We are writing in response to Mr***'s recent Revdex.com complaint #***.On Seneca Mortgage Servicing LLC's phone systems were down for Business continuity testingfrom :3Opm ET-5:OOprn ETOur phone number i* *** *** and on *** Mr*** was ableto call
in and speak with an agent to obtain the copy of his billing statement.Additionally in regards to obtaining the billing statements through our Customer Care Net, it wasdetermined that Mr*** was using an IP address that was located in GuamFor security purposes ifany borrower is using an IP address outside of the Continental United States they will have to alert Senecato where they are located and a request can be placed to allow the IP address to go throughWe haveadded Guam to Mr***'s profile, however for future locations outside of the Continental United Stateshe would have to call in to have the location added.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Please be aware that throughout this process, Ms*** has continued to make her monthly payments ontime, and has not incurred any negative reporting of the loan to the credit bureaus, nor has she beenassessed any late feesAdditionally, if Ms*** can provide proof of insurance coverage during
the lapsedperiod, a refund will be due to Ms*** for the $that was paid out for the lapsed periodIf a refundis forthcoming, it will most likely be sent directly to Ms*** from the insurance companyIf there is arefund and it is sent to Seneca, we will forward those funds to Ms***.Enclosed, please find copies of both Ms***'s *** Home Mortgage and Seneca Mortgage ServicingLLC payment histories, which will illustrate the above referenced transactions on her account.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 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
They have overcharged me in the reinstatement for my foreclosure by $Insurance was in place and I have proof of insuranceNow they are making matters worse by forcing back tax payments into my monthly payment without resolving my issueAgain! mistake, mistakes, mistakesNo call or follow up to see what is going on they just do whatever they please with no regard to my situation.Please attchements of insurance I had in place as well as breakdown of payments that shows they overcharged me on my reinstatement
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Seneca Mortgage has still not applied all of my payment to them appropriately & my principal is not at the correct amountIn their letter they discuss my split payments to the previous lender, which I discuss and resolved with that lender prior to Seneca taking over my accountThere are now payment corrections on my account and the principal was corrected back to $200K when the amount Seneca took over was only $197,908.32. My principal balance should be $196,& my account should be current with no late fees or negative reports on my credit history.These are the payments I have made and need credit for:$1,made on 9/28/to former lender *** ***$1,payment made by *** (my equity accelerator program) for November$payment made by *** (my equity accelerator program) for DecemberI can't see what they have received from *** for January but it should be around if not more than the $1,made by *** in December. My principal also needs to be adjusted appropriately. I have faxed and emailed the attached documentation to Seneca on 12.8.15, these fourteen pages outline my payments & bank statements to support my claims of the miss allocation of my funds as well as the starting principle Seneca Mortgage took over 10.1.15.
Regards,
*** ***
We are writing in response to the Revdex.com complaint number ***, filed on April19,by Ryan and *** ***After review of Mrand Mrs*** loan, Seneca Mortgage Serving LLC has been unable to determinewhy their bill-pay payment dated March 31,did not post to their
account in a timely fashionAs aprecaution, we have reviewed Mrand Mrs*** most recently posted bill-pay payment, and haveconcluded that all ofthe information on that check (Check# ***, dated February 29, in theamount of$2,375.00); was accurateThat check was received on March 2, 2016, and was applied to the*** account as their March monthly payment on that same dayPlease be advised that we cannotfurther investigate the missing payment in question without additional informationIf Mrand Mrs***would like Seneca to research further, we would ask that they submit a copy of the cancelled check, sothat we can attempt to ascertain why the payment was not promptly received and applied to their loan asintended.Seneca Mortgage Servicing LLC is in receipt of Mrand Mrs*** online draft payment of$2,366.62,which was made on April 22, and applied to the loan as the April payment on that same day.As such, the loan is now current, and as of the date of this letter, is now due for the May 1, payment.Please be advised that we have waived the late fee that was assessed in the amount of $on April 19,from Mrand Mrs*** accountFurthermore, there has been no negative reporting of the loan tothe credit bureaus while this issue has been ongoingWe apologize for any inconvenience that this mayhave caused.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 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service Department, Seneca Mortgage Servicing LLC
