Date Received: 2024-03-05
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I came across an article where the CFPB settled with Specialized Loan Servicing on XXXX XXXX. Regarding violationing the Real Estate Settlement Procedures Act ( RESPA ). I filed a complaint with CFPB regarding this same situation.XXXX Now once again SLS is trying to forclose on my home but I have received no compensation on my loan regarding the settlement they are to implement to help borrowers. Attached is a letter from our attorney at the time stating the violation. It has been a constant struggle to get any help from this mortage servicer. We resently applied for the Georgia Mortgage Assistance program and finally after about a year qualified to receive XXXX. My application was denied, however we were told only because the Georgia Mortgatge Assistance can only pay up to {$50000.00}. The Georgia Mortgage assistance sent me a form on XXXX XXXX to fill out and submit to the mortgage company. The form is attached to this complaint. I was told once the mortgage company fills out the form and sends it back to me then the Georgia Mortgage Assistance would reactivate my file request another V record and continue trhe process of getting the money allocated. SLS has since moved to forclosure proceedings. I would like to know what they intend to do regarding violating my Respa. How do they intend to help me since they clearly have now been held accountable for their actions.I believe that back XXXX Specialized Loan Servicing violated my rights and I would like to get my situation resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have a surplus in my escrow account in the amount of {$10000.00}. I was informed by Specialized Loan Servicing on XX/XX/year> that my escrow payment would be reduced to {$320.00} from {$1000.00}. That has yet to be done. My mortgage payment was to be reduced from {$4000.00} to {$3200.00}. That has yet to be done. I was to receive an escrow refund of {$10000.00}. That check was never sent. My escrow balance still shows the overage of {$10000.00}. I have called Specialized Loan Servicing on 4 occasions to escalate and it still has not been done. They now tell me that the refund check was cashed though my escrow account has not lowered. I never received a letter nor check. Nor have I cashed any check from my escrow. I am now being asked to file a police report and claim fraud. They cant explain why my payments have not been lowered nor can I get an explanation as to why I still have a {$10000.00} overage in my escrow account if the check had been sent and cashed. There automated system show no escrow refund was ever processed. I believe there is an issue with there process and systems resulting in a failure to lower my escrow payment, which would result in a lower monthly payment. There is an error in the system as the escrow balance has stayed the same but they are claiming a refund check was sent and cashed. They have not provided me a copy of the canceled check and are now asking that I send it all in writing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 762XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XX/XX/2024 Around midnight, after I've been caught up, Specialized Loan Servicing LLC withdrew {$570.00} from my bank account. When I realized what they did ( around XXXX XXXX ) I called and requested they cancel that withdraw. They did, but it was still pending on my bank 's end. I called my bank and all they ask for is that SLS submit/fax a letter on letterhead confirming the cancellation. I faxed to SLS ( I'm on XXXX raising my nephew, every dime counts! ) what my bank needs. Suddenly there is a problem. They are stating they need a letter, sent, and it will take thirty ( 30 ) days! They withdrew money that shouldn't have been withdrawn! They cancelled it that day. Why the hold up? Why not work with me? Why a whole month? I have faxed, called, been on hold for hours, webmail, SLS.net website, why be unreasonable with MY money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This company is awful to work with. They reported a XXXX day late payment on my credit report which is incorrect and refuse to correct or remove it. I have documentation that payment was made on time. XXXX banking : XX/XX/XXXX ( XXXX ) External Withdrawal SLS Mortgage Pay - Web Pay XXXX Principal : {$710.00} Interest : {$0.00} Escrow : {$0.00} Escrow Balance : {$0.00} LateCharge : {$0.00} Unapplied : {$0.00} Principal Balance : {$72000.00} XXXX Unapplied Funds Unidentified - Lockbox Rejects ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Single Item Receipt - Via XXXX XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Unapplied Funds Unidentified - XXXX XXXX ( used for sweeping funds ) XX/XX/XXXX XXXX Electronic Payment - Autopost
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98155
