Dear [redacted] :April 27, 2015We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] Our records indicate Seneca Mortgage Servicing LLC acquired [redacted] and [redacted] loan on February 2, from [redacted] Lending LLC ( [redacted] , LLC)A property claim was reported onMarch 3, 2015, which is required to be partially monitored per Fannie Mae guidelinesTherefore, Senecacan release 10% of the unpaid principal balance or $40,000.00, whichever is greater without contractordocumentsOn April 10, 2015, Seneca forwarded under separate cover, a property claim check in theamount of$11,to [redacted] and [redacted] at the above addressPlease be advisedSeneca witheld $from the $11,in [redacted] and [redacted] restricted escrowaccount, within their mortgage account, until repairs are completed and confirmed by a propertyinspection.We sincerely apologize for any inconvenience [redacted] and [redacted] may haveexperienced thus farSeneca strives to provide excellent customer service and we do value our newrelationship with [redacted] and [redacted] , and trust that their future dealings with SenecaMortgage Servicing LLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage
Dear [redacted] :December 2, 2014Our records indicate that Seneca Mortgage Servicing LLC received your initial complaint regarding theerroneous mark on your credit in October It was at that time that Seneca removed the derogatorymark from all credit reporting agencies, showing you current from December 2013-0ctober 2014.We sincerely apologize for any inconvenience you may have experienced thus farSeneca strives toprovide excellent customer service and we do value our relationship with you, and trust that your futuredealings with Seneca Mortgage Servicing will be more positive.I f we can be of further assistance, please call us at ###-###-####, Monday through Thursday fi·om 8: 15AM 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below In my original complaint, I asked for communication with my loan handlerI gave an example that I had one piece of communication that was late (the denial of a short sale) One communication in 6+ months I am looking for communication I did NOT address the short sale in my complaint since it was processed and denied Yet now Seneca has replied to my original complaint with a lie saying that they did not receive the required documents for the short sale Of course they did - the sale was denied But that is not the issue The issue is that my now ex-realtor had called my loan handler 10+ times (I have his documentation) and not received any communication back so he has dropped me as my agent The issue is that since losing my realtor on 1/22/15, I have called or faxed times to try to establish communication about my loan, and have not received a return phone call I received one letter on 2/11/that they received my "correspondence" and will "reply to me under separate cover the results of your request - please allow up to business days" I REQUIRE A PHONE CALL TO DISCUSS MY LOAN I have not received any phone calls (I have caller ID) at home or work, nor have I received any e-mails or additional letters.The reply letter from Seneca regarding my complaint does not address my issue Their reply is about the short sale and not communication.This mortgage servicing center has terrible customer service and says they value their relationship with me, yet they won't pick up a phone and call me.The original complaint is unfulfilled Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below How can it be possible that this document has not been provided to us even though we paid the house in full over four months ago Now Pima County is to be blamed? Provide me proof of the documentation and method of delivery sent to Pima County Also, many months ago lender stated that everything had been filed with Pima County I have checked with Pima County and this prosses should not take more than a few days to complete Finally, it is the lender's responsibility to provide me the document not Pima County I want lender to provide me the full reconveyance that's been recorded with Pima county Regards, [redacted]
We are writing in response to the Revdex.com complaint number [redacted] , filed on May 16, by [redacted] Please be advised that the Private Mortgage Insurance (PMI) premiums on Mr [redacted] 's loan were paid current, meaning that the premiums were paid within the same month for which they were dueAs such, after the first day of each month passed, the premium payment for that month was due in fullTherefore, even though Mr [redacted] paid his loan in full on 5/6/16, the PMI premium for the month of May was still dueIn accordance with those terms, Seneca disbursed $from Mr [redacted] 's escrow account on 5/9/to satisfy the last remaining PMI payment due on the loanPlease be aware that there is no proration of the PMI premiums, and consequently, there is no refund due to Mr [redacted] for the May PMI disbursementAfter the payoff of Mr [redacted] 's loan on 5/6/16, along with the disbursement to pay PMI on 5/9/16, the total balance remaining in Mr [redacted] 's escrow account stands at $3,In accordance with RESP A guidelines, a