Date Received: 2023-11-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a mortgage with XXXX XXXX since XXXX. I fell behind and got a XXXX XXXX in XXXX I didn't want to discharge my mortgage but my lawyer did. I was on time with my mortgage when I had the bankruptcy and after so they really didn't get anything from the discharge because I was on time. So I didn't want to leave my house and I made payments every month on time until forbearance happened with the code we got locked in. I was on forbearance twice because I'm sick and I'm still sick. The first time I came off they deferred it deferred the balance I owed. Second time I got a payment from HAF Grant and they paid 3 months worth I guess XXXX XXXX didn't Express to them that I still have the deferral amount which was the second mortgage and HAF XXXX XXXX, would have paid that. XXXX XXXX XXXX said they were transferring me to their service department well I didn't know they were selling me to it debt collector that was XX/XX/XXXX while still in forbearance. They also reported me delinquent while on forbearance to XXXX. I asked them after they sold me if they could update the credit report and let them know that I've been paying my mortgage all along and they refused which I think is illegal. I printed out 6 years of statements and payment information and since it's a XXXX and they said they deleted their account from my site but it's still there it's closed and it still says delinquent I had them do an investigation twice to get rid of the delinquent and still on there. That's illegal according to the bankruptcy laws and the forbearance laws complaint about the new mortgage company. At my house for 22 years I always paid on it until the covid and I don't need to link one on my credit report and now it doesn't show that I paid my mortgage since XXXX. I really did a number on my credit and I couldn't get them to defer it and I couldn't get a equity loan either they refused equity loans before people went on forbearance and after.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: On XXXX, Specialized Loan Servicing LLC, didnt accept our payment for XXXX mortgage in the amount of {$4000.00} and the for the amount we owe last XXXX in the amount of {$1000.00}. The total amount we paid last XXXX was {$5100.00}. They said they sent us a check in which I called them back before the month of XXXX and said I still havent received the check in the mail. They said they will re-isssue a check again so if I receive the first one just toss it. The next day, I went to the mail and found a lot of mail from their company and one of them is with the check issued by XXXX XXXX So I just kept it to show proof that they will be re-issuing me a check in that same amount. Days passed by, I called them again, messaging them through my email and messaging them using their online messaging system, but unluckily, they seem not to answer our question using the our email or their messaging system online. They just kept calling, but still no answer using the email we have sent them or their online messaging system. They kpt sending us mail stating that we are past due on our mortgage. We were past due because they didnt accept our payment to them last XXXXXXXX XXXXThey cashed our payment checks that was sent to them last XXXX. Our bank confirmed that our bill pay payment was cashed at XXXX XXXX by Specialized Loan Servicing. Now we wondered why they cashed the checks in XXXX XXXX and sending the payment back to us if they are not accepting our bill pay payment. They said onlyg certified funds. But they cashed our bill pay checks last XXXX XXXX Now, were still in waiting for that re-issued check. They said today, it was sent last XX/XX/XXXX. But in fact, another representative told us last Saturday, XX/XX/XXXX, that it was cancelled because it havent been cashed and that theres no re-issuance check yet that was mailed to us. So, this representative today looks like she didnt know what shes saying. She told me that she will send an escalated note totheir manager regarding this. So now, theres stillno check arriving to us. Our mortgage account is showing a past due of {$5300.00}. Our account shows an unapplied/suspense of {$3000.00} in which We didnt know what was that about. Our mortgage has been purchased three times already and Specialized Loan Servicing is the present servicer. They are the worst company. I dont know how they managed to still be in this industry wherein we have seen a lot of complaints about Specialized Loan Servicing , LLC . Please act asap!