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 TO 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,IN 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 POLICY THAT SENECA PLACED, AT A TOTAL LOSS TO ME OF $ SENECA IS SCAMMING THE MORTGAGE INDUSTRY MUCH THE SAME WAY WELLS FARGO DID WITH ITS 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 $IN MONTHS, AND IT IS OUTRAGEOUS A MORTAGE COMPANY SHOULD NOT BE ALLOWED TO IGNORE PROOF OF PRIVATE HOMEOWNERS INSURANCE, CHARGE SOMEONE $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]
The requested documentation has been sent several times to the borrower -- most recently on December 29, 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,
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you July 23,2015Dear [redacted] :We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] Upon review of [redacted] ***'s account it has been determined that Seneca received only 1monthly mortgage payment on July 10, in the amount of $,Please be advised our systemonly allows payment to be made dailyAs of the date of this letter Ms***'s account is showing duefor August 1, Enclosed is a copy of Seneca payment history for your reference.Seneca Mortgage Servicing LLC, sincerely apologize for any inconvenience Ms [redacted] may haveexperienced thus farSeneca strives to provide excellent customer service and we do value ourrelationship with her, and trust that their future dealings with Seneca Mortgage Servicing LLC will bemore positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM EasternTime and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
We are writing in response to the Revdex.com complaint number [redacted] filed on May 23, by [redacted] ***.After review of Mrand Mrs***'s loan, it has been determined that in March 2016, Seneca Mortgage Servicing LLC received notification that their property taxes were delinquentWhile they pay their taxes on a quarterly installment plan, Seneca had no information to that effectTherefore, in accordance with Seneca policy, when the delinquent tax notice arrived, we paid itAs such, on 3/23/16, a total of $11,was disbursed to pay the delinquent tax billsFurthermore, an escrow account was established to collect for taxes, as well as the recollection of the funds advanced to pay the tax billsTherefore an escrow analysis was performed on the loan on 3/31/16, and it was determined that their monthly payment amount would be increasing from the strictly principal and interest payment of$2,to $5,673.92.Please be advised that after Seneca learned of the tax payment plan in which Mrand Mrs [redacted] are enrolled, we contacted the tax office for confirmation of the installment plan, and began work on acquiring a refund for the erroneous paymentsWe were informed by the tax office that all funds submitted by Seneca would be refunded, with the exception of $1,This amount would not be refunded as it is the amount due for tile next tax installmentAs such, the total refund received only totals $10, II 1.82.Please be aware that Mrand Mrs [redacted] will be responsible for the submission of that $1,to Seneca, to repay the amount that was kept by the tax office as payment of their next installmentPlease be advised that Mrand Mrs [redacted] can repay the $1,incrementally over the course of the next months at a rate of $per month as part of their monthly payments, or they can submit the total in full to Seneca as they would have submitted to the tax office for the payment of their next tax installmentOn 5113/16, we received a refund in the amount of$2,from Harris County and $5,from the [redacted] School District, for a total of $7,The remaining refund in the amount of $2,was received on 5/Upon the receipt of this refund, Seneca was able to remove the escrow collection for taxes from the loanAs such, the monthly payment amount has been adjusted down to $2,a month, effective with the 6/paymentThis payment amount of $2,includes $93.40, which represents 1/of the funds that were kept by the tax office for payment of the next installmentPlease be advised that if Mrand Mrs [redacted] choose to submit the full $1,back to Seneca, we will adjust their monthly payment amount back to the strictly principal and interest payment of $2,Enclosed, please find a copy of Mrand Mrs***'s Seneca Mortgage Servicing LLC payment history, which will illustrate the above referenced transactions on their accountWe sincerely apologize for any inconvenience that this may have causedIf we can be of further assistance, please call us at [redacted] Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern TimeSincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC-
