Complaints for BSI Financial Services in Titusville, PA

Complaints	Type of response
0	Making a full refund, as the consumer requested
0	Making a partial refund
0	Agreed to make an adjustment
0	Refusing to make an adjustment
2	Refuse to adjust, relying on terms of agreement
0	Unanswered

2 complaints against BSI Financial Services

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6/1/2023

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $219,000.00 Amount Settled: $0.00

Customer Complaint

2/24/2023

They have had my loan for 2 months and I have call for the pass 6 weeks to have my payment change in recast not complete nor a call back after 6 weeks of calls. Rating-10. Can't get past the gate, keepers or supervisor to call you back. Can't get a hold of VPs . Poor business practices. I wish my bank would've never sold my loan to them. Resolution Sought Correct my payment of the recast done in sept 2021.

Company Response

3/16/2023

Company states: BSI received the written inquiry on March 6, 2023 , Unfortunately, we have been unable to locate an account for you on our system based on the information provided. If you would like to send in additional information along with your inquiry please send to the attention of: BSI Financial Services Attn: Qualified Written Requests 314 S Franklin Street Titusville, PA 16354

12/1/2022

RESPONSE: Refuse to adjust, relying on terms of agreement Amount in Dispute: $0.00 Amount Settled: $0.00

Customer Complaint

10/4/2022

I've tried talk to BSI and the person who works with my loan since May 2022. I knew I'd miss one month of my loan and I was hoping to get it on the back of my loan and not have it affect my credit. I was getting paid for one month or so for a variety of reasonings. No matter what I tried I could not talk to the person in charge of my loan. I even contacted the office of the president. Finally I was told in order to get help I had to default on my loan and be late and miss my August payment. I filled out the form and tried contacting again with no luck. They told me they would not talk to me till I was 60 days late. I wanted guidance on partial payments and what would happen. I have since paid payments, but if I make a monthly payment it will cycle me back to only being 30 days past due according to customer service and they will again not let me talk to the person that is in charge of my loan. I again reached out to the office of the president with no response. I have made a good faith effort to talk to them as they say when you know you will have trouble contact them. However, they will not let you talk to the people who can guide or help you. I don't want this to hurt my credit, yet they won't help. My payments sit unapplied and again no response to emails or real answers in phone calls expect to leave phone messages to someone who won't call me back. It's to the point now my great credit score is falling I've made over 2,000 in payments and still no calls from them. Resolution Sought Talk to me. Take the dings off my credit. Take a few months to the back of my loan. Bring me current on my payments. Same thing I've wanted since May at the first phone call.

Company Response

10/18/2022

UPDATED 10/24/22: After reviewing the inquiry and conducting a thorough investigation, the payment history reflects that Ms. Cookstrom missed an contractual payment in August 2022. On September 15, 2022, we received $400.00, but these funds were placed in unapplied because they were not enough to post the full August 2022 payment in the amount of $1,619.33. We then received $1,620.00 in two transactions on September 30, 2022. On October 4, 2022, we posted the August 2022 payment effective September 30, 2022. Our records show that Ms. Cookstrom was advised on Sept. 15, 2022 that we are unable to offer any loss mitigation assistance until the loan becomes 60 days delinquent. She applied for HAF funds to bring the loan current on Sept. 26, 2022 and her request was approved on Oct. 17, 2022. We received $6,310.28 on Oct. 18, 2022 and these funds were used to post the Sept through Dec 2022 payments, each in the amount of $1,619.33, effective Oct 17, 2022. As of the date of this letter, the loan is current and due for the Jan. 2023 payment in the amount of $1,619.33. We take our customer service very seriously and we sincerely apologize for any non-responsiveness that you have faced. We appreciate your feedback as we strive to improve in this area. Please be advised that the information we reported to the credit reporting agencies is correct. If the credit report contains different or older information, we apologize for any inconvenience this may be causing; sometimes it take several weeks for a loan servicer's information to be included in a credit report. BSI must report accurate and truthful information to all credit reporting agencies. BSI reports credit data to the following credit repositories: Equifax, Experian, TransUnion and Innovis. Therefore, we are only able to validate information appearing on reports produced by these agencies. if you need additional information to assist you in obtaining an official credit report and initiating a dispute through these agencies, information is available directly from their websites or through the Federal Trade Commission website, which offers consumer resources at www.consumer.ftc.gov Ms. Crookstrom will need to discuss any further issues or concerns with the credit reporting regarding this account with the credit reporting agencies. If you believe an error occurred on the account, or if you would like to submit a request for information, please mail a letter with the name and loan number and a description of the error you believe occurred or the information you are requesting to: State of New York: You may file a complaint about your Servicer with the New York State Department of Financial Services ("NYDFS"). You may obtain further information from the NYDFS by calling the Department's Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department's website at www.dfs.ny.gov Should you have any further questions regarding this matter, please contact us at 1-800-327-7861. Hours Monday-Friday 8am to 11pm ET, Saturday 8am to 12pm ET ----------------------------------------------------------------------------------------------------------------------------------------------------------------------- Company states; BSI Financial Services Received your written Inquiry on October 11, 2022. We are in the process of reviewing the inquiry and a response will be provided within the timelines permitted by law. Sincerely, Complaint Resolution Specialist BSI Financial Services

Customer Rebuttal

11/4/2022

Consumer states; I'd like to file a rebuttal. I haven't even talked to the company since filing the complaint. Plus, the first information they stated was inaccurate and a downright lie. At the start of all this is was so simply looking for guidance. Knowing I'd miss one maybe two months of my mortgage because of a change he in jobs as an educator and summer and wanted to at least talk to the person in charge of my loan. That's all. To see if they could help as they put all over their website. Call at the first time of trouble. So I did, May. It ended up in a horrid spot because of that.

Company Final Response

11/30/2022

After review of your letter and account, we have determined that BSI has previously responded to similar requests multiple times regarding this matter. in our previous response letter dated October 21, 2022, BSI provided the payment history which reflects that Ms. Cookstrom missed a contractual payment in August 2022. On September 15, 2022, we received $400 but these funds were placed in unapplied because they were not enough to post the full August 2022 payment in the amount of $1619.33. We then received $1620 in two transactions on September 30, 2022. On October 4, 2022, we posted the august 2022 payment effective September 30, 2022 Our records show that Ms. Cookstrom was advised on Sept. 15, 2022 that we are unable to offer any loss mitigation assistance until the loan becomes 60 days delinquent. She applied for HAP funds to bring the loan current on Sept. 26, 2022 and her request was approved on Oct. 17, 2022. We received $6310.28 on Oct 18, 2022 and these funds were used to post the Sept. through Dec. 2022 payments, each in the amount of $1619.33 effective Oct. 17 2022. As of the date of this letter the loan is current and due for the Jan. 2023 payment in the amount of $1619.3

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