BSI Financial Services Reviews

The company I have a line of credit with went bankrupt and BSI Financial assumed the debt. I have received letters in the mail with random charges tacked onto my account without any support or explanation. When I called the number on the letter and asked what the charge was for, I could not get an explanation. My credit rating is excellent. I've filed an official complaint to hold BSI Financial accountable for actions that skim government rules and regulations to protect consumers like me. BEWARE OF BSI FINANCIAL. If you do not question this company's devious methods; you will get mysterious charges attached to your account.

I have been at it with these clowns for going on 2 months now. There is a home and land next to mine that is being sold. Come to find out that my property line goes 1/2 way through their house! So, long story short, we did a lot line adjustment. .60/acre each to fix the boundary line issue and unencumber their title. The lands in question are the SAME... no differences in value whatsoever. Everything is done, signed off by all governmental entities, recorded with the county, etc. But wait!! Because the 'legal' description has changed my servicer - BSI has to do and allow a partial reconveyance of the deed. Basically, they have to 'approve' of the new legal description.

I am really not sure why this company is still in business. My mortgage was unfortunately sold to them. It should not be okay to all of the sudden increase your payment by $350 a month due to failure to pay the taxes correctly. They assign an agent to you however, that person will not call you back. This company has put me in financial hardship and is a nightmare to deal with.

On 11/16/ 2016 I have received numerous calls from my insurance company declaring that they have not received any payments from BSI Financial. I called and spoke with 5 different reps who refused to speak with me because they have to get another authorization from your office in order to help me. This is unfair and now the insurance company is saying if they do not receive payment my insurance will lapse. On 11/16/2017 ** FAX NUMBER, per conversation on 11/16 with Prisca ** she advised the insurance agent to send her the declaration page so that they can pay it. Per Jerry with my insurance company he has sent the documents by fax and email to her on several occasions and she still hasn't responded. I have the emails showing where she read them but never responded.

I have been dealing with BSI for over 3 years now. My mortgage was sold to them by Chase when I claimed bankruptcy. They are a complete nightmare. Their agents are rude and incompetent. When they first picked up my loan they stopped paying my taxes and then they stopped paying my homeowners which was eventually cancelled for awhile. They held a check I wrote for the mortgage one month and then sent it back and said it was held for 90 days?? Really?

THIS MUST BE THE WORST PRACTICING BUSINESS I HAVE EVER HAD THE MISFORTUNE OF BEING FORCED TO DEAL WITH!!! Please excuse the caps, but they are an expression of how truly beyond frustrated I have been since this company bought my mortgage from another broker. These people must be stopped and investigated. As customers we must come together and bring some type of action against this company!!! They are playing with my Homeowner's insurance and property taxes just as mentioned in all of the previous statements and this is happening at exactly the same time as the other customers are going through it with this company.

I have been trying to resolve my account since 2015. My mortgage was assumed in 2016 and the account is still listed in my name. ** does not call her clients back. I am very frustrated. Poor customer service.

My mortgage been sold out from Wells Fargo to BSI only month ago. I called the appointee person Marco but he never care to call me back! To know about my status with foreclosure so I called any one then! Her name was Mary she oh they usually answer back 48 hours later which already been over 48 already! I ask, "Could you check my status?" She said, "Oh the sales date is tomorrow morning and you have no time to do anything!!" I said "how come I just received today the statement saying due date next month? Why you did not send confirmation date letter instead?" She said those statement are just the computer process them automatically. She repeated that nightmare procedure for tomorrow. I couldn't eat or sleep all day all night for this nightmare! They are collection! I'm 71 years old still working my X line side in this house. He is veteran disable!! Any dignity?!

I have never in my life experienced anything like what I have with BSI Financial. My nightmare started in August of 2014. I sent in my monthly payment in the beginning of the month then at the end of the month I sent in September's payment, and then in October BSI said I didn't pay September. We were on the phone with Customer Care and was told the payment at the end of August was put towards principal because you can not make two payments in one month. I now have 1200.00 in late fees that I refuse to pay for their mistake. Every time I call and ask to speak with a supervisor they are always in a meeting and never once have I received a return phone call.

My husband & I filed bankruptcy & surrendered our home. We paid out of bankruptcy & was discharged. We started receiving letters & phone calls from BSI Financial Services saying they bought our mortgage from Chase & was harassing us. We explained the bankruptcy & had our attorney contact them. They even showed up taking pictures of our rental home. They called us threatening us all hour of the day & night for over 2 years. It has been six years since our bankruptcy and we have now received a 1099-C from them. This is ridiculous & has to be stopped.

BSI has to be the least customer friendly mortgage holder I have ever encountered. They are slow to process requests for changes. ABSOLUTELY DO NOT HOLD AN ESCROW ACCOUNT WITH BSI - My escrow amount due monthly has changed 3 times in the last 3 months. I'll be glad when BSI sells my loan.

I have lived in my house since 1996. Had purchased it 1999. Of course the first mortgage company sold my mortgage to another investor. Just in the last year and a half, I have been bounced back and forth between BSI and SLS. I was informed that my mortgage is late by one month. I was also informed I had no homeowners or flood insurance on my home. Hello??? This is all supposed to be included as part of my mortgage payment. I had to remind SLS to pay my property taxes. I called on 12/19/16 and again today, because they are telling me they have to review my account and it will take 5 to 10 days. Of course it was reflected on my credit report. I asked them first of all not to say that my call is being recorded in an attempt to collect a debt. Hello? Are you not a mortgage company? Or are you a collection agency? Very rude and degrading I must say.

For about a year we had no complaints. Then we decided to change the bank account our payments were being withdrawn from. We filled out the form and sent it in. Nothing happened. Ultimately, since this bank account was a secondary account, we ended up keeping it open solely to accommodate BSI. We lived. Fast forward about 8 months... Out of nowhere, BSI decides they're going to change the date the payment is being withdrawn (from the unused secondary account that we were going out of our way to deposit money to avoid a missed payment). Hello, NSF. We filled out another form to have the date changed back to the original date, and guess what? Nothing happened! They continually (for about 3 months) took payments out on the wrong day from the wrong account.

I got the mortgage with BSI after Chase sold it. It's been a plain nightmare since then. They don't believe in loan modifications. I am disable and they want me to vacate the property as soon as possible. They are sending a real estate agent every week to make sure that I leave the property. They send letters to contact people that never respond to you or maybe they don't exist. Who knows. I will be on the street if I don't get help as soon as possible!

First of all, I give them 1 star because it was required. BofA sold these people my mortgage. If you have a choice don't use them. From the beginning they sent me inaccurate statements then made me pay "trial payments" which were $1500.00 more than the actual payment amount. I ended up suing them because they violated Dodd-Frank.

Condescending/predatory. They just took over my loan. Are late with all paper work. Send confusing dates and addresses. Putting the burden on us to provide ins. information that was on record with previous service. Threats of high priced placed insurance. I have never had a lapse in insurance coverage and am current with home and flood. They sent all payment information after the due date. I do not trust them.

I have been a customer for approximately 3 years. I always mail my mortgage on time yet I have been charged late fees 3 times already. This past time I mailed it on the 9th of the month and they processed it on the 22nd! They are impossible to speak to! Please be of assistance.

My equity loan was transferred to BSI Financial Services from CitiBank in Mar of 2016. This loan servicer has yet to get my statements correct. I was told not to make a payment till they straighten out the servicing on these new loans they took over. I continued to make the payments even though they were nearly $100.00 more than what the payment should be. Finally I get my statement dated 5-10-16 that I did not receive in the mail till 6-7-16, with appears to be a late fee of over $78.00! They didn't mail the letter till 6-3-16. My payments have not been late. So I come on this site to see the reviews. IF CONSUMERS AFFAIRS IS NOT GOING TO DO ANYTHING TO PROTECT US, WE NEED TO HAVE A CLASS ACTION SUIT.

Bank of America sold our Mortgage to BSI Financial. At first they were helpful and responsive. Then they started requiring secure funds for us to pay the mortgage. It took months to get them to lift this requirement. Then due to an error at their end they imposed the same restriction and never told me. Fortunately I found it by reviewing my online account or else my mortgage would have been late. My account rep is very nice and tries to help, but when I asked to speak with her supervisor (not because of anything she did) that person was unavailable. I asked to speak with the cashiering unit (the people requiring secure funds) but they don't speak to the public. You can't get a call back in a reasonable amount of time either. They know they can do whatever they want because this is the roof over your head. Stay away from BSI.

