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At each of these inspections, there were violations of the New York Property Maintenance Code. Web: angeloakms.com. No. may be available from PACER. The plaintiffs holds Servis One Inc. responsible because the defendant allegedly incentivizes its employees to force borrowers out of their homes or force borrowers to agree to loan modification terms that are beneficial to the defendant. While we regret any instance in which we did not comply with a regulatory requirement, we believe those cases were isolated incidents and have been resolved in the ordinary course of business, the company added. 5481(6) in connection with the offering or provision by such covered person of a consumer financial product The CFPBannounced Wednesday that it had concluded an investigation into BSI Financial Services. that loans you money. No. BSI Corporate Benefits (BSI) is a fiercely independent national employee benefits consulting firm. Just file a Complaint with the Consumer Financial Protection Bureau as soon as you start having problems. 4.1/5 Very Good! They acquired servicing from Flagstar. One of the best Financial Services, Finance business at 314 S Franklin St, Titusville PA, 16354 United States. 20 Replies 3 Likes. Get more reviews from your customers with Birdeye. [21-20073] (CMB) [Entered: 03/02/2021 01:49 PM], BRIEFING SUSPENDED - reissued with special issues to brief. We will update you on newsroom updates. Dominate search results. Who's crazy enough to start this website? Everything you need to get started. 57. title-va@vrmco.com. If you want to republish the article Erie County, NY- Erie County Clerk Michael P. Kearns and the Western New York (WNYLC) Law Center Stay have filed a lawsuit against Servis One, Inc., d/b/a BSI Financial Services ("BSI") over failure to inspect, secure, and maintain a vacant and abandoned property in the Town of Cheektowaga under the New York Real Property Actions and . Start with our Collections Team at 800.327.7861. Who is ED Magedson - Founder, Ripoff Report. hour lunch, 401K plan . Labeled Verified, theyre about genuine experiences.Learn more about other kinds of reviews. If you've had trouble with your card, you can file a class-action lawsuit to get your money back. All business will get complaints. Printer Friendly View Address: 314 S Franklin St Titusville, PA, 16354-2168 United States . Complaints Management. In 2000-2001, the Veterans Administration, Department of Housing and Urban Development, and Fannie Mae approved BSI as a loan servicer. It is recommended that you speak with an attorney who can evaluate your situation individually. In addition, those who paid off their mortgages faced significant delays with escrow refunds and issues with BSI claiming the accounts were late or delinquent when checks had been mailed and cashed. BSI Financial family of companies provide technology and outsourcing services to lenders and asset management firms in the residential mortgage sector. READ: Foreign websites steal our content, Click Here to read other Ripoff Reports on BSI Financial Services. The Newsletter Bringing the Legal System to Light. Say we owe over $22,000.00 for the rest of their so called contract !!!!!! 11(a); 11(b); 11(d).) So I just assume it's a denial. Learn how your comment data is processed. Advertisers above have met our Our professionals combine innovative thinking with our unrivalled first-hand industry knowledge to offer our clients consulting expertise, complex technology and package integration, and . Benefits. BSI Financial will try to say you don't have insurance to get you to use their insurance which is much higher. Disclaimer: Justia Dockets & Filings provides public litigation records from the federal appellate and district courts. 110. FROM MANAGEMENT TO THE WORKERS.i, Brian Taylor - Ameriprise Financial Advisor. Hiding negative complaints is only a Band-Aid. You can mail a payment to: BSI Financial Services P.O. https://www.ripoffreport.com/reports/bsi-financial-services/irving-texas-75038/bsi-financial-services-gagan-sharmajordan-dorchuckjohn-lawrencemohit-prathanmichael-w-1437567. The latest litigation cases involving the company BSI Financial Services Inc. () Not perfect place but working to address the shortfalls. A payoff letter has to be ordered a minimum of five business days before your payoff date and it must be in writing from BSI. You can also mail general correspondence to: Customer Care BSI Financial Services P.O. Lawyers will investigate whether BSI violated their obligations to you and caused you harm by doing so, what amount of money was involved, and what evidence you have. Furthermore, the company failed to honor loss mitigation proceedings. BSI reports that these are typical fees associated with new home loans: Appraisal: $350 to $550. It may