Servis One, Inc. Mortgage Complaint

Servis One, Inc. Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Texas

Filed a complaint to BSI dated -, but the main issue was totally left unaddressed. Upon reviewing BSI 's response, the main issue to my complaint was left unaddressed. BSI primarily focused their response on the things that they tried to do, rather than address the problems that have occurred. I feel that BSI is trying to remove them from all liability by brushing aside the root of the problem. I am fully aware of the deferment agreement dated - -, 2015. However, my complaint refers to my diligent effort to try to work with - - - to resolve my mortgage troubles, in - 2015, which BSI made no mention of in their response. Your records should and will show that I have and am still communicating with - regarding my mortgage. In the CFPB response letter, BSI claimed to have made


- - - since - 2015. BSI claimed that no further workout was explored, when in fact a viable option was not only explored but was also offered by - -. In - 2015, - - offered a plan to allow me to pay around $7000.00, due by -, to reinstate my mortgage and get my loan back on track again. - - was very considerate to give us until - - to reinstate the mortgage and to hold off the foreclosure proceedings. However, when I spoke to her on the last week of - so that I can schedule the reinstatement, she advised me to set the funds aside so that she could request figures from my district tax to determine the full reinstatement amount. I had waited for the reinstatement figures for over a month. Your call records should clearly show that I called - - every Monday -/-/- to follow up on status. I spoke to - - on - - and was advised that the figures have not come in yet and she was going to put in another request. - - called me the very next day, - -, and gave me very disheartening news. She told me no further options would be considered because I already had a previous modification -/-/- and a deferment -/-/-. She claimed to have no idea about this at all. She asked why I did n't tell her. I do not know anything about BSI 's modification or workout policies. How am I supposed to know what type of information to disclose to her unless I am being asked? I 'm not the underwriter and also, she has my account information in from of her. Why did n't she look up that information prior to offering me the option to reinstate, months before? Nearly 2 months have passed since I was ready to make my reinstatement payment, - - was now requesting that I make at least 5 months of payment, rather than the - that we had previously agreed to. I requested a lower amount as I was only prepared to make the - payments as she had originally offered. She outright refused any other term to help me save my home. I either pay this amount or surrender my home. That was my only - options. At the end of -, - - advised me that my account had not been referred to foreclosure yet. I continued corresponding with - - via email throughout the month of -. On - -, she stated that my account was moved into foreclosure status in - when I was unable to reinstate my mortgage. This all seemed very confusing as - - 's email appear to contradict itself. I feel BSI lied, mislead and coerced me into giving up my home. My complaint was centered on the issue that came after the agreement - - and I made in - 2015. Because of this proposed agreement by - -, I did exactly wh