Revdex.com has spoken with the business and has stated that they have advised a third party that is authorized by the customer to speak with Seneca Mortgage and advised that approval is needed from the bank and financials are required from the customer.On 4/3/15, Seneca attempted contact to both phone numbers provided and one was an unidentified business that did not know the borrower, the other number we were told told was a wrong number We then emailed the customer at ***[redacted] @gmail.com.Attempts to contact the customer have been made
Please be advised that this loan has been transferred to [redacted] Mortgage, LLC effective 9/01/All complaints have been forwarded to [redacted] 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] ***
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/Please be advised that aftercontacting Mr [redacted] County Tax office, it was determined that all amounts being collected on histaxes are correctIf Mr [redacted] believes he is entitled to any tax exemptions, he must apply for thesedirectly on an annual basis, they do not carry over from year-to-yearSeneca Mortgage Servicing, LLCcannot apply for property tax exemptions on his behalf.Additionally, we have reviewed Mr [redacted] insurance documents and have removed HazardInsurance from his escrow accountAt the time of this letter his account is due for 8/1/in the amountof $806.19.We apologize for any inconvenience this may have caused Mr [redacted] .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
Hello, Please note, Seneca Mortgage Servicing LLC (“Seneca”) announced on June 15, that it had selected [redacted] Mortgage Holdings (“ [redacted] ”) as the subservicer for its existing servicing rights portfolio, and that as part of the transaction [redacted] would acquire Seneca’s existing servicing platform Seneca is no longer servicing mortgage loans Seneca did not originate this loanSeneca acquired the servicing of the loan in January and the loan was subsequently service transferred to [redacted] in September Below is the time line for this loan: 8/18/– Settlement date with [redacted] *** Mortgage Company, LLC 1st payment was due on 10/1/and months of City & County Taxes were collected at closing (HUD-1).Taxes were paid by [redacted] *** Mortgage Company in October The escrow payment was calculated based on the Sellers most recent tax bills, which included Exemptions (Atlanta Homestead Reg & Fulton Homestead Reg)Since the exemptions were based on the Seller’s information, they would be removed from future tax bills, so the Buyer’s escrow payment should have been calculated based on those tax bills without the exemptions1/– Seneca acquired the servicing of the loan Tax information was loaded to MSP (Seneca’s system of record) based on information provided by the prior servicer 2/– Seneca generated an Escrow Analysis This analysis was based on the information provided to Seneca from the prior servicer, and calculated an overage of $for the coming year 9/1/– Servicing was transferred to [redacted] The escrow balance of $5,was transferred to [redacted] for the taxes that would be due the following month 10/– [redacted] received and paid City & County taxes Since the new tax bills no longer contained the previous owner’s exemptions, the amounts were much larger, causing a large escrow shortage2/– [redacted] generated an Escrow Analysis The new payment amount was calculated based on the new tax amounts and the large escrow shortage This matter has been researched and responded to by [redacted] as well under Revdex.com Case # [redacted] Please reference this case number for the resolution Thank you, Seneca Mortgage Servicing
We are writing in response to the Revdex.com complaint number [redacted] , filed on April 14, by [redacted] and [redacted] After review of the loan, Seneca Mortgage Servicing LLC has determined that when the loan originated in October with [redacted] Lending, it closed with a total yearly escrow collection of $5,for property taxes, $2,for Private Mortgage Insurance (PMI),and $for hazard insuranceThis broke down to a total monthly escrow collection of $731.34, and was composed as such: $for property taxes, $ for PMl, and $for hazard insuranceThese figures, in addition to the monthly payment of $2,for principal and interest, constituted a total monthly payment amount of $2,Per the signed Note, the first payment on the loan was due on 12/1/in that amountAfter origination, the servicing of the loan transferred to Seneca effective 11/21/Seneca has received all loan payments for which the borrowers have been due since the origination of the loan, and each payment received has been in the original monthly payment amount of $2,When Seneca completed an analysis of the loan's escrow account on 3/16/16, the analysis was conducted using incorrect tax informationInstead of using only the individual parcel for Mr [redacted] and Ms [redacted] ' property, we were provided with and used the tax information for the parent parcel for the entire housing complex As such, the projected yearly property tax rate increased from $5, to $17,This resulted in your monthly payment amount