not be copied without the written permission of Ripoff Report. This is a question for a lawyer. But if there are a lot of people who have $10 of damages and it is multiplied by 100,000 people, then the total damages are $1 million. Previously, Daniel was a Custo mer Service Manager at BSI Group and also held positions at Texas Health and Human Services. Sweet and Kevin Abramowicz of Carlson Lynch Sweet Kilpela and Carpenter LLP in Pittsburgh. Get Directions. Wrongful Foreclosure Filing Titusville Pennsylvania, Atlantic Pacific Mortgage BSI Financial Services Creative means of Financially raping customers 314 S Franklin Street Pennsylvania, Atlantic Pacific Mortgage Uses BSI Financial Services to RIP OFF Customers. the CFPB also noted that BSI Financial Services failed to recognize that certain loans were already in loss mitigation proceedings. If they agree that there was wrongdoing the attorney might represent you. Per Curiam:* After defaulting on her mortgage, Angela Cao filed lawsuits against BSI Financial Services, Selene Finance, L.P., and MTGLQ Investors, L.P., who were at different times the mortgage servicers for the loan. I am now back working and will pay all of my pass payments current. Rocket has a plan to drastically cut costs. ASK your mortgage company who services their loan and if it is BSI Financial go elsewhere. 21-20073 (5th Cir. BSI's has consistently failed to correctly post the monthly payments we tender each and every month, as well as failed to adhere to standard accounting practices. However, how you do this is based on many factors such as the fact you have for your loan. The company also failed to recognize certain homeowners were in the process of receiving a loan modification or had already received a loan modification. Information provided by various external sources. and Anor [2022] HKCA 1341 is welcome news for banks and illustrates the importance of inclusion of terms to limit the bank's duties in banking agreements. 573 0 obj <>stream BSI is owned by Service One, Inc. You might have legal protection if, for example, you suffered a. Mar 2019 - Present4 years 1 month. When the damages and a case are small, say $10, it doesn't make sense to file a lawsuit because the cost of the lawsuit is more than the $10 damages. Let us know. in "Colorado , Connecticut , Financial News , Florida , Illinois , Maryland , Massachusetts , MFI-Miami Blog , Michigan , Mortgage News , New Jersey , New Mexico , New York , Pennsylvania , Virginia , Washington , Washington DC , Wisconsin", Your email address will not be published. BSI definitely is a real company, but real companies sometimes do unfair things. BSI is headquartered in Texas with offices in California and Pennsylvania. were late or delinquent when checks had been mailed and cashed. | A mortgage servicer is a company which sends you mortgage statements, keeps track of interest, responds to questions, and, approved by Ginnie Mae. File your review. BSI Financial Services, Inc. et al, Court Case No. hR=HP^k Dp3NQs"8D`] This is the worst loan servicing company I've ever dealt with. Those deficiencies led to BSI not recognizing an unknown number of servicing customers who had an in-process loan modification or were engaged in pending loss mitigation activity and failing to honor those loss mitigation proceedings. This is a question for a lawyer. in Banks & Credit Unions. Lead Analyst Logan Mohtashami explains. The CFPB announced Wednesday that it had concluded an investigation into BSI Financial Services. As a result of the breach, six million Canadians are at risk of financial fraud and identity theft. BSI FINANCIAL SERVICES FOR 980 HAMMOND DRIVE SUITE 850 ATLANTA, GA United States. You can also make a, Yes, you can make a claim for compensation against BSI if you think you have been harmed. A counselor will listen to your situation and help you determine if it merits a short- or long-term solution. Subscribe to Justia's Free Newsletters featuring summaries of federal and state court opinions. However, how you do this is based on many factors such as the fact you have for your loan. I successfully steered the team responsible for the BSI ISO 10002:2004 Certification in Complaints Handling and Customer Satisfaction for FirstBank and was also involved in the project for the setting up of the Complaints Management Framework, Service Delivery Excellence as well as FirstCustomer (Microsoft Dynamics CRM) for FirstBank. Lead Counsel? I'm refinancing just so I won't have to deal with this company anymore. A Loan Servicer may manage loans that they themselves lent, or loans made by other companies. (Best view with screen resolution 1024*768 in . [21-20073] (Michael F. Hord ) [Entered: 02/09/2021 01:48 PM], APPEARANCE FORM for the court's review. No, although both are mortgage lenders. consumerfinance.gov/comp. If