Mortgage -- Struggling to pay mortgage -- Complaint #17897583
Complaint Overview
Complaint ID: 17897583
Company: Servicemac, LLC
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Foreclosure
State: Minnesota
ZIP Code: 55303
Date Received: 2025-11-29T12:00:00-05:00
Date Sent to Company: 2025-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Request for Mortgage Assistance and Review of Submitted Documentation Dear Loss Mitigation Department, I am writing to formally express my concern and request your assistance regarding my mortgage account. My financial hardship began during the XXXX pandemic, when I became ill and unfortunately lost my job. This period caused a major financial setback, and despite my best efforts, I fell behind on my mortgage payments. After regaining employment, I immediately began working to catch up on my payments. However, the accumulated balance became overwhelming, and it has been extremely difficult to become current despite my consistent income. Over the past months, I have been in communication with the Loss Mitigation team to explore available options to resolve my delinquency. Unfortunately, there was some confusion on my part regarding the documentation requirements during the process. Due to that misunderstanding, some of my required documents were either delayed or incomplete. I sincerely apologize for that oversight. However, I have recently gathered, completed, and submitted all necessary documentation as requested. Despite my submission, I was informed that my mortgage account is still being processed for foreclosure. I am writing to respectfully request that you review all the documents I have submitted and reconsider this action. It is my sincere intention to retain my home and maintain good standing with your company. Specifically, I am asking that you reinstate my mortgage, defer or move the delinquent amount to the back of my loan, and allow me to resume paying the regular monthly amount I was paying prior to my hardship. Doing so would enable me to remain current and continue making timely payments going forward. I appreciate your understanding and consideration of my circumstances. Please acknowledge receipt of this letter and confirm that my loss mitigation documentation has been received and is under review. I am fully committed to working with you to bring my mortgage account back to good standing. Thank you for your time, patience, and assistance during this challenging period. I look forward to your prompt response.
Frequently Asked Questions
What is Complaint #17897583 about?
Complaint #17897583 was filed against Servicemac, LLC regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2025-11-29T12:00:00-05:00.
How did Servicemac, LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Servicemac, LLC?
Yes, visit the Servicemac, LLC company profile at readthecomplaint.com/company/servicemac-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.