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: This is difficult to explain as these issues started in XXXX and have now resulted in a staggering escrow shortage. My loan has been transferred 5 times within the almost two years that I have had this mortgage. I have repeatedly inquired for prior payment history as there have been mounting issues that started with one of the original servicing companies Specialized Loan Servicing. There were several issues that caused me to get behind at one time on the loan and request modification. I finally got caught up with sending multiple payments at a time, while the only suggestions made by them were short sale and foreclosure. I repeatedly asked about modification options as I wanted to keep my home and do whatever I needed, I just needed more time and assistance to navigate the process. I had no idea, that all along they were ordering drive by inspections on my home without helping me to modify at all. The whole process was mind boggling and mentally taxing. I tried to keep up with the mounds of confusing paperwork, outrageous requests, terrible customer service and lack of assistance to move forward. I finally got the modification approved after haggling for months and sending multiple payments along with getting XXXX involved. No one would call me back to address prior payment issues before it was sold to XXXX. XXXX stated there was no modification and it turned another fiasco with Change lender stating they never agreed to a loan modification and I was literally on my final payment. Once again, its Now transferred to XXXX XXXX and they have sent notice of a {$5700.00} escrow shortage which would mean I have made no payments all year to escrow and there is nothing further from the truth. I am so confused by all the name changes of these companies and changes of servicing. SLS is also mentioned as XXXX XXXX and XXXX I believe. This is causing a lot of stress and mental anguish. I Need Assistance, Please Help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I filed bankruptcy in XX/XX/2022, it did not include my mortgage. SLS included a claim of an amount due that was already paid, it was a monthly payment they have since collected in it after its already been paid. They removed my online access which does not allow me to pay online anymore. I now have to pay by phone by the XXXX or Im charged a fee. However, my mortage contract gives me until the XXXX until delinquent. This is mistreatement of customers in bankruptcy. I have use bill pay to get around the fee and they have taken my funds and put them in an account which we caused them to report to my credit that Im delinquent. I call to get it fixed and they tell me Im good. Then I call back about PMI which I am now being charged for incorrectly and they said Im delinquent again. I sit on hold and then they hang up. I have no access to my mortgage and no one at SLS can answer my questions. They have admitted to providing incorrect information. I do not receive paper statements and can not access electronic statements online. I believe I am being mistreated as a customer and would like a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/XXXX I paid a reinstatement fee of {$13000.00} to make up for missed payments as I was sick after that I was told I owed an additional {$1500.00}. On XX/XX/XXXX I received a letter of intent of foreclosure after being late 30 days. On XX/XX/XXXX I received a letter of escrow increase in the amount {$2400.00} plus starting in XX/XX/XXXX On XX/XX/XXXX I received a letter to inform me to get my own insurance as they were going to be paying XXXX per year. On XX/XX/XXXX I received a letter to inform me that they cancelled the insurance as my new insurance company sent them the paperwork, however they said that there was a lapse of insurance and they were going to charge me {$7500.00}. # 1 When they sent me a letter to reinstate the mortgage I paid the amount asked. The {$1500.00} was added to it later after the fact. That amount was paid when the request for payment happened on XXXX with the letter of intent to foreclosure. # 2 after being 30 days late you want to foreclosure on the property. # 3 you sent an escrow increase letter not even 60 days prior to the fact # 4 The mortgage company was in charge of the insurance payments if there was a lapse is their fault not mine. Also they sent a letter requesting insurance inmediately not even days notice. I have called a real estate attorney I was going to hire and as per his advise he said submit a complain with CFPB they are the first step moving forward. Make no mistake, I will do anything in my power to get a solution to these on going matters. My friend works for XXXX XXXX and believe me I will start with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Reference CFPB Complaint XXXX Considering this company 's history of not disclosing information appropriately to consumers as noted in the finding of the consent order issued by the CFPB in XX/XX/year>, I am shocked that further review wasn't completed to assess the issues involved in this case in which the actions, lag of response, lack of proper communication, and lack of any attempt to rectify the issue and allow me a good faith effort to become current. SLS has also added undiclosed fees every month, which only adds to the difficulty of catching up. Not only that, it seems that this company made has made it extremely difficult to understand how to procede with any of its proposed processes. I challenge any normal, non-finance person to understand the statements. I also challenge anyone to understand why the company can't reply to an online message with simple instructions. The actions and non communication by SLS has directly caused me stress and harm. The denial for assistance states that it was not accepted due to the account being over 90 days past due. Your application states that you require proof of change in income, which I provided. I submitted multiple requests in writing for clarification with no answer until it was canceled. I am not