ComplaintsforSN Servicing Corporation

• Initial Complaint

  07/22/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  This complaint is against SN Serving and manager Brandon C******* who is threatening foreclosure on my wife Stephanie E******** *********, a terminally ill and disabled woman. We have the means to make payments and are only trying to modify the mortgage to start making payments once the mortgage is put into the proper name, but the servicer is refusing to work with us. It must be known and emphasized how twisted and greedy this company and its employees are. They are notorious for refusing to communicate, misappropriating payments, and pressing for expedient foreclosures. Thousands of people have been rushed out of their homes by this company, even those who were making payments! It cannot be allowed that a disabled person, whose conditions are heavily affected by stress, is told that she is unworthy and undeserving of the home she has spent her life in by an unknowing and unhelpful person working at a company 3,000 miles away, especially when we have the means to pay. He disregarded that my wife suffered from a stroke and that any bit of stress could put her at risk for another. He made it clear that he couldn’t care less about her condition or the fact that she is disabled. He refused to give us the proper options to retain our home and told us that if we can’t afford the payments we don’t deserve the house. How unconscionable does one have to be to tell someone they don’t deserve to live in their home? Everyone is one month away from losing their cars, phones, and houses since everything is bought on credit. No one really affords anything, so how do we not deserve to have a roof over our heads and to live out our lives with what little time we have left before Stephanie’s diseases overtake her? How does she not deserve to keep the only remaining vestiges of her family and the home she was born in and lived in since 1965? This house should have never gone into foreclosure and it was SN’s refusal to speak to us that put us in this situation.

  Business response

  08/02/2024

  we have tried to work with this individual - unfortunately this individual is not authorized on this account - - the original borrowers I assume are the parents - we are limited without any type of proper authorization - we tried to explain in several ways

  Customer response

  08/04/2024

  
  Complaint: ********
  
  I am rejecting this response because all of the available documentation to prove the ownership of the property has been submitted but rejected by the company. There were NO efforts on their part to remedy the situation or prevent the house from going into foreclosure: no communication from the company, no letters, no calls, no emails, no callbacks, nothing. They simply would not work with us and told us that if we could not make the payments (which were incorrect) that we did not deserve the house. 
  
  Eliza H***

• Initial Complaint

  07/08/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  SN Servicing received an insurance check from a claim for damage to my property, made out to me and them. They said they would disburse the funds once paperwork was submitted showing the work was completed. I submitted the required paperwork on June 20, 2024 for 3 different vendors. They disbursed one insurance payment but not the other two. I have asked every single business day since then for a status and to disburse the payments but the company has not responded at all.I am requesting two disbursements: a payment to me for $7,006 for flooring work completed that I have already paid for. The other to me or Whites Heating for $1,641.85 as this invoice has not been yet.The attached itemized payout from the insurance company lists the damages from the claim and their payments for the insurance check they sent to me and SN Servicing.SN is withholding the disbursements for no apparent reason and has ceased communication on this issue. The heating company is threatening a lawsuit as they have not been paid. Thank you.

  Business response

  07/10/2024

  A check was disbursed to the borrower and vendor on 6/20/24 and 7/3/24 $6747.55 and $7010.60 respectively - neither have been cashed to date but both delivered by **** tracking - again rec'd on the 22nd and on the 8th 

  Customer response

  07/16/2024

   
  Complaint: 21960084
  
  I am rejecting this response because:

  I appreciate the check for $7010 that was sent, however, an additional invoice of $1,641.85 that was not paid and no explanation was given for 20 days.

  I resubmitted that invoice and the other misc final invoices on 7/11/24, for a total of $2,691.23 that left from the insurance check, so hopefully there will be a quicker response this time. 
  

  
  
  Sincerely,
  
  *****************************

  Business response

  07/16/2024

  I see you have received all but the last disbursement and have been in continual contact with your rep as of 7/10/24 - I will ck to see if we have in fact received the receipts for the final disbursement and if so we will disburse the remainder

• Initial Complaint

  05/29/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ****** and a nother ****** they would not cash the check they just sent it back to me had a payment aragement that they didn't houer

  Business response

  05/30/2024

  We are and have been in communication with the borrower - he is aware of the status of the account and why we are not accepting this one check - he needs to reach out to the **** and make arrangements

  Customer response

  05/31/2024

  Hi they they have not been in contact with me but I have called 4 times they say that I have to contact a manager I leave messages but she never calls back 

  Business response

  06/02/2024

  Your assigned asset manager reached out to you again on 5/31/24 at 9:47 am pst - there was no answer and no voicemail came on - I will have her reach out to you again on Monday 6/3 - 

  Customer response

  06/13/2024

  I spoke to the asset manager and I was told that the payment arrangement was made. However as of 06/13/2024 I have not heard from her. Update please.