this country worked with the sincerity and expertise of FairShake we would be in great shape! According to the CFPB, BSI also violated federal law in the following ways: More specifically, the CFPB found that between September 2012 and September 2014, BSIs typical method did not include reviewing the loan data provided by prior servicers for accuracybefore on-boarding new mortgages on its system. You can also mail general correspondence to: Customer Care BSI Financial Services P.O. CitiMortgage ultimately transferred servicing of the loan to BSI Financial Services ("BSI"), effective September 22, 2015. The case status is Not Classified By Court. Lol. As a result, the company agreed to pay a penalty of $200,000 . They owe me over $5000 in excess funds from a loan that was paid off about a month ago. I cant say enough good about this company! Beat local competitors. If you have paid your mortgage in full a payoff letter will provide verification. 2023 FairShake. These filings and docket sheets should not be considered findings of fact or liability, nor do they necessarily reflect the view of Justia. Founded as Bank Services in 1986, BSI Financial Services. 2005 - Present18 years. 1425 Greenway Dr STE 400. You need to enable JavaScript to run this app. There may be more reports for "bsi-financial-services" For more results perform a general search for "bsi-financial-services" Showing 1-8 of 8 . This resulted in failures to recognize transferred mortgage loans with pending loss mitigation applications, in-process loan modifications, and permanent loan modifications; Handling mortgage servicing transfers with incomplete or inaccurate escrow information resulting in untimely escrow disbursements; Inadequately overseeing service providers, resulting in untimely escrow disbursements to pay borrowers property taxes and homeowners' insurance premiums; Failing to promptly enter interest rate adjustment loan data for adjustable rate mortgage (ARM) loans into its servicing system, resulting in BSI sending monthly statements to consumers that sought to collect inaccurate principal and interest payments; and. They were purchased in 2006. Will be used in accordance with our terms of service & privacy policy. Corporate Advocacy Program - Verified Status, How To Get Your Report Featured On All Report Pages. BSI did not properly maintain interest rate data received from previous mortgage servicers on thousands of ARM loans from September 2012 through May 2015. 314 S Franklin St, Titusville, PA 16354 United States, BSI Financial Services, founded in 1986, is one of the premier providers of mortgage subservicing, quality control and back office outsourcing services. We do know that BSI settled a class-action lawsuit in 2019 over delayed escrow payments, inadequate overseeing services, failing to enter adjusted interest rates into the servicing system, and making it difficult for customers to view their loan information. 108. You can pay BSI online with a one-time payment or recurring payments through the website by logging in to your account. B"Fqp+Ct\T Copyright 1997-2023 Ripoff Report. Box 679002 Dallas, TX 75267-9002 OR for overnight payments you can send it to: BSI Financial Services Lockbox Number 679002 1200 E Campbell RD, STE 108 Richardson, TX 75081. The . As a result of this, I will be filing formal complaints with their regulatory agencies in Pennsylvania (BSI corp HQ), Texas (main serving office), and Oregon (location of the subject property). 553 0 obj <>/Filter/FlateDecode/ID[<21804ED81941BA6F07887A76D447D657><1C58D967F73495498B90E0C9C1A5DC2D>]/Index[539 35]/Info 538 0 R/Length 87/Prev 904758/Root 540 0 R/Size 574/Type/XRef/W[1 3 1]>>stream The Court of Appeal's decision in Shine Grace Investment Ltd v Citibank, N.A. I am not understanding why they don't help people. The parent entity is BSI Financial Holdings, 2012. A payoff letter tells you what amount is left on your mortgage including any interest or fees. I've asked for loan documents to give to the new loan company and they say they've sent them when they haven't. BSI's has consistently failed to correctly post the monthly payments we tender each and every month, as well as failed to adhere to standard accounting practices. Please prove that you're human. BSI, for its part, noted that all of the conduct referenced by the CFPB took place several years ago, and said it settled the case to put the matter in the past. Throughout those inspections, the violations were the same, continuous issues, demonstrating that no work had been done to address the violations in the interim. Admitted Exhibits on File in District Court? Daniel received a Bachelor of . Operating Status Active. It has been reported that BSI does not follow the terms of home loan modifications, and the company has not always been clear when it comes to its policies and regulations. 