CitiMortgage sold our account to BSI Financial. I have been attempting to get a statement and pay off since April and with no results. LAST 2 calls this week. 1st call was told I would be sent payoff right away and no email with response. 2nd call said would request and it could take 3 to 5 business days! Asked for a manager and to no surprise there was not a manager available. Thanks so much CitiMortgage for the company you sold many accounts to and what we have had to go through. I would not recommend BSI Financial to anyone.

CitiMortgage sold my mortgage to BSI and BSI is not a bank. It is a investors. Good luck.

My Equity Loan was transferred to BSI Financial from Citibank. This company has been awful to deal with. I would not recommend them to any Friends or Family! It has been over a month and they still have not established my account correctly. Every week I call and every week I am told the exact same thing, "We are working on your account and it should all be fixed within a few days!" They lie to you, so that they can get you off the phone as quickly as possible.

My second mortgage loan was sold by Citibank to these clowns. The customer service is awful and they insulate the administration so you cannot talk to anyone in authority. I have been trying to get a loan payoff total for over week to allow my new bank to refinance my 2nd mortgage (BSI has a lien on my home) and have been trying to get help from this company, but they do everything they can to stall, hinder and delay. Avoid this company at all costs.

BofA sold my loan to this company and once they did, it's been downhill from there. There is no reason for someone to leave a message to speak with a representative. If the loan is sold, terms and conditions remain the same. You can't change a contract without someone (homeowner) signing off on it. Please shut this place down.

After many of the problems mentioned, I refinanced my mortgage through a bank that does not sell its mortgages. I did want people with BSI Financial to know that when I was still with them, it did help to record every conversation and let them know at the beginning of the conversation that it was being recorded. I also kept a log of all conversations with them. It also helped to use priority or registered mail whenever I had to send something to them. This added additional expense and was inconvenient but it averted problems down the line. Refinancing was also inconvenient, but luckily, the interest rates have gone down which covered the additional closing costs I had to pay. It was worth the peace of mind I now have.

I had previously written a complaint on this company (BSI Financial) and looking at the complaints on this site against them, this company is apparently doing the same thing to hundreds of people everyday! All over the US. My mortgage was sold to these people and all of the tactics explained in every complaint are identical to what this company has done to me. I have been battling a company who has been taking my mortgage check every month, sending inaccurate information on monthly mortgage payment due then telling me payment is short and "your money was applied somewhere else"... I have been battling this for six months now and am extremely angry that no one will do anything to investigate this Company.

We called our payments in every month last year to be sure they came out via ACH on our bank statements (Hmmm at B of A). I actually sent the statements for the whole year and they had the audacity to look them over with me on the phone and say they weren't there. I am so angry about the legality issues with this. I'm looking for ways to bring them down. They forced us into foreclosing by sending back our payments to us after we proved we had made the payments. Who allows mortgage payments to be sent back. Now we're in arrears and can't ever catch up due to all the payments we claimed we made and they denied. They also charged us legal fees and they say they'll get us some help.

Bank of America sold my loan to BSI Financial. Ever since they've had my loan, I have not received statements. They stopped paying my escrowed homeowner's insurance that cause it to lapse, and I am sent in circles to speak with a representative that can understand my concerns. This experience with BSI makes me want to just walk away from my home. I do not recommend this company to anyone. I've been a homeowner for over 20 years & this is the worst company I've ever done business with.

My loan was sold to BSI from Bayview from Chase. In less than a year my loan went up 3x. It takes me days to reach someone and they can't even find my loan to verify my information. I can't make these payments or work out a plan if I don't know where my mortgage is going to.

This company is foreclosure nightmare! They have no valid information, missing documents, giving misinformation, verbally abusive, they are worst business known to me! I have attorney to represent me, I just cannot go through all stress they put me through. It is shame they are still in business.

BSI is the worst company I have ever dealt with. I'M 55 years old and I have never wrote a complaint letter about a company. At their request, I set up auto withdraw for my mortgage payments. For the month of december, they processed an auto withdraw from checking account, 4 times. I have been calling and calling for days. Finally spoke to a human. They advised me, it was their mistake and they would issue a refund in a few weeks. Are you kidding? Instead of a $1000.00 payment, they took 4X that amount. I explained "this is my checking account, and all my other bills will not get paid". I was advised by a supervisor that it's company policy to wait more than 3 weeks to receive a refund for their error. Unbelievable!!! I suspect there is something fraudulent going on with BSI.

Had obtain a loan modification and the amount changed without any notice. First the company had my name wrong. Then the amount changed. $350.00 was added without any explanation The agreed amount was 1420.73. A month later I received a notice with a late payment attached that I made a partial payment without any reason that fees are applied and the amount changed.

Macquarie Mortgage sold my loan to BSI Financial a couple of months ago. I had automatic payments set up with Macquarie so I have been trying to do the same with BSI. I sent two e-mails on their website with no response. I then called, couldn't get through to a person, so left voice messages twice, again with no response. It has now been two days since the last voice message and I have heard nothing. I am beginning to believe there is really no one there and it is just an automated collection agency. This is absolutely the worst customer service I have ever experienced. I am now looking around for refinance options.

Bank of America sold my loan to BSI financial and almost like every other review posted late fees. Escrow, point of contact representative, and it seems like they are a collection agency not a mortgage company. So if anyone knows what to do to hold them accountable from what they doing, please I am all eyes and ears.

My BofA mortgage loan was sold to BSI in 2013, and since then I have attempted to do a refinance through HARP, but they either lost my paperwork and never told me that my submission was rejected. They changed several of their representatives since I've had this loan, so it was difficult for me to talk with someone who knew what was happening. The last straw occurred when my loan went up for auction. I was "working" with a man who was my liaison told me to resend my mortgage HARP paperwork back in. I explained to him that my mortgage was about to be sold, but he reassured me that if I send my paperwork in, they would stop the sale. I did just that, but when I called BSI, I couldn't get anyone except a voicemail.

Towards the beginning of November I was advised that my mortgage was being "sold" transferred to BSI. While annoyed with the hassle of it all I was like OK I still have to pay someone so not a big deal. My payment is typically automatically withdrawn on the 15th of each month so I called the number provided on Nov 11th only to be told to try back next week as the loans sold to them by Ocwen (my old company and at least the 3rd one sold to) were not in the system yet. I was also advised that there would be no late fees imposed for 60 days due to this. All of which again wasn't a big deal and in light of the inconveniences felt that was a professionally courteous gesture.

This company is the worst. I have been to the Attorney General in the state of Virginia. I have been to Comptroller of Currency and the Federal Consumer Protection Agency. No one has been much help. It seems when this company needs money they make payments late. I have never been late. Citi sold my mortgage to these sleazeballs as well. I has my bank call them. They hung up on them.

BSI is the worst mortgage company I ever had to deal with. I am sorry that Citi Mortgage sold my mortgage to BSI. I never had any problems with Citi. Since BSI & under the management of Vice President Kavin Murphy, they let my Homeowner Insurance lapse. I had to straighten out my insurance issues myself. BSI has double charge me for insurance. BSI has misapply my mortgage payments as well. I had file for a modification of hardship, BSI had denied me. Now I had filed for Bankruptcy because of BSI & their screw ups. Now I do not receive any monthly statements & the ones I did received was never current. Now BSI & Vice President Karin Murphy, is now trying to collect 6200.00 even after I filed for Bankruptcy. I had filed 3 complaints with BBB against BSI. For what I had read, I am not the only person have issues with BSI. There are 81 complaints was filed with BBB against BSI. I just someone can help me, to get away from this company.

I've dealt with this company since my loan was sold to them about 3-4 years ago and it has been a nightmare. I was never late with Citi-mortgage. I was was able to go online and manage everything online. I've had nothing but problems since. Their customer service is rude and incompetent.

My loan was modified by Bank Of American Nov 2014 but was also sold to BSI that same month. I have had many issues with late charges, escrow account being negative and the last but least BSI reported to the Credit Agencies that I have been late from Jan 2015 thru June 2015. I was about to purchase a big item when this showed up. I have never been late and that was verified by BSI but yet my credit score is ruined. I was told to fax a letter to them and it would be handle and fixed with the Credit Agencies. This is so unprofessional and so wrong on so many levels. I'm still fighting about my negative escrow and late charges. We need to do something!!!