Case Number: *** *** *** *** ***
*** ** * ** * *Dear John:This letter is in response to the Revdex.com Complaint of *** *** number ***.Enclosed is a copy of Mr***'s Note which states "The Note may be prepaid in whole or in part uponthirty
(30) days prior written notice to the LenderIn the event of any prepayment of the Note at any timethrough June 1, (the "Prepayment Charge Expiration Date") whether by voluntary prepayment,acceleration or otherwise, the Borrower shall, at the option of the Lender, pay a "Prepayment Premium"equal to 3% of the principal amount so prepaidNo Prepayment Premium will be due Lender if (a) priorto the Prepayment Charge Expiration Date, a prepayment amount received plus all other prepaymentamounts received in the most recent months is not greater than 20% of the Principal Amount of theNote or (b) a prepayment is made in whole or in part after the Prepayment Charge Expiration Date."The copy of the Note was provided to Mr*** at closing and also another copy was sent to him in aletter dated advising him of the prepayment penaltiesOn Mr*** made a principalpayment of $28,without being assessed the penalty, under the terms of his original Note he is ableto make the next curtailment months from the date of the last curtailment provided it is not greater than20% of the Principal Amount of the Note without a penalty.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** *** I never received letters, which my mailing address is correct, why didn't you try and call if you thought the address was wrong? You have my celnumber? Dont You? I talked to a replast week and he then told me all my mail came back to sender from P.O.! He was the only person to ever tell me this, everybody else just blames and insinuates!!!!!! He also told me I should go to bank and ask for a copy of check front and back and fax to seneca for proof and THEN they will ask *** *** for it! Of all the people I talked to, he was the only person that made sense and cared about my case, He told me straight, that he probably was the only person that I will talk to that cares!! I am collecting copies right now and will fax to seneca for-March,April,May. The months that are still missing
We are writing in response to the Revdex.com complaint number ***, filed on January20, 2017, by *** ***.After review of the loan, Seneca Mortgage Servicing LLC has determined in March 2016, it was concludedthat we did not have valid evidence of homeowner’s insurance for the property, and multiplecommunications were sent to Ms*** requesting an updated insurance policyWhen we did notreceive new evidence of insurance from Ms***, a lender placed insurance policy was instituted onthe property, and $5,was disbursed from escrow on May 10, as payment for that policy.Servicing of the loan transferred from Seneca to *** Mortgage, effective September 16, 2016.When the loan transferred, the lender placed insurance policy was still in effectIn November 2016, wereceived the proof of insurance that had been requested, and upon validation of the policy, the force placedinsurance was cancelled, and the new policy put into effectA full refund of the $5,that was paidfor the lender placed insurance was received by Seneca on November 15, The funds were thenforwarded to *** on November 17, In order to determine if *** correctly applied therefund to escrow, Ms*** will need to contact *** directly, as Seneca does not have access tothat information.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
We are writing in response to the Revdex.com complaint number *** filed on April 4,by *** *** ***.After review of Mr***' loan, Seneca Mortgage Servicing LLC has determined that we received fundsfrom him in the amount of $1,on 3/29/However, instead of