asking for anything outside of a good faith attempt to put my mortgage in a forbearance and I've offered to get the loan within 90 days over time, or reset the amortization to that point in XXXX when this started. I would not have filed this dispute of you had not sent a letter saying you may foreclose no matter what payments I send. As far as I know the company did not acknowledge my grievance until I filled this case with the CFPB. Iknow the representative documented it but she simply said it didn't mean anything. he company did not explain why I was never told there was a 90 day requirement for assistance. I can not determine what the process is for a successful forbearance. I applied for assistance because of a hardship. but had I known the requirements or had guidance I would have made different arrangements and would be in a easier position to manage. I can tell by the previous CFPB findings and the XXXX complaints that this company does not care about cusotmers making a good faith effort to keep their home. I do not think it's unreasonable in these economic times to request a modification that would allow me a resonalble payment and to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: We received a notice of default and a letter to apply for a modification or assistance to help avoid foreclosure, and to avoid losing our home, from SLS, our servicer. We contacted the servicer and were told that they will email us a hardship application and to send it in immediately. We were told that once they received the documents the sale date would be postponed while the application was under review. We submitted the documents via email directly to SLS. The following day we contacted SLS to confirm that the application was complete. Our point of contact, XXXX, advised us that we did not need to send in any application or documents. Initially he said it was too late, we explained that the sale date is XXXX days away. He said he did not know anything about that. He then explained that no financials were needed. We asked about the review and what we were told, he said the other representative was wrong. We asked what is needed for a review to take place and he said nothing it will be reviewed. He provided no detail, no explanation, no process nothing. We asked why we were told we were not being reviewed for any assistance until the application was submitted, and why in the beginning of the call we were not being reviewed. We were given no explanation as to what was happening with the review or loan. We were told to contact an attorney. We asked for any details on the review, what documents are being reviewed if they do not want any information from us, including financials. We asked for any information regarding the steps or options. How do we know if it was really reviewed or if the review was correct or if there were any errors? Our home is days from a sale date, we are given no clear answers, misleading information and inconsistent information from different representatives, and in the mail from SLS. We have no idea what our options are, the representative suggested we wait until the day before the sale to see what happens, but that will leave us with no options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Changes in loan terms during the application process
Consumer Complaint: Hi CFPB, I'm still being illegally harassed, pursued on a debt I do not owe by Specialty Loan Servicing LLC and want it to stop! Per the company response XXXX, filed a Fraud report, which they are not accepting due to no signature by a police person. I noted that they said ( police department ) they don't sign the documents, they only put their badge number, which confirms they handled/accepted the report and can be contacted. They have file for Foreclosure on my property ( XX/XX/XXXX ) on a " fraudulent debt! '' Stop pursuing on this XXXX year old debt that I do not owe and now remove the Foreclosure Notice off my property that my family has lived in for 24 years.!! This should not be allowed to happen to anyone 's family. Specialized Loan Servicing is only doing this because they want my increased Equity that is in the property!!!! I have also included my Driver 's License. ( Background ) I originally purchased this property ( XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, Ca ) in XX/XX/XXXX through my first lender XXXX XXXX in XX/XX/XXXX. My lender for this property in XXXX was with XXXX, where I " refinanced '' the property and pulled out some of the " equity only '', no second mortgage. I did not request or submit for a XXXX mortgage or have I had a second mortgage on this property since my original purchase. My loan has been sold to other lenders XXXX times since I have owned the property. In late XXXX & XX/XX/XXXX, " XXXX '' years later, I started receiving threatening notices of Default, Foreclosure and letters from realtors of selling my property! I contacted my current provider several times after receiving these notices as to why I was receiving the notices, ( who stated as I have known ), that my loan is current and there are no notices on my account for Default or Foreclosure and my payment history is very good and to disregard the notices. I actually have " excellent credit '' and don't want it ruined by this situation and to stop being harassed for money I don't owe! This situation is causing extreme stress with me and my family. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A