4,713 . CFPB Accused BSI Financial Services Of Improperly Handling Mortgage Servicing Transfers. Apply for a loan online. Our innovative solutions help businesses like yours meet ever-changing payroll tax . Guide the daily assessment work including overdue audit management, resource coordination, customer complaints etc. Yes. Product safety and consumer law. West Palm Beach Florida, Tuffy Tire & Auto Service Center Mavis Tire & Brake Charged Nearly $700 for Non-Fix Bay City Michigan, Lighting New York lighting by Jared Sent damaged product wont refund after I sent back damaged product website description is fake, Tara U THEY SCAM THOUSANDS OF PEOPLE WITH THEIR FLOWER ORDERS. Click to share on Twitter (Opens in new window), Click to share on Facebook (Opens in new window), Click to share on LinkedIn (Opens in new window), Click to email a link to a friend (Opens in new window), Click to share on SMS (Opens in new window), 2006-2023 HW Media, LLC. Tell us has your experience with this business or person been good? You can send emails to: The best way to speak with a human at BSI is to call the customer care team at 800-327-7861. This credit card company settled a class-action lawsuit for $190 million last year. I have filed a complaint with the BBB. This manual process often did not keep pace with scheduled changes in interest rates on ARM loan, the CFPB said. Dont click on those slick Ads! %%EOF All rights reserved. 2021) . Date of service: 03/08/2021 [21-20073] (SDH) [Entered: 03/23/2021 01:45 PM], ELECTRONIC RECORD ON APPEAL FILED. That you could make it resolved in a few days is wonderful. Yes, BSI is real. hYio9+1"p81vqf? (1,094 reviews) Submission of Title Documents. In April 2014, the CFPB had asserted that BSI Financial did not have an adequate information technology plan that included procedures to ensure the quality and completeness of loan data obtained from other servicers when boarding loans, the company said in a statement. . |. Thats wrong on many levels, and just penny wise thinking. The Consumer Financial Protection Bureau announced Wednesday that an investigation into the business practices of BSI Financial Services found that the Texas-based mortgage servicer violated multiple federal laws over several years. What the BBB has done to consumers for over 100 years is one of the many reasons why Ripoff Report was created. Established in 1986, BSI Financial Services specializes in loan servicing and subservicing, loan review and due diligence, and loan default services using a global workforce. The TRUTH About BSI Financial Services. You can also pay over the phone at 800-327-7861 but there is a fee. The New York Real Property Action and Proceedings Law (RPAPL) has been in effect since December 20, 2016. Corporate Advocacy Program: How to repair your business reputation. NO ONE IN THERE RIGHT MINE WOULD SIGN SOMETHING LIKE THAT!!! Yang Sheng Tian Xia Massage in Taoyuan (Phone Reservation Required) *Health Tianxia Meridian Center provides selected courses such as meridian conditioning, whole body finger oil pressure and foot massage. In all the time I have had a mortgage I have never had an issue with any other company but when my loan was sold to these jokes I have had nothing but problems. Ripoff Report | Complaints Reviews Scams Lawsuits Frauds Reported. A CFPB investigation found that BSI improperly handled mortgage servicing transfers, including failing to recognize that certain loans were already in loss mitigation proceedings, in the process of receiving a loan modification, or had already received a loan modification. They do not return phone calls an they mysteriously hang up in your face and you cannot get them back. Birdeye helps millions of local businesses to be found online with all their reviews and accurate business information. The company issued the following statement to Housingwire: BSI has always been committed to delivering a high-quality customer experience to borrowers while complying with all applicable legal and regulatory requirements. 1160, series of 2022 (link here) and adopted the Amended Regulations and Guidelines on Financial Consumer Protection ("FCP") Framework to implement Republic Act No. Founded Date Jan 2, 1986. Pay your BSI Financial Services bill online with doxo, Pay with a credit card, debit card, or direct from your bank account. BS 18477, the BSI standard, can help organizations understand the different needs consumers have including those in vulnerable circumstances . I've been doing this for a year now with no luck. Bank of America banks economic meltdown fannie mae financial crisis florida foreclosures foreclosure foreclosure crisis foreclosure defense foreclosure fraud foreclosure help foreclosure help Michigan foreclosure mills foreclosure rescue foreclosures Housing Crisis illegal foreclosures