Mortgage -- Trouble during payment process -- Complaint #5145173
Complaint Overview
Complaint ID: 5145173
Company: Sn Servicing Corporation
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
State: Washington
ZIP Code: 98290
Date Received: 2022-01-24T12:00:00-05:00
Date Sent to Company: 2022-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Ever since SN Servicing took over my mortgage XXXX, I have received multiple letters asking for proof of homeowner 's insurance. As soon as I received the first letter, I reached out to my insurance agent to make the necessary change to the lien holder and send the updated documentation. Multiple times it was emailed, faxed and mailed by both myself and my insurance agent. This month ( XX/XX/XXXX ) there was an additional $ XXXX required on my XXXX escrow payment, which, according to my phone call with XXXX XXXXr on XXXX was for force placed insurance. This was a mistake. They are allegedly correcting this, so that my normal mortgage payment I already made can be applied. It is currently sitting in unapplied funds. I have dealt with this insurance issue for months now. I have email chains from XXXX XXXX ( SN Servicing account representative ) with all of this documented. The first emails start on XXXX. Per my insurance agent, " XXXX '' had already received the policy and resolved it. On XXXX, I received yet another letter threatening force place insurance if I did not send proof. I once again emailed and attached the insurance binder showing I had insurance. On XXXX I followed up asking if it had been resolved. Finally, he replied on XXXX. He stated that " XXXXN Servicing has receive your HOI policy. '' On XXXX I emailed again stating " When will the force placed insurance amount be refunded to my escrow account? I see my latest statement something like {$800.00} was deducted. Please advise ASAP. '' The same day, he replied with " The force place insurance charge was refunded to your escrow account on XX/XX/XXXX. '' I replied back with " Ok, so that will reflect on the XX/XX/XXXX statement? ". He then replied with " Yes ''. If possible, I can attach all the email chains, and I ask that SN Servicing review the recorded phone calls with XXXX. XXXX is one of the most argumentative, and rude people in customer service I have ever dealt with. He seriously lacks professionalism. Each time I have spoken to him, he argues, interrupts and offers unsolicited insights and analogies that I have no interest in hearing. He interrupts me multiple times while I am trying to speak. This is especially frustrating since I am only calling to try to resolve yet administrative mistake. I also think it is misleading to send mortgage statements that do not detail what the increase in escrow cost. In this case, it is force placed insurance. The statement does not state that at all.
Frequently Asked Questions
What is Complaint #5145173 about?
Complaint #5145173 was filed against Sn Servicing Corporation regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-01-24T12:00:00-05:00.
How did Sn Servicing Corporation 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 Sn Servicing Corporation?
Yes, visit the Sn Servicing Corporation company profile at readthecomplaint.com/company/sn-servicing-corporation 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.