increasing to $3,effective with the 6/1/monthly paymentPlease be advised that Seneca Mortgage Servicing LLC has corrected the error that was made with your property taxes, and we have corrected your tax lines back to the previous, and accurate yearly amount of $5,Furthermore, we have conducted a new analysis on your escrow account, and have lowered your monthly payment back to $2,Additionally, it was determined in this analysis that there was a surplus of funds in your escrow account in the amount of $2,A check was disbursed to you on 4/18/ in that amount to refund you for the excess money in your accountAs of the date of this letter, your loan is current, with next payment due on 6/1/ in the amount of $2,We sincerely apologize for any inconvenience that this may have causedIf 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 TimeSincerely, Customer Service Department Seneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Mr [redacted] ’s Revdex.com complaint dated10/7/Please be advised that an insurance claim disbursement check for $40,was mailed to Mr[redacted] on 10/12/via FedEx, and a second insurance disbursement check for $12,was mailedto Mr [redacted] on 10/21/All insurance claim funds received by Seneca have been forwarded to Mr[redacted] .The delay in the funds being released was due to multiple claims being filed and waiting for receipt ofthe required documentationWhen the original claim was filed, an adjusters report was not receiveduntil 6/15/15, despite the first loss-draft check being received on 5/19/Once the adjusters report wasreceived the first loss-draft check was mailed to Mr [redacted] on 6/16/in the amount of $3,715.49.The second claim was opened on 9/4/when we received the adjusters report for the additional claim.We advised Mr [redacted] that in order to release more than $20,we would need a generalcontractor’s estimate, which was not received until 10/5/Once that was received the documents wereprocessed and the $40,check was mailed Mr [redacted] on 10/12/15.We apologize for any inconvenience this may have caused Mr [redacted] .If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear [redacted] :We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of Mr [redacted] Revdex.com complaint dated 5/8/The escrow analysiscompleted 4/27/would have increased Mr [redacted] monthly payment due to $1,517.01, beginning withthe 7/1/paymentThis analysis was based on a projected yearly insurance premium of $1,andprojected yearly tax payments totaling $3,695.78.After reviewing Mr [redacted] tax information it has been confirmed that his yearly tax bill is $3,628.90.However, each semi-annual installment has an additional $special assessment fee which brings hisyearly tax payment to $3,695.78, paid in semi-annual installments of $1,847.89.We have updated Mr [redacted] insurance premium from the projected $1,to $Based on thischange we have reanalyzed Mr [redacted] escrow account, correcting his payment from the $1,to$1,beginning with the 7/1/paymentThis analysis has been forwarded to Mr [redacted] underseparate cover.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 Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
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/When Mrand Mrs [redacted] bought their home, the development they moved into has not yet been split by the tax office intoindividual property tax parcelsAs such, their county tax office had the taxes for the entire developmentlisted for Mrand Mrs [redacted] ’s propertyThe 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 Mrand Mrs [redacted] ’s propertyA new escrow analysis has beencompleted and effective 9/1/15, their monthly payment will be $2,Please be aware that this isonly an estimate, and there may be an additional adjustment once the true tax figures have beenreportedWe have attached a copy of the updated escrow analysis for your reference.We sincerely apologize for any inconvenience this may have caused Mrand Mrs [redacted] .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
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you Dear [redacted] :February 26, 2015We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID [redacted] Upon review of [redacted] account, it has been determined Seneca Mortgage ServicingLLC receives sphysical checks from Mr [redacted] bank institution due to the fact that Senecadoes not accept electronic paymentsTherefore, Mr [redacted] bank cuts a physical check andmails the payment to Seneca on Mr [redacted] behalfPlease be advised from the time thepayment is made by Mr [redacted] bank, the mailing processes can take 7tolbusiness daysuntil the actual time the payment is received by SenecaAs a one-time courtesy, Seneca haswaived the late fee balance from Mr [redacted] loan and the current late fee balance is $0.00.As of the date of this letter Mr [redacted] loan is currently showing due for March 1,inthe