check for this amount was processed and sent to Mr [redacted] on 5/23/If we can be of further assistance, please call us at [redacted] , Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com ID: [redacted] Loan Number: [redacted] ***We are writing in response to Revdex.com complaint [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com complaint dated 12/31/Please be advised that we have reviewed Mrand Mrs [redacted] ’ loan and will be removing Private Mortgage Insurance (PMI) from their escrow account.Per the Homeowners Protection Act of 1998, the PMI on a loan will be automatically terminated when the principal balance of the mortgage reaches 78% of the original value of the property, and all other requirements are metHowever, as our representative provided incomplete information to Mrand Mrs [redacted] , we will honor the PMI termination at 78%, without the property value verificationWhen the termination is processed, Mrand Mrs [redacted] will receive a letter, and a refund of the PMI overpayment will be returned to Mrand Mrs [redacted] under separate cover.We apologize for any inconvenience this may have caused you.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Hello, Seneca Mortgage did not receive any payments for your loanAll payments are automatically being forwarded to [redacted] for applicationSeneca Mortgage is no longer servicing loans and no longer accepting any payments We have raised a research request on the borrower's behalf to find if the payment was misapplied and have advised them to reach out to the borrower Your [redacted] Loan # [redacted] Please contact [redacted] for any additional questions at 888-480-Thank you,Seneca Mortgage Servicing
Dear [redacted] :We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of the Revdex.com Complaint dated 4/28/Be advised that the check inthe amount of $4,was disbursed from Mrand Mrs***’ escrow account on 4/1/and wasmailed to them on 4/8/We apologize for this brief delay.Per the tax information we have on file, Mrand Mrs***’ County taxes were due 4/16/It is ourpolicy to disburse funds from escrow approximately a month early to ensure there are no complicationsand to take advantage of any discounts available for paying earlyIf Mrand Mrs [redacted] have anyupdated tax information showing a different due date please forward the files to our mailing address.We apologize for any inconvenience this may have caused Mrand Mrs***.If we can be of further assistance, please call us at (866) 919-5608, Monday through Thursday from 8:15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you 03/12/2015Dear [redacted] :We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] .Seneca Mortgage Servicing LLC acknowledges that the refund check that was sent to [redacted] and [redacted] [redacted] had a stop payment erroneously placed on itWe have since reissued thecheck to Mr& Mrs [redacted] along with an apology letter for the inconvenience this issue has caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
To Whom It May Concern : September 3, Seneca Mortgage Servicing LLC acquired the servicing of Ms [redacted] 's loan on May I, The loan was boarded onto the Seneca system with the information provided to us from her prior servicer, Guaranteed RateAt the time, her prior servicer was making two tax disbursements of $5,a year for a total of $11,After the transfer, Seneca made the first disbursement from escrow on May 30, in the amount of $5,It was at that time that Ms [redacted] called to notify Seneca that the incorrect tax disbursement had been madeAfter contacting the county to confirm the total amount due for the 1st payment, an additional $3,was paid to the county to complete the 1st tax installment As of the date of this letter, the taxes on this loan are paid currentAnother disbursement of $9, will not be made until May Due to the large shortage, Seneca will collect the amount over a 24- month period rather than 12-monthsThe payment will change to $3,effective October 1, Ms [redacted] 's loan is currently due for the October 1, payment We sincerely apologize for any inconvenience she may have experienced thus farSeneca strives to provide excellent customer service and we do value our new relationship with her, and trust that her future dealings with Seneca Mortgage Servicing will be more positive If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: AM to 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time Sincerely, Customer Service Department