applying the full sum as a principalcurtailment as Mr*** had intended, the funds were divided up and applied in the following ways:$2,was applied as both the April and May monthly payments for a total of $4,447.46, withthe remaining $7,applied as principal curtailmentPer Mr***' request, we reversed thosetransactions, and applied the full $1,towards the principal balance of the loan on 3/31/Pleasebe advised that we have updated our records to ensure that in accordance with Mr***' wishes, anyadditional funds received outside of the regular monthly payment amount will be applied towards thereduction of the principal balance of the loan.Enclosed, please find a copy of Mr***' Seneca Mortgage Servicing LLC payment history, which willillustrate the above referenced transactions on his accountWe apologize for any inconvenience that thismay have caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear ***:We are writing in response to Revdex.com complaint *** regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 5/18/Please be advised that asSeneca Mortgage Servicing, LLC is the servicer of your loan, we are unable to
alter any of the terms ofyour original mortgageIf you are interested in changing the legal boundaries of your property you willhave to refinance your loan through a different company.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 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear ***,
October 30,
We are writing in response to your recent customer service inquiry regarding the above
referenced loan
Seneca Mortgage Servicing LLC has previously received and responded to *** ***
request on October 1,Enclosed is a copy of our previous response regarding Ms***
concerns on Credit Bureau Reporting and her monthly mortgage paymentsBased on Guaranteed
Rate, Inc.'s escrow analysis dated December 3, Ms*** payment was to increase as
of February 1,in the amount of $ 1,987.97, Seneca Mortgage Servicing LLC has
determined that her prior servicer Guaranteed Rate, INCwas erroneously accepting a lower
monthly payment of $ 1,Seneca's commenced servicing Ms*** loan on May I ,
Seneca however, cannot accept a lower mortgage payment based on the escrow analysis
Also enclosed is Seneca most recent payment history showing the September 12, mortgage
payment applied to the August 1, mortgage paymentTherefore Ms*** credit
reporting cannot be adjusted due to the loan was days delinquentAs of the date of this letter
there is $balance for late fees on the account
Seneca Mortgage Servicing LLC sincerely apologizes for any inconvenience that Ms***
may have experienced thus farSeneca strives to provide excellent customer service and we do
value our relationship with Ms***, and trust that her future dealings with Seneca Mortgage
Servicing LLC 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
See additional documentation attached
February 11,2015We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID ***After review of *** *** and *** ***'s account, lt has been determined that their loanwas transferred on April 1, from *** Central Loan
Administration & Reporting(***) to Seneca Mortgage Servicing LLCSeneca has reach out to Ms***'s priorcompany servicing ***, for copy of a marriage certificate; unfortunately *** wasunable to forward any information to Seneca regarding a marriage certificateTherefore, Senecamust go by the names originally listed on the NoteEnclosed is a copy of Ms***'s Note.Once Seneca receives a copy of Ms***'s marriage certificate we would be able to update oursystems accordingly.We sincerely apologize for any inconvenience Ms*** may have experienced thus farSenecastrives to provide excellent customer service and we do value our new relationship with her, andtrust that their future dealings with Seneca Mortgage Servicing LLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PMEastern Standard Time.Sincerely,Customer Service Department
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not
resolve my complaint. For your reference, details of the offer I reviewed appear below
You have transferred my loan with a $escrow shortage, which is simply an impossible amountYou have caused a lot of undue stress and an increased mortgage payment of over $per monthI have already been going through the trouble of working with the other company, but you did not do your due diligence to rectify this before transferring, as I requested many times during July and August when you were well aware of this problemYou are shifting the responsibility for your actions, and it is not *** who created this problem, it was Seneca Mortgage, which is why the complaint is against you
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID and have determined that this does not resolve my complaint.
For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The issue is that they did transfer the loan to Nationstar! Seneca has kept my $and never ordered an appraisal! They told me they would now return the $to me, however; they will now not return my calls! This is fraud, misrepresentation and horrible customer service.*** has returned my calls, emails and addressed my concerns They have now started the process over and have been very helpful The issue is Seneca still has my $and did not complete their side of our agreement!