amount of $3,For monthly recurring payment set up with your personal bank, pleaseforward payment to:Seneca Mortgage Servicing LLCP.OBox 454Depew, N.Y.14043Attn: Payment ProcessingWe sincerely apologize for any inconvenience Mr [redacted] may have experienced thus far.Seneca strives to provide excellent customer service and we do value our new relationship withhis, and trust that their future dealings with Seneca Mortgage Servicing LLC will be morepositive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Tlme and Fridays from 8:AM to 5:PMEastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Dear [redacted] , Seneca provided information in their response I was married in November I refinanced and the mortgage was [redacted] I attached the documentation as proof to show how the [redacted] statement was in my married name since April [redacted] transferred to AMS Servicing, LLC I attached further documentation as proof to show how the AMS statement was in my married name for the April statement AMS is now Seneca Mortgage Servicing, LLC which means Seneca's first statement was in my married name I don't understand how Seneca changed my married name back to my maiden name without my authorization Especially when proper documentation is needed for name changes This is exactly why I filed a complaint Seneca should face serious repercussions for this matter Regards, [redacted] ***
Revdex.com ID: [redacted] Loan Number: [redacted] Dear Mrand Mrs***:We are writing in response to Revdex.com inquiry [redacted] regarding the above referenced loan.We have reviewed your request to have your escrow account removed, however we will not be able to remove it at this timeAs your escrow account was established at the time of closing the investor requires that it stay in effect per the terms of your loan.Your escrow account was recently analyzed, an overage was found in the amount of $4,A check for this amount was sent to you on 4/1/At the time of this letter your account is due for 6/1/in the amount of $1,We apologize for any inconvenience this may have caused youIf 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 DepartmentSeneca Mortgage Servicing LLC
We are in receipt of Revdex.com complaint number [redacted] regarding [redacted] ***.Seneca Mortgage Servicing LLC has confirmed through the county that the prior owner of the propertyhad it under a business name, which is why the loan didn’t qualify for semiannual payments for taxes.The taxes were paid correctly as billedAs of 01/20/16, Seneca confirmed with the tax office website thatthe parcel is now eligible for the semiannual billing, and we have updated our records accordinglyArequest to reanalyze Mr***’s account has been submitted and he will receive the copy of the newanalysis under separate cover.Seneca would like to thank Mr [redacted] for his continued patience in this matterWe sincerely apologizefor any inconvenience he may have experiencedSeneca strives to provide excellent customer serviceIf 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
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 My complaint was not completely about my payment status (i.e., that the payment was accepted only once)My complaint was also the fact that their website showed to me acceptance of two payments with different confirmation numbers and then the inability the next day to get a human being on the phone This company needs to address their phone system and their website issuesI tried multiple times to reach them via phone and I only ended up in a recorded loop each time....that is NOT acceptableHas anyone addressed this? Regards, [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 6/15/We have updated MrandMrs [redacted] 's insurance information and a disbursement was sent to their insurance company on6/15/in the amount of $599.30.Please be advised that the payment breakdown showing on Mrand Mrs [redacted] 's billing statementdated 6/5/is accurateThe Irregular Non-Coupon Payment line is referring to their June, 2015payment received on 6/5/On 6/8/we received a check for $which was applied to theirprincipal balanceOn 6/12/we received a check for $that was applied to their escrow account.Those amounts will be reflected on their next billing statementWe have attached a copy of MrandMrs [redacted] 's payment history for your reference.We apologize for any issues regarding our call center and inconvenience this may have caused MrandMrs [redacted] .If we can be of further assistance, please call us at (866) 919-5608, 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
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 TO 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,IN 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 POLICY THAT SENECA PLACED, AT A TOTAL LOSS TO ME OF $ SENECA IS SCAMMING THE MORTGAGE INDUSTRY MUCH THE SAME WAY WELLS FARGO DID WITH ITS 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 $IN MONTHS, AND IT IS OUTRAGEOUS A MORTAGE COMPANY SHOULD NOT BE ALLOWED TO IGNORE PROOF OF PRIVATE HOMEOWNERS INSURANCE, CHARGE SOMEONE $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]