Bank of America sold my loan to BSI Financial services in November 2014. Since then I have had so many issues. They never return calls, they charge so many hidden fees, they are now changing my payments over 200 dollars a month based on escrow account that has been established previously for years with no issues until they bought my loan... There's enough of us out there to start a CLASS ACTION SUIT AGAINST THIS COMPANY!! I do know that ALL pay attention to your principal and interest. Check/study your mortgage documents from your original mortgage loan and the transition to BSI... Numbers (starting balance should match). Please let's do something against this theft company. This company has been my nightmare.

We fell behind on our mortgage, due to me losing my job in Nov. I called Citi Mortgage to make 2 payments to almost catch us back up, to learn it had been transferred to BSI. I have been calling for 3days, leaving a VM a day as to not clog their VM system up per their message. No answer, rings 1 time & goes to automated message telling you to leave a message and they will call you back within 24hrs.

I have a loan that was transferred to BSI in 2013; I don't think they have the correct rate information. This loan has been transferred 4 times, and BSI has to be the worst. Now, they have transferred the loan to another company just this past July of 2015. I need to have my loan rate corrected and my payments corrected. I need help, no one returns the calls.

After being off work due to a car accident we fell 10 months behind in our payments. We noticed that due to CitiMortgages (Citibank) had defrauded investors and reached a $7 Billion settlement with the DOJ, $2 billion were set aside to help struggling homeowners that had mortgages with CitiMortgage. When I contacted CitiMortgage about applying for the funds they told me "You can't apply" for the funds they a disbursing the funds on a case by case basis?? In other words they got caught in a scam and now are involved in another scam with the funds set aside for struggling homeowners. So now after being behind for 10 months CitiMortgage sends us a letter saying they are selling our loan to BSI Financial (their SHELL FORECLOSURE COMPANY).

Had a loan through Bank Of America. Loan was sold to BSI in 2013. Since my loan has been with BSI it has been a nightmare!!! They switched account managers on me. I didn't receive any notification of that. I found out from me calling nearly everyday, leaving messages to no one calling me back. Finally spoke to a customer service agent, told me my account manager changed. Gave me the new person's name and ext. Called left several messages, no return call!!! Had to ask to speak with a supervisor, then I Get a call back.

I work there BSI - Maryland I have to be honest, I feel sorry for the borrowers. I pray every day to find a better job, BSI is a crazy place. And just for you all to know they don't have trainers. They will have you sit and watch mortgage online videos then 10 days later you are supposed to talk to the poor borrowers. You will also see your single point of contact changed often and that's because people at work quit often. Well good luck to the borrowers with that crazy place. Sorry!

I had a late waived and it keep showing up, they increased my mortgage fee over $400.00 starting next month. I can't afford this anymore. What can I do?

We were almost done modifying our home with BOA and they sold our loan to BSI. Well today we got a letter saying they do not want to help and we will have to move out in sometime. I do not think it's fair. These people are even trying to help us!! Please help! Any info will help!

I just received a letter from BSI that my home equity line of credit was transferred to this company. After reading this comment, I am scared. I need my home. I am disabled. I received a line of credit when I was unemployed and it was a shady deal, at best. I was sent to Sun Bank to make contact with a woman who was in charge of the loan dept. I was dealing with the lawyer on an unrelated matter at the time. He told me he knew the woman who authorized the loans there. I can not repay the loan and I don't know what to do. Sun Bank sold my loan to this company (BSI). I am wondering what to do. Should or can I file for bankruptcy to keep my house? I got a bill for 12,000. I can not pay this.

BSI claims, without proof or anything in writing, that I am behind a single payment on my mortgage. If you google BSI, you can find over 100 different people with similar complaints. They continually switch my "agent" that handles my account. My "agent" NEVER NEVER NEVER returns any phone calls, emails, etc. I have had the same insurance agent for 20 years. I have had 3 BSI "agents" in 5 months. I turned BSI in to the Consumer Financial Protection Agency, a division of the Federal Trade Commission. The CFPA can be reached at: consumerfinance.gov.

We originally had our home loan with B of A. We were in the final steps of our modification with B of A when it got transferred to BSI. We were told that BSI would pick up where B of A left off. That didn't happen. It took months for BSI to even acknowledge that they had our information. They then said we had to re submit everything which we did. Our "representative" assigned to us would never return phone calls or even answer. I asked for a supervisor who stated many times I would get a call back before the end of the day. That never happened either. After many phone calls and complaints, I got in contact with a ** who stated I had to resubmit paperwork yet again which I did. Within 3 days they contacted me and said to short sale the house. We are both back and working and have sufficient income to make our house payment. They didn't care.

Why this bank is still active, and up & running is beyond me. It's clear that BOA and BSI are in kahootz. My home loan belonged to BOA. I wanted to remodify as I lost my job and got a few months behind in payments. I hired a lawyer to speed up the process. My lawyer advised that a few months behind was okay and would actually help the remodification process.

CitiMortgage sold my mortgage to BSI six months ago. I have been trying to sell my home for over a year now. I owe more than its worth so it's never going to sell for what I need for it. I was working on a loan modification with CitiMortgage before they sold my mortgage which was quite time consuming. I was able to talk to someone at BSI before they had my loan and the guy I spoke with made me feel great about this. Told me how they were going to help me sell my house and the modification will be speedy process. I have not been able to get a hold of them.

This company did everything to make sure I had no chance to save my home. They posted a sales notice on my door the last day I could respond to the court. Knowing my house was worth more than I owe. Sold it to themselves for what I owed then resold it for the value.

We got a house northeast home loan accepted only using my husband income. At the time my credit was low, we are on fit income, my check was coming on different day that my husband is a cancer survivor unable to communicate, we was few days late, but always send the monthly payment. One time they call us and said that we was a month behind, due to that, they send my husband for collection debt. BSI offered loan modification, we never ask, at the time they stop accepting the monthly payment, we use some of the money to do emergency repair, so we agree on the modification. They put us on trial for 3 month, we send the money on time, we past then something come up that they stop to accept our money. They ref. us again for another modification we did not why, I still continues to paid the mortgage. They told bank not to accepted the money so they send back to us.

I was with Bank of America and when we we're starting our trial payment after doing a loan modification which was approved by B of A we got a letter saying our loan was now BSI financial. Made the first 2 payments on the phone with a customer serv representative and no problem. My last trial payment the 3rd one I called to make my payment land. They told me I couldn't make it over the phone now because I have a foreclosure hold so I needed to speak to my acct mgr **. Tried talking to him for 4 business days. Left VM and emails. Never got a call.

My credit problem started when Sam’s Club denied me a credit card. I was surprised when that happened because I thought my credit rating was in the good to very good credit range with the credit reporting agencies. I went to the Experian website on March 31, 2015 and got my credit report. I was surprised to find out that my previous mortgage lender BSI Financial Services filed a report with Experian that I had filed Chapter 7 bankruptcy on Saturday, January 31, 2015. This report is false because we did not file for Chapter 7 bankruptcy on January 31, 2015.

In reading all of the reviews, I am in the same boat as all of you. In the middle of modification, BOA sold to BSI and it has been a NIGHTMARE since. I have sent ALL the $ and then some to bring my loan current. For some reason, they have failed to apply the funds, and the amount due just grows and grows. I have gone through 3 different CSRs, and the "manager" will not answer my calls or voice mails. THERE NEEDS TO BE A CLASS ACTION SUIT IMMEDIATELY. This company is criminal and operation under the radar.

This has GOT to be the worst company, ever! It takes forever to get a hold of someone, and when you do, they transfer you and make you leave a voice-mail for someone to call you back...in 2 days! My home loan was transferred from FC Lending to this joke of a company, and now we are in the process of refinancing just so we can get with another lender. They will do everything to make sure you are late with your payment, and pay a penalty so they can keep the extra profit. SCAM!

I have had nothing but problems with this BSI. They claimed I never sent a payment in when I sent it 7 days in advance. I received a letter saying my taxes were not paid when they claimed they had paid them. I am looking for another mortgage co and will not allow BSI to play games with me.

I am in the same boat as most if not all the respondents here. I am forced to make my mortgage payment on the 3rd Wednesday of the month due to my Social Security pay date so I am late most months except for a few times during the year when the 15th falls on the 3rd Wednesday. Of course I get hit with a per diem late fee. I received a letter from my town in March 2015 stating that they had not received the January property tax payment of roughly $1855. Of course a late fee was added for about $140 bringing the total due of $1995. After numerous voicemail messages left my account agent ** and no return calls, I happened to stumble upon the direct dialable number for the escrow department. After a short conversation with someone there, I was told to forward an email copy of the bill to that department, the bill would be addressed and paid pronto.