  Taken in dictation by SL

  Business response

  06/14/2024

  this is the same complaint he keeps sending in - the assigned person to his account has called him and he spoke to another individual here - we call the number on file but it just rings and we are unable to leave a voice mail

  Customer response

  06/20/2024

  end me a email saying that I need to call, I called and left a message didn't call me back 

   

• Initial Complaint

  04/29/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  named not removed on title !

  Business response

  04/29/2024

  we are not reporting to the credit agencies due to the delinquency

• Initial Complaint

  04/24/2024

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  This complaint is in regards SN Servicing (an investor of my mortgage). They seem to think that everyone is made of money, they gave me a modfication that was twice the amount of my mortgage. Locked me out of the system so I could not send it in electronically, so when I mailed the two trial payments in to their office they stated that I defaulted and now they want to do a Note and deed of trust.This needs to be looked into with this company. thank you for your assistance.

  Business response

  04/24/2024

  ******** was in continual contact with her assigned agent - there continual back and forth and no information received - due to the delinquency a mod was offered with a TP offered - documents have not been received back

  Customer response

  04/25/2024

   
  Complaint: 21618591
  
  I am rejecting this response because:

  Off emergency  also the documents  were  STOLEN.   All I ask  is for an appeal this one time!!@!

  
  Sincerely,
  
  L Price

• Initial Complaint

  03/25/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  On or about February 13, 2008, my late mother, ******************* *****, secure a loan with CitiFinancial, ************************************************************ in the amount of *********, using her home located at ************************************************************* as collateral. My now deceased stepfather was listed as a co-borrower but never had ownership of the home.The initial loan was predatory in nature and suggested a payoff of $164,368.80 to an elderly woman of 72 years of age and her elderly spouse based on $********* in principle extended to them. I have estimated, from 2008 to her death in June of 2018, she had paid well over the principal amount borrowed. Since CitiFinancial of ****** sold this loan, this loan has been sold to various collection agencies all demanding payment, initially from our now deceased stepfather and now from me as primary heir. This account is now with ******************** that is threating to take the heirs property located at ************************************************************* based on the initial predatory loan made by CitiFinancial. The current loan is less than 20 days past due. SN Servicing Corporation is asserting a current balance of $31, ****** at an interest rate of *****% which makes it significantly difficult to reduce the principal.The collection techniques are harassing, hostile, evasive and threatening. The constant selling of the loan as soon as one company has earned money and the ongoing harassment for us to take ownership of the loan in our names as heirs of interest is relentless.Both my mother and stepfather are deceased, I have been paying the loan out of fear of losing the home and land. However, I am seeking assistance with resolving this issue once and for all. I can not continue to pay approximately $358 per month indefinitely. I believe this predatory lending has extended well beyond my deceased parents and is now crippling heirs financially.

  Business response

  03/26/2024

  There are many incorrect statements made in this complaint but given it is not a secure site I do not want to divulge the privacy of this account/consumer - this has also been discussed to with this person regarding the history of the account -- if he would like to file a RESPA complaint or the representative of the estate we will provide all disputed information for their review - we are not a collection agency rather a servicer for the investor that owns his loan - 

  Customer response

  04/09/2024

   
  Complaint: 21485877
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************************

  Customer response

  04/11/2024

  The reply from SN Servicing Corporation appears to be a form type reply and is completely unsatisfactory. I ask SN Servicing Corporation to please advise what portion of my BBB complaint is incorrect.  I have significant documentation to support the concerns I submitted.  I ask that SN Servicing Corporation provide information on this account to the ******************** as the person initially securing the loan and the co-signer are both deceased (approximately six years ago for primary signer).  I ask that SN Servicing Corporation please take reasonable steps to protect the sensitive information, but I otherwise authorize and support release of the history of the loan to the BBB.  Lastly, I am asking SN Servicing Corporation to disclose who is the investor they are representing.  All communication from SN Servicing Corporation leads me to conclude that they are a collection agency.  
  
  If you need additional information or documentation, please feel free to reach out to me at **************.

  Business response

  04/11/2024

  As stated previously I disagree with your dispute - I do not know where you are getting the $162,000+ in amount owed but that is incorrect - when loans are originated the interest rates is based on the industry and the credit score of the borrower's - due to the delinquency over the years a modification was given to the borrower which included waiving a sizeable amount - again if you are requesting documentation please due so by filing a RESPA complaint and our atty can assist you with all of the additional answers and supply you with all documentation requested - also as stated we are not a collection agency rather a servicing company much like the company that gave the modification in 2019 - The owner of your loan is "Igloo Series IV Trust"

• Initial Complaint

  02/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I was transferred from ************************* to SN Servicing in the middle of an Mortgage Modification in the summer of 2023. In June the process was complete and I received a modification offer from SN servicing. In the paperwork SN wanted two good faith payments in June and July by the 30 and the 31st and wanted a modification payment by August 1st. What confused me was payments due within a day of each other. This seemed like SN servicing was purposely trying to make my modification fail. I was able to complete the modification in January and called SN to inquire about the permanent mod paperwork. I was told that it will come in 2 or 3 months. On my monthly statements I show a payment due March 1st. When I called the customer service representative stated that since your modification started August 1st the statements date is wrong and you owe on february 1st. If that is the case I am already behind after completing a successful modification payment plan. I am asking for SN to make my payment due date match my statement due date so I dont already fall behind when I receive my permanent mod.