Regards,
*** ***
February 26,We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID ***Upon review of *** *** account it has been determined that her loan was in the process ofa Short Sale ReviewUnfortunately, the review was cancelled as the
required documents werenot returned on timeTherefore, if Ms*** would like to be reviewed for another short saleoffer, her Realtor would need to submit the necessary documents to Seneca.Seneca Mortgage Servicing LLC, sincerely apologize for any inconvenience Ms*** mayhave experienced thus farSeneca strives to provide excellent customer service and we do valueour relationship with her, and trust that their future dealings with Seneca Mortgage ServicingLLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PMEastern 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 ***3, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
Seneca failed to respond to the problem of reaching a live customer service representative through the automated call system. No email address listed on mortgage statement for communication.Also, the amount due is incorrect. Seneca disbursed $and received $2823.60, $and $for a balance of $1119.94, not $as stated in their responseSeneca did not address the fact their letter of 3-21-gave me days to respond. They gave me zero days before they set up the illegal escrow fund. This could've been resolved very easily without the fiasco they created
We are writing in response to Revdex.com complaint *** regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Mr*** Revdex.com complaint dated4/14/When Mr*** loan transferred to Seneca Mortgage Servicing LLC on *** the
taxinformation was incorrectly added into our systemThe property taxes were being collected at $permonth instead ofthe correct amount of$a monthWhen Mr*** escrow account wasanalyzed on 12/it was determined that this discrepancy caused a shortage in his escrow account inthe amount of $5,Normally this would be collected over months, but due to the circumstanceswe have spread the shortage over monthsEffective with the payment, Mr***monthly payment amount will be $2,and we will be unable to remove Mr*** escrowaccount at this time.On 3/28/16, we received Mr*** incomplete work out packageOn 3/29/a letter was mailedto him advising of the missing necessary documentsOn 4/14/we received a portion of thedocumentation needed, however we submitted a request with the investor as a courtesy to Mr***.After reviewing, the investor decided to decline the modification and a letter was sent to Mr***on 4/explaining the decisionA copy of that letter has been attached for Mr***' s reference.We 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 8:15AM to 5:00PM Eastern Time
Re: Loan Number: ***Case Number: *** ** ***
*** ** ***
*** *** ***
***, OR 97478-6752Dear ***:Seneca Mortgage Servicing LLC would like to apologize for the misinformation that was provided in theresponse sent to the Revdex.com on 12/23/The correct repayment amount is $which is due on01/15/16, 02/15/16, 03/15/and 04/15/We apologize for any inconvenience this may have causedto Mrand Mrs***.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
We are writing in response to Mr***'s recent Revdex.com complaint #***.On Seneca Mortgage Servicing LLC's phone systems were down for Business continuity testingfrom :3Opm ET-5:OOprn ETOur phone number i* *** *** and on *** Mr*** was ableto call
in and speak with an agent to obtain the copy of his billing statement.Additionally in regards to obtaining the billing statements through our Customer Care Net, it wasdetermined that Mr*** was using an IP address that was located in GuamFor security purposes ifany borrower is using an IP address outside of the Continental United States they will have to alert Senecato where they are located and a request can be placed to allow the IP address to go throughWe haveadded Guam to Mr***'s profile, however for future locations outside of the Continental United Stateshe would have to call in to have the location added.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Please be aware that throughout this process, Ms*** has continued to make her monthly payments ontime, and has not incurred any negative reporting of the loan to the credit bureaus, nor has she beenassessed any late feesAdditionally, if Ms*** can provide proof of insurance coverage during
the lapsedperiod, a refund will be due to Ms*** for the $that was paid out for the lapsed periodIf a refundis forthcoming, it will most likely be sent directly to Ms*** from the insurance companyIf there is arefund and it is sent to Seneca, we will forward those funds to Ms***.Enclosed, please find copies of both Ms***'s *** Home Mortgage and Seneca Mortgage ServicingLLC payment histories, which will illustrate the above referenced transactions on her account.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 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
They have overcharged me in the reinstatement for my foreclosure by $Insurance was in place and I have proof of insuranceNow they are making matters worse by forcing back tax payments into my monthly payment without resolving my issueAgain! mistake, mistakes, mistakesNo call or follow up to see what is going on they just do whatever they please with no regard to my situation.Please attchements of insurance I had in place as well as breakdown of payments that shows they overcharged me on my reinstatement
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Seneca Mortgage has still not applied all of my payment to them appropriately & my principal is not at the correct amountIn their letter they discuss my split payments to the previous lender, which I discuss and resolved with that lender prior to Seneca taking over my accountThere are now payment corrections on my account and the principal was corrected back to $200K when the amount Seneca took over was only $197,908.32. My principal balance should be $196,& my account should be current with no late fees or negative reports on my credit history.These are the payments I have made and need credit for:$1,made on 9/28/to former lender *** ***$1,payment made by *** (my equity accelerator program) for November$payment made by *** (my equity accelerator program) for DecemberI can't see what they have received from *** for January but it should be around if not more than the $1,made by *** in December. My principal also needs to be adjusted appropriately. I have faxed and emailed the attached documentation to Seneca on 12.8.15, these fourteen pages outline my payments & bank statements to support my claims of the miss allocation of my funds as well as the starting principle Seneca Mortgage took over 10.1.15.