The requested documentation has been sent several times to the borrower -- most recently on December 29, 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,
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you July 23,2015Dear [redacted] :We are writing in response to the recent complaint submitted to the Revdex.com regardingcomplaint ID [redacted] Upon review of [redacted] ***'s account it has been determined that Seneca received only 1monthly mortgage payment on July 10, in the amount of $,Please be advised our systemonly allows payment to be made dailyAs of the date of this letter Ms***'s account is showing duefor August 1, Enclosed is a copy of Seneca payment history for your reference.Seneca Mortgage Servicing LLC, sincerely apologize for any inconvenience Ms [redacted] may haveexperienced thus farSeneca strives to provide excellent customer service and we do value ourrelationship with her, and trust that their future dealings with Seneca Mortgage Servicing LLC will bemore positive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8: 15AM to 10:PM EasternTime and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
We are writing in response to the Revdex.com complaint number [redacted] filed on May 23, by [redacted] ***.After review of Mrand Mrs***'s loan, it has been determined that in March 2016, Seneca Mortgage Servicing LLC received notification that their property taxes were delinquentWhile they pay their taxes on a quarterly installment plan, Seneca had no information to that effectTherefore, in accordance with Seneca policy, when the delinquent tax notice arrived, we paid itAs such, on 3/23/16, a total of $11,was disbursed to pay the delinquent tax billsFurthermore, an escrow account was established to collect for taxes, as well as the recollection of the funds advanced to pay the tax billsTherefore an escrow analysis was performed on the loan on 3/31/16, and it was determined that their monthly payment amount would be increasing from the strictly principal and interest payment of$2,to $5,673.92.Please be advised that after Seneca learned of the tax payment plan in which Mrand Mrs [redacted] are enrolled, we contacted the tax office for confirmation of the installment plan, and began work on acquiring a refund for the erroneous paymentsWe were informed by the tax office that all funds submitted by Seneca would be refunded, with the exception of $1,This amount would not be refunded as it is the amount due for tile next tax installmentAs such, the total refund received only totals $10, II 1.82.Please be aware that Mrand Mrs [redacted] will be responsible for the submission of that $1,to Seneca, to repay the amount that was kept by the tax office as payment of their next installmentPlease be advised that Mrand Mrs [redacted] can repay the $1,incrementally over the course of the next months at a rate of $per month as part of their monthly payments, or they can submit the total in full to Seneca as they would have submitted to the tax office for the payment of their next tax installmentOn 5113/16, we received a refund in the amount of$2,from Harris County and $5,from the [redacted] School District, for a total of $7,The remaining refund in the amount of $2,was received on 5/Upon the receipt of this refund, Seneca was able to remove the escrow collection for taxes from the loanAs such, the monthly payment amount has been adjusted down to $2,a month, effective with the 6/paymentThis payment amount of $2,includes $93.40, which represents 1/of the funds that were kept by the tax office for payment of the next installmentPlease be advised that if Mrand Mrs [redacted] choose to submit the full $1,back to Seneca, we will adjust their monthly payment amount back to the strictly principal and interest payment of $2,Enclosed, please find a copy of Mrand Mrs***'s Seneca Mortgage Servicing LLC payment history, which will illustrate the above referenced transactions on their accountWe sincerely apologize for any inconvenience that this may have causedIf we can be of further assistance, please call us at [redacted] Monday through Thursday from 8:AM to 10:PM Eastern Time and Fridays from 8:15AM to 5:00PM Eastern TimeSincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC-
Revdex.com has spoken with the business and has stated that they have advised a third party that is authorized by the customer to speak with Seneca Mortgage and advised that approval is needed from the bank and financials are required from the customer.On 4/3/15, Seneca attempted contact to both phone numbers provided and one was an unidentified business that did not know the borrower, the other number we were told told was a wrong number We then emailed the customer at ***[redacted] @gmail.com.Attempts to contact the customer have been made
