Revdex.com spoke with *** today and she stated the following:When the loan was transferred to us, the original note (loan) was under the name of *** *** Since we do not have documentation of the name change we have to default to the name the original loan was taken out under.We understand the customer's frustration, and have reached out to *** for the marriage certificate, however they were unable to provide this If she will provide this to us, we will change the name in our system
We are writing in response to the complaint filed by *** K *** on November 18,2015.After review of the loan, it has been determined that the servicing of the loan transferred to SenecaMortgage Servicing LLC from Academy Mortgage, effective When the loan transferred to Seneca,the loan
boarded with the monthly payment amount as with the prior servicer, which included collectionfor the Mr***'s Hcondominium unit insurance policy through escrowHowever, when the loanboarded Seneca's system, an internal error caused the Hpolicy to be recoded as a regular hazardinsurance policy, which is a non-escrowed itemPlease be advised that in spite of the erroneous recodingof the Hpolicy, the escrow collection for the policy continued through the September monthlypayment.Seneca conducted an analysis of the Mr***'s escrow account on Because the Hpolicywas coded as non-escrow, the collection for the policy was dropped from the monthly payment amount.As a result, effective with the payment, Mr***'s monthly payment amount decreased from$to $752.08, and there was a surplus of funds in the Mr***'s escrow account in the amountof $A refund check in this amount was sent to Mr*** on 5.In November 2015, Seneca received a bill for the borrower HpremiumOnce this bill was received,Seneca realized the error which caused the Hpolicy to be dropped from escrow and corrected itA newescrow analysis was conducted on 11/19/15, and the collection for the Hpolicy was added back toescrowFurthermore, it was determined that as the Mr*** had made three monthly payments(October, November, and December 2015) in the lower payment amount, there was a shortage in Mr.***'s escrow account in the amount of $In order to ease the payment burden, the escrowshortage is collected over the course of a month period, at a rate of $per month.As a result of the changes in the analysis, effective with the 1/1/payment, which is the next paymentfor which Mr*** is due, the new monthly payment amount will be $This total includes $35.17per month collection for the Hpolicy, as well as the $for the recollection of the shortage.Please be advised that Seneca Mortgage Servicing LLC disbursed $from the Mr, ***'s escrowaccount on 11/23/to pay the bill for the Hpremium which was dueThroughout the time that Senecahas been servicing Mr***'s loan, there was never a cancellation of insurance or a lapse in insurancecoverageMr***'s Hcoverage is current and the premium was paid on timeWe apologize forany inconvenience that this may have caused.Enclosed, please find copies of the previously referenced escrow analysis statements dated 10/2/and11/20/15, as well as a full copy of Mr***'s Seneca Mortgage Servicing LLC payment historyIf 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
September 16,
Seneca Mortgage Servicing LLC commenced servicing this mortgage loan on May 1, We
have also contacted Ms*** Assessor's Office and have confirmed a property address
changeWe have since updated our system to reflect Ms*** property address
referenced
aboveEnclosed is a copy of our letter to Ms*** dated September 5, confirming the
change of addressWe have also confirmed there was no lapse in Ms*** insurance cover
and on August 27, we sent an overnight payment in the amount of $1,to ***
***CompanyWe sincerely apologize for any inconvenience Ms*** *** may
have experienced thus farSeneca strives to provide excellent customer service and we do value
our new 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
To Whom It May Concern:June 22, 2016Seneca Mortgage Servicing LLC is in receipt of Ms***s complaint, dated June 21, Senecahas only reported two borrowers on this loan for credit reporting - Ms*** *** ***, and Ms.*** *** *** Both ofthe borrower's social security numbers were verified using the original loandocumentsAs of June 6, 2016, Seneca has reported this loan as "paid off'' to the credit bureaus and willno longer be reporting a status for this loanMs*** stated that Seneca is reporting on her mother'scredit bureau reportsSeneca has spoken with Ms*** on multiple occasions and has requested a copyof the credit reporting showing that we are reporting on a credit report that is not one of our borrowers.As of the date of this Jetter, Seneca bas not recejyed the supporting documentation forMs ***scomplaintSeneca cannot review the issue further until the supporting documentation substantiating Ms.***s complaint is receivedMs*** will need to send a copy of the inaccurate credit reportingto Seneca so that we can further research this issueSeneca sincerely apologizes for the inconveniencethis may cause.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 8:15AM to 5:00PM 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 ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Once again they have their information incorrectI am on modified payments and my payment should be It concerns me that they still can't get this rightThis tells me that once again when I make my payment in January they will once again refuse my payment because they can't get their records straightContinuing to decline payment on my mortgage and threatening me with foreclosure when I have made every attempt to pay on time and be up front with this companyHowever their poor record keeping has caused me undue stress and frustration
Regards,
*** ***
We are writing in response to the complaint filed by *** K *** on December 9,5.Please be advised that per the terms of the borrower's Note, which he signed at origination of the loan,payment due date is the St of each monthThere is a day payment grace period from the due date
inwhich payment may be made without incurring a late feeAny payments received outside that grace periodare subject to the assessment of a late charge equal to 5.00% of the overdue payment of principal andinterestEnclosed, please find a copy of the borrower's signed Note.In the borrower's complaint, he cites that he submitted his November payment on 11/12/15, whichwas a ThursdayAs November was a Sunday, Seneca will accept a payment on the next scheduledbusiness dayUnfortunately MrKelsey's payment arrived after Monday, November It is theresponsibility of the borrower to ensure that they submit their payment in a timely enough manner toguarantee that the payment will arrive prior to the imposition of late chargesPlease be aware that inaddition to regular mail, the borrower has other avenues to submit payments available to himPaymentsmay be made over the phone, or online by registering at our website ***,As this is the first late fee which has been assessed to the borrower since the servicing of the loantransferred to Seneca, we are waiving the $late fee in question from the borrower's account as aone-time courtesyPlease be aware that should any further late charges be assessed to the borrower, wewill be unable to waive them.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:*** *** *** *** *** *** ** ***, CO Phone number: ###-###-####-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 of HUD-approved counseling agencies, please call###-###-#### or visit ***Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for thatpurposeWe may report information about your account to credit bureausLate payments, missed payments, orother defaults on your account may be reflected in your credit reportIf you have received a discharge from thebankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance andinformational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage toforeclose on the property
Please be advised that on 4/29/*** *** contacted Seneca Mortgage Servicing LLC and spoke with a representative in regards to her concernsMs*** was advised of the outcome of her prior escalated complaint, that hazard insurance will be escrowed for the life of the loan per her loan origination documentation, and was provided the number for the insurance departmentIt appears that Ms***’s concerns were addressed appropriately and the call ended on satisfactory terms Attached hereto please find both of Seneca’s prior written responses to Ms***
Dear Mortgagor(s):We are writing in response to your Revdex.com Complaint ID ***.March 26, 2015We are in receipt of your letter dated 3/17/Please be advised that the Borrower's County Taxes wereoriginally disbursed on 12/29/in the amount of $2,The funds were not
received by the Countyso a stop was placed on the check and a replacement check was disbursed on 3/9/Additionally, perthe terms of the original signed note, *** *** has been added as an obligated borrower.We apologize for any inconvenience this may have caused.Ifwe 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
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.I have emailed and faxed Seneca proof that insurance, tax had in fact been paid in fullSo, again no need for them to create an escrow account that I neither asked for or approved.
Regards,
*** ***
Dear ***:After review of Mr*** *** loan, Seneca Mortgage Servicing LLC has determined that Mr.*** loan was transferred to Seneca from Stearns Lending, LLC effective February 2, Asstated on the Welcome Letter dated 1/27/2015, under the section Setting Up Online Payments,
“Yourloan information and payment options will be available to view online three-to-five business days afterthe loan transfer date from your current servicer.”Our records indicate that Mr*** was able to register with Seneca’s Customer Connection on2/13/On that same day, Mr*** set up a one-time payment in the amount of $1,whichwas subsequently drafted and applied as the February paymentAdditionally, please be aware thatMr*** registered for automatic drafting beginning with the March 1, monthly payment,which was drafted and applied to his account on 3/01/2015.Enclosed please find a copy of Mr*** Seneca Welcome Letter.Seneca sincerely apologizes for any inconvenience Mr*** may have experienced thus farSenecastrives to provide excellent customer service and we do value our new relationship with Mr***,and trust that his future dealings with Seneca Mortgage Servicing will be more positiveIf 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
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,
*** ***
We are writing in response to Revdex.com complaint regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 8/28/Please be advised that whenMr***’s loan transferred to Seneca Mortgage Servicing LLC we did not have evidence of
anactive insurance policy for his loanAfter receiving proof of insurance, a full refund of Lender PlacedInsurance was received on 6/15/in the amount of $456.00.When Mr***’s escrow account was analyzed on 6/26/it was determined that there was ashortage of $672.84, which we will collect over monthsWhen the loan was originated, funds werecollected for the first escrow disbursement to be the school taxes in September, However, we hadto pay his City taxes in April, 2015, which were not collected for at closingThis caused the escrowshortage in Mr***’s account, resulting in the increased monthly payment we are currentlycollecting forRESPA/Federal law allows lenders to maintain a month reserve in his escrow account.If his state law or mortgage contract require a lower reserve, we will honor itThis reserve is establishedto cover unanticipated increases in his property taxes, insurance and other escrow amounts.As Mr***’s loan was originated with an escrow account for both insurance and taxes, the escrowaccount will remain in place for the life of the loanWe have attached a copy of Mr***’s HUD-1and Initial Escrow Statement for his 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:AM to 5:PM Eastern Time
Re: Loan Number: ***Case Number: *** ** ***
*** ** ***
*** *** ***Springfield, OR 97478-6752Dear ***:We are writing in response to the Revdex.com complaint number *** filed by *** on December 11, 2015.Seneca Mortgage Servicing LLC
confirms that the forbearance plan that Mrand Mrs*** were onhas been reset according to the terms agreed upon in their conversation on 12/11/with Erik L***Asof the date of this letter the next payment due on the ***’s plan is $1,due 01/15/16.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:*** *** *** ** *** *** *** ** *** CO Phone number: ###-###-####-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 of HUD-approved counseling agencies, please call###-###-#### or visit www.hud.gov.Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for thatpurposeWe may report information about your account to credit bureausLate payments, missed payments, orother defaults on your account may be reflected in your credit reportIf you have received a discharge from thebankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance andinformational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage toforeclose on the property
We are in receipt of Better Business Complaint no*** dated 10/26/15.Ms*** took out the mortgage loan in her maiden name, but purchased her homeowners insurancepolicy in her married nameAs these names did not match, Seneca required Ms*** to either changeher name on the insurance
policy or purchase new insuranceSeneca Mortgage Servicing LLC confirmsthe subsequent receipt of Ms***' marriage license on 10/29/15, which allowed us to update her nameon our system to match her homeowners insurance policyA refund request has been submitted andreceived for the full amount of the Lender Placed Insurance policyPresently Ms***' loan is showingdue for the 12/01/payment in the amount of $1,We have enclosed a copy of her payment historyfor her records.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
Loan Number: ***7*** ***
*** ** *** * *** ***North Myrtle Beach, SC 29582Dear ***:We are writing in response to Revdex.com inquiry regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated
1/13/Please be advised that in order to maintain the security of borrower information, Seneca does not email payoff statementsHowever, the statements are made readily available to the customer via online access to their Seneca account through our Customer Care Network (CCN)The *** payoff request was received on 1/7/and was available for viewing the same dayOur records indicate a Seneca representative spoke with Mr*** on 1/13/and advised him of our policy regarding payoff statements and the borrower was able to obtain the statement through CCN on 1/13/16.We apologize for any inconvenience this may have caused Mrand Mrs***.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage Servicing LLC:*** *** *** ** *** *** *** ** *** ** *** *** *** ***-Important Message for Homeownership Counseling Only-The U.SDepartment of Housing and Urban Development (HUD) sponsors housing counseling agencies designed to help homeowners avoid losing their homesTo obtain a list of HUD-approved counseling agencies, please call ###-###-#### or visit www.hud.gov.Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for that purposeWe may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportIf you have received a discharge from the bankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance and informational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage to foreclose on the property
Dear [redacted]:We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 6/24/15. When your account wasupdated with your new banking information, an error occurred which caused the...
effective dates of yourbi-weekly payment to not start until 7/3/15. Since you were already on a bi-weekly ACH schedule, thischange caused your payment drafts to cease until the new due date. Your loan is currently due for8/1/15, set to draft the next payment on 7/31/15 in the amount of $742.17.Please be advised that all late fees have been waived and no negative credit marks have been reported.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 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
We are writing in response to Revdex.com inquiry [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated 1/6/15. We have reviewed Ms. [redacted]’s account and can provide the following information. As we stated in the letter mailed to Ms. [redacted] both on 12/18/15 and 12/31/15, we confirmed with [redacted] that her account was NOT on an Equity Accelerator Program. Therefore, the funds were not applied as regular monthly payments but were placed in suspense until the full payment amount had been received. Ms. [redacted] references a payment in the amount of $1,166.40 made by [redacted]. The funds received on 10/6/15 in the amount of $1,166.40 was not a payment for the month of November but was the escrow balance of $466.40 and the suspense balance of $700.00 being transferred from [redacted].As stated in the letter dated 12/31/15, as a courtesy we have waived Ms. [redacted]’s late fee balance and updated her negative credit mark to report as current. We have attached a payment history for your reference. If Ms. [redacted] believes that a payment was made but is not reflected on the payment history, please have Ms. [redacted] send in a copy of the cancelled check and we can research it. Please note we have attempted to contact Ms. [redacted] multiple times to discuss the issue but none of the messages left have been returned.We apologize for any inconvenience this may have caused Ms. [redacted].If we can be of further assistance, please call us at [redacted], Monday through Thursday from 8:15 AM to 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 PM Eastern Time.Sincerely,Customer Service Department
Re: Loan Number: [redacted]Complaint ID: [redacted] 19123We are in receipt of Revdex.com complaint number [redacted] regarding [redacted]Seneca Mortgage Servicing LLC commenced servicing Mr....
[redacted]s loan effective02/21/2015. A payment was made for taxes in the incorrect amount of $3,382.82. Seneca has advancedthe refund back into Mr. [redacted]’s loan in the amount of $2,989.17. His monthly payment hasbeen adjusted and his loan is currently showing due for the 01/01/16 payment in the amount of $1,748.85.Seneca would like to thank Mr. [redacted] for his continued patience in this matter. We sincerelyapologize for any inconvenience he may have experienced thus far. Seneca strives to provide excellentcustomer service. We value our relationship with him and trust that his future dealings with SenecaMortgage Servicing will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:00 PM Eastern Standard Time and Fridays from 8:15 AM to 5:00 PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Re: Loan Number: [redacted]Case Number: [redacted]Trust of [redacted] & [redacted]San Marcos, CA 92078We are writing in response to complaint filed by [redacted] on 2/8/16.After review of Mr. [redacted]’s loan, Seneca Mortgage Servicing LLC determined that we...
made anerroneous payment in the amount of $4,501.45 for Mr. [redacted]’s November 2015 tax bill on 11/16/15.Please be advised that we have received a refund of that payment from San Diego County, and have sentcheck# 452495 in the amount of $4,501.45 to Mr. [redacted] to reimburse him for those funds. The checkwas sent to Mr. [redacted] on 2/12/16 via [redacted], on tracking number [redacted] A copy of this check,along with the letter that accompanied it are enclosed for reference. We sincerely apologize for anyinconvenience that this may have caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
On 2/11/15 I contacted Seneca requesting my General Warranty Deed since I had already paid my mortgage in full. [redacted] replied to me stating it would take from 30 to 45 days. Please see attached document. The responce from Seneca states, "When you paid off your loan, we filed a release of lien...Attached is a copy..." I paid my mortgage before 02/11/15; the release of lien was filed on 04/24/15 and I am not in receipt of the original. Also, Seneca's response states that "The General Warranty Deed is something that you [I] would have received from the seller when you [I] purchased the property." The fact is that I did not purchase the property from a "seller". I built this house using a construction loan from a local bank who sold the account to a mortgage company. In turn that mortgage company sold the loan to Seneca. The fact is that Seneca has inherited all the original responsibilities inherent to the original construction loan. I, on the other, hand have complied with the responsibility of paying the loan in full and now Seneca is last in line as mortgage holder. Please see attached document verifying I was supposed to get GWD from Seneca withing 45 days from 02/11/15.
Regards,
[redacted]
Revdex.com spoke with *** today and she stated the following:When the loan was transferred to us, the original note (loan) was under the name of *** *** Since we do not have documentation of the name change we have to default to the name the original loan was taken out under.We understand the customer's frustration, and have reached out to *** for the marriage certificate, however they were unable to provide this If she will provide this to us, we will change the name in our system
We are writing in response to the complaint filed by *** K *** on November 18,2015.After review of the loan, it has been determined that the servicing of the loan transferred to SenecaMortgage Servicing LLC from Academy Mortgage, effective When the loan transferred to Seneca,the loan
boarded with the monthly payment amount as with the prior servicer, which included collectionfor the Mr***'s Hcondominium unit insurance policy through escrowHowever, when the loanboarded Seneca's system, an internal error caused the Hpolicy to be recoded as a regular hazardinsurance policy, which is a non-escrowed itemPlease be advised that in spite of the erroneous recodingof the Hpolicy, the escrow collection for the policy continued through the September monthlypayment.Seneca conducted an analysis of the Mr***'s escrow account on Because the Hpolicywas coded as non-escrow, the collection for the policy was dropped from the monthly payment amount.As a result, effective with the payment, Mr***'s monthly payment amount decreased from$to $752.08, and there was a surplus of funds in the Mr***'s escrow account in the amountof $A refund check in this amount was sent to Mr*** on 5.In November 2015, Seneca received a bill for the borrower HpremiumOnce this bill was received,Seneca realized the error which caused the Hpolicy to be dropped from escrow and corrected itA newescrow analysis was conducted on 11/19/15, and the collection for the Hpolicy was added back toescrowFurthermore, it was determined that as the Mr*** had made three monthly payments(October, November, and December 2015) in the lower payment amount, there was a shortage in Mr.***'s escrow account in the amount of $In order to ease the payment burden, the escrowshortage is collected over the course of a month period, at a rate of $per month.As a result of the changes in the analysis, effective with the 1/1/payment, which is the next paymentfor which Mr*** is due, the new monthly payment amount will be $This total includes $35.17per month collection for the Hpolicy, as well as the $for the recollection of the shortage.Please be advised that Seneca Mortgage Servicing LLC disbursed $from the Mr, ***'s escrowaccount on 11/23/to pay the bill for the Hpremium which was dueThroughout the time that Senecahas been servicing Mr***'s loan, there was never a cancellation of insurance or a lapse in insurancecoverageMr***'s Hcoverage is current and the premium was paid on timeWe apologize forany inconvenience that this may have caused.Enclosed, please find copies of the previously referenced escrow analysis statements dated 10/2/and11/20/15, as well as a full copy of Mr***'s Seneca Mortgage Servicing LLC payment historyIf 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
September 16,
Seneca Mortgage Servicing LLC commenced servicing this mortgage loan on May 1, We
have also contacted Ms*** Assessor's Office and have confirmed a property address
changeWe have since updated our system to reflect Ms*** property address
referenced
aboveEnclosed is a copy of our letter to Ms*** dated September 5, confirming the
change of addressWe have also confirmed there was no lapse in Ms*** insurance cover
and on August 27, we sent an overnight payment in the amount of $1,to ***
***CompanyWe sincerely apologize for any inconvenience Ms*** *** may
have experienced thus farSeneca strives to provide excellent customer service and we do value
our new 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
To Whom It May Concern:June 22, 2016Seneca Mortgage Servicing LLC is in receipt of Ms***s complaint, dated June 21, Senecahas only reported two borrowers on this loan for credit reporting - Ms*** *** ***, and Ms.*** *** *** Both ofthe borrower's social security numbers were verified using the original loandocumentsAs of June 6, 2016, Seneca has reported this loan as "paid off'' to the credit bureaus and willno longer be reporting a status for this loanMs*** stated that Seneca is reporting on her mother'scredit bureau reportsSeneca has spoken with Ms*** on multiple occasions and has requested a copyof the credit reporting showing that we are reporting on a credit report that is not one of our borrowers.As of the date of this Jetter, Seneca bas not recejyed the supporting documentation forMs ***scomplaintSeneca cannot review the issue further until the supporting documentation substantiating Ms.***s complaint is receivedMs*** will need to send a copy of the inaccurate credit reportingto Seneca so that we can further research this issueSeneca sincerely apologizes for the inconveniencethis may cause.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 8:15AM to 5:00PM 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 ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Once again they have their information incorrectI am on modified payments and my payment should be It concerns me that they still can't get this rightThis tells me that once again when I make my payment in January they will once again refuse my payment because they can't get their records straightContinuing to decline payment on my mortgage and threatening me with foreclosure when I have made every attempt to pay on time and be up front with this companyHowever their poor record keeping has caused me undue stress and frustration