Regards,
*** ***
We are writing in response to the Revdex.com complaint number ***, filed on April19,by Ryan and *** ***After review of Mrand Mrs*** loan, Seneca Mortgage Serving LLC has been unable to determinewhy their bill-pay payment dated March 31,did not post to their
account in a timely fashionAs aprecaution, we have reviewed Mrand Mrs*** most recently posted bill-pay payment, and haveconcluded that all ofthe information on that check (Check# ***, dated February 29, in theamount of$2,375.00); was accurateThat check was received on March 2, 2016, and was applied to the*** account as their March monthly payment on that same dayPlease be advised that we cannotfurther investigate the missing payment in question without additional informationIf Mrand Mrs***would like Seneca to research further, we would ask that they submit a copy of the cancelled check, sothat we can attempt to ascertain why the payment was not promptly received and applied to their loan asintended.Seneca Mortgage Servicing LLC is in receipt of Mrand Mrs*** online draft payment of$2,366.62,which was made on April 22, and applied to the loan as the April payment on that same day.As such, the loan is now current, and as of the date of this letter, is now due for the May 1, payment.Please be advised that we have waived the late fee that was assessed in the amount of $on April 19,from Mrand Mrs*** accountFurthermore, there has been no negative reporting of the loan tothe credit bureaus while this issue has been ongoingWe apologize for any inconvenience that this mayhave caused.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 8:15AM to 5:00PM Eastern Time.Sincerely,Customer Service Department, Seneca Mortgage Servicing LLC
Servicing of loan transferred to Nationstar MortgageForwarded complaint to them and advised them to reach-out to the borrower
Case Number: *** *** *** *** ***
*** ** * ** * *Dear John:This letter is in response to the Revdex.com Complaint of *** *** number ***.Enclosed is a copy of Mr***'s Note which states "The Note may be prepaid in whole or in part uponthirty
(30) days prior written notice to the LenderIn the event of any prepayment of the Note at any timethrough June 1, (the "Prepayment Charge Expiration Date") whether by voluntary prepayment,acceleration or otherwise, the Borrower shall, at the option of the Lender, pay a "Prepayment Premium"equal to 3% of the principal amount so prepaidNo Prepayment Premium will be due Lender if (a) priorto the Prepayment Charge Expiration Date, a prepayment amount received plus all other prepaymentamounts received in the most recent months is not greater than 20% of the Principal Amount of theNote or (b) a prepayment is made in whole or in part after the Prepayment Charge Expiration Date."The copy of the Note was provided to Mr*** at closing and also another copy was sent to him in aletter dated advising him of the prepayment penaltiesOn Mr*** made a principalpayment of $28,without being assessed the penalty, under the terms of his original Note he is ableto make the next curtailment months from the date of the last curtailment provided it is not greater than20% of the Principal Amount of the Note without a penalty.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regards,
*** *** I never received letters, which my mailing address is correct, why didn't you try and call if you thought the address was wrong? You have my celnumber? Dont You? I talked to a replast week and he then told me all my mail came back to sender from P.O.! He was the only person to ever tell me this, everybody else just blames and insinuates!!!!!! He also told me I should go to bank and ask for a copy of check front and back and fax to seneca for proof and THEN they will ask *** *** for it! Of all the people I talked to, he was the only person that made sense and cared about my case, He told me straight, that he probably was the only person that I will talk to that cares!! I am collecting copies right now and will fax to seneca for-March,April,May. The months that are still missing
We are writing in response to the Revdex.com complaint number ***, filed on January20, 2017, by *** ***.After review of the loan, Seneca Mortgage Servicing LLC has determined in March 2016, it was concludedthat we did not have valid evidence of homeowner’s insurance for the property, and multiplecommunications were sent to Ms*** requesting an updated insurance policyWhen we did notreceive new evidence of insurance from Ms***, a lender placed insurance policy was instituted onthe property, and $5,was disbursed from escrow on May 10, as payment for that policy.Servicing of the loan transferred from Seneca to *** Mortgage, effective September 16, 2016.When the loan transferred, the lender placed insurance policy was still in effectIn November 2016, wereceived the proof of insurance that had been requested, and upon validation of the policy, the force placedinsurance was cancelled, and the new policy put into effectA full refund of the $5,that was paidfor the lender placed insurance was received by Seneca on November 15, The funds were thenforwarded to *** on November 17, In order to determine if *** correctly applied therefund to escrow, Ms*** will need to contact *** directly, as Seneca does not have access tothat information.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