Please be advised that this loan has been transferred to [redacted] Mortgage, LLC effective 9/01/All complaints have been forwarded to [redacted] 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] ***
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/Please be advised that aftercontacting Mr [redacted] County Tax office, it was determined that all amounts being collected on histaxes are correctIf Mr [redacted] believes he is entitled to any tax exemptions, he must apply for thesedirectly on an annual basis, they do not carry over from year-to-yearSeneca Mortgage Servicing, LLCcannot apply for property tax exemptions on his behalf.Additionally, we have reviewed Mr [redacted] insurance documents and have removed HazardInsurance from his escrow accountAt the time of this letter his account is due for 8/1/in the amountof $806.19.We apologize for any inconvenience this may have caused Mr [redacted] .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
Hello, Please note, Seneca Mortgage Servicing LLC (“Seneca”) announced on June 15, that it had selected [redacted] Mortgage Holdings (“ [redacted] ”) as the subservicer for its existing servicing rights portfolio, and that as part of the transaction [redacted] would acquire Seneca’s existing servicing platform Seneca is no longer servicing mortgage loans Seneca did not originate this loanSeneca acquired the servicing of the loan in January and the loan was subsequently service transferred to [redacted] in September Below is the time line for this loan: 8/18/– Settlement date with [redacted] *** Mortgage Company, LLC 1st payment was due on 10/1/and months of City & County Taxes were collected at closing (HUD-1).Taxes were paid by [redacted] *** Mortgage Company in October The escrow payment was calculated based on the Sellers most recent tax bills, which included Exemptions (Atlanta Homestead Reg & Fulton Homestead Reg)Since the exemptions were based on the Seller’s information, they would be removed from future tax bills, so the Buyer’s escrow payment should have been calculated based on those tax bills without the exemptions1/– Seneca acquired the servicing of the loan Tax information was loaded to MSP (Seneca’s system of record) based on information provided by the prior servicer 2/– Seneca generated an Escrow Analysis This analysis was based on the information provided to Seneca from the prior servicer, and calculated an overage of $for the coming year 9/1/– Servicing was transferred to [redacted] The escrow balance of $5,was transferred to [redacted] for the taxes that would be due the following month 10/– [redacted] received and paid City & County taxes Since the new tax bills no longer contained the previous owner’s exemptions, the amounts were much larger, causing a large escrow shortage2/– [redacted] generated an Escrow Analysis The new payment amount was calculated based on the new tax amounts and the large escrow shortage This matter has been researched and responded to by [redacted] as well under Revdex.com Case # [redacted] Please reference this case number for the resolution Thank you, Seneca Mortgage Servicing
We are writing in response to the Revdex.com complaint number [redacted] , filed on April 14, by [redacted] and [redacted] After review of the loan, Seneca Mortgage Servicing LLC has determined that when the loan originated in October with [redacted] Lending, it closed with a total yearly escrow collection of $5,for property taxes, $2,for Private Mortgage Insurance (PMI),and $for hazard insuranceThis broke down to a total monthly escrow collection of $731.34, and was composed as such: $for property taxes, $ for PMl, and $for hazard insuranceThese figures, in addition to the monthly payment of $2,for principal and interest, constituted a total monthly payment amount of $2,Per the signed Note, the first payment on the loan was due on 12/1/in that amountAfter origination, the servicing of the loan transferred to Seneca effective 11/21/Seneca has received all loan payments for which the borrowers have been due since the origination of the loan, and each payment received has been in the original monthly payment amount of $2,When Seneca completed an analysis of the loan's escrow account on 3/16/16, the analysis was conducted using incorrect tax informationInstead of using only the individual parcel for Mr [redacted] and Ms [redacted] ' property, we were provided with and used the tax information for the parent parcel for the entire housing complex As such, the projected yearly property tax rate increased from $5, to $17,This resulted in your monthly payment amount increasing to $3,effective with the 6/1/monthly paymentPlease be advised that Seneca Mortgage Servicing LLC has corrected the error that was made with your property taxes, and we have corrected your tax lines back to the