XXXX sold my mortgage to BSI 8 months ago. I was working on a loan modification with XXXX before they sold my mortgage which was quite time consuming. Then the nightmare of switching companies began. I never received anything from BSI until XX/XX/XXXX. They gave no real information just sent a generic letter saying send money thru XXXX XXXX. I immediately thought this is a scam. After a lot of work on my part I was able to talk to someone at BSI about my loan and XXXX XXXX is who I spoke with and she sent out information. She told me how they were going to help me modification will be speedy process. 

Now it is XX/XX/XXXX and I send all the paperwork in to her and then she tells me I need to send more or it will be rejected by XX/XX/2015 I send everything in before that date and they have it. I get a call saying it is be reviewed by the investors and I will know in 30 days. I hear nothing from them so I call my point of contact XXXX XXXX who tells me I never sent the paperwork in. I tell her I did and received a call. She tells me I am wrong then places me on hold. When she returns she states I was correct and she has the information and will send me out a form confirming she has it. I told her your date will be past the due date and she stated it was just to confirm she had everything from me. On XXXX XXXX I received a call from a seperate department telling me my payment was late and my request was declined. I told the person I was talking to that I had no notification of this and she said XXXX is going to mail it out to you. On Monday XXXX XXXX there was a XXXX envelope with the letter inside and another one saying I will be charge a late fee for my mortgage. My payment was not late and I called leaving a very nasty message. XXXX XXXX called me at XXXX stating she was wrong to send that and that my account has never been late verbally but nothing in writing. I was told I have until XXXX XXXX to dispute their finding. I think it is funny that they give you a week but never do what they promise. They said no because they are using Gross Income and not our Net Income. 

We just want our payment lowered so we can buy food to eat really the XXXX payment has our DTI at XXXX % but they are using the Gross Income of XXXX % to say we are fine. This is not the case. 
