Servicemac, LLC

The company returned my XXXX payment XXXX XXXX on XXXX and again on XX/XX/XXXX for which I filed a complaint on XX/XX/XXXX. Today XX/XX/XXXX I received a statement letting me know that my payment is late.

I contacted the mortgage servicer ( at the time XXXX, but as of XX/XX/year> XXXX XXXX ) and discussed recast of my mortgage. I verified with them exactly the documentation necessary to complete the application which was XXXX ) a completed recast application, XXXX ) a lump sum payment over {$10000.00}, and XXXX ) a {$500.00} processing fee. The XXXX mailed the recast application to me which I completed and mailed back with XXXX ( XXXX ) checks ( the lump sum payment for {$60000.00} and the {$500.00} processing fee ) on XX/XX/year>. It is noted that, due to unclear instruction in the paperwork, I called the XXXX to confirm the process prior to sending in the checks. I followed the XXXX 's instructions exactly. The documentation indicated that, if received after the XXXX of the month, the revised monthly payment would be effective not the next month, but the following month.…

I am seeking a deed-in-lieu of foreclosure through ServiceMac 's loss mitigation process. My application has repeatedly been denied or closed because ServiceMac states that I failed to provide documentation showing that my property was listed for short sale and that offers were received. This is incorrect. After speaking with a ServiceMac manager, I was specifically instructed to submit my listing agreement, short sale documents, and purchase offers because the liquidation team could no longer access them. I promptly submitted all of the requested documentation. Despite this, ServiceMac continues to state that the documentation was not received or is not reflected in my file, and my application is again being closed without a proper review for deed-in-lieu. I have made numerous calls attempting to resolve this issue, but I continue to receive the same response despite complying with every request.…

I am submitting this complaint regarding ServiceMac 's handling of my FHA-insured mortgage following a disaster-related forbearance, its apparent application of an FHA eligibility requirement that XXXX does not apply to XXXX home-retention reviews, conflicting representations regarding foreclosure, and irregularities in the handling and closure of my loss mitigation review. My household experienced a temporary financial hardship related to a severe Tennessee winter storm and declared disaster. My XXXX mortgage was placed into a disaster-related forbearance. As the forbearance approached its end, I remained in frequent contact with ServiceMac and sought an extension because the financial effects of the disaster had not fully resolved. On XX/XX/year>, I called ServiceMac and spoke with a representative for approximately XXXX minutes. During that call, I was specifically advised not to make a mortgage payment until a decision was made on my pending appeal/review.…

I am requesting assistance from the Consumer Financial Protection Bureau regarding my mortgage loan modification and my lenders decision not to reinstate my previous modification approval. Earlier this year, I was approved for a loan modification. Unfortunately, in XXXX, I experienced an unexpected hardship when I was involved in an XXXX XXXX XXXX XXXX Due to my medical condition and recovery, I was unable to work for approximately one month, which caused a temporary loss of income and prevented me from making my mortgage payments as scheduled. My financial hardship was temporary, and I have taken steps to recover and continue meeting my mortgage obligations. I believe my circumstances were beyond my control, and I respectfully request that the lender reconsider my situation and allow me to reinstate the loan modification that was previously approved. I am requesting the CFPBs assistance in communicating with my lender and helping facilitate a fair review of my case.…

My servicing company, Service Mac, first inaccurately estimated taxes and escrow. This resulted in my mortgage jumping from {$2600.00} a month to {$5200.00} a month. Ive been paying {$2600.00} for almost 2 years. There was no notice or contact with me. I never spoke to anyone. They said there was nothing I could do except pay off the escrow. On XX/XX/2026 I applied {$15000.00} to my escrow account. To lower my payment. After XXXX weeks of it still showing my XXXX payment at {$5200.00}, I called again and they said it wasnt applied to escrow and they would do it and to check back with them. After another XXXX weeks it was still showing {$5200.00} so I called again on XX/XX/XXXX, they said it in fact was still not applied and they would do it now. Now theyre saying it will be updated with my new monthly payment by XX/XX/XXXX. I have an auto draft on my account for XX/XX/XXXX, so I called to ask them to change it to the XXXX after my monthly payment is updated.…