previous, and accurate yearly amount of $5,Furthermore, we have conducted a new analysis on your escrow account, and have lowered your monthly payment back to $2,Additionally, it was determined in this analysis that there was a surplus of funds in your escrow account in the amount of $2,A check was disbursed to you on 4/18/ in that amount to refund you for the excess money in your accountAs of the date of this letter, your loan is current, with next payment due on 6/1/ in the amount of $2,We sincerely apologize for any inconvenience that this may have causedIf 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 TimeSincerely, Customer Service Department Seneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.Seneca Mortgage Servicing LLC is in receipt of Mr [redacted] ’s Revdex.com complaint dated10/7/Please be advised that an insurance claim disbursement check for $40,was mailed to Mr[redacted] on 10/12/via FedEx, and a second insurance disbursement check for $12,was mailedto Mr [redacted] on 10/21/All insurance claim funds received by Seneca have been forwarded to Mr[redacted] .The delay in the funds being released was due to multiple claims being filed and waiting for receipt ofthe required documentationWhen the original claim was filed, an adjusters report was not receiveduntil 6/15/15, despite the first loss-draft check being received on 5/19/Once the adjusters report wasreceived the first loss-draft check was mailed to Mr [redacted] on 6/16/in the amount of $3,715.49.The second claim was opened on 9/4/when we received the adjusters report for the additional claim.We advised Mr [redacted] that in order to release more than $20,we would need a generalcontractor’s estimate, which was not received until 10/5/Once that was received the documents wereprocessed and the $40,check was mailed Mr [redacted] on 10/12/15.We apologize for any inconvenience this may have caused Mr [redacted] .If we can be of further assistance, please call us at ###-###-####, Monday through Thursday from 8:15AM to 10:PM Eastern Time and Fridays from 8:AM to 5:PM Eastern Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Dear [redacted] :We are writing in response to Revdex.com complaint [redacted] regarding the abovereferenced loan.We are in receipt of Mr [redacted] Revdex.com complaint dated 5/8/The escrow analysiscompleted 4/27/would have increased Mr [redacted] monthly payment due to $1,517.01, beginning withthe 7/1/paymentThis analysis was based on a projected yearly insurance premium of $1,andprojected yearly tax payments totaling $3,695.78.After reviewing Mr [redacted] tax information it has been confirmed that his yearly tax bill is $3,628.90.However, each semi-annual installment has an additional $special assessment fee which brings hisyearly tax payment to $3,695.78, paid in semi-annual installments of $1,847.89.We have updated Mr [redacted] insurance premium from the projected $1,to $Based on thischange we have reanalyzed Mr [redacted] escrow account, correcting his payment from the $1,to$1,beginning with the 7/1/paymentThis analysis has been forwarded to Mr [redacted] underseparate cover.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 Standard Time and Fridays from 8:AM to 5:PM Eastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
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/When Mrand Mrs [redacted] bought their home, the development they moved into has not yet been split by the tax office intoindividual property tax parcelsAs such, their county tax office had the taxes for the entire developmentlisted for Mrand Mrs [redacted] ’s propertyThe 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 Mrand Mrs [redacted] ’s propertyA new escrow analysis has beencompleted and effective 9/1/15, their monthly payment will be $2,Please be aware that this isonly an estimate, and there may be an additional adjustment once the true tax figures have beenreportedWe have attached a copy of the updated escrow analysis for your reference.We sincerely apologize for any inconvenience this may have caused Mrand Mrs [redacted] .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
Seneca Mortgage Servicing LLC has completed our research attached is our response letterThank you Dear [redacted] :February 26, 2015We are writing in response to the recent complaint submitted to the Revdex.comregarding complaint ID [redacted] Upon review of [redacted] account, it has been determined Seneca Mortgage ServicingLLC receives sphysical checks from Mr [redacted] bank institution due to the fact that Senecadoes not accept electronic paymentsTherefore, Mr [redacted] bank cuts a physical check andmails the payment to Seneca on Mr [redacted] behalfPlease be advised from the time thepayment is made by Mr [redacted] bank, the mailing processes can take 7tolbusiness daysuntil the actual time the payment is received by SenecaAs a one-time courtesy, Seneca haswaived the