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: I am the Administrator XXXX and heir to my mom 's estate. Originally, there was an Executor of Estate and she was removed due to refusing to do her fiduciary responsibility and trying to steal and destroy the estate. She never paid XXXX XXXX XXXX into the mortgage and now the debt collector is rightfully trying to get paid. The problem comes with the debt collector got an attorney, XXXX XXXX XXXX, XXXX, who is communicating with the former Executor of Estate and employer which I have notified Specialized Loan Servicing about and want it stopped. I found out from Specialized Loan Servicing that it has gone into foreclosure back into XX/XX/XXXX and I was supposed to have been notified. I was never notified until after I let Specialized Loan Servicing know. I received on Monday XX/XX/XXXX : 2 Certified Letters addressed to " Estate of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Personal Representative '', 2 Certified Letters addressed to " Estate of XXXX XXXX XXXX XXXX which this estate does not exist, and " All Occupants ''. Specialized Loan Servicing has my information and correct address. All six Certified Letters were sent to the wrong address. I have a XXXX XXXX XXXX receive the mail due to the issue of the former Executor of Estate stealing mail and Specialized Loan Servicing was very well informed of this address. They refuse to stop their attorney from sending the mail to the wrong address which risks me not getting the mail. Furthermore, I found out after the XXXX XXXX XXXX listed the house being foreclosed on. Everybody including the neighbors knew except for me. I have made every effort to try to get them paid and I received a letter from Specialized Loan Servicing in the mail on Wednesday XX/XX/XXXX notifying me of options : * Setup a repayment plan for your loan * Refinance your loan with another lender * Modify the loan terms of your loan * payment forbearance temporarily gives you more time to pay your monthly payment or move and sell the home. I already have the house listed for sale since XX/XX/XXXX. I called Specialized Loan Servicing to talk to them about these options and was told that they are required by law to send this notice but they don't honor it. The house is for sale and I am respectfully requesting cfpb to force Specialized Loan Servicing to honor the forbearance law and remove my mom 's estate from foreclosure proceedings and allow me the time necessary to find a buyer to purchase this property. I just became the Administrator XXXX on XX/XX/XXXX. I am also the heir and I just discovered the house was transferred to me at the same time. I can not be punished for the negligence of a crooked attorney. I am also XXXX and have a XXXX XXXX XXXX XXXX. So, my XXXX XXXX XXXX XXXX and I should move out onto the street? There are no shelters with space. I have been told it is a two year wait. I am asking cfpb to force Specialized Loan Servicing to stop encouraging their attorney XXXX XXXX XXXX, XXXX in communicating with people, like the former Executor of Estate and her employer, who have no right being involved with this mortgage, stop XXXX XXXX XXXX, XXXX from sending mortgage mail to every address except to my address, stop XXXX XXXX XXXX from discussing mortgage business with everyone except me, stop XXXX XXXX XXXX, XXXX from sending mail to everyone except to me, stop XXXX XXXX XXXX, XXXX from sending mail to dead people ( my dad who has been dead since XX/XX/XXXX ). I am also respectfully asking cfpb to force Specialized Loan Servicing to remove this property from foreclosure and grant me the forbearance time the law requires so I can sell the house and property. Thank you and I apologize this complaint is not of professional quality. XXXX XXXX XXXX, Administrator XXXX & Heir Monday XX/XX/XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) owned a condominium through their trust. That condominium was ( and remains ) subject to a deed of trust securing a mortgage loan serviced by Specialized Loan Servicing ( Specialized ). In about XXXX XXXX, I called Specialized and informed it of my fathers ( and his wifes ) death, and that I am the successor trustee of the trust. On XX/XX/XXXX, Specialized sent me an email acknowledging that call, indicating it was processing a Borrower Deceased Notification ( Case ID XXXX ) see Attachment XXXX. Specialized then sent a letter ( dated XX/XX/XXXX ) addressed to my father at the address of his last residence ( an assisted care facility ) see Attachment XXXX. I received that letter on or about XX/XX/XXXX. Specializeds XX/XX/XXXX letter sought certain information and documentation, and said to call XXXX with any questions. I responded by sending Specialized a letter, dated XX/XX/XXXX, enclosing the following : ( 1 ) Certified Death Certificate pertaining to my father ; ( 2 ) my fathers trust ; ( 3 ) the First Amendment to my fathers trust ; and ( 4 ) the Second Amendment to my fathers trust. ( See Attachment 3 with unsigned copy of the letter I signed an sent ) Up until XX/XX/XXXX, the monthly payment to Specialized was made by auto-bill pay Specialized deducted the payment from my fathers account at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Upon my verbal notice in XX/XX/XXXX that my father had passed away, Specialized apparently halted the auto-bill pay the XXXX account had adequate funds to make the monthly payment. I received no paper bill despite Specialized failing to conduct the standard auto-bill pay deduction. On XX/XX/XXXX, I received an automated call from Specialized ( at number ) requesting I call it regarding the account. That automated call was repeated on XX/XX/XXXX, at which time I called Specialized at