I am filing this complaint against my mortgage servicer, Service Mac, for a severe violation of servicing duties regarding the managment of my homeowner 's insurance notifications and escrow processing. On XX/XX/XXXX, a fire took place on my property destroying our detached garage, shed, and everything inside of it. When we called XXXX to file a claim, they notified us that our homeowners policy was no longer valid and had been cancelled. We called our mortgage company, XXXX XXXX to see if any force placed coverage was in place. They were surprised to hear this as we were still showing as insured with XXXX and didn't have anything in place because of that. I called XXXX once more and demanded to see all correspondence with the mortageg company as they were claiming that they had been properly notified. Upon doing this, I had found out they had notified Service Mac and not our lender directly.…

Servicemac acquired my mortgage in XXXX On XX/XX/XXXX I realized they added an escrow payment for my property taxes to my mortgage. I pay my property tax outside of escrow. I called on XX/XX/XXXX and they said I did not pay my property tax and that there was a balance of {$120.00} on the account so I am being put into escrow. This was a clerical error with XXXX XXXX XXXX. They asked me to send proof that it was an error to which I did and uploaded to their system using the site uploadmytaxdocs.com password was XXXX. I called XXXX days later asking whether these were received which I was informed they were. I spoke with a XXXX who informed me and I also have an email there would be no late fees while this all gets resolved. However I have been hit with XXXX late fees over {$100.00} so far.…

Since XX/XX/XXXX, my mortgage servicer has engaged in deceptive and obstructive loss mitigation practices. I am seeking a Deed in Lieu ( DIL ), but the servicer repeatedly forces me into a 'Short Sale ' process I never authorized, requiring inapplicable documentation ( e.g., Closing Disclosure ) and closing my application as 'incomplete ' when I can not provide these. During a previous DIL attempt, the servicer failed to disclose a vacancy requirement, causing the application to fail ; they now use this failure to justify denying my current DIL request. My account balance has improperly ballooned making it harder to sell my house and walk away with any anything, due to fee pyramiding ( including questionable inspection fees on an occupied home ) while I have been in good-faith loss mitigation. I have requested an itemized audit of these fees and documentation of the policy requiring a 'failed short sale ' for a DIL, but the servicer refuses to provide this or correct the file coding.…

I am filing a formal complaint against ServiceMac , LLC regarding inaccurate negative credit reporting following a company-initiated website migration. I attempted to make my monthly mortgage payment on time for the month of XX/XX/XXXX through the new interface. However, due to navigating the updated portal layout, an accidental data entry typo was made on the bank account number I put in the mortgage account number instead of my bank account number. As a result, the payment was returned by my financial institution. Upon realizing the error and contacting customer service on XX/XX/XXXX when i realized they had an emergency issue and no reps where available. I called back on XX/XX/XXXX made payment over the phone, representatives refused to offer assistance or apply consumer protection measures, simply stating " nothing can be done.…

I received an escrow analysis statement from XXXX ServiceMac mortgage company dated XX/XX/year>, and noticed that my new monthly mortgage payment is scheduled to increase to {$5900.00} from {$4100.00}, effective XX/XX/year>. Upon review, this escrow analysis contains a gross calculation error, assessing a {$10000.00} charge for Private Mortgage Insurance ( PMI ). At the time of closing three years ago, no monthly PMI premium was established on the closing disclosures, nor was it ever billed by the originating lender, despite the down payment being less than 20 %. No active PMI policy was bound. A mortgage servicer can not retroactively bill a consumer for a prior administrative omission by the originating lender. Furthermore, because the property principal has been paid down consistently for 36 months, current home equity limits the legal application of future PMI under the Homeowners Protection Act.…

The loan assumption process for my home purchase began in XX/XX/XXXX. A buyer put an offer in on XX/XX/XXXX with the condition for a loan assumption of the current FHA loan. Currently the loan is through XXXX XXXX XXXX and serviced by Service Mac. The loan assumption is processed by Service Mac. The requisite files were submitted for initial review to Service Mac by buyer and seller in XXXX. The file did not make it to Underwriting review until XXXX of XXXX. The file further did not make it through initial underwriting review until XXXX of XXXX. Many complaints have been made to Service Mac regarding the process and I have had to make two mortgage payments while waiting for this process to end and close. Service Mac has been very delayed in any updates and keeping me informed in the process. We are now 6 months into a process that usually only takes 120 days max and we are still waiting underwriting to finish.…