illegal michigan foreclosures Loan Modifications mfi-miami michigan document fraud michigan foreclosure fraud Michigan Foreclosure Law Michigan foreclosure mills Michigan foreclosure problems michigan foreclosures michigan mortgage fraud mortgage backed securities Mortgage Crisis mortgage fraud mortgage fraud investigation mortgage help mortgages mortgage servicing mortgage servicing fraud new york foreclosure fraud new york foreclosures new york fraud new york mortgage fraud orange county foreclosures Rockland County Foreclosure fraud rockland county foreclosures Steve Dibert stop foreclosures Wells Fargo, This website and its contents are the property of MFI-Miami NM, LLC. 76 customer reviews of Bsi Financial Services. New Residential Investment Corporation or NewRez was formerly known as New Penn Financial, LLC. Box 517 Titusville, PA 16354-0517. People need to know someone is out there to help! BSI Financial Services, a mortgage-centric financial services company, today announced it has promoted Larry . Maybe you haven't missed a payment yet, or maybe this is the first time you are paying late. BSI Financial Announces Key Executive Promotions. Manage all your bills, get payment due date reminders and schedule automatic payments from a single app. Lead the deployment and implementation of the ASEAN operation strategy and multi-year plan of the Assurance streams adapting it to the market context of the cluster, in line with the Group Strategic plan, maximising . BSI Group, also known as the British Standards Institution, is the national standards body of the United Kingdom. BSI Financial will try to say you don't have insurance to get you to use their insurance which is much higher. Among these responsibilities are the duty to inspect properties securing delinquent loans and to register properties that meet the statutory definition of vacant and abandoned with the Department of Financial Services. Lonsen Kiri Chemical Industries Limited has successfully completed its upgradation of ISO 45001 Certification from BSI with the help of Punyam.com in Thursday, 02 March 2023 10:25 GMT %PDF-1.6 % We want to help you before it becomes serious. BSI is owned by Service One, Inc. Explore guides to help you plan for big financial goals, https://files.consumerfinance.gov/f/documents/cfpb_servis-one-inc-BSI-financial-services_consent-order_2019-05.pdf. Department of Financial Services enters into Agreement on Mortgage Servicing Practices with Ocwen Financial Corporation. During this time, (BSI) sent borrowers monthly statements seeking to collect principal and interest payments that did not reflect the correct interest rate on their ARM loans.. Zirogiannis v. BSI Financial Services, Inc., Court Case No. company purchases delinquent debt from mortgage lenders at a fraction of the value and then proceeds to profit by trying to get repayment in full. You can send a complaint against BSI to the Consumer Finance Protection Bureau, the Federal Reserve, or a regulatory agency for BSI. A direct lender is the financial institution that loans you money. What kind of complaints do people have about BSI? MFI-Miami NM, LLC is responsible for the content of this website. This page is about experiences with BSI Financial Services also known as Servis One and Mortgage Service companies. This is the best way to manage and repair your business reputation. You can pay BSI online with a one-time payment or recurring payments through the website by logging in to your account. [9505780-2] Initial AA Check Due satisfied. They advise you to contact customer service at 800-327-7861 to get your payoff letter. Claim your profile to access Trustpilots free business tools and connect with customers. You can mail a payment to: BSI Financial Services P.O. Headquarters Regions Great Lakes, Northeastern US. Gagan Sharma is President/CEO at BSI Financial Service Inc. See Gagan Sharma's compensation, career history, education, & memberships. Irving, TX. Consumers love to do business with someone that can admit mistakes and state how they made improvements. Mount Laurel, New Jersey, Paradise Property Management Ventura Illegal eviction my account being hacked, PPM will not investigate how it happened Ventura California, Kei Kullberg Quintessential Mortgage Group bait and switch you into promising you a low-rate Mortgage Scammer White Plains New York, TAHINI GODDESS Sally schimko Sexyveggies Tahini Goddess inulin Goddess Prebiotic white labeling of non-licensed food supplement. BSI is not a debt collector. Category: Home Mortgage, mortgage lending, Mortgage loan foreclosure. Subscribe to our RSS feed to get the latest content in your reader. Sometimes direct lenders do not want to also service the loss they originate so they might sell a mortgage to companies like BSI. NOA filed by Appellant Ms. Angela Cao [21-20073] (RLL) [Entered: 02/05/2021 12:51 PM]. BSI Financial Services. CFPB accused BSI of improperly handling mortgage servicing transfers. You might have legal protection if, for example, you suffered a breach of contract. The agency found that BSI Financial Services had violated multiple federal laws over several years. The company was founded in 1986 and specializes in a range of financial, a loan servicer, approved as a servicer for Feddie Mac, VA, Fannie Mae, FHA, and Federal Home Loan Banks in addition to private investors. Yes. Have a complaint against BSI? copyright 2023 BSI Financial Services.All Rights Reserved. So bringing a lawsuit can be make sense. The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. Title documents for new properties conveyed to VA under 38 C.F.R. The first agreement allowed a partial payment. BSI Financial Services is primarily a loan servicer, approved as a servicer for Feddie Mac, VA, Fannie Mae, FHA, and Federal Home Loan Banks in addition to private investors. On 28 November 2022, the Bangko Sentral ng Pilipinas (the Philippine Central Bank or "BSP") issued Circular No. They were purchased in 2006. Lead Counsel? in Headlines August 29, 2020. In addition, those who paid off their mortgages faced significant delays with escrow. STEP 1: Call and Speak to the Creditor and ask to remove late payments during Covid-19. steve@mfi-miami.com; Free Call: (888) 737-6344; About MFI-Miami. U.S. District Court for the Western District of Pennsylvania case number 1:17-cv-00183-AJS, U.S. District Court for the Western District of Pennsylvania, Widower says UPMC-affiliated facility was negligent in causing his wife's fall and later death, Terre Hill man says his home was infested with bed bugs after buying defendant's mattress, Pittsburgh business that sued neighbor and sewer authority over its flooded basement, receives stay, Pittsburgh man says building owner's negligence led to him suffering spinal fracture, Health care company's bankruptcy proceedings leads to stay of man's MRSA infection suit. It must also establish and maintain a comprehensive data integrity program to ensure the accuracy, integrity, and completeness of the data for loans that it services, and implement an information technology plan to ensure BSIs systems are appropriate give the nature, size, complexity, and scope of BSIs operations. These are some of the common questions we hear about BSI: Yes, BSI is real. Patricia A. Pfahler v. BSI Financial Services, Inc. et al, Court Case No. Additionally, BSI did not have a fully automated method to enter loss mitigation information into its servicing system. BSI is the 1st <and only> lienholder. 1/4/2022. These dumbfucks could ruin a free lunch. Documents must be provided no later than 60 days after the liquidation sale in most jurisdictions. Shonta M. Hoard filed a lawsuit July 6 in Jefferson County District Court against BSI Financial Services, as servicer for DRRF II SPE, its successors and assigns movant, alleging fraud and deceptive trade practices. Every time I call they say the check is in the mail. Why is it a big deal? Find Reviews, Ratings, Directions, Business Hours, Contact Information and book online appointment. May 29, 2019, 4:38 pm By Ben Lane. BSI management/staff is a real joke. Consumers educating consumers., Complaints Reviews Scams Lawsuits Frauds Reported.. I was not only struck with the virus, but had medical issues prior to where I could not work. However, BSI is a loan servicer so they will still contact you and follow up regarding repayments until your mortgage is paid in full. The report draws on the Climate Change Committee's (CCC) most recent annual progress report to Parliament, which concluded . j. Title search: $0 to $500. The company was founded in 1986 and specializes in a range of financial services such as mortgage lending and servicing. This is the worst company by far that I have EVER dealt with in any aspect of my life. Hello so I wrote a goodwill letter to discover about the reason why I was late on payments (90days) and I paid off the card before it closed. Company website run by crooks outside USA pretending to be in USA to get USA money taking your hard-earned dollars funneling it to the country of Peru, Better Business Bureau of South Florida BBB of South Florida Andre Amaro and the BBB of South Florida are harassing me and my small business! For more information, contact Allen Price, Head of Sales, Client Management, and Marketing Phone: 972.457.3995 Email: aprice@bsifinancial.com. $66,410 - $88,496 Annually / Depending On Experience Vitalant is where donors, talent and innovation meet to save and improve lives. Beyond that, from approximately September 2012 through approximately May 22, 2015, BSI did not properly maintain interest rate data received from previous servicers on thousands of ARM loans..