Dear [redacted] , October 30, After review of [redacted] loan, Seneca Mortgage Servicing LLC recognizes that taxes were not paid in a timely mannerSeneca has since corrected this error, and the taxes were disbursed from Mr [redacted] escrow account, in the amount of $1,on 10/09/Additionally, please be advised that Mr [redacted] will not be held liable for any penalties or interestThe next installment of quarterly taxes, due October in the amount of $1,767.68, was disbursed on 10/27/ On 10/15/an analysis was completed on Mr [redacted] escrow accountPer that escrow analysis Mr [redacted] new monthly mortgage payment will be $1,effective with the 1/01/ paymentEnclosed please find a copy of Mr [redacted] Seneca payment history as well as the 10/15/escrow analysis Seneca sincerely apologizes for any inconvenience Mr [redacted] may have experienced thus farSeneca strives to provide excellent customer service and we do value our relationship with you, and trust that your future dealings with Seneca Mortgage Servicing will be more positive If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: AM to 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time Sincerely, Customer Service Department Seneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you for your assistance in getting this matter resolved! Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] Its not my problem that they didn't get all the information from my original Mortgage CompanyIt seems rather odd that a Home Mortgage Company didn't pay for Home Property TaxesAlso here is something that they left outI was Transferred to Seneca Mortgage on December 1st, from my old Mortgage CompanyThe Home Property Tax Bill was not due until January 15th, Which makes Seneca Mortgage responsible for payment of my taxesPlus they also paid my Land Property Tax in December of The Over-payment check I received was mailed out to me on February My current Mortgage payment was also raised up $a month, after I sent them a copy of the Execution Notice I received from my County when my Home Property Taxes were months lateI sent them a copy of it on April 26th They took that late bill and applied it as my "Projected" tax bill for this upcoming yearThen I received a Escrow shortage bill to make up for the bill that I had to payHow is it that I owe them money when I i had to pay for everything out of my pocket? I have since gone to the County and got an Appraisal for my Home taxes and faxed it to them on May June 16th, They have yet to make the adjustments, and refuse to answer my emailsI still want repayment for what I had to borrow to pay the bill that they overlookedAlso my current Mortgage payment does not need to fluctuate until after they re apply the new Appraisal into my Escrow
We are writing in response to the Revdex.com complaint number [redacted] , filed on 5/26/by [redacted] ***.Please be advised that Seneca Mortgage Servicing LLC has reviewed Mr***'s request to remove the escrow collection from the loanIt is Seneca policy that the requirement for escrow will not be removed unless required under State or Federal LawWhen Mr [redacted] and Ms [redacted] 's loan originated in February 2013, it closed with the requirement for taxes and insurance to be collected and paid through escrowIn accordance with the terms of the original loan documentation, Fannie Mae regulations, and applicable State and Federal Law; Seneca Mortgage Servicing LLC is not obligated to waive the requirement for escrow from the loanTherefore, we will not consent to the removal of Mr [redacted] and Ms [redacted] s escrow accountPer RESP A guidelines, Seneca Mortgage Servicing LLC is required to conduct an analysis on all loans with escrow accounts at least once per yearThe purpose of these analyses are to update the escrow collection and monthly payment amounts to ensure that sufficient funds are being collected to pay the escrowed itemsPlease be aware that upon receipt of new information regarding escrowed items, receipt of the repayment of shortage funds, or upon request, Seneca may conduct additional escrow analyses to account for any changes to the required escrow collectionPlease be aware that while the principal and interest portion of the payment will not change, the total monthly payment is subject to alteration as a result of variations in taxes, insurance, and any shortage or overage of funds that may be present in the accountWhen an escrow analysis is conducted, the borrower is sent a statement detailing the results of the analysis, including any change to their monthly payment amountIt is the responsibility of the borrower to ensure that they are submitting the correct payment amount on time each monthPer the terms of the Note, which both Mr [redacted] and Ms [redacted] signed at the origination of the loan, payments are due on the 1st day of each monthThere is a day payment grace period from the due date in which monthly payments can be made without incurring a late feeIf said payment is not received by the expiration of the day grace period, the loan will incur a late fee equal to 5% of the overdue payment of principal and interest, which in this case is $As a courtesy to Mr [redacted] and Ms [redacted] , Seneca Mortgage Servicing LLC waived of the late charges that were outstanding on your loan on 5/18/16, for a total waiver of $Please be advised however, that a late charge in the amount of$is still active on the account, and thus is the borrower's responsibility to payAs of the date of this letter, Mr [redacted] and Ms [redacted] s loan is current, with the next payment due on 6/1/in the amount of$2,920.63.Enclosed, please find a copy of the signed Note and Mortgage from the origination of the loanThe Note specifies the payment terms of the loan, including the regulations governing the assessment oflate chargesSection of the Mortgage will specify the contractual requirements regarding the obligations to the escrow accountIfwe can be of further assistance, please call us at [redacted] , Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern TimeSincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:Colorado Manager, IncGarden Center, Suite 3, Broomfield, CO Phone number: 303-920-4763-Important Message for Homeownership Counseling Only-The U.SDepartment of Housing and Urban Development (HUD) sponsors housing counseling agencies designedto help homeowners avoid losing their homesTo obtain a list ofHUD-approved counseling agencies, please call [redacted] or visit www.hud.gov.Seneca Mortgage