We closed on the sale of our property located at XXXX, XXXX, TX XXXX on XX/XX/year>. At closing, the title company obtained a payoff statement from ServiceMac, and we remitted payment in full based on the amount provided. Today, I received a concerning call from the title company advising that ServiceMac returned the payoff funds, claiming the amount was insufficient. We paid exactly what was quoted as the payoff amount, and this situation is unacceptable. Your representative indicated that the discrepancy is due to ServiceMac paying our homeowners insurance. However, we have never escrowed our insurance or taxes, and ServiceMac had no authorization or basis to pay our homeowners insurance on our behalf. The title company has already confirmed with our insurance provider that we paid our insurance directly and that it was current at the time of closing.…

My mortgage lender is XXXX XXXX XXXX, and my loan is subserviced by ServiceMac , LLC. On XX/XX/year>, I successfully made a mortgage payment. Immediately afterward, I attempted to make an additional payment to cover my upcoming XXXX mortgage payment.The online payment portal blocked the transaction and displayed the following error message : " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. " The error message remained on XX/XX/year>, and the system has completely locked my online payment portal access ever since.Because the computer system locked me out while my account was fully current, I was forced to call customer service. Over the last 90 days, ServiceMac has completely refused to fix this technical portal error.…

CRITICAL COMPLIANCE INFRACTIONS LOGGED : 1. Federal Violation : Real Estate Settlement Procedures Act ( RESPA ) Regulation X, 12 C.F.R. 1024.35 ( Failure to Acknowledge a Notice of Error within 5 Business Days ). 2.State Violation : California Civil Code 2923.6 ( Unlawful Dual-Tracking Recording an NOD while a complete modification application is actively pending review ). 3.Civil Tort : Financial Elder Abuse under California Welfare & Institutions Code 15610.30 ( Exploitation of a disabled senior homeowner via timeline manipulation ). I am a XXXX XXXX senior citizen and fighting to keep my lifelong home. I have been attempting a good-faith XXXX XXXX XXXX modification with my mortgage company, ServiceMac. In return, ServiceMac has behaved in bad faith and broken at least 3 laws referenced above and is attempting to illegally foreclose on my home.…

I am a mortgage holder with ServiceMac. I am filing this complaint due to ServiceMaxs failure to maintain industry-standard security protocols for Personally Identifiable Information ( PII ) and their refusal to provide me with access to my monthly billing statements. ServiceMac has recently implemented a new web portal that requires users to enter their full, unencrypted Social Security Number and loan number. This data is transmitted without any evident hashing or encryption, creating a massive vulnerability for identity theft. Despite my repeated warnings to the company over the past month, no remediation has occurred. Furthermore, the company has refused to provide their XXXX XXXX or XXXX XXXX audit reports, which are necessary to verify their claims of a " secure '' environment. Because I can not safely use the portal, I am unable to view my monthly statements.…

Back in XXXX, I purchased my home and had XXXX XXXX as my lender / loan servicer. All my payments to them were made as they were automatically drafting money from my bank for years to pay for my mortgage loan. Unbeknown to me, in XXXX of XXXX, the loan to my house was sold to Servicemac / XXXX. I understand that sales of loans are normal in the mortgage industry, but this was not a normal sale. I say it was not a normal sale because I was never notified of it. Not by XXXX, and not by Servicemac / XXXX. One day I just received a call from Servicemac / XXXX saying I was late on my payment, and I had no clue who they were. After they informed me of who they were, I paid them whatever they claim was owed, but the damage was done. My credit report had been damaged due to no fault of my own. It is my understanding that if a mortgage lender sells a loan to a different lender, I am supposed to be notified about the sale or transfer weeks in advance.…

I closed on a new refinance loan with XXXX Mortgage as the service provider in late XX/XX/year>. I set up automatic payments to pay my monthly amount due on the last day of each month. The payments were sent to XXXX Mortgage on XX/XX/year>, and XX/XX/year>, and deducted from my bank account on the same dates. XXXX Mortgage shows the payments were completed and applied to my XX/XX/year> and XX/XX/year> balances owed. I received a letter in the mail from XXXX Mortgage in XXXX that my loan will be " transferred from XXXX Mortgage to ServiceMac LLC, on behalf of XXXX XXXX XXXX XXXX XXXX, on XX/XX/year> ''. On XX/XX/XXXX, I received an email from ServiceMac stating that their records indicate I had not yet paid the amount owed that was due on XX/XX/year>. I called ServiceMac the next day and talked to a CSR who informed me that I needed to send an email to two different email accounts showing the payment made to XXXX that was applied for the month of XXXX.…