We are writing in response to the Revdex.com complaint number *** filed on April 4,by *** *** ***.After review of Mr***' loan, Seneca Mortgage Servicing LLC has determined that we received fundsfrom him in the amount of $1,on 3/29/However, instead of
applying the full sum as a principalcurtailment as Mr*** had intended, the funds were divided up and applied in the following ways:$2,was applied as both the April and May monthly payments for a total of $4,447.46, withthe remaining $7,applied as principal curtailmentPer Mr***' request, we reversed thosetransactions, and applied the full $1,towards the principal balance of the loan on 3/31/Pleasebe advised that we have updated our records to ensure that in accordance with Mr***' wishes, anyadditional funds received outside of the regular monthly payment amount will be applied towards thereduction of the principal balance of the loan.Enclosed, please find a copy of Mr***' Seneca Mortgage Servicing LLC payment history, which willillustrate the above referenced transactions on his accountWe apologize for any inconvenience that thismay have caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:OO PM Eastern Time and Fridays from 8: AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear ***:We are writing in response to Revdex.com complaint *** regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 5/18/Please be advised that asSeneca Mortgage Servicing, LLC is the servicer of your loan, we are unable to
alter any of the terms ofyour original mortgageIf you are interested in changing the legal boundaries of your property you willhave to refinance your loan through a different company.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 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear ***,
October 30,
We are writing in response to your recent customer service inquiry regarding the above
referenced loan
Seneca Mortgage Servicing LLC has previously received and responded to *** ***
request on October 1,Enclosed is a copy of our previous response regarding Ms***
concerns on Credit Bureau Reporting and her monthly mortgage paymentsBased on Guaranteed
Rate, Inc.'s escrow analysis dated December 3, Ms*** payment was to increase as
of February 1,in the amount of $ 1,987.97, Seneca Mortgage Servicing LLC has
determined that her prior servicer Guaranteed Rate, INCwas erroneously accepting a lower
monthly payment of $ 1,Seneca's commenced servicing Ms*** loan on May I ,
Seneca however, cannot accept a lower mortgage payment based on the escrow analysis
Also enclosed is Seneca most recent payment history showing the September 12, mortgage
payment applied to the August 1, mortgage paymentTherefore Ms*** credit
reporting cannot be adjusted due to the loan was days delinquentAs of the date of this letter
there is $balance for late fees on the account
Seneca Mortgage Servicing LLC sincerely apologizes for any inconvenience that Ms***
may have experienced thus farSeneca strives to provide excellent customer service and we do
value our relationship with Ms***, and trust that her future dealings with Seneca Mortgage
Servicing LLC 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
See additional documentation attached
February 11,2015We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID ***After review of *** *** and *** ***'s account, lt has been determined that their loanwas transferred on April 1, from *** Central Loan
Administration & Reporting(***) to Seneca Mortgage Servicing LLCSeneca has reach out to Ms***'s priorcompany servicing ***, for copy of a marriage certificate; unfortunately *** wasunable to forward any information to Seneca regarding a marriage certificateTherefore, Senecamust go by the names originally listed on the NoteEnclosed is a copy of Ms***'s Note.Once Seneca receives a copy of Ms***'s marriage certificate we would be able to update oursystems accordingly.We sincerely apologize for any inconvenience Ms*** may have experienced thus farSenecastrives to provide excellent customer service and we do value our new relationship with her, andtrust that their future dealings with Seneca Mortgage Servicing LLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PMEastern Standard Time.Sincerely,Customer Service Department
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not
resolve my complaint. For your reference, details of the offer I reviewed appear below
You have transferred my loan with a $escrow shortage, which is simply an impossible amountYou have caused a lot of undue stress and an increased mortgage payment of over $per monthI have already been going through the trouble of working with the other company, but you did not do your due diligence to rectify this before transferring, as I requested many times during July and August when you were well aware of this problemYou are shifting the responsibility for your actions, and it is not *** who created this problem, it was Seneca Mortgage, which is why the complaint is against you
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID and have determined that this does not resolve my complaint.