late fee balance from Mr [redacted] loan and the current late fee balance is $0.00.As of the date of this letter Mr [redacted] loan is currently showing due for March 1,inthe amount of $3,For monthly recurring payment set up with your personal bank, pleaseforward payment to:Seneca Mortgage Servicing LLCP.OBox 454Depew, N.Y.14043Attn: Payment ProcessingWe sincerely apologize for any inconvenience Mr [redacted] may have experienced thus far.Seneca strives to provide excellent customer service and we do value our new relationship withhis, and trust that their future dealings with Seneca Mortgage Servicing LLC will be morepositive.If we can be of further assistance, please call us at ###-###-####, Monday through Thursdayfrom 8:AM to 10:PM Eastern Standard Tlme and Fridays from 8:AM to 5:PMEastern Standard Time.Sincerely,Customer Service DepartmentSeneca Mortgage Servicing LLC
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below Dear [redacted] , Seneca provided information in their response I was married in November I refinanced and the mortgage was [redacted] I attached the documentation as proof to show how the [redacted] statement was in my married name since April [redacted] transferred to AMS Servicing, LLC I attached further documentation as proof to show how the AMS statement was in my married name for the April statement AMS is now Seneca Mortgage Servicing, LLC which means Seneca's first statement was in my married name I don't understand how Seneca changed my married name back to my maiden name without my authorization Especially when proper documentation is needed for name changes This is exactly why I filed a complaint Seneca should face serious repercussions for this matter Regards, [redacted] ***
Revdex.com ID: [redacted] Loan Number: [redacted] Dear Mrand Mrs***:We are writing in response to Revdex.com inquiry [redacted] regarding the above referenced loan.We have reviewed your request to have your escrow account removed, however we will not be able to remove it at this timeAs your escrow account was established at the time of closing the investor requires that it stay in effect per the terms of your loan.Your escrow account was recently analyzed, an overage was found in the amount of $4,A check for this amount was sent to you on 4/1/At the time of this letter your account is due for 6/1/in the amount of $1,We apologize for any inconvenience this may have caused youIf 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 DepartmentSeneca Mortgage Servicing LLC
We are in receipt of Revdex.com complaint number [redacted] regarding [redacted] ***.Seneca Mortgage Servicing LLC has confirmed through the county that the prior owner of the propertyhad it under a business name, which is why the loan didn’t qualify for semiannual payments for taxes.The taxes were paid correctly as billedAs of 01/20/16, Seneca confirmed with the tax office website thatthe parcel is now eligible for the semiannual billing, and we have updated our records accordinglyArequest to reanalyze Mr***’s account has been submitted and he will receive the copy of the newanalysis under separate cover.Seneca would like to thank Mr [redacted] for his continued patience in this matterWe sincerely apologizefor any inconvenience he may have experiencedSeneca strives to provide excellent customer serviceIf 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
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 My complaint was not completely about my payment status (i.e., that the payment was accepted only once)My complaint was also the fact that their website showed to me acceptance of two payments with different confirmation numbers and then the inability the next day to get a human being on the phone This company needs to address their phone system and their website issuesI tried multiple times to reach them via phone and I only ended up in a recorded loop each time....that is NOT acceptableHas anyone addressed this? Regards, [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 6/15/We have updated MrandMrs [redacted] 's insurance information and a disbursement was sent to their insurance company on6/15/in the amount of $599.30.Please be advised that the payment breakdown showing on Mrand Mrs [redacted] 's billing statementdated 6/5/is accurateThe Irregular Non-Coupon Payment line is referring to their June, 2015payment received on 6/5/On 6/8/we received a check for $which was applied to theirprincipal balanceOn 6/12/we received a check for $that was applied to their escrow account.Those amounts will be reflected on their next billing statementWe have attached a copy of MrandMrs [redacted] 's payment history for your reference.We apologize for any issues regarding our call center and inconvenience this may have caused MrandMrs [redacted] .If we can be of further assistance, please call us at (866) 919-5608, 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