We are trying to close the sale of our home, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. The title company is ready to close, but ServiceMac claims a payoff statement was sent on XX/XX/year>, but the attorney 's office ( XXXX, XXXX XXXX XXXX XXXX ) claims it was never received. Because of this deadlock, the transaction is stalling. ServiceMac verbally told us that they provided a payoff statement on XX/XX/year>, but would not provide evidence when requested. The title company ( XXXX XXXX XXXX XXXX ) has attempted to assist with no success. The buyer is an active-duty military service member who is scheduled for imminent XXXX. If we do not receive the payoff numbers by XX/XX/year>, the buyer will back out, leaving a deploying service member and his family unhoused and forcing a preventable foreclosure. We want to successfully close this transaction and pay off the debt. We need your help because ServiceMac refuses to talk with us, and the attorney 's office is not doing anything.…

I have been attempting to resolve issues with my mortgage servicer, ServiceMac, since XX/XX/XXXX, when my monthly mortgage payment unexpectedly increased by more than {$2000.00} without prior notice or adequate explanation. After spending hours speaking with customer service representatives, I was informed that ServiceMac had paid property taxes to XXXX XXXX XXXX through my escrow account, despite the fact that we were not delinquent on our taxes and intended to pay them directly ourselves. In addition, ServiceMac appears to have paid not only our XXXX property taxes, but also property taxes for periods before we even owned the property. These actions significantly increased our escrow balance and monthly mortgage payment. Separately, I was advised by a ServiceMac customer advocate that I could reduce my monthly mortgage payment by obtaining my own homeowners insurance policy. Based on that guidance, I purchased a homeowners insurance policy through XXXX XXXX in XX/XX/XXXX.…

We requested to have our escrow account removed from our mortgage. It went up XXXX a month after a tax evulation for XXXX. We are fighting our taxes with our county and do not believe our taxes will be that much more this year. We wanted to handle taxes and insurance on our own moving forward. Our only stipulation to remove our escrow was to have a XXXX or positive balance. As of XX/XX/XXXX we had a postive {$100.00} balance to which we asked escrow to be removed. We recieved a letter dated XX/XX/XXXX from ServiceMac that our escrow was approved to be removed and would offically be off of our account on XX/XX/XXXX. On XX/XX/XXXX ServiceMac paid our insurance company XXXX putting us back in negative balance and claiming we could no longer remove our escrow until this was paid. Our insurance payment wasnt due until XX/XX/XXXX. After numerous phone calls and emails they refuse to stop payment on their check offering no solutions for their internal mistake.…

I am a senior citizen with a serious XXXX XXXX, a recent XXXX XXXX XXXX, and my doctors have strictly advised me to avoid high-stress situations as it puts me at an immediate high risk for XXXX XXXX XXXX. I hold legal XXXX license plates. I am actively working with my mortgage company, ServiceMac , LLC, on a payment deferral to put my missed payments on the back of the loan. I am not in foreclosure. I formally contacted ServiceMac weeks prior to XX/XX/XXXX to report that their property preservation vendor, XXXX XXXX, was harassing me and trespassing. ServiceMac failed to act. On XX/XX/XXXX at XXXX XXXX, I contacted ServiceMac again regarding this issue. Later that exact same evening, XXXX XXXX retaliated by breaking into my home. They completely destroyed my back door, destroyed my screen door, illegally changed the locks to lock me out, and entered the interior of my home where they unattached my island off my kitchen floor.…

I am an FHA borrower roughly XXXX months behind on my mortgage due to a job loss in XX/XX/XXXX. My loan is serviced by ServiceMac , LLC ( subservicer for XXXX XXXX XXXX ). I submitted a loss mitigation application on XX/XX/XXXX, which the servicer marked " XXXX. '' In early XX/XX/XXXX I called and requested a forbearance, which was placed on my loan effective XX/XX/XXXX. As the forbearance ended, I called again in XX/XX/XXXX to discuss next steps and expected to receive trial plan terms in writing, per standard FHA procedure. On XX/XX/XXXX, the servicer denied my loss mitigation application, citing that my loan " has exceeded the limit for defaulted trial plans. '' I appealed. On appeal, the servicer stated that a trial plan was issued in XX/XX/XXXX and that I failed to make the trial payment. This is the core problem : no trial plan was ever delivered to me through any channel. I was never given a trial payment amount or due date.…