For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]The issue is that they did transfer the loan to Nationstar! Seneca has kept my $and never ordered an appraisal! They told me they would now return the $to me, however; they will now not return my calls! This is fraud, misrepresentation and horrible customer service.*** has returned my calls, emails and addressed my concerns They have now started the process over and have been very helpful The issue is Seneca still has my $and did not complete their side of our agreement!
Regards,
*** ***
February 26,We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID ***Upon review of *** *** account it has been determined that her loan was in the process ofa Short Sale ReviewUnfortunately, the review was cancelled as the
required documents werenot returned on timeTherefore, if Ms*** would like to be reviewed for another short saleoffer, her Realtor would need to submit the necessary documents to Seneca.Seneca Mortgage Servicing LLC, sincerely apologize for any inconvenience Ms*** mayhave experienced thus farSeneca strives to provide excellent customer service and we do valueour relationship with her, and trust that their future dealings with Seneca Mortgage ServicingLLC will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Time and Fridays from 8:AM to 5:PMEastern 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 ***3, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***
Seneca failed to respond to the problem of reaching a live customer service representative through the automated call system. No email address listed on mortgage statement for communication.Also, the amount due is incorrect. Seneca disbursed $and received $2823.60, $and $for a balance of $1119.94, not $as stated in their responseSeneca did not address the fact their letter of 3-21-gave me days to respond. They gave me zero days before they set up the illegal escrow fund. This could've been resolved very easily without the fiasco they created
We are writing in response to Revdex.com complaint *** regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Mr*** Revdex.com complaint dated4/14/When Mr*** loan transferred to Seneca Mortgage Servicing LLC on *** the
taxinformation was incorrectly added into our systemThe property taxes were being collected at $permonth instead ofthe correct amount of$a monthWhen Mr*** escrow account wasanalyzed on 12/it was determined that this discrepancy caused a shortage in his escrow account inthe amount of $5,Normally this would be collected over months, but due to the circumstanceswe have spread the shortage over monthsEffective with the payment, Mr***monthly payment amount will be $2,and we will be unable to remove Mr*** escrowaccount at this time.On 3/28/16, we received Mr*** incomplete work out packageOn 3/29/a letter was mailedto him advising of the missing necessary documentsOn 4/14/we received a portion of thedocumentation needed, however we submitted a request with the investor as a courtesy to Mr***.After reviewing, the investor decided to decline the modification and a letter was sent to Mr***on 4/explaining the decisionA copy of that letter has been attached for Mr***' s reference.We 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 8:15AM to 5:00PM Eastern Time
Re: Loan Number: ***Case Number: *** ** ***
*** ** ***
*** *** ***
***, OR 97478-6752Dear ***:Seneca Mortgage Servicing LLC would like to apologize for the misinformation that was provided in theresponse sent to the Revdex.com on 12/23/The correct repayment amount is $which is due on01/15/16, 02/15/16, 03/15/and 04/15/We apologize for any inconvenience this may have causedto Mrand Mrs***.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