Revdex.com: I feel my response rejecting Seneca's escrow audit findings and review on their customer service model were explicitHere's a summary:Seneca's escrow analysis was wrong as the amount I owe is near $1, My complaints around their customer servicing is their IVR and inability for a customer to speak with a representative Email with them is worse as no response Should you get to a live body, the information conflicts Simple stuff like: why is my escrow increasing, what is my new payment, when is it do, does Seneca draft automatically from my account With such poor customer support, I feel the security of my home asset is in jeopardy This company feels very miss managed I encourage you to pool your customer complaints about Seneca You'll see a strong pattern of miss management It would be horrific if this company goes under and home owners lose their homes Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] And [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The buisness responded that they have waved late fees and there was no negative credit reportThey said this as if that was enough correctionThere willingness to correct that was an omissions of wrong doingThat is only part of the damagesI want to be made whole by also paying me the money back that I payed for the companies misinformation given to me by there representatives, which threw my bi-weekly payments off
We are writing in response to Revdex.com inquiry [redacted] regarding the above referencedloan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated 1/4/Aftercareful review, our systems have been properly updated to enable Mr [redacted] to make payments viaaccess to his Seneca account onlineWe apologize for any inconvenience this may have caused Mr.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear [redacted] :April 27, 2015We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] Our records indicate Seneca Mortgage Servicing LLC acquired [redacted] and [redacted] loan on February 2, from [redacted] Lending LLC ( [redacted] , LLC)A property claim was reported onMarch 3, 2015, which is required to be partially monitored per Fannie Mae guidelinesTherefore, Senecacan release 10% of the unpaid principal balance or $40,000.00, whichever is greater without contractordocumentsOn April 10, 2015, Seneca forwarded under separate cover, a property claim check in theamount of$11,to [redacted] and [redacted] at the above addressPlease be advisedSeneca witheld $from the $11,in [redacted] and [redacted] restricted escrowaccount, within their mortgage account, until repairs are completed and confirmed by a propertyinspection.We sincerely apologize for any inconvenience [redacted] and [redacted] may haveexperienced thus farSeneca strives to provide excellent customer service and we do value our newrelationship with [redacted] and [redacted] , and trust that their future dealings with SenecaMortgage Servicing LLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage
Here is the copy of the check in which we sent to the consumer
Dear [redacted] :December 2, 2014Our records indicate that Seneca Mortgage Servicing LLC received your initial complaint regarding theerroneous mark on your credit in October It was at that time that Seneca removed the derogatorymark from all credit reporting agencies, showing you current from December 2013-0ctober 2014.We sincerely apologize for any inconvenience you may have experienced thus farSeneca strives toprovide excellent customer service and we do value our relationship with you, and trust that your futuredealings with Seneca Mortgage Servicing will be more positive.I f we can be of further assistance, please call us at ###-###-####, Monday through Thursday fi·om 8: 15AM 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below In my original complaint, I asked for communication with my loan handlerI gave an example that I had one piece of communication that was late (the denial of a short sale) One communication in 6+ months I am looking for communication I did NOT address the short sale in my complaint since it was processed and denied Yet now Seneca has replied to my original complaint with a lie saying that they did not receive the required documents for the short sale Of course they did - the sale was denied But that is not the issue The issue is that my now ex-realtor had called my loan handler 10+ times (I have his documentation) and not received any communication back so he has dropped me as my agent The issue is that