My mortgage servicer failed to make scheduled property tax disbursements from my escrow account in XX/XX/XXXX and XX/XX/XXXX, causing my XXXX XXXX property taxes to fall delinquent. In XX/XX/XXXX, the servicer performed an escrow analysis and calculated a surplus of {$10000.00} a figure that was inflated solely because the unpaid taxes had not yet left the account and refunded that amount to me. In XX/XX/XXXX, the servicer made a lump-sum payment of {$15000.00} to cover the delinquent taxes. The servicer acknowledged the error in writing on XX/XX/XXXX, stating : " The tax team failed to add the correct tax information causing the taxes to not be reported and to fall delinquent. '' Following the lump-sum disbursement, the servicer issued an escrow shortage notice of {$9500.00} and increased my monthly mortgage payment by {$790.00} beginning XX/XX/XXXX to recover that shortage despite the shortage being a direct result of their own mismanagement.…

I purchased my home in XXXX from XXXX XXXX XXXX, and I am a first-time homeowner. Recently, I received a letter from the XXXX XXXX XXXX XXXX advising that I am behind approximately {$10000.00} in escrow payments. After looking into the matter, I was informed that my property taxes were not properly assessed on the improved property value of the home, but instead were only assessed based on the lot itself. As a first-time homeowner, I relied on my mortgage company and escrow process to properly calculate and collect the correct amount for property taxes. I was never made aware that the escrow amount being collected was insufficient due to the property not being fully assessed. This situation has now created a significant and unexpected financial burden on my family. I am requesting that this matter be reviewed to determine whether there was any oversight, negligence, or failure to properly disclose or calculate the escrow obligations associated with my property taxes.…

I went under contract on a property with an assumable VA loan on XX/XX/year>. On XX/XX/XXXX, call attempts and an email were made to the mortgage department of ServiceMac, the lender to begin the assumption request. The lender did not cooperate until XX/XX/XXXX when the lender agreed to mail the assumption packet. The packet was received and digitized by the seller 's agent on XX/XX/XXXX. The buyer completed and returned the assumption packet to the lender on XX/XX/XXXX. The lender reviewed the packet and requested additional information which was acknowledged as received in entirety by the lender on XX/XX/XXXX. Since XX/XX/XXXX, the lender has slowly requested petty additional information from the buyers over the course of several weeks. When queried about the status, the lender has simply stated the application is in a queue. On XX/XX/XXXX, XXXX XXXX XXXX took over processing of the loan.…

I am submitting this complaint regarding my mortgage servicers handling of my loan modification documents and what appears to be an unfair and inconsistent signing deadline. I was informed in written communication through an email that I would have 7 days to review and sign my loan modification documents. The loan modification documents were made available to me through an online notary platform on XX/XX/year>. However, the documents were set to expire on XX/XX/year>, giving me only 2 days to complete signing instead of the 7 days I was told I would have. When I raised this issue with the servicer in writing, they responded that no error occurred but did not address the discrepancy between the 7-day timeframe communicated to me and the 2-day expiration actually imposed. Instead, I was directed to call their Loss Mitigation Department, and the issue remains unresolved.…

I am filing a complaint regarding the mishandling of my mortgage payoff, escrow refund, and unauthorized retention of funds by ServiceMac following the refinance and transfer of my mortgage to XXXX XXXX XXXX. My mortgage with ServiceMac was officially paid off on XX/XX/year> as part of my refinance to XXXX. However, despite the payoff, ServiceMac still processed my scheduled automatic mortgage payment on XX/XX/year>. This payment should have either been stopped, reversed, or properly accounted for following the payoff, but to date I have not received any explanation or refund regarding these funds. Additionally, I have not received my escrow balance refund. When I contacted ServiceMac, I was verbally informed that my escrow balance was approximately {$3000.00}, but I was also told that approximately {$1000.00} was being deducted for reasons their representatives could not clearly explain or document.…