  Business response

  02/25/2024

  The trial payments have been completed - this is pending an assumption that is being drawn up by the attorney - I see you are in contact with your assigned contact - he will continue to update you with the process -

  Customer response

  02/26/2024

   
  Complaint: 21318242
  
  I am rejecting this response because: I have asked that my current payments match the statements I receive. When I started with SN I paid by the 30th or 31st of the month. So my statement reads due March 1st. When I called inquiring about the final modification paperwork I was told my payments are almost one month behind so when I pay on the last day of the month I am close to 30 days late after I completed a successful 6 month modification trial payment plan. 
  
  Sincerely,
  
  *************************

  Business response

  03/04/2024

  would recommend reaching out to their contact again so they can get the latest status of their documents

  Customer response

  03/06/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  I was advised by a customer service representative that once the paperwork is completed I will be current and not 28 plus days behind when making payments.
  Sincerely,
  
  *************************

• Initial Complaint

  12/31/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am in bankruptcy protection and my attorney contacted me saying s,n servicing has not been crediting my monthly payments. S,n servicing is claiming I owe approximately $6 in back payments. Only problem, all payments are accounted for and bank statements have been forwarded to attorney. Also s,n servicing is holding money back from insurance payout that needs to be paid to repair company. This company is either corrupt, incompetent, inept or all the above.

  Business response

  01/01/2024

  We received the email you sent on December 28th - your contact is addressing your concerns I have also copied her supervisor

• Initial Complaint

  12/21/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I received a class action settlement check from SN Servicing Corp in April 2023. I noticed the check only had my first name on it. I went inside bank and they would not accept it. I called and emailed the information on their website. They said they would look into this in May. I heard nothing. I then tried to deposit it at ATM. It went thru, but 3 days later, I received a letter that money was taken back out of my account because of stale date. I had 6 months from April check date to cash it. This was in July, which was within the 6 months. It was not stale date. I went inside my bank and banker called their bank. They were supposed to look into it. Nothing was done. I have numerous emails saved and phone calls made and no one has done anything. I then contacted the class action attorneys and was told Check would be reissued. I then got email saying it would NOT be reissued because cutoff was October. I contacted them in May, June July, September November and December and nothing. I feel they do this so they can keep the settlement funds for the business and attorneys. I have all emails and responses. This was from ******* vs SN Servicing Corp settlement. They have blatantly ignored me after they said they would look into this and reissue check. There appears to be a lot of non workers or potential fraud

  Business response

  12/26/2023

  I have passed this on the management and to advise me on how to handle this complaint

  Customer response

  12/27/2023

   
  Complaint: 21040179
  
  I am rejecting this response because:     All your response says is I have passed this on the management and to advise me on how to handle this complaint.    I want to know what is going to be done about this matter.   It has been passed on several times, and nothing was ever done.   I have emailed copies to several people, and again today I received an email from *********************** requesting copies again.    I emailed copies again to him.
  
  Sincerely,
  
  *****************************

  Business response

  01/05/2024

  I apologize for your frustration and saw an email from **** addressing this again - i will let them know that there is yet another BB complaint

  Customer response

  01/05/2024

   
  Complaint: 21040179
  
  I am rejecting this response because:

  
  Once I receive replacement check, I will be satisfied.  I have been told many times it would be replaced and nothing was ever done or received. They completely ignored me. 

  
  Sincerely,
  
  *****************************

• Initial Complaint

  11/09/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My mother ******************************* had an account with this company because it was sold to servicing Corporation. My mom passed away June of 2019. My daughter lived with her and started making payments at that time. She has made payments through money gram for this whole time of 7 years which was 1st ************ servicing then went to Community loan servicing, then went to the company it is now servicing corporation. The payments made through 2019- 2022 all say they are in transit through money gram which means is not mistaken is payments were accepted just never applied to account. But community loan serving did receive them according to money gram. They have now started a foreclosure process due to them saying no payments have been made. But they have $16000 worth. We have till January 24th to pay it off or the foreclosure will stand and we will have to move off a property we have live at for 30+ years. How can they do this

  Business response

  11/20/2023

  I see we are and have been in contact with Daughter - we suggested they file a RESPA - also the company they state they are utilizing we do not have a contract with which we have also explained to them

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