since losing my realtor on 1/22/15, I have called or faxed times to try to establish communication about my loan, and have not received a return phone call I received one letter on 2/11/that they received my "correspondence" and will "reply to me under separate cover the results of your request - please allow up to business days" I REQUIRE A PHONE CALL TO DISCUSS MY LOAN I have not received any phone calls (I have caller ID) at home or work, nor have I received any e-mails or additional letters.The reply letter from Seneca regarding my complaint does not address my issue Their reply is about the short sale and not communication.This mortgage servicing center has terrible customer service and says they value their relationship with me, yet they won't pick up a phone and call me.The original complaint is unfulfilled Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below How can it be possible that this document has not been provided to us even though we paid the house in full over four months ago Now Pima County is to be blamed? Provide me proof of the documentation and method of delivery sent to Pima County Also, many months ago lender stated that everything had been filed with Pima County I have checked with Pima County and this prosses should not take more than a few days to complete Finally, it is the lender's responsibility to provide me the document not Pima County I want lender to provide me the full reconveyance that's been recorded with Pima county Regards, [redacted]
We are writing in response to the Revdex.com complaint number [redacted] , filed on May 16, by [redacted] Please be advised that the Private Mortgage Insurance (PMI) premiums on Mr [redacted] 's loan were paid current, meaning that the premiums were paid within the same month for which they were dueAs such, after the first day of each month passed, the premium payment for that month was due in fullTherefore, even though Mr [redacted] paid his loan in full on 5/6/16, the PMI premium for the month of May was still dueIn accordance with those terms, Seneca disbursed $from Mr [redacted] 's escrow account on 5/9/to satisfy the last remaining PMI payment due on the loanPlease be aware that there is no proration of the PMI premiums, and consequently, there is no refund due to Mr [redacted] for the May PMI disbursementAfter the payoff of Mr [redacted] 's loan on 5/6/16, along with the disbursement to pay PMI on 5/9/16, the total balance remaining in Mr [redacted] 's escrow account stands at $3,In accordance with RESP A guidelines, a check for this amount was processed and sent to Mr [redacted] on 5/23/If we can be of further assistance, please call us at [redacted] , Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com ID: [redacted] Loan Number: [redacted] ***We are writing in response to Revdex.com complaint [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com complaint dated 12/31/Please be advised that we have reviewed Mrand Mrs [redacted] ’ loan and will be removing Private Mortgage Insurance (PMI) from their escrow account.Per the Homeowners Protection Act of 1998, the PMI on a loan will be automatically terminated when the principal balance of the mortgage reaches 78% of the original value of the property, and all other requirements are metHowever, as our representative provided incomplete information to Mrand Mrs [redacted] , we will honor the PMI termination at 78%, without the property value verificationWhen the termination is processed, Mrand Mrs [redacted] will receive a letter, and a refund of the PMI overpayment will be returned to Mrand Mrs [redacted] under separate cover.We apologize for any inconvenience this may have caused you.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Hello, Seneca Mortgage did not receive any payments for your loanAll payments are automatically being forwarded to [redacted] for applicationSeneca Mortgage is no longer servicing loans and no longer accepting any payments We have raised a research request on the borrower's behalf to find if the payment was misapplied and have advised them to reach out to the borrower Your [redacted] Loan # [redacted] Please contact [redacted] for any additional questions at 888-480-Thank you,Seneca Mortgage Servicing
Dear [redacted] :We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of the Revdex.com Complaint dated 4/28/Be advised that the check inthe amount of $4,was disbursed from Mrand Mrs***’ escrow account on 4/1/and wasmailed to them on 4/8/We apologize for this brief delay.Per the tax information we have on file, Mrand Mrs***’ County taxes were due 4/16/It is ourpolicy to disburse funds from escrow approximately a month early to ensure there are no complicationsand to take advantage of any discounts available for paying earlyIf Mrand Mrs [redacted] have anyupdated tax information showing a different due date please forward the files to our mailing address.We apologize for any inconvenience this may have caused Mrand Mrs***.If we can be of further assistance, please call us at (866) 919-5608, Monday through Thursday from 8:15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you 03/12/2015Dear [redacted] :We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] .Seneca Mortgage Servicing LLC acknowledges that the refund check that was sent to [redacted] and [redacted] [redacted] had a stop payment erroneously placed on itWe have since reissued thecheck to Mr& Mrs [redacted] along with an apology letter for the inconvenience this issue has caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
