Date Received: 2021-09-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint on SLS Servicing XXXX In XXXX, my lender was XXXX XXXX XXXX. I had a 1st mortgage and 2nd mortgage with XXXX XXXX. The bank was taken over in XXXX by the Federal Government. The FDIC sold XXXX XXXX to XXXX XXXX XXXX in XX/XX/XXXX. In XXXX, I had some financial troubles and filled out a form for loan modification. In XXXX, my first mortgage was modified and the 2nd mortgage was forgiven and I was told that I never had to make another payment. I have paid my modified mortgage on time since that time. XXXX XXXX transferred servicing to SLS in XXXX and they would, periodically try to get me to pay the second mortgage. I would always dispute it and went on with my life because I knew what I was told and at that time had not made a payment in over 6 years. I filed for a refinance this month and was told by the closing attorney, per my title, that FDIC assigned my 2nd mortgage from the XXXX loan to XXXX XXXX in XX/XX/XXXX. Why would the federal government assign a loan that was forgiven to XXXX XXXX, 12 years later? The last payment made on this 2nd mortgage on XX/XX/XXXX. I was also told that XXXX XXXX filed a subordination on XX/XX/XXXX. It really doesn't make any sense. SLS was trying to collect on this loan without success since XXXX, however, per court records did not receive an assignment until XX/XX/XXXX. I have repeatedly asked SLS for the assignment paper work for both loans and they have yet to send anything. Honestly, I think the assignment attached may be fraudulent. It reads like a scam. It is signed by a XXXX XXXX, who is not an attorney. The state and county are missing, yet they have a XXXX XXXX. XXXX and SLS are the same company. Please help.
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: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been corresponding through regular mail with Specialized Loan Servicing about my Loan Modification Application over the past few months in an attempt to get current on our mortgage loan. In the last letter I received from them they requested more financial information from my wife and I. The date that they put in the letter that they wanted to get the information by was XX/XX/21. I sent everything to them XXXX Overnight on XX/XX/21 and it was supposed to be delivered next day by XXXX XXXX.. However XXXX was unable to deliver it until the XXXX at XXXX XXXX. It was delivered to the front desk/reception area, or mail room and signed for by XXXX XXXX with Specialized Loan Servicing. I followed up today to find out what they had decided and they said the Foreclosure process had started because they never received my paperwork. I explained to them that it was delivered and provided the XXXX tracking number and receipt that XXXX XXXX signed for it at their office. I feel that they need to find the XXXX package and make a decision on the loan modification or delay the foreclosure and allow me to resubmit the paperwork.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78666
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had specialized loan servicing for my mortgage account from April 2018-April 2021, and there numerous inaccuracies on my credit report from XXXX XXXX XX/XX/2019. My credit report shows that I was late on my mortgage. I was in the process of doing a loan modification on my home and i was informed by SEVERAL people within the company that this would not affect my credit. As well as once the modification was completed any negative reporting would be corrected. Well here we all two years later and 30-40 phones calls, my credit report is still showing late payments for that time period. This is very detrimental to my credit and my ability to obtain another home for my pregnant wife and daughter to enjoy. This is the one thing stopping me from being able to purchase another home and it's very unfair to have put my faith within a company to be truthful to their word and do right by me as a customer. Now that I have sold my home and no longer have an account with specialized loan servicing it has been impossible to have any communication from specialized loan servicing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS is my mortgage company they continue to harassment working me out of my house. Ever year they sent shortage on escrow. Last year I told them Im on a fixed income. I paid the XXXX lister they raised my house payment from XXXX to XXXX again this year they are doing the same thing they want XXXX and the raise my payment XXXX. I told them I wanted to pay all the escrow so my payment stays the same. They are refusing that to force my payment up again. This is the worst company. They dont give you options. Its like they are slowly pushing me out of my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX called to setup my first mortgage payment with specialized loan servicing. XXXX specialized loan servicing charged my bank acount twice for my mortgage payment causing {$75.00} in overdraft fess. XXXX called to find out what happened and to get a refund. was provided an email adress to submit by bank statements too. XXXXsubmited bank states ive called back multiple times. every person I speak with tells me they can not assist me or that I need to speak with a supervisor. setup multiple calls back for a supervisor. XXXX-received call back, spoke with supervisor XXXX in the XXXX office employee id XXXX states everything went thru and my refund has been expediated and should be on its way. XXXX called back Rep I spoke with said she reached out to 3 different people, and they all say they can not help, no idea how to fix problem. its been 3 weeks since beeing double charged and still can not get anyone to even assist me in providing a resolution. This is a brand new mortgage and they have done nothing but XXXX it up and have not been able to resolve my issue in three weeks, but iam sure they are quick to charge me for a late fee. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89032
Submitted Via: Web
Date Sent: 2021-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I'm including a PDF of my XX/XX/XXXX Letter to Specialized Loan Servicing ( " SLS '' ). The XX/XX/XXXX2021 letter to SLS is the latest in multiple communications with this loan servicer. As you will see in the attached XX/XX/XXXX PDF/Letter/Attachments, we have substantive unambiguous documentation which confirms that we are no longer responsible for the debt they are endeavoring to collect. We have been providing documentation to SLS since their first involvement. The XXXX XXXX XX/XX/XXXX, the originator of the HELOC, should have released our home as security for this debt following a dispute resolution exercise they inspired in in 2019. In the simplest terms, our obligation to the debt, for which SLS is now threatening a foreclosure, no longer exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97128
Submitted Via: Web
Date Sent: 2021-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of this year I refinanced my mortgage. For a few days in XXXX the mortgage was held by Specialized Loan Servicing- and then it was sold to another institution. The problem Im having is that Specialized Loan Servicing has STILL not cleared the balance with the credit reporting agencies, even though the loan was paid in full well over 60 days ago.I called them XX/XX/XXXX, they told me it would be taken care of by XX/XX/XXXX. It wasnt. Now they are telling me XX/XX/XXXX. My credit score keeps going down, because it looks like Im suddenly carrying double the mortgage debt.They should not be able to report money that I do not owe, and never owed them. Please help.
Company Response:
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: Received notification from XXXX XXXX XXXX that we had an unpaid interim tax bill. Stated they sent it out in XX/XX/XXXX ( we never received this letter, and didnt get follow up until XX/XX/XXXX ). Called our Mortgage company CMC funding to take care of the owed taxes with escrow. Sent them the information to do so. Received another letter in XX/XX/XXXX stating they ( XXXX XXXX XXXX ) did not receive our payment for XXXX XXXX XXXX XXXX. Total now with fees was {$4800.00}. Sent this new total to CMC funding on XX/XX/XXXX. Case manager called and stated that they were working on this to get it paid. XX/XX/XXXX letter {$4900.00}. XX/XX/XXXX rolls around still NOT paid. Contacted them again. Spoke to agent who told me that they had contacted XXXX county and we were all paid up. They were not to contact the county, they were to contact XXXX XXXX XXXX Fast forward to XX/XX/XXXX. Still not paid, and received the 30 day notice that there will be a lien on the house unless I now pay {$5400.00}. Called XX/XX/XXXX and no one has any idea what is going on and why it has not been paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15143
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10977
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for Covid relief, and my application was accepted. I contacted them to begin re-payment, and in two week they applied for foreclosure. I contacted them and they had me to complete a lengthy application and turn in numerous documents. They stated that my documents were not accepted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A