My experience with BSI Financial Services has been since April 2012 and is when they began servicing my home loan. I was informed that as of April 5, 2012 to start making my payments to BSI Financial Services and that is what I immediately did. I sent my payment and all of my payments as a cashiers check from Bank of America and sent it UPS 2 Day Air which they received and signed for. It took until April 24, 2012 for them to cash the check and they had also written the new loan account number on the cashiers check. They also received my second payment in May 2012.

BSI is a Mortgage SHELL Company that buy up bad Mortgages that were NEVER legitimate to begin with, you know the ones that are full of FRAUD from the mortgage scandal and are not truly collectible and were written off by the banks when they realized what they had. My issue is my mortgage is serviced by them and they actually tried to EXTORT money from me to reinstate my mortgage after they claimed to own my mortgage. The requests were from $40K and kept going down until I settled on $2,700. They took my money filed with the court to stop foreclosure and reinstate my mortgage, the Judge approved it. Three months later they tried to sell my home at Sheriff Sale on the Foreclosure they had the Court Stop.

I was sent a letter with a contact name of bsi csr. When I called and wanted to talk with ** I was told that she no longer worked there, that she had been gone at least week. What's up with that? I was told another csr was handling the loan his name is ** and I left him a voicemail, it would 24 to 48 hrs.

I had a loan with Flagstar Bank and in the middle of a loan modification, my loan was sold/transferred to BSI. I had to start the entire application for a loan modification over. I had a hard time getting in touch with representatives at BSI. I had at least 4 contact people and the one person that I had talk to the most was very nasty, very impatient and unsympathetic to my situation. I need assistance with obtaining a modification based on the loan type I have is an FHA.

November 1st my mortgage was transferred/sold by Bank of America to BSI. I had fallen behind on my mortgage payments due to my fiance losing his job and not being able to find a full time job for 6 months to a year. I was about 2-3 months behind but once he started working I paid every month. I called BSI and made a payment in November over the phone. I called in December to make a payment and was told that they could not accept one payment but could only accept ALL the months that were in arrears. Thus began my frustrating journey with BSI.

Just to reiterate what others have said about BSI Financial, this company is nothing more than a debt collection company disguised as a mortgage lender. How they operate is simple. They purchase "high risk" and "questionable" mortgages such as ARM's where they feel there is a good chance the borrower took such a loan due to financial difficulty. Then they INTENTIONALLY make it difficult for said borrower to make the payments on-time. Late fees are accumulated and they collect hand over fist. They intentionally leave payments unprocessed, then deposit them late.

I too have been subjected to BSI false accusations of no payment received. I use online bill pay and starting Feb 18th began receiving phone calls and statements saying they had not received my February payment. My payment was made on Feb. 11th. I called on Feb 19th and was told (didn't ask for a name this time) it was a problem on their part, so I foolishly thought the problem was done. Began getting mail about foreclosures and such. I called on several different occasions, spoke with several different people, got a different explanation each time.

The customer service with this company is a new low, I have never dealt with anyone of this caliber before and hope to never do it again.

As you all know by now, calling BSI Financial Services, faxing BSI Financial Services, and leaving voice mails for BSI Financial Services will get you nowhere. CONTACT YOUR STATE'S DEPARTMENT OF FINANCIAL SERVICES! They will help you! This is VERY important because BSI Financial Services lying about you paying late, screwing with your escrow, etc. can have very serious consequences such as you paying hundreds or thousands in made-up fees. You can even lose your home because of BSI Financial Services, even if you pay on time every month!

So it started in January of 2015 when I realized that my check for January payment was not cashed and the 15th was approaching. I called BSI Financial to inquire and they told me that they had not receive the check and that I would be charged a late fee if they don't receive it by the 15th. I had to cancel the check and pay online hoping that they will take the money out of my account, but as the scammers they are, they didn't. Their record online indicated that I paid, however they didn't take the money out. When I called them they told me that their system had a glitch, but I still would have to pay the late fee. Because of this I had to pay my January and February mortgage together with the late fee added to the January payment.

I have tried to call this company many times. Didn't, have not gotten anywhere with them. Told someone will get back with me. Well a week has gone by and no one has even bother to us back.... I did call the BBB and was told BSI FINANCIAL SERVICE RATING is a D-, not SURPRISE.

BSI financial is attempting to make money on fabricated late fees. Once you send mortgage payment they deposit it late after 15 or after 27 days then they claim it's late. Or BSI says they haven't received it. If you cancel it's another fee.

Numerous Issues. The phone number on their website doesn't work and is disconnected. Can't log in to make any web payments. Sent them my payment from my bill pay on the 10th and they never got it, when I questioned them they indicated they were having problems posting payments and were able to give no good reason as to why. They sent me a letter stating they were dropping my escrow - then sent me a letter retracting it a month later. Can't get thru to them on the phone. I feel like they are in way over their heads - as numerous mistakes have been made - and they are not equipped to deal with the volume they have with reference to posting payments and just account management in general. This has not been a good experience - it has been terrible.

On February 18th I notice my monthly payment for BSI was not taken out from my account. I use online banking with my bank and they cut a check on January 30th and mailed it out to BSI Financial services, P.O Box 660605 Dallas Texas 75266-0605. I called customer service and spoke to Casey ** who claims she is the Manager of that department. I explain my situation to her and ask her "if I put a stop payment the same day and give you proof where I made the payment on time will you be able to waive that late fee?" Casey said that's not her problem and as long as they did not receive the payment she cannot do anything about it.

I was an initial client with Citi Financial since inception... 2003. I did a loan modification approx 4 years ago with Citi. Then...POOF! I received a letter that my loan was sold to BSI. I verified with Citi and all confirmed legitimate. I have never missed a payment with BSI sending my payment through online bill pay. As another stated payment is due on the 1st of the month and a grace period until the 15th of the month.

This is the worst company I have every dealt with! My loan was just transferred over to BSI. I have left 3 messages and sent 3 emails to the account manager. As of date, I have not gotten any responses back. I have never dealt with a company that is so unprofessional. It seems all they care about is getting the payments on time. If NOT, that is when you will hear from them.

Got a 1099-c form on mail. Said the foreclosed home amount had been forgiven and account closed, and that I had to count the money as income for taxes. Looked up on my credit report and found that not only is the account not closed but the company changed names from BSI MTG (where they closed the account on April 30, 2014) and then reopened as BSI Financial Services and now have this account listed there as being opened. How if the account has been forgiven can it still be an open account. These people just want to rip off people. Now I'm stuck with a tax bill of $25,000 with no hope of being able to pay the money. I know if a class action law is brought to this company you can count me in. I will be getting legal counsel.

I have been trying to obtain a modification from Bank of America for over a year now. In October they sold my loan to BSI Financial Services. They took almost 3 months to tell me that I was denied one week before my sale date. What kind of company does that? Why are they allowed to do this? I had to call them and they told me that verbally. I have not even received a formal letter. What is this country coming to when the bank will not honor their own government plans pertaining to the consumers. I call the consumer financial protection bureau to have them investigated. Please let us file a class action suit against this bank. We cannot afford for them to take advantage of us this way. And we need to write every government agency and get our congressman aware of this company. These big bank send their loan to them so they cannot help you.

Our BofA loan was sold to BSI during modification which seems to be a common theme. Then the harassing phone calls began 5 times a day until we filed bankruptcy. We attempted multiple times to modify our loan, faxing 30+ pages, waiting, then we're told "too much time elapsed so please send updated info." This got us nowhere.

Bank Of America sold our loan to BSI in November 2014. BSI sent information to my fiance's x-husband's address instead of the house where the mortgage is and we reside. No notification from BofA whatsoever. As soon as we found out this information we researched BSI and came across numerous complaints. Immediately, we started paying the next month's payment at the beginning of the month instead of waiting until the due date. We paid by phone along with a $20 processing fee, which shouldn't have been charged for NC.

My account was sold from Citi Financial to BSI Financial and this has been a nightmare so far, can't get monthly statements and can't get my year end info even online for my taxes. Further if you call customer service you can't understand them cause they don't speak English. Have complained several times but still no improvement. Looking into refinancing my loan due to this. Worse Mortgage Co. I have ever had to deal with and I deal with a lot of them in my job.

I have a loan with this company at 14.25% as a second mortgage, yes, it was 2007 and I was an idiot. I have paid this loan and have been making additional payments for some time now. EVERY MONTH I have to call them to apply the extra payment correctly. BSI is not easy to communicate with. They never answer an email, and given the fact that they are east coast - I have to call by 6 PM this time or year and 5 at other times. They usually call me back right after lunch. Waste of time, I have a real job and I am busy doing work all day. Ultimately I have to call them and no matter who I get on the phone, they act like I am the only person in the world that is trying to pay my loan off early. Liars and crooks, that is all I can say.

I have had the same problem as everyone else on this site. BOFA transferred my mortgage to BSI for servicing. I believe Freddie Mac the investor sold my mortgage as well but I can't get any information. BOFA told me all my documents they had to do a mod would be sent to BSI. The first person I was able to get a hold of at BSI told me all I would need was a Hafa document. Now his manager tells me I need 18 documents. They rejected my modification in 24 hours. My house is in short sale at this point but it takes a week to get anyone to call you back. They take LONG vacations. I would be interested in a class action suit as well. Don't think they are servicing me or my home. Their investors probably have no idea what they are doing.

Looks like I'm the outlier here. I went through my modification process and it was processed in about 2 weeks. Compare that to 3+ months with Bank of America. Also, my customer service rep Joe was such a sweet guy and always there to help. I wish my daughter would find a man like him.

Same thing after 3 years trying to do modification with BOA I receive notice it is sold to BSI then BSI calls and send them proof that the principal amount is incorrect and so are the payment amounts. Scott ** doesn’t handle it anymore, some guy named Paul handles it and he wants all info resent to him then says I am too aggressive and hostile, he will send email. They paid pennies on the dollar for the mortgages and then want to charges us extra in fees and fines. Please everyone send documents and letters to the white house telling President Obama that BOA is about to cause the housing market to collapse again because of unethical practices with BSI. Also please Contact the Consumer Financial Protection Bureau and The Office of The Comptroller. I am trying to start a class action suit so please notify me at the email listed.

I am in the same boat as most of you. BOA approved my modification and two months into the trial, I get the letter that BSI was now servicing my mortgage. I received the initial letter in October. I called them as well as BOA from to confirm the letter. BOA seem surprised at the selling of mortgage, and of course BSI could not tell me anything because they said they did not have all of the paper work yet, but of course they would honor whatever I had in place. Also they said that they would be sending me paperwork. I finally received paperwork from them in November, November 12 and again November 21. The November 21 letter had the payment amount along with the payment billing info which was all information prior to my modification. Of course I immediately started calling them to clarify this, and the games begin. The no answers, the long holds, and eventually, when I spoke to my "rep" Ross, he didn't even have anything and tried to tell me that the trial amount was so low because it did not include taxes or insurance. If anyone has a good lawyer, please let me know. I think I/we may need one.

I want to know how they get away with taking people's homes away. I have been trying to save my home. I asked BSI if they would accept Keep Your Home, CA. They said yes. After qualifying, BSI said no they changed their minds without giving a reason. Can anyone help?

Last Oct 2013 I received a call from BSI that I need to pay them because CitiMortgage had sold them my house loan. I called to CitiMortgage to verify because I paid my Oct payment to CitiMortgage. Citimortgage told me that they forward my payment to BSI. From Oct 2013 till May 2014 I don't have a problem but starting June 2014, BSI called me, they asked me if I have a house insurance. I told them "yes I will give you the phone number" which is Farmers Insurance, then after I talked to BSI I called Farmers Insurance to let them know and I gave BSI phone number. After an hour Farmers Insurance called me and told me that everything is fine. After a month BSI called me again, they're asking about my house insurance again and I told them my insurance company fixed the problem. BSI told me they will do the escrow analysis. Sept - I received a refund check from BSI that I overpaid then after a week they said I need to pay the balance so I pay them the balance.

BSI does not answer the phone. They only have an answering machine which I guess no one checks because I have yet receive a call back from this servicer. My mortgage was being service by Bank of America and as soon as my modification was approved it was sold to BSI. Coincidence? I don't think so. What are these servicers trying to get around to? Let's all get together and find out. I think we should all unite and file complaints with ** so that they are accountable for their service and the way they do business and so that we can close the loophole the law has left out there.

BSI Financial is horrible with customer service. None of the representatives want to do their jobs. I have attempted to get a modification of my mortgage yet even after sending all the necessary paperwork multiple times, I have been denied. I was recently told that my home would be up for sale due to foreclosure as of 10/1/2014; however, when I called BSI today I was told the sale was pushed to November. I also checked public records in my county and it showed that they tried to sell my property in September, a month before the date I was notified for, and they got no bids. Now that I'm aware of the situation no one wants to speak with me.

BOA bought my loan from Countrywide but I filed for bankruptcy in 2009 after divorce and included my house. After the debt was wiped, BOA sold the property to BSI. They've been harassing me for years and have even called my 11 yo child's cell phone refusing to tell me how they got her number. I've called them several times explaining about the bankruptcy and told them to foreclose the property which is what BOA started after the bankruptcy. BSI bought it, took it out of foreclosure and has been harassing me to short sell to save them money. They are trying to force me because the deed is half mine and half my ex. They won't even call him. They claim foreclosing is the only way to stop this harassment which they refuse to do. Seriously? How is this legal? January will be 5 years since the BR and the BSI animals are still harassing me. Again, how is this legal?

My 7-year ARM loan has come to an end, but BSI never sent any info about the rate change or the monthly payment. When I called, nobody answered, and when I persisted, finally, after 38 minutes of listening to the music, lady answered, but was not much of an help. She told me I had to talk with my "agent" (I didn't know I had one), but the "agent" was not in office, yet I could leave a message, which I did. The agent never called back after I left two messages, and 5 calls. My issue is still not resolved. The worst company ever!

This is the worst company ever. They will try and scam. They call, say that they never received your payment even when they have. They will not send you monthly statement, they cannot answer your questions, they will raise your mortgage, not tell you.

My mortgage was sold to BSI, what a nightmare. I have been trying to make my 1st payment on my loan modification since last week. I normally pay my bills online so that I have a good record and no one can say that it was not received. However BSI does not have that ability. So I tried to make a payment by phone so that once again I would have verification. The number that was provided on my payment instructions (once I got through to a live person) said that they do not service my loan, another office did. They transferred me and after I went through the menu I was told to leave a message. No one got back to me. When I used the extension for my loan rep. I was disconnected, not even went to voice mail.

I have paid my bill every time and on time. The other day, they called me on the 13th and said they have not received my payment. I told them that my payment was not due until the 15th and I always pay it on the 14th through my payment service. The reps indicated that is was overdue since it was due on the 1st. I told him that I was not technically in default until after the 15th so why in the hell was he calling me to collect especially since I have always paid on time and on the 14th. He could not give me a good answer other than from BSI perspective that I was late. They again called me on the 15th and wanted me to pay them and told me to pay my overdue account. I told them it was delivered on the 14th so they needed to check their mail. He continue to ask me for payment and I just hung up on this guy. What a horrible company.

Was having trouble on BSI Web Page trying to make payment. By the way they charge 10.00 fee to make payment on their site. If you call in CS to make payment its 20.00. I asked if the fee could be waived - No. Have you ever heard of such nonsense?

Got a Deed in Lieu through Carrington Mortgage, papers filed and on record with Cleveland Cuyahoga County Auditor's Office. Bank of America owns the property, said they were sending a $3,000.00 check for moving expenses. Haven't received it but we got a Mortgage Statement and keeping bills from BSI Financial to the effect that they bought our mortgage from Carrington Mortgage. We do not own the property, haven't lived there since May 30th 2014 and BSI keeps harassing us. What do we do, any advice would be of great help?

If you think it's bad with how they treat customer, try working there. That office is terrible! After working there for almost 1 year, I got pregnant and have been having multiple issues. I've gave them multiple doctor's excuses stating I cannot work like I use too. I filed unemployment and guess what, I was denied?!? Why, because they stated I NEVER gave them any paperwork stating this. Are you kidding me? Get out from that company while you can. They do nothing there. Your checks will be sitting in the office for days before being applied giving you late fees. They don't care about anyone's financial issues!

How are these people still in business? Add my name to any class action lawsuit that comes down. I received a letter from Carrington Mortgage in early June 2014 saying my loan was sold/transferred/assigned to BSI beginning July 1, 2014. I never received anything from BSI in the mail with a new account number, remittance address, etc. Finally on July 10 I called about it. The first person I spoke to was Angela who was very nice and told me my account number hadn't changed and that my payment was the same as well. She also said I should be receiving a letter any day detailing this information and how I'm protected under RESPA for 60 days.. Cut to July 21 I receive my first piece of correspondence from them saying I'm late and owe them over $3,200! This is way higher than my normal payment.

If you have ANYTHING WITH BSI, start trying to refinance with another company TODAY! My land contract was sold to BSI and it has been nothing but a nightmare! They claimed they did not receive payments after they had cashed the payments. They received the payoff 6/30/14, are claiming it was 7/10/14 and I owed $334.99 left for pay off that they took out of my escrow account. I would call and be on hold for 15-20 min at a time. My credit union agreed that BSI was the WORST company they ever dealt with.

The owner was already approve for a loan modification last year by Wells Fargo. During the trial period, it was transferred to BSI Financial, last October 2013. All the payments to Wells Fargo was returned to the home owner. We started applying again for a loan modification with BSI. The person who was handling this file was Ivette **. She quickly denied our application, when I asked her why would WF approve them before if they did not qualify? Ivette told me that WF and BSI have a different way of reviewing their files. Also, she asked for $60,000 proof of funds to be sent to them in order to review the file again. I was surprise and did a lot of research.

This BSI company took my loan from BofA, or should I say after years of dealing with BofA, and the fraud that was done on my loan. They chose to dump me to get rid of me. BSI advised me from the start that they are unregulated and the rules do not apply to them. They have told me that I would not get a Obama keep your home type. All I can count on is 5.5% and they are really trying to push me to use Keep your Home California, to help me stay in the house or get relocation help. So, in other words they want the tax payer to help them get me out of this house.

River Community Bank sold our mortgage to BSI Financial. I thought River Community was bad to to deal with, but BSI is even worse. These companies are committing fraud on us homeowners. Since we moved and closed on our home in 2009, we have never received a payment book or statement for our home. We tried to set up an online service to have house payment drawn directly from our bank account to their bank for payment. No such luck for either company. We have an escrow account for our taxes and insurance to be paid directly to our businesses. I have had to make several calls because River Community and BSI never made payment to these places. Then I look in my local paper and my name is in there for not paying taxes in my county. HOW EMBARRASSING that was to me. My friends and family saying man he is not paying.

We didn't ask for BSI Financial Services. They bought out the servicing of our loan and have been a inept from the most basic of tasks (answering the phone) to the most serious of tasks (accepting our payments). They screw up your escrow, your payments, you never get return phone calls, and they act like a Boiler Room operation setup to screw people with unjust late fines and service fees. I actually don't blame the employees as there appears to be 7 of them in the entire company. They are probably overworked and don't realize they are involved with a shady company. They are a debt collection company for a reason. They have no business servicing mortgages; I wouldn't trust them to service my loan.

After 11 months of trying for a modification with citi mortgage, I was finally informed I was approved. While waiting for paperwork that same week I was informed my mortgage was sold to BSI. BSI bought my loan a year ago. I jumped through the hoops for a modification. I was given misinformation on several occasions. I made my trial payments and never received modif paperwork. The trial payment was less than a hundred dollars less than the original and still about 8%. Three months after my third payment, they stopped returning my calls. They did not have my correct information most of the time when I did speak to someone before that. Now a year later, they have sold my mortgage to someone else. I give up.

BSI Financial took over servicing our loan after it had been sold 7 times. We have had nothing but trouble with them. Whenever we've attempted to call BSI Financial, no one answers. Every time you call they make you leave a voicemail and they do not return your calls. Recently they transferred our service to another company and never bothered to pay our homeowners insurance from our impound account which we pay into every month and had excess. We were notified by our insurance company that our insurance was never paid and would be canceled in 3 days if we didn't pay it.

My loan was sold to BSI Financial Services, from BofA in May of 2014, while in the middle of negotiating a Short Sale in Deed of Lieu. When BSI took over the loan in April of 2014, they informed that they do not have a SS department. They do not know what they are doing. The Accounting Manager does not have a clue. I was informed they are a legitimate servicer, and that they can service mortgages. They only are a relay for the investor. My loan type is FHA, and I can tell you that they have done the steps necessary by HUD to settle this SS started with BofA.

This company received my loan thru a purchase of Bank of America. I have tried numerous times to refinance my loan due to a divorce. My ex stop making payments on the loan while he lived there until our divorce was final. BSI will not even consider modifying my loan and said it's not in the best interest of their investor. So thus I am having to lose my home and move. Luckily I do know some laws in the real estate that since they haven't foreclosed upon me, I can stay in my home... If I file bankruptcy it's an automatic 6mth stay min in the courts (which I don't want to do). I'm trying to get a deed in lieu so at least my credit will some what be protected..... This company is nothing but a glorified debt collector not wanting to help anyone.

I have been working with BSI for the past 2 months. Bank of America sold my loan to BSI. It has been a nightmare. I don't even know where to start. I submitted a full package with my financial information, so they could review me for some assistance. A few weeks later I was mailed a letter stating that I was denied. When I Called them, they told me that my income was not enough. A few weeks later, I rented out a room and had an increase of pay. I again submitted a new application as my financials had changed. Today I spoke to Steven (who's a real Idiot). He had the nerve to tell me that per the investor, they were denying my modification due to fraud. He insinuated that I had manipulated the numbers, when clearly it shows on my bank statements that these are direct deposits from my work.

BSI Financial Services bought my loan from citibank, October 16, 2013. The biggest nightmare from the beginning. Citibank handled my mortgage without a glitch for many years. Instead of my payments going to principal and escrow, a couple of months my escrow doesn't show anywhere, now they are applying it to extra principal payments. They are not abiding by the terms of my mortgage and doing harm to the customers. I cannot afford these losses and my home insurance is always paid in full for the upcoming year. I need help so that my home is not foreclosed on as so many other that bsi did. Thank you so much for your help.

My loan with CitiMortgage was sold to BSI in October 2013. BSI never made my 4th quarter tax payment to the township and as a result I lost the tax write off for over $3500.00. I tried to get this resolved and they were unable to do anything to help me. When you call them, it takes forever for someone to answer the phone, and no one is able to answer your questions without referring to a supervisor. I truly wish that CitiMortgage still had my loan as I never had one problem with them.

I pay BSI to cover my taxes and home owners insurance in addition to my mortgage. I was having an issue at my home and needed to talk to my insurance company. Come to find out, I had no insurance because BSI had not paid out for 7 months. I had to get a new policy for $50.00 more because "I let it lapse". BSI States "Oops....sorry" and has refused to return my calls for 3 months!

I asked to speak to someone else regarding my loan. I wanted an explanation of why my mortgage payments increased, and who was the lender or investor of my loan. The representative Cassie ** told me she was the owner of my loan, and the responsible party of my file and that I could not speak to anyone else. BSI is the worst mortgage servicer I ever ran into, Cassie ** and her counterparts are very rude and unprofessional!

I'm Juan **. I been trying to contact BSI and they never answer. I left several messages. They forced me to talk with Casey. According with her she is the supervisor and can't talk with anybody else but her. I been overpaid every single month for more than 2 years, when I found out I asked why the extra money never was applied to my principal she told me that is my responsibility. I asked for my money back and they sent me a ledger. I added and confirmed that I paid more than $6,000 for the last 2 years. They only returned me $1,000. I been trying to talk with somebody else and not answer at all. They are stealing me $5,000. I request a prove of insurance for the condominium and Casey told me that she never going to provide me that letter. They really screw me up big time.

Unfortunately, another bank bought my mortgage from BOA and the incompetent folks at BSI Financial Services began to service my mortgage. It seems like every month there's a different issue with these idiots. One in particular was comical; they sent a notice on the 3rd of the month claiming that a late fee was owed. When I called they said they were simply complying with the new consumer laws that required them to notify customers that they were late. Ironically, that notification occurred only once and never occurred in subsequent months.

If you have ever even attempted to call BSI Financial, you'll immediately realize how screwed you are. No one answers, and if you do get someone, you get the same single person every time! 9 out of 10 times they make you leave a voic email and they do not return your calls. It took them 3 months to figure out how to set us up with automatic payments and they routinely claim our escrow is under-funded when it's actually over-funded! They're despicable and I have been in contact with my state's attorney general about them. It's all about a race to the bottom with this terribly managed scam operation!!

BSI contact me after two years when we filed in May of 2012 bankruptcy. Two years ago we were released from all debts from the courts!!! Now they are trying with threats to make myself and my wife to pay the balance of the mortgage!!!! We are both disabled!!! We are wondering why after two years what they are talking about!!! Our bankruptcy, it's all on record through the courts and we have been released. Please get them off our backs!! And no more threats. Please help us!! We are tired of all the phone calls every week and all the letters they are sending us with threats. We told them to check the records but they keep on pursuing us with all these threats!!!!!!

I have owned my home approximately 9 years. The mortgage company sold my loan and sold the loan to BSI Financial Services in PA. When payments were made over the past 2 years it was by cashiers check and mailed UPS 2 Day Air and signed for. At least 3 payments that BSI Financial Services received and cashed were not applied to my loan account. In December 2013 on paper they said I was behind on payments which I wasn't because the payments they received and cashed weren't applied to my loan account. BSI Financial Services began returning payments from that point on but waited at least 30 days returning the payment sent in December 2013 from when they signed for with UPS.

This company is completely incompetent. They did not pay my 2013 taxes, although the money was in escrow. I got a notice in July from my county saying my taxes were delinquent. I called BSI and sent in the notice. I was told they would take care of it. NOT. I received another notice, called and sent it in. Again I was told they would look into it and couldn't understand why the taxes hadn't been paid. Now the penalty exceeds $600.00 and there is a lien against my property. I did not pick this company, my loan was sold to these bozos. Ironic that BSI is a debt collection agency, but they are not paying the bills, just holding people's escrow.

House is listed and under contract for short sale!! Have closing date for sale from our lawyer!! BSI sent a work order to a property management company in New Jersey to our house on 2/26/14 and changed the locks on our house. While we are still living there. The guy just walked in the front door of our house after breaking the locks on the door, and told us we had to leave the property! We have not gotten any paperwork from our mortgage company which is Chase! This guy just about got shot by me when he basically broke our front door down! What kind of company do they think they are!! I know there are rules these banks have to follow when a home is under contract for sale. My lawyer is going to have a field day with this one. BSI tell us they know nothing about this matter when the guy they sent and changed the locks on our home showed me the work order with the name of the company in big bold letters. I thanked the guy for letting me make copies of his paperwork for our lawyer.

My mom's loan was transfer from Flagstar to BSI after she was deceived by lawyers who took $4600 from her to help her modify her loan. BSI got the loan from Flagstar for 141,000 in September of 2013 and now modifying the said loan for 160,000 in January of 2014. After doing my research, my mom's home is worth 127,000, so if she signs the modification she will be deeper under water. Now, my mother is an elderly person and don't know the mortgage process (Predatory Lending) so she send me all the papers for me to handle, only to find out that BSI is sending her statements that she owes 36,000 on the 141,000 that was owed to flagstar.

Worst company to deal with. BSI assumed my loan from Franklin Mortgage Credit back in July 2013. My remaining escrow of over 1600.00 was sent to BSI from Franklin. I have always paid my homeowners insurance myself separately. Obviously, that was not transferred with my file so BSI took it upon themselves to automatically deduct over 2100.00 out of my escrow account to pay homeowners insurance through their own company. They told me last August to send them paperwork showing I have homeowners and they would refund my escrow account. After many many phone calls, voicemails left on their "escrow department" answering machine and messages left with customer service reps still no response now 6 months later. Now I receive my annual escrow summary and now they want additional funds for escrow by stating I'm delinquent. I will be contacting a real estate attorney this week.

My Citimortgage mortgage was sold to investors and is now being serviced by BSI Financial. My mortgage is due on the 1st of each month. BSI called me 3 times on the 1st, 2nd, 3rd to harass me for the payment. I explained that I have used the 15-day grace period for 14 years and that I will not pay any earlier. I finally blocked all their numbers through Verizon. Now they claim that they did not get my check at all. Schwab sent the check in ample time to get there before the 16th. I think they delay applying the credit until the account is late to try and get late fees. They left the man from Schwab and I on hold for 15 minutes until we finally hung up.

I applied for HAMP from our servicer Citibank. Was turned down and immediately sold note to BSI. Applied for loan modification with BSI and applied to Keep Your Home CA for assistance in bringing payments current. Approved for 25K, BSI would not take money sold note.

My mortgage was sold to BSI Financial (mission to take your home, lie and ignore the customer) and was foreclosed upon by BSI Financial. I was in a so-called Loan Modification (LM) with PNC Mortgage for months and I filed Chapter 13 to keep my home. I am angry. US Homeowners, our US Government (HAMP) is not helping citizens, instead still letting these servicer/mortgage companies lie, ignore the LM agreements and continue to foreclose on our homes. How long are US Homeowners going to take this fraudulent treatment from mortgage/servicers? Oh yea, I have written or spoken to every government official agency including the US President and NO ONE has helped me. My next step, the US Court to get my restitution.

I think everyone needs to look into Citi. It seems loans are going to BSI just before or right at completing the modification. They tried that with me. I called every day all day until my loan was modified before reaching BSI. Citi tried foreclosing on me during modification so I had to file bankruptcy to stop the process. It took Citi two months after I completed the modification to get me the paperwork but of course since I had filed bankruptcy that was another issue. But after speaking with BSI, they informed me that unless Citi had completed my modification before they assumed the loan, they didn't have to honor it and that I would have to start over. I stayed on Citi ** until they got it done. Of course now BSI won't communicate with me although my attorney has given them permission. They won't even send me a payment coupon. They did send me one temporary coupon in the beginning so I made copies and that's the way I make my payments, bank certified check and registered mail, which cost me more but am covering all bases. Google the location in Tituvsille, PA and you will understand why they are so unprofessional.

I recently had my servicing transferred to BSI Financial from Citibank and I have been using a third party bi-weekly payment service (FNS Insurance Agency) for about 2 years now. FNS made my first payment to BSI and it was rejected and BSI alleges that I am late in my payments and that I owe over $8,000 to make my account current. I have tried calling the company "Customer Service dept" but no one answers. The recorded message then says "the company's experiencing busy calls and to leave a message". I did that and of course no return call. When I talked with FNS Insurance they said when they called BSI, BSI would not talk with them if a check was mailed and deposited, but no one there accounts for it - was it ever really received? (like does the tree in the forest make a sound if there is no one there to hear it)

In July of 2013, I was informed via mail by Citibank that my mortgage loan was sold to BSI. I had just completed my loan Modification terms and conditions with Citibank. When the loan was sold, I was completely done and sure that I would not have any problems. I was wrong. This company informed me that they never received any documentation from Citibank and refused to to accept my modification from Citibank. I asked the guy Donald, from BSI, in San Diego, "How does a Financial Company buy anything from anyone without history??? Surely you have my jacket/folder, after all, you have an account number!"

After negotiating with Wells Fargo for more than a year, I was finally approved for a trial loan modification last October 1. After I made my first payment, it was transferred to BSI! The lady Ivette ** told me that they will not honor the approval and I have to reapply. I did re-apply and was denied. She told me that the income is not enough and that I was not approved for the government program because I am upside down with the value of the house. Isn't it the reason why they created this program? To help the under the water homeowners? Everything that she was saying was not making sense. She is now asking me for a proof of funds for $37,000. Excuse me, if I have that, I will just move out and rent. She said that they will not review my file until I show them the proof of funds. Is this even legal? Please help me, they are trying to auction my house on November 25. Please!!!

My loan sold from Citi to an unknown lender on 12/31/2012. I had no notice of the sale beforehand nor can I figure out who now owns the note. I have contacts in the title insurance industry and there is nothing on my assignment of TD showing new lender. BSI denied my request to do a loan mod since I was in the middle of one when Citi sold my loan. I hired an attorney for $2,000 who got them to do a loan deferment agreement but BSI wanted $3,000 to do that upfront. I said I needed some time to gather the $$$ since I just spent $2,000 to hire an attorney. They said OK... I made my 1st mortgage payment right on time as I did the 2nd payment. But they refused the 2nd payment saying now I’m in "non-retention" again...

In mid-2008, Bank of America sold my mortgage to BSI before the end of the 3 months modification that we agreed on. BSI refused to honor the modification and sent money sent to them back to me saying, "No modification, either you pay all the arrears or we foreclose." So BSI foreclosed the house because Georgia law allows that. What I'd like to know, is Bank of America allowed to sell mortgages during modifications and why won't BSI honor the modification or believe in modification but only interested in foreclosures? Someone said some directors of BSI used to work for Bank of America buying underwater mortgages from BOA and making a killing in foreclosures. BSI is not even part of the Independent Foreclosure Review agreement and I wonder why.

On July 27, 2011, I received a Formal Forbearance Agreement with BSI Financial Services, which lasted 12 months. At the end of the 12-month period, BSI Financial Services notified me that that I was terminated from this program. I then was informed that I needed to pay them $16,000 to bring my account current (which was behind due to the reduced mortgage amount of the Formal Forbearance Program). I paid them the $16,000 in order to be eligible for the HAMP Program. I entered into the HAMP trial period in July 2012. I completed all of the forms, provided the required financial information, etc. The HAMP trial period was for payments to be made by the 1st of the month for three months: Aug. 2012, Sept. 2012, Oct. 2012 and Nov. 2012. All payments were made and received by BSI according to the contract terms.

I was paying my mortgage through New Jersey Law and Public Safety Credit Union bill pay. During the process, NJLPSCU changed bill pay. Their bill pay claimed I owe money to Wachovia, which Wachovia paid. I resolved the issue in 2010 and I am still being demanded $110, which Litton Loan never received in 11/11. As a result, my mortgage is messed up. I sent 2 checks to BSI Financial Services (one for $1,350 and $707) because I called and was informed that since I had been making payment on time, to send the money without the late fee. I sent it and BSI sent it back. They now sent my account into foreclosure and demanding attorney fee. What recourse can I take?

So far, some idiot that is the negotiator has denied more than 4 offers on a home that needs over $22,000 in repair due to Chinese drywall. Inspection by a licensed contractor was made and estimated the repairs at over $22,000. My offer was made from the asking price to reflect the amount of costs FHA would pay for. This is for a family needing an FHA Loan and to fix the home. They will do an FHA 203k that allows them full repairs. They refuse to do an appraisal, like most banks do before they get an offer which is just ridiculous.

Unresponsive! They are the worst company to have a mortgage with. One phone number, no tech support, do not return calls, do not send out informational packets. I could go on and on. Please make sure to submit your reviews not only here but on the BBB website. That is where it really counts.

Looks like a common theme going on here with BSI/Nu View - a reoccurring nightmare! BSI became my service provider after a private investor purchased my mortgage note that was in foreclosure with City Mortgage at the time. All the reports of not being able to connect with anyone or have an accountable, competent conversation with these folks is spot on! I was days away from my family's home going to a sheriff's auction when I finally managed to strike an in-house loan modification with them. And then the fun begins.

BSI/NuView contacted me about my mortgage which they had just bought from Wells Fargo. The person who first called me gave me false hope as to helping me with my mortgage payment that it could be determined by today's market value which would make my payments much less than they are now. I am behind on my mortgage because of a very nasty divorce. I was very excited to have a company offer to help me out so I could keep my home for myself as well as my 2 minor children. Then out of the blue, I got a call from Don who told me that nothing could be done so they could approve me for relocation money of $15,000.

BSI Financial unfortunately took over my home loan with Wells Fargo on 07/20/11. It's been nothing but problems since then. The first issue was that I was unaware that BSI had taken over. I kept getting calls from NuView whom I had no idea who they were making threats, and asking me if I made payments to BSI. BSI and NuView seem to not communicate and often neither has any knowledge as to what is going on.

I am an attorney in Georgia handling a case where BSI got a mortgage from GMAC that was only a month in arrears. BSI then gave the homeowner the runaround for three months and returned the check they sent in. Each person they spoke to was no longer available in the next call. Homeowner had to call and call and call. One operator asked for all kinds of documents to be faxed. They were faxed and then nobody knew anything about that in the next call. By this time, with no notice to the homeowners, the mortgage had quietly been transferred to RWLS and foreclosed! Sound familiar? If this has happened to you in Georgia, feel free to contact me at **. I would love to hear your experience!

I received a collection letter from BSI Financial Services, Inc. in June 2012. The letter states that I need to pay them $24,575.32 for a mortgage I had with GMAC Mortgage. I called GMAC Mortgage to ask them about BSI and the customer service rep told me that GMAC was going through a bankruptcy or something and that they charged off my second mortgage. My understanding of a debt being charged off is GMAC cancelled the debt and decided not to try and collect it since they were going through their bankruptcy procedures. I had the second mortgage with GMAC starting in 2005 for $24,000. Now, this BSI company is telling me that I owe them $24,575.32 which is a lot higher than the original debt I had with GMAC.

BSI is the worst mortgage service I have ever had. They don't return phone calls, hung up on me before I could even talk to anyone, never paid my taxes on my home until the county was knocking on my door, then doubled my monthly payment to compensate for their mistake and did that for four months. Now, they're doing it again. I can't get nothing resolved. They even don't answer the phone or drop your call. I just got another double payment in mail and have tried all day to get some answers and can't get them on the phone.

Our mortgage was recently transferred to BSI Financial Services. No welcome packet, no phone calls, no and paperwork from BSI was received. All of a sudden, I am receiving notices that my mortgage payment is late. I left approximately 12 voicemails on the one phone number available on the website and the notice. I ran into issues logging into the website. I continued to call, received not one phone call back.

My loan from Aurora Services was recently sold and now BSI is supposedly only servicing the 2nd mortgage. I have yet to call this company and get a human being. I literally had to track down the phone number of the president's office, which was useless. They don't care, they are horrendous in every way. You leave messages after messages and they never return the call. When they do, it's too late. I have never dreamed of having a company like this handle my loan. And I will be reporting them to the OCC and any government agency willing to accept a complaint. This is just awful. Now, I'm scared about my escrow money and insurance as all I read is horrible things. My only hope is that they are investigated and shut down. Until then, I have reported them to other agencies and I believe others should do the same. They must be made accountable.

Since November of 2011, BSI Financial has been our mortgage servicer. They acquired us from CitiMortgage. I was laid off for almost a year and got behind. I tried to work with Citi, but to no avail. They put us into foreclosure. BSI wanted us to do a short sale, but I was still fighting to keep the house. I filed motions and deed transfers and eventually gave up. Christopher ** contacted me and we began to put together a deal to get the house listed. One realtor fell through and I was told that he would get another. Some time passed and there was an impending sheriff’s sale. I contacted him and he acted as though he forgot. Next day a realtor called me; we got together, signed the paper work, and sent it back to him. Christopher told the real estate agent that he postponed the sheriff’s sale to give us time to short sale the property. I received a letter in the mail that the house was sold at auction on the original date and that it was now an REO. We had an accepted offer on the house; however, it will now be on my credit as a foreclosure.

My husband and I were with Bord Gais as they offered cheaper electric bills. The bills got increasingly higher so we switched back to ESB and were paying the bill weekly as best as we could. BSI took over the debt and we had had over three phone calls a week. The bill is at 34 euro. This is a disgrace. Neither I nor my husband are now working with four children, three of which are under the age of 3. I really hope somebody can do something about this as I am under so much pressure to pay our bills. I'm worth more dead than alive!

I have a very serious problem with NuView/BSI Financial regarding my current mortgage. They acquired this mortgage from CitiMortgage last August. I was in the process of a repayment plan that included $5900 worth of past due mortgage payments amortized over a 12-month period. I have made all of the payments on time and have completed the plan with documented payment history from Citi. BSI has been submitting past due notices since last October claiming that I owe them initially $7600 and then $5400. I contacted them immediately and have been working with Freddy ** (NuView) to identify where this amount is coming from. Mr. ** has been researching this for several months and each time he tells me that it must be unpaid fees from CitiMortgage. I provided him with proof of payment, CitiMortgage repayment agreement and cancelled checks.

BSI Financial Services took over our loan from Wells Fargo in March or April 2011. Ever since then, we have had nothing but problems. We have always escrowed money for taxes and insurance and since BSI took over our loan they have not yet paid our insurance premium. We found out through our insurance company that we had no coverage (through a hurricane) and our two vehicles were also not covered as they are tied into our policy and they would not let us pay part of the premium due. After many phone calls to BSI and MCM Capital (the main lender), nothing has been done.

My escrow account has not been managed correctly since BSI Financial took over my mortgage. Every bill for insurance and taxes has gone unpaid unless I hassle with multiple phone calls. I have called 12 times to try to get my recent home insurance bill paid. They never actually answered the phone. They just sent me to voicemail. I have not received a call back from BSI, even though I left 4 messages. I finally just scheduled a bank payment from my checking account. This is the worst customer service I have had in the 9 years since I have owned my home. I pay my mortgage on time every month. I am seriously considering refinancing just to get away from BSI.

Mr. Downs initially applied for a mortgage modification and was denied because he could not provide the documentation fast enough. Mr. Downs does not have access to or own a fax machine or a computer and was repeatedly told to fax or obtain information off the internet of which he could not do. We applied again in February and was working with Latasha Garret who said she would submit our req for modification. Several weeks into that and calling to check status Latasha Garrett was MIA and no one could find Mr., Downs file.