To Whom It May Concern : September 3, Seneca Mortgage Servicing LLC acquired the servicing of Ms [redacted] 's loan on May I, The loan was boarded onto the Seneca system with the information provided to us from her prior servicer, Guaranteed RateAt the time, her prior servicer was making two tax disbursements of $5,a year for a total of $11,After the transfer, Seneca made the first disbursement from escrow on May 30, in the amount of $5,It was at that time that Ms [redacted] called to notify Seneca that the incorrect tax disbursement had been madeAfter contacting the county to confirm the total amount due for the 1st payment, an additional $3,was paid to the county to complete the 1st tax installment As of the date of this letter, the taxes on this loan are paid currentAnother disbursement of $9, will not be made until May Due to the large shortage, Seneca will collect the amount over a 24- month period rather than 12-monthsThe payment will change to $3,effective October 1, Ms [redacted] 's loan is currently due for the October 1, payment We sincerely apologize for any inconvenience she may have experienced thus farSeneca strives to provide excellent customer service and we do value our new relationship with her, and trust that her future dealings with Seneca Mortgage Servicing will be more positive If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: AM to 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time Sincerely, Customer Service Department
Dear [redacted] , October 30, After review of [redacted] loan, Seneca Mortgage Servicing LLC recognizes that taxes were not paid in a timely mannerSeneca has since corrected this error, and the taxes were disbursed from Mr [redacted] escrow account, in the amount of $1,on 10/09/Additionally, please be advised that Mr [redacted] will not be held liable for any penalties or interestThe next installment of quarterly taxes, due October in the amount of $1,767.68, was disbursed on 10/27/ On 10/15/an analysis was completed on Mr [redacted] escrow accountPer that escrow analysis Mr [redacted] new monthly mortgage payment will be $1,effective with the 1/01/ paymentEnclosed please find a copy of Mr [redacted] Seneca payment history as well as the 10/15/escrow analysis Seneca sincerely apologizes for any inconvenience Mr [redacted] may have experienced thus farSeneca strives to provide excellent customer service and we do value our relationship with you, and trust that your future dealings with Seneca Mortgage Servicing will be more positive If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: AM to 10:PM Eastern Standard Time and Fridays from 8: AM to 5:PM Eastern Standard Time Sincerely, Customer Service Department Seneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Thank you for your assistance in getting this matter resolved! Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] Its not my problem that they didn't get all the information from my original Mortgage CompanyIt seems rather odd that a Home Mortgage Company didn't pay for Home Property TaxesAlso here is something that they left outI was Transferred to Seneca Mortgage on December 1st, from my old Mortgage CompanyThe Home Property Tax Bill was not due until January 15th, Which makes Seneca Mortgage responsible for payment of my taxesPlus they also paid my Land Property Tax in December of The Over-payment check I received was mailed out to me on February My current Mortgage payment was also raised up $a month, after I sent them a copy of the Execution Notice I received from my County when my Home Property Taxes were months lateI sent them a copy of it on April 26th They took that late bill and applied it as my "Projected" tax bill for this upcoming yearThen I received a Escrow shortage bill to make up for the bill that I had to payHow is it that I owe them money when I i had to pay for everything out of my pocket? I have since gone to the County and got an Appraisal for my Home taxes and faxed it to them on May June 16th, They have yet to make the adjustments, and refuse to answer my emailsI still want repayment for what I had to borrow to pay the bill that they overlookedAlso my current Mortgage payment does not need to fluctuate until after they re apply the new Appraisal into my Escrow
This complaint has been forward to [redacted] Mortgage as they are the new servicer of this mortgage
We are writing in response to the Revdex.com complaint number [redacted] , filed on 5/26/by [redacted] ***.Please be advised that Seneca Mortgage Servicing LLC has reviewed Mr***'s request to remove the escrow collection from the loanIt is Seneca policy that the requirement for escrow will not be removed unless required under State or Federal LawWhen Mr [redacted] and Ms [redacted] 's loan originated in February 2013, it closed with the requirement for taxes and insurance to be collected and paid through escrowIn accordance with the terms of the original loan documentation, Fannie Mae regulations, and applicable State and Federal Law; Seneca Mortgage Servicing LLC is not obligated to waive the requirement for escrow from the loanTherefore, we will not consent to the removal of Mr [redacted] and Ms [redacted] s escrow accountPer RESP A guidelines, Seneca Mortgage Servicing LLC is required to conduct an analysis on all loans with escrow accounts at least once per yearThe purpose of these analyses are to update the escrow collection and monthly payment amounts to ensure that sufficient funds are being collected to pay the escrowed itemsPlease be aware that upon receipt of new information regarding escrowed items, receipt of the repayment of shortage funds, or upon request, Seneca may conduct additional escrow analyses to account for any changes to the required escrow collectionPlease be aware that while the principal and interest portion of the payment will not change, the total monthly payment is subject to alteration as a result of variations in taxes, insurance, and any shortage or overage of funds that may be present in the accountWhen an escrow analysis is conducted, the borrower is sent a statement detailing the results of the analysis, including any change to their monthly payment amountIt is the responsibility of the borrower to ensure that they are submitting the correct payment amount on time each monthPer the terms of the Note, which both Mr [redacted] and Ms [redacted] signed at the origination of the loan, payments are due on the 1st day of each monthThere is a day payment grace period from the due date in which monthly payments can be made without incurring a late feeIf said payment is not received by the expiration of the day grace period, the loan will incur a late fee equal to 5% of the overdue payment of principal and interest, which in this case is $As a courtesy to Mr [redacted] and Ms [redacted] , Seneca Mortgage Servicing LLC waived of the late charges that were outstanding on your loan on 5/18/16, for a total waiver of $Please be advised however, that a late charge in the amount of$is still active on the account, and thus is the borrower's responsibility to payAs of the date of this letter, Mr [redacted] and Ms [redacted] s loan is current, with the next payment due on 6/1/in the amount of$2,920.63.Enclosed, please find a copy of the signed Note and Mortgage from the origination of the loanThe Note specifies the payment terms of the loan, including the regulations governing the assessment oflate chargesSection of the Mortgage will specify the contractual requirements regarding the obligations to the escrow accountIfwe can be of further assistance, please call us at [redacted] , Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern TimeSincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:Colorado Manager, IncGarden Center, Suite 3, Broomfield, CO Phone number: 303-920-4763-Important Message for Homeownership Counseling Only-The U.SDepartment of Housing and Urban Development (HUD) sponsors housing counseling agencies designedto help homeowners avoid losing their homesTo obtain a list ofHUD-approved counseling agencies, please call [redacted] or visit www.hud.gov.Seneca Mortgage
Revdex.com: I feel my response rejecting Seneca's escrow audit findings and review on their customer service model were explicitHere's a summary:Seneca's escrow analysis was wrong as the amount I owe is near $1, My complaints around their customer servicing is their IVR and inability for a customer to speak with a representative Email with them is worse as no response Should you get to a live body, the information conflicts Simple stuff like: why is my escrow increasing, what is my new payment, when is it do, does Seneca draft automatically from my account With such poor customer support, I feel the security of my home asset is in jeopardy This company feels very miss managed I encourage you to pool your customer complaints about Seneca You'll see a strong pattern of miss management It would be horrific if this company goes under and home owners lose their homes Regards, [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] And [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Regards, [redacted] The buisness responded that they have waved late fees and there was no negative credit reportThey said this as if that was enough correctionThere willingness to correct that was an omissions of wrong doingThat is only part of the damagesI want to be made whole by also paying me the money back that I payed for the companies misinformation given to me by there representatives, which threw my bi-weekly payments off
We are writing in response to Revdex.com inquiry [redacted] regarding the above referencedloan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated 1/4/Aftercareful review, our systems have been properly updated to enable Mr [redacted] to make payments viaaccess to his Seneca account onlineWe apologize for any inconvenience this may have caused Mr.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC