Seneca Mortgage Servicing LLC has completed a careful review of your loan and your request to reviewpayments that have been received and posted for your loan. At this time, our bill processing vendordenies that the package was received. Please place a stop payment on your check and contact Seneca...
atthe number below to make your payment as needed. Any stop payment fees assessed by your bank willbe reimbursed by Seneca. Please contact the Post Office directly and open a claim on this paymentpackage as any additional information will help in further understanding why the bill payment vendorcannot locate their package. We apologize for any inconvenience this may have caused.
The requested documentation has been sent several times to the borrower -- most recently on December 29, 2016 as per Fed Ex tracking # [redacted]. As per the tracking number, the documents were delivered on January 3, 2017.The requested documentation is also attached. Thank...
October 8, 2014
After review of [redacted] and [redacted] loan, Seneca Mortgage Servicing LLC recognizes that
taxes were not paid in a timely manner. Seneca has since corrected thi s elTor, and the taxes were
disbursed from Mr. and Mrs. [redacted] escrow account, in the amount of $3,972.66 on...
10101 /2014.
Additionally, please be advised that Mr. and Mrs. [redacted] will not be held liable for any penalties or
interest. Enclosed please find a copy of Mr. and Mrs. [redacted] Seneca payment hi story.
We sincerely apologize for any inconvenience Mr. and Mrs. [redacted] may have experienced thus far.
Seneca strives to provide excellent customer service and we do value our relationship with you, and trust
that your future dealings with Seneca Mortgage Servicing will be more positive
If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15
AM to 10:00 PM Eastern Standard Time and Fridays from 8:1 5 AM to 5:00 PM Eastern Standard Time.
Sincerely,
Customer Service Department
Seneca Mortgage Servicing LLC
Seneca Mortgage Servicing has further reviewed this matter and stands by its initial findings and response. [redacted] Mortgage Company, LLC, originated this mortgage in August 2015, which in turn resulted in the first mortgage payment being due October 1, 2015. Bank South Mortgage, as the originator - paid 2014 taxes as part of the new loan closing process, resulting in the next installment being due and payable as of October 2015. SMS acquired the servicing of this mortgage loan from [redacted] Mortgage Company, LLC in January 2016. The servicing was later transferred to [redacted] Mortgage as of 09/2016, prior to the City, State and county tax due-dates. [redacted] in turn remitted the required 2015 tax payments, which resulted in an escrow shortage. [redacted]’s review and findings mirror those of Seneca Mortgage as the issue is the direct result of [redacted] Mortgage Company’s origination data/processing - which the mortgagor herself references in her comments (“This was an investment property so homestead did not apply…”). As it stands today, [redacted] has worked diligently with the mortgagor to address the escrow shortage and has offered a positive solution whereby the escrow shortage would be spread over 99 months. We encourage the mortgagor to continue working with [redacted] in regard to this matter and if deemed warranted, further contact [redacted] Mortgage Company in regard to any origination related questions or concerns.
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.IT IS UNACCEPTABLE FOR SENECA TO SAY THAT THEY ARE NO LONGER ARE SERVICING MY MORTGAGE, AS THE NEW MORTGAGE COMPANY, [redacted], CANNOT GO BACK AND ENTER PROOF OF MY HOMEOWNER'S INSURANCE SINCE MAY OF 2015, AND BECAUSE ONLY SENECA CAN MAKE THE ADJUSTMENT. I HAVE ALSO FILED A COMPLAINT WITH THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, AS SENECA IS REQUIRED TO CANCEL LENDER-BASED INSURANCE THEY PLACE WHEN PROVIDED WITH PROOF OF CONTINUOUS COVERAGE, WHICH I HAVE BEEN TRYING TO DO AND THEY HAVE CONSISTENTLY IGNORED. JUST TODAY, SENECA CONTACTED MY OFFICE AND ASKED ME TO "REFAX THE DECLARATIONS PAGE" FOR THE 2016 TO 2017 POLICY, AS IT IS "HARD TO READ." SENECA IS GIVING EVERYONE THE RUN-AROUND. WHY ARE THEY TELLING YOU THEY ARE NO LONGER THE POLICY HOLDER, AND TELLING ME TODAY TO RESEND THE POLICY? SENECA IS MANIPULATING THE MORTGAGE SYSTEM BY REFUSING TO ACCEPT PROOF OF MY PRIVATE HOMEOWNERS INSURANCE POLICY, CHARGING ME $3,264.00 IN FALSE CHARGES, THEN IMMEDIATELY AND CONVENIENTLY SELLING MY MORTGAGE TO ANOTHER LENDER, STICKING THEM WITH THE PROBLEM, AND REFUSING TO COOPERATE. SEE THE LETTER ABOVE I RECENTLY ALSO SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AND PROOF OF MY CONTINOUS COVERAGE ABOVE. BECAUSE OF SENECA'S FRAUD, I HAVE BEEN OVERCHARGE ANOTHER $3,264.OO BY [redacted] FOR THE FALSE POLICY THAT SENECA PLACED, AT A TOTAL LOSS TO ME OF $6500. SENECA IS SCAMMING THE MORTGAGE INDUSTRY MUCH THE SAME WAY WELLS FARGO DID WITH ITS FALSE ACCOUNTS AND IT SHOULD NOT BE ACCEPTED OR TOLERATED. PLEASE DO NOT LET THIS MORTGAGE COMPANY MANIPULATE THE SYSTEM AND HOMEOWNERS LIKE MYSELF. THEY HAVE CAUSED ME TO LOSE $6500 IN 4 MONTHS, AND IT IS OUTRAGEOUS. A MORTAGE COMPANY SHOULD NOT BE ALLOWED TO IGNORE PROOF OF PRIVATE HOMEOWNERS INSURANCE, CHARGE SOMEONE $3200 FOR A POLICY THEY DON'T NEED, THEN QUICKLY SELL IT TO AN INNOCENT MORTGAGE COMPANY LIKE [redacted], AND LEAVE THEM WITH THE MESS. SENECA HAS TO ADDRESS THIS ISSUE, AS I'M CERTAIN IT HASN'T ONLY HAPPENED TO ME! PLEASE HELP.
Regards,
[redacted]
Seneca Mortgage Servicing LLC has completed our research attached is our response letter. Thank you 03/12/2015Dear [redacted]:We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted].Seneca Mortgage Servicing LLC acknowledges that the...
refund check that was sent to [redacted] and [redacted] had a stop payment erroneously placed on it. We have since reissued thecheck to Mr. & Mrs. [redacted] along with an apology letter for the inconvenience this issue has caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:00 PM Eastern Standard Time and Fridays from 8:15 AM to 5:00 PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
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.Seneca's responses added that they could not continue to investigate without "more information," presumably with respect to the missing payment. I received a called this afternoon from Seneca and the check (dated 31Mar) had officially been located. I would like to know if the payment had been on Seneca's premises on or around the 31Mar date, or if there was an issue with the courier. If this had been received in a reasonable time, I call into question Seneca's accounts receivable functions especially since they are managing huge sums of money. I would also like to know why BoA needs to send mailed checks instead of electing for an electronic transfer, which, in theory, would have avoided this problem.
Regards,
[redacted]
We are writing in response to your recent customer service inquiry regarding the above referenced loan. Seneca Mortgage Servicing LLC has completed a careful review of yourloan and your request for additional information regarding your loan.As per your request, Seneca has paid the back taxes for...
your propertyand will include them in your escrow account going forward. Beginning with your December 1, 2016 monthly payment, your regular monthly payment amount will be $3,205.82. An updated escrow analysis will be sent to you under separate cover.Please find enclosed a copy of the requested insurance and corporate advance invoices which detail the fees listed on the reinstatement letter. We apologize for any inconvenience this may have caused.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Ms. [redacted] Revdex.com complaint dated5/9/16 and can offer the following information. Seneca responded to Ms. [redacted] letter dated...
3/13/16regarding this issue in our letter dated 4/4/16. Our letter explained that Ms. [redacted] 8/1115 and 9/1115regular monthly payments were not received on time, therefore were reported as such to the creditreporting agencies by Seneca. Our research determined that we have correctly reported this account tothe credit bureaus and no changes needed to be made. We have attached a copy of Ms. [redacted] letterdated 3/13/16 and our response dated 4/4/16 which details our findings for your reference.Ifwe can be of further assistance, please call us at (866) 919-5608, Monday through Thursday from 8:15AM to 10:00 PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern Time.
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.
Same excuse every time! For 1, I never received any emails from Seneca, the only one I ever got is from April 28 from Eric L[redacted] showing me the payments I sent to [redacted], so don't lie!!! 2, I told your associates more then once that I finish work from 2300-0300 so by the time I get home and bathe its wee hours of morning, so DON'T CALL ME IN THE MORNING!!! What dont you understand?!?!? this is Hawaii time you [redacted] IS!!! 3 How can you update the address on the property when you had the correct address all the time!!!! Don't lie to try make yourself look good!! 4 every call I get when I am sleeping I return, the last associate I talked to I said I will try to contact [redacted] themselves and see if they could stop payment because [redacted] SENECA AIN"T DOING ST!!!!!!! 5 I should be current to August if you dumb [redacted] would try to help me, blame and insinuate that's [redacted] SENECA. [redacted] You Customer Service!
Regards,
[redacted]
Revdex.com:
My experience with Seneca gave me an impression of a small time agency that does not know how to run their business and involved in unethical behavior. The mortgage payment checks were send directly from US Tier1 Bank using US Mail Postal services, so this constitute a shipping contract. I am not surprise that Seneca is using the tactics of "lost checks in mail" on other customer to defraud others of bogus late fees, but in my case all checks are accounted for as they are send directly from the bank. I am concerned about Seneca claims of the balance on the account because it might be the case of "lost checks in mail" all over again. While I would not expect Seneca to admit wrong doing of their actions, the next time Seneca attempts to defraud me of any fund, such matters will be handled in court. I am prepared to handle the case viciously in court and seek full compensation including punitive damages.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:We are writing in response to the Revdex.com complaint dated 7/7/1, regarding the abovereferenced loan.Upon a thorough review of the account it has been confirmed that Mr. [redacted] previous servicer,[redacted], Inc., analyzed his escrow account on January 9,...
2014. During thisanalysis the monthly collection of $262.94 for the Private Mortgage Insurance (PMI) was inadvertentlyremoved from the payment, lowering the monthly payment effective March 1, 2014 from $1,912.12 to$1,623.08. Even though the funds were no longer being collected for in the monthly payment, thepremiums were still being paid to the PMI carrier on his behalf.When the loan was transferred to Seneca Mortgage Servicing LLC on 12/1/14, the error was discovered.As the account did not meet the qualifications to have PMI removed, we resumed the monthlycollection. With the PMI added back in, an escrow analysis was completed on February 6, 2015. Thisanalysis showed a shortage of $4,053.64 due to the PMI collection error with the prior servicer. Theshortage was paid on 4/14/15, bringing the monthly payment to $1,919.42.A letter was sent on 3/30/15 explaining the qualifications needed to have PMI removed, we haveattached a copy of it along with both escrow analysis referred to in this letter for your reference.We apologize for any inconvenience 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 feel my response rejecting Seneca's escrow audit findings and review on their customer service model were explicit. Here's a summary:Seneca's escrow analysis was wrong as the amount I owe is near $1,300. My complaints around their customer servicing is their IVR and inability for a customer to speak with a representative. Email with them is worse as no response. Should you get to a live body, the information conflicts. Simple stuff like: why is my escrow increasing, what is my new payment, when is it do, does Seneca draft automatically from my account. With such poor customer support, I feel the security of my home asset is in jeopardy. This company feels very miss managed. I encourage you to pool your customer complaints about Seneca. You'll see a strong pattern of miss management. It would be horrific if this company goes under and home owners lose their homes.
Regards,
[redacted]
Seneca Mortgage Servicing LLC has responded to case #[redacted] with a letter dated December 4, 2014. This letter was initially mailed via fedex but we have also attached the same letter to this response.
Thank you,
Seneca Mortgage Servicing LLCDecember 4,2014Our records indicate that Mr. &...
Mrs. [redacted] loan was paid in full on October 27, 2014. In accordancewith RESPAIFederal Law, a servicer must return any amounts remaining in escrow within 20 businessdays after the payoff is received. On November 12, 2014, less than 20 days from the date of the payoff,a check in the amount of $2,682.23 was sent to Mr. & Mrs. [redacted] from their escrow account as anescrow refund.We sincerely apologize for any inconvenience this delay may have caused them.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
Dear [redacted]:We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of the Revdex.com Complaint dated 4/28/15. Be advised that the check inthe amount of $4,413.10 was disbursed from Mr. and Mrs. [redacted]’ escrow account on 4/1/15 and wasmailed to them on 4/8/15. We apologize for this brief delay.Per the tax information we have on file, Mr. and Mrs. [redacted]’ County taxes were due 4/16/15. It is ourpolicy to disburse funds from escrow approximately a month early to ensure there are no complicationsand to take advantage of any discounts available for paying early. If Mr. and Mrs. [redacted] have anyupdated tax information showing a different due date please forward the files to our mailing address.We apologize for any inconvenience this may have caused Mr. and Mrs. [redacted].If we can be of further assistance, please call us at (866) 919-5608, 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
Revdex.com ID: [redacted]Loan Number: [redacted]
[redacted]
[redacted]
[redacted]We are writing in response to Revdex.com complaint [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your...
Revdex.com complaint dated 12/31/15. Please be advised that we have reviewed Mr. and Mrs. [redacted]’ loan and will be removing Private Mortgage Insurance (PMI) from their escrow account.Per the Homeowners Protection Act of 1998, the PMI on a loan will be automatically terminated when the principal balance of the mortgage reaches 78% of the original value of the property, and all other requirements are met. However, as our representative provided incomplete information to Mr. and Mrs. [redacted], we will honor the PMI termination at 78%, without the property value verification. When the termination is processed, Mr. and Mrs. [redacted] will receive a letter, and a refund of the PMI overpayment will be returned to Mr. and Mrs. [redacted] under separate cover.We apologize for any inconvenience this may have caused you.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15 AM 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
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see the attached letter.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 7/9/15. When Mr. and Mrs. [redacted]bought their home, the development they moved into...
has not yet been split by the tax office intoindividual property tax parcels. As such, their county tax office had the taxes for the entire developmentlisted for Mr. and Mrs. [redacted]’s property. The tax office has not yet been able to determine what thetrue taxes will be for 2015.However, after speaking with the tax office we were able to determine an estimate that will moreaccurately reflect the taxes due for Mr. and Mrs. [redacted]’s property. A new escrow analysis has beencompleted and effective 9/1/15, their monthly payment will be $2,143.86. Please be aware that this isonly an estimate, and there may be an additional adjustment once the true tax figures have beenreported. We have attached a copy of the updated escrow analysis for your reference.We sincerely apologize for any inconvenience this may have caused Mr. and Mrs. [redacted].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
Seneca Mortgage Servicing LLC has completed a careful review of your loan and your request to reviewpayments that have been received and posted for your loan. At this time, our bill processing vendordenies that the package was received. Please place a stop payment on your check and contact Seneca...
atthe number below to make your payment as needed. Any stop payment fees assessed by your bank willbe reimbursed by Seneca. Please contact the Post Office directly and open a claim on this paymentpackage as any additional information will help in further understanding why the bill payment vendorcannot locate their package. We apologize for any inconvenience this may have caused.
The requested documentation has been sent several times to the borrower -- most recently on December 29, 2016 as per Fed Ex tracking # [redacted]. As per the tracking number, the documents were delivered on January 3, 2017.The requested documentation is also attached. Thank...
you,Seneca Mortgage Servicing LLCJanuary 11, 2017
October 8, 2014
After review of [redacted] and [redacted] loan, Seneca Mortgage Servicing LLC recognizes that
taxes were not paid in a timely manner. Seneca has since corrected thi s elTor, and the taxes were
disbursed from Mr. and Mrs. [redacted] escrow account, in the amount of $3,972.66 on...
10101 /2014.
Additionally, please be advised that Mr. and Mrs. [redacted] will not be held liable for any penalties or
interest. Enclosed please find a copy of Mr. and Mrs. [redacted] Seneca payment hi story.
We sincerely apologize for any inconvenience Mr. and Mrs. [redacted] may have experienced thus far.
Seneca strives to provide excellent customer service and we do value our relationship with you, and trust
that your future dealings with Seneca Mortgage Servicing will be more positive
If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15
AM to 10:00 PM Eastern Standard Time and Fridays from 8:1 5 AM to 5:00 PM Eastern Standard Time.
Sincerely,
Customer Service Department
Seneca Mortgage Servicing LLC
Seneca Mortgage Servicing has further reviewed this matter and stands by its initial findings and response. [redacted] Mortgage Company, LLC, originated this mortgage in August 2015, which in turn resulted in the first mortgage payment being due October 1, 2015. Bank South Mortgage, as the originator - paid 2014 taxes as part of the new loan closing process, resulting in the next installment being due and payable as of October 2015. SMS acquired the servicing of this mortgage loan from [redacted] Mortgage Company, LLC in January 2016. The servicing was later transferred to [redacted] Mortgage as of 09/2016, prior to the City, State and county tax due-dates. [redacted] in turn remitted the required 2015 tax payments, which resulted in an escrow shortage. [redacted]’s review and findings mirror those of Seneca Mortgage as the issue is the direct result of [redacted] Mortgage Company’s origination data/processing - which the mortgagor herself references in her comments (“This was an investment property so homestead did not apply…”). As it stands today, [redacted] has worked diligently with the mortgagor to address the escrow shortage and has offered a positive solution whereby the escrow shortage would be spread over 99 months. We encourage the mortgagor to continue working with [redacted] in regard to this matter and if deemed warranted, further contact [redacted] Mortgage Company in regard to any origination related questions or concerns.
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.IT IS UNACCEPTABLE FOR SENECA TO SAY THAT THEY ARE NO LONGER ARE SERVICING MY MORTGAGE, AS THE NEW MORTGAGE COMPANY, [redacted], CANNOT GO BACK AND ENTER PROOF OF MY HOMEOWNER'S INSURANCE SINCE MAY OF 2015, AND BECAUSE ONLY SENECA CAN MAKE THE ADJUSTMENT. I HAVE ALSO FILED A COMPLAINT WITH THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, AS SENECA IS REQUIRED TO CANCEL LENDER-BASED INSURANCE THEY PLACE WHEN PROVIDED WITH PROOF OF CONTINUOUS COVERAGE, WHICH I HAVE BEEN TRYING TO DO AND THEY HAVE CONSISTENTLY IGNORED. JUST TODAY, SENECA CONTACTED MY OFFICE AND ASKED ME TO "REFAX THE DECLARATIONS PAGE" FOR THE 2016 TO 2017 POLICY, AS IT IS "HARD TO READ." SENECA IS GIVING EVERYONE THE RUN-AROUND. WHY ARE THEY TELLING YOU THEY ARE NO LONGER THE POLICY HOLDER, AND TELLING ME TODAY TO RESEND THE POLICY? SENECA IS MANIPULATING THE MORTGAGE SYSTEM BY REFUSING TO ACCEPT PROOF OF MY PRIVATE HOMEOWNERS INSURANCE POLICY, CHARGING ME $3,264.00 IN FALSE CHARGES, THEN IMMEDIATELY AND CONVENIENTLY SELLING MY MORTGAGE TO ANOTHER LENDER, STICKING THEM WITH THE PROBLEM, AND REFUSING TO COOPERATE. SEE THE LETTER ABOVE I RECENTLY ALSO SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING AND PROOF OF MY CONTINOUS COVERAGE ABOVE. BECAUSE OF SENECA'S FRAUD, I HAVE BEEN OVERCHARGE ANOTHER $3,264.OO BY [redacted] FOR THE FALSE POLICY THAT SENECA PLACED, AT A TOTAL LOSS TO ME OF $6500. SENECA IS SCAMMING THE MORTGAGE INDUSTRY MUCH THE SAME WAY WELLS FARGO DID WITH ITS FALSE ACCOUNTS AND IT SHOULD NOT BE ACCEPTED OR TOLERATED. PLEASE DO NOT LET THIS MORTGAGE COMPANY MANIPULATE THE SYSTEM AND HOMEOWNERS LIKE MYSELF. THEY HAVE CAUSED ME TO LOSE $6500 IN 4 MONTHS, AND IT IS OUTRAGEOUS. A MORTAGE COMPANY SHOULD NOT BE ALLOWED TO IGNORE PROOF OF PRIVATE HOMEOWNERS INSURANCE, CHARGE SOMEONE $3200 FOR A POLICY THEY DON'T NEED, THEN QUICKLY SELL IT TO AN INNOCENT MORTGAGE COMPANY LIKE [redacted], AND LEAVE THEM WITH THE MESS. SENECA HAS TO ADDRESS THIS ISSUE, AS I'M CERTAIN IT HASN'T ONLY HAPPENED TO ME! PLEASE HELP.
Regards,
[redacted]
Seneca Mortgage Servicing LLC has completed our research attached is our response letter. Thank you 03/12/2015Dear [redacted]:We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted].Seneca Mortgage Servicing LLC acknowledges that the...
refund check that was sent to [redacted] and [redacted] had a stop payment erroneously placed on it. We have since reissued thecheck to Mr. & Mrs. [redacted] along with an apology letter for the inconvenience this issue has caused.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:00 PM Eastern Standard Time and Fridays from 8:15 AM to 5:00 PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Good afternoon, This loan has been transferred to [redacted] Mortgage. Please contact them for assistance. Thank you.
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.Seneca's responses added that they could not continue to investigate without "more information," presumably with respect to the missing payment. I received a called this afternoon from Seneca and the check (dated 31Mar) had officially been located. I would like to know if the payment had been on Seneca's premises on or around the 31Mar date, or if there was an issue with the courier. If this had been received in a reasonable time, I call into question Seneca's accounts receivable functions especially since they are managing huge sums of money. I would also like to know why BoA needs to send mailed checks instead of electing for an electronic transfer, which, in theory, would have avoided this problem.
Regards,
[redacted]
We are writing in response to your recent customer service inquiry regarding the above referenced loan. Seneca Mortgage Servicing LLC has completed a careful review of yourloan and your request for additional information regarding your loan.As per your request, Seneca has paid the back taxes for...
your propertyand will include them in your escrow account going forward. Beginning with your December 1, 2016 monthly payment, your regular monthly payment amount will be $3,205.82. An updated escrow analysis will be sent to you under separate cover.Please find enclosed a copy of the requested insurance and corporate advance invoices which detail the fees listed on the reinstatement letter. We apologize for any inconvenience this may have caused.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Ms. [redacted] Revdex.com complaint dated5/9/16 and can offer the following information. Seneca responded to Ms. [redacted] letter dated...
3/13/16regarding this issue in our letter dated 4/4/16. Our letter explained that Ms. [redacted] 8/1115 and 9/1115regular monthly payments were not received on time, therefore were reported as such to the creditreporting agencies by Seneca. Our research determined that we have correctly reported this account tothe credit bureaus and no changes needed to be made. We have attached a copy of Ms. [redacted] letterdated 3/13/16 and our response dated 4/4/16 which details our findings for your reference.Ifwe can be of further assistance, please call us at (866) 919-5608, Monday through Thursday from 8:15AM to 10:00 PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern Time.
Revdex.com:
S!!! 3 How can you update the address on the property when you had the correct address all the time!!!! Don't lie to try make yourself look good!! 4 every call I get when I am sleeping I return, the last associate I talked to I said I will try to contact [redacted] themselves and see if they could stop payment because [redacted] SENECA AIN"T DOING S
T!!!!!!! 5 I should be current to August if you dumb [redacted] would try to help me, blame and insinuate that's [redacted] SENECA. [redacted] You Customer Service!
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.
Same excuse every time! For 1, I never received any emails from Seneca, the only one I ever got is from April 28 from Eric L[redacted] showing me the payments I sent to [redacted], so don't lie!!! 2, I told your associates more then once that I finish work from 2300-0300 so by the time I get home and bathe its wee hours of morning, so DON'T CALL ME IN THE MORNING!!! What dont you understand?!?!? this is Hawaii time you [redacted] I
Regards,
[redacted]
Revdex.com:
My experience with Seneca gave me an impression of a small time agency that does not know how to run their business and involved in unethical behavior. The mortgage payment checks were send directly from US Tier1 Bank using US Mail Postal services, so this constitute a shipping contract. I am not surprise that Seneca is using the tactics of "lost checks in mail" on other customer to defraud others of bogus late fees, but in my case all checks are accounted for as they are send directly from the bank. I am concerned about Seneca claims of the balance on the account because it might be the case of "lost checks in mail" all over again. While I would not expect Seneca to admit wrong doing of their actions, the next time Seneca attempts to defraud me of any fund, such matters will be handled in court. I am prepared to handle the case viciously in court and seek full compensation including punitive damages.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Dear [redacted]:We are writing in response to the Revdex.com complaint dated 7/7/1, regarding the abovereferenced loan.Upon a thorough review of the account it has been confirmed that Mr. [redacted] previous servicer,[redacted], Inc., analyzed his escrow account on January 9,...
2014. During thisanalysis the monthly collection of $262.94 for the Private Mortgage Insurance (PMI) was inadvertentlyremoved from the payment, lowering the monthly payment effective March 1, 2014 from $1,912.12 to$1,623.08. Even though the funds were no longer being collected for in the monthly payment, thepremiums were still being paid to the PMI carrier on his behalf.When the loan was transferred to Seneca Mortgage Servicing LLC on 12/1/14, the error was discovered.As the account did not meet the qualifications to have PMI removed, we resumed the monthlycollection. With the PMI added back in, an escrow analysis was completed on February 6, 2015. Thisanalysis showed a shortage of $4,053.64 due to the PMI collection error with the prior servicer. Theshortage was paid on 4/14/15, bringing the monthly payment to $1,919.42.A letter was sent on 3/30/15 explaining the qualifications needed to have PMI removed, we haveattached a copy of it along with both escrow analysis referred to in this letter for your reference.We apologize for any inconvenience 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 feel my response rejecting Seneca's escrow audit findings and review on their customer service model were explicit. Here's a summary:Seneca's escrow analysis was wrong as the amount I owe is near $1,300. My complaints around their customer servicing is their IVR and inability for a customer to speak with a representative. Email with them is worse as no response. Should you get to a live body, the information conflicts. Simple stuff like: why is my escrow increasing, what is my new payment, when is it do, does Seneca draft automatically from my account. With such poor customer support, I feel the security of my home asset is in jeopardy. This company feels very miss managed. I encourage you to pool your customer complaints about Seneca. You'll see a strong pattern of miss management. It would be horrific if this company goes under and home owners lose their homes.
Regards,
[redacted]
Seneca Mortgage Servicing LLC has responded to case #[redacted] with a letter dated December 4, 2014. This letter was initially mailed via fedex but we have also attached the same letter to this response.
Thank you,
Seneca Mortgage Servicing LLCDecember 4,2014Our records indicate that Mr. &...
Mrs. [redacted] loan was paid in full on October 27, 2014. In accordancewith RESPAIFederal Law, a servicer must return any amounts remaining in escrow within 20 businessdays after the payoff is received. On November 12, 2014, less than 20 days from the date of the payoff,a check in the amount of $2,682.23 was sent to Mr. & Mrs. [redacted] from their escrow account as anescrow refund.We sincerely apologize for any inconvenience this delay may have caused them.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
Dear [redacted]:We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of the Revdex.com Complaint dated 4/28/15. Be advised that the check inthe amount of $4,413.10 was disbursed from Mr. and Mrs. [redacted]’ escrow account on 4/1/15 and wasmailed to them on 4/8/15. We apologize for this brief delay.Per the tax information we have on file, Mr. and Mrs. [redacted]’ County taxes were due 4/16/15. It is ourpolicy to disburse funds from escrow approximately a month early to ensure there are no complicationsand to take advantage of any discounts available for paying early. If Mr. and Mrs. [redacted] have anyupdated tax information showing a different due date please forward the files to our mailing address.We apologize for any inconvenience this may have caused Mr. and Mrs. [redacted].If we can be of further assistance, please call us at (866) 919-5608, 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
Revdex.com ID: [redacted]Loan Number: [redacted]
[redacted]
[redacted]
[redacted]We are writing in response to Revdex.com complaint [redacted] regarding the above referenced loan.Seneca Mortgage Servicing LLC is in receipt of your...
Revdex.com complaint dated 12/31/15. Please be advised that we have reviewed Mr. and Mrs. [redacted]’ loan and will be removing Private Mortgage Insurance (PMI) from their escrow account.Per the Homeowners Protection Act of 1998, the PMI on a loan will be automatically terminated when the principal balance of the mortgage reaches 78% of the original value of the property, and all other requirements are met. However, as our representative provided incomplete information to Mr. and Mrs. [redacted], we will honor the PMI termination at 78%, without the property value verification. When the termination is processed, Mr. and Mrs. [redacted] will receive a letter, and a refund of the PMI overpayment will be returned to Mr. and Mrs. [redacted] under separate cover.We apologize for any inconvenience this may have caused you.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15 AM 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
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]
Please see the attached letter.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 7/9/15. When Mr. and Mrs. [redacted]bought their home, the development they moved into...
has not yet been split by the tax office intoindividual property tax parcels. As such, their county tax office had the taxes for the entire developmentlisted for Mr. and Mrs. [redacted]’s property. The tax office has not yet been able to determine what thetrue taxes will be for 2015.However, after speaking with the tax office we were able to determine an estimate that will moreaccurately reflect the taxes due for Mr. and Mrs. [redacted]’s property. A new escrow analysis has beencompleted and effective 9/1/15, their monthly payment will be $2,143.86. Please be aware that this isonly an estimate, and there may be an additional adjustment once the true tax figures have beenreported. We have attached a copy of the updated escrow analysis for your reference.We sincerely apologize for any inconvenience this may have caused Mr. and Mrs. [redacted].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