Regards,
*** ***
We are writing in response to the complaint filed by *** K *** on December 9,5.Please be advised that per the terms of the borrower's Note, which he signed at origination of the loan,payment due date is the St of each monthThere is a day payment grace period from the due date
inwhich payment may be made without incurring a late feeAny payments received outside that grace periodare subject to the assessment of a late charge equal to 5.00% of the overdue payment of principal andinterestEnclosed, please find a copy of the borrower's signed Note.In the borrower's complaint, he cites that he submitted his November payment on 11/12/15, whichwas a ThursdayAs November was a Sunday, Seneca will accept a payment on the next scheduledbusiness dayUnfortunately MrKelsey's payment arrived after Monday, November It is theresponsibility of the borrower to ensure that they submit their payment in a timely enough manner toguarantee that the payment will arrive prior to the imposition of late chargesPlease be aware that inaddition to regular mail, the borrower has other avenues to submit payments available to himPaymentsmay be made over the phone, or online by registering at our website ***,As this is the first late fee which has been assessed to the borrower since the servicing of the loantransferred to Seneca, we are waiving the $late fee in question from the borrower's account as aone-time courtesyPlease be aware that should any further late charges be assessed to the borrower, wewill be unable to waive them.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:*** *** *** *** *** *** ** ***, CO Phone number: ###-###-####-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 of HUD-approved counseling agencies, please call###-###-#### or visit ***Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for thatpurposeWe may report information about your account to credit bureausLate payments, missed payments, orother defaults on your account may be reflected in your credit reportIf you have received a discharge from thebankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance andinformational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage toforeclose on the property
Please be advised that on 4/29/*** *** contacted Seneca Mortgage Servicing LLC and spoke with a representative in regards to her concernsMs*** was advised of the outcome of her prior escalated complaint, that hazard insurance will be escrowed for the life of the loan per her loan origination documentation, and was provided the number for the insurance departmentIt appears that Ms***’s concerns were addressed appropriately and the call ended on satisfactory terms Attached hereto please find both of Seneca’s prior written responses to Ms***
Dear Mortgagor(s):We are writing in response to your Revdex.com Complaint ID ***.March 26, 2015We are in receipt of your letter dated 3/17/Please be advised that the Borrower's County Taxes wereoriginally disbursed on 12/29/in the amount of $2,The funds were not
received by the Countyso a stop was placed on the check and a replacement check was disbursed on 3/9/Additionally, perthe terms of the original signed note, *** *** has been added as an obligated borrower.We apologize for any inconvenience this may have caused.Ifwe 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
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.I have emailed and faxed Seneca proof that insurance, tax had in fact been paid in fullSo, again no need for them to create an escrow account that I neither asked for or approved.
Regards,
*** ***
Dear ***:After review of Mr*** *** loan, Seneca Mortgage Servicing LLC has determined that Mr.*** loan was transferred to Seneca from Stearns Lending, LLC effective February 2, Asstated on the Welcome Letter dated 1/27/2015, under the section Setting Up Online Payments,
“Yourloan information and payment options will be available to view online three-to-five business days afterthe loan transfer date from your current servicer.”Our records indicate that Mr*** was able to register with Seneca’s Customer Connection on2/13/On that same day, Mr*** set up a one-time payment in the amount of $1,whichwas subsequently drafted and applied as the February paymentAdditionally, please be aware thatMr*** registered for automatic drafting beginning with the March 1, monthly payment,which was drafted and applied to his account on 3/01/2015.Enclosed please find a copy of Mr*** Seneca Welcome Letter.Seneca sincerely apologizes for any inconvenience Mr*** may have experienced thus farSenecastrives to provide excellent customer service and we do value our new relationship with Mr***,and trust that his future dealings with Seneca Mortgage Servicing will be more positiveIf 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
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,
*** ***
We are writing in response to Revdex.com complaint regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 8/28/Please be advised that whenMr***’s loan transferred to Seneca Mortgage Servicing LLC we did not have evidence of
anactive insurance policy for his loanAfter receiving proof of insurance, a full refund of Lender PlacedInsurance was received on 6/15/in the amount of $456.00.When Mr***’s escrow account was analyzed on 6/26/it was determined that there was ashortage of $672.84, which we will collect over monthsWhen the loan was originated, funds werecollected for the first escrow disbursement to be the school taxes in September, However, we hadto pay his City taxes in April, 2015, which were not collected for at closingThis caused the escrowshortage in Mr***’s account, resulting in the increased monthly payment we are currentlycollecting forRESPA/Federal law allows lenders to maintain a month reserve in his escrow account.If his state law or mortgage contract require a lower reserve, we will honor itThis reserve is establishedto cover unanticipated increases in his property taxes, insurance and other escrow amounts.As Mr***’s loan was originated with an escrow account for both insurance and taxes, the escrowaccount will remain in place for the life of the loanWe have attached a copy of Mr***’s HUD-1and Initial Escrow Statement for his 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:AM to 5:PM Eastern Time
Re: Loan Number: ***Case Number: *** ** ***
*** ** ***
*** *** ***Springfield, OR 97478-6752Dear ***:We are writing in response to the Revdex.com complaint number *** filed by *** on December 11, 2015.Seneca Mortgage Servicing LLC
confirms that the forbearance plan that Mrand Mrs*** were onhas been reset according to the terms agreed upon in their conversation on 12/11/with Erik L***Asof the date of this letter the next payment due on the ***’s plan is $1,due 01/15/16.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage ServicingLLC:*** *** *** ** *** *** *** ** *** CO Phone number: ###-###-####-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 of HUD-approved counseling agencies, please call###-###-#### or visit www.hud.gov.Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for thatpurposeWe may report information about your account to credit bureausLate payments, missed payments, orother defaults on your account may be reflected in your credit reportIf you have received a discharge from thebankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance andinformational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage toforeclose on the property
We are in receipt of Better Business Complaint no*** dated 10/26/15.Ms*** took out the mortgage loan in her maiden name, but purchased her homeowners insurancepolicy in her married nameAs these names did not match, Seneca required Ms*** to either changeher name on the insurance
policy or purchase new insuranceSeneca Mortgage Servicing LLC confirmsthe subsequent receipt of Ms***' marriage license on 10/29/15, which allowed us to update her nameon our system to match her homeowners insurance policyA refund request has been submitted andreceived for the full amount of the Lender Placed Insurance policyPresently Ms***' loan is showingdue for the 12/01/payment in the amount of $1,We have enclosed a copy of her payment historyfor her records.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
Loan Number: ***7*** ***
*** ** *** * *** ***North Myrtle Beach, SC 29582Dear ***:We are writing in response to Revdex.com inquiry regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated
1/13/Please be advised that in order to maintain the security of borrower information, Seneca does not email payoff statementsHowever, the statements are made readily available to the customer via online access to their Seneca account through our Customer Care Network (CCN)The *** payoff request was received on 1/7/and was available for viewing the same dayOur records indicate a Seneca representative spoke with Mr*** on 1/13/and advised him of our policy regarding payoff statements and the borrower was able to obtain the statement through CCN on 1/13/16.We apologize for any inconvenience this may have caused Mrand Mrs***.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-Important Message for Colorado Residents Only-You also have the option of contacting an in-state representative working on behalf of Seneca Mortgage Servicing LLC:*** *** *** ** *** *** *** ** *** ** *** *** *** ***-Important Message for Homeownership Counseling Only-The U.SDepartment of Housing and Urban Development (HUD) sponsors housing counseling agencies designed to help homeowners avoid losing their homesTo obtain a list of HUD-approved counseling agencies, please call ###-###-#### or visit www.hud.gov.Seneca Mortgage Servicing LLC is attempting to collect a debt and any information obtained will be used for that purposeWe may report information about your account to credit bureausLate payments, missed payments, or other defaults on your account may be reflected in your credit reportIf you have received a discharge from the bankruptcy court, you are not personally liable for payment of the loan and this notice is for compliance and informational purposes onlyHowever, Seneca Mortgage Servicing LLC still has the right under the mortgage to foreclose on the property
Dear [redacted]:We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of your Revdex.com complaint dated 6/24/15. When your account wasupdated with your new banking information, an error occurred which caused the...
effective dates of yourbi-weekly payment to not start until 7/3/15. Since you were already on a bi-weekly ACH schedule, thischange caused your payment drafts to cease until the new due date. Your loan is currently due for8/1/15, set to draft the next payment on 7/31/15 in the amount of $742.17.Please be advised that all late fees have been waived and no negative credit marks have been reported.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 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
We are writing in response to Revdex.com inquiry [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your Revdex.com inquiry dated 1/6/15. We have reviewed Ms. [redacted]’s account and can provide the following information. As we stated in the letter mailed to Ms. [redacted] both on 12/18/15 and 12/31/15, we confirmed with [redacted] that her account was NOT on an Equity Accelerator Program. Therefore, the funds were not applied as regular monthly payments but were placed in suspense until the full payment amount had been received. Ms. [redacted] references a payment in the amount of $1,166.40 made by [redacted]. The funds received on 10/6/15 in the amount of $1,166.40 was not a payment for the month of November but was the escrow balance of $466.40 and the suspense balance of $700.00 being transferred from [redacted].As stated in the letter dated 12/31/15, as a courtesy we have waived Ms. [redacted]’s late fee balance and updated her negative credit mark to report as current. We have attached a payment history for your reference. If Ms. [redacted] believes that a payment was made but is not reflected on the payment history, please have Ms. [redacted] send in a copy of the cancelled check and we can research it. Please note we have attempted to contact Ms. [redacted] multiple times to discuss the issue but none of the messages left have been returned.We apologize for any inconvenience this may have caused Ms. [redacted].If we can be of further assistance, please call us at [redacted], Monday through Thursday from 8:15 AM to 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 PM Eastern Time.Sincerely,Customer Service Department
Re: Loan Number: [redacted]Complaint ID: [redacted] 19123We are in receipt of Revdex.com complaint number [redacted] regarding [redacted]Seneca Mortgage Servicing LLC commenced servicing Mr....
[redacted]s loan effective02/21/2015. A payment was made for taxes in the incorrect amount of $3,382.82. Seneca has advancedthe refund back into Mr. [redacted]’s loan in the amount of $2,989.17. His monthly payment hasbeen adjusted and his loan is currently showing due for the 01/01/16 payment in the amount of $1,748.85.Seneca would like to thank Mr. [redacted] for his continued patience in this matter. We sincerelyapologize for any inconvenience he may have experienced thus far. Seneca strives to provide excellentcustomer service. We value our relationship with him and trust that his future dealings with SenecaMortgage Servicing will be more positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:00 PM Eastern Standard Time and Fridays from 8:15 AM to 5:00 PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Re: Loan Number: [redacted]Case Number: [redacted]Trust of [redacted] & [redacted]San Marcos, CA 92078We are writing in response to complaint filed by [redacted] on 2/8/16.After review of Mr. [redacted]’s loan, Seneca Mortgage Servicing LLC determined that we...
made anerroneous payment in the amount of $4,501.45 for Mr. [redacted]’s November 2015 tax bill on 11/16/15.Please be advised that we have received a refund of that payment from San Diego County, and have sentcheck# 452495 in the amount of $4,501.45 to Mr. [redacted] to reimburse him for those funds. The checkwas sent to Mr. [redacted] on 2/12/16 via [redacted], on tracking number [redacted] A copy of this check,along with the letter that accompanied it are enclosed for reference. We sincerely apologize for anyinconvenience that this may have caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:00 PM Eastern Time and Fridays from 8:15 AM to 5:00 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 [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
On 2/11/15 I contacted Seneca requesting my General Warranty Deed since I had already paid my mortgage in full. [redacted] replied to me stating it would take from 30 to 45 days. Please see attached document. The responce from Seneca states, "When you paid off your loan, we filed a release of lien...Attached is a copy..." I paid my mortgage before 02/11/15; the release of lien was filed on 04/24/15 and I am not in receipt of the original. Also, Seneca's response states that "The General Warranty Deed is something that you [I] would have received from the seller when you [I] purchased the property." The fact is that I did not purchase the property from a "seller". I built this house using a construction loan from a local bank who sold the account to a mortgage company. In turn that mortgage company sold the loan to Seneca. The fact is that Seneca has inherited all the original responsibilities inherent to the original construction loan. I, on the other, hand have complied with the responsibility of paying the loan in full and now Seneca is last in line as mortgage holder. Please see attached document verifying I was supposed to get GWD from Seneca withing 45 days from 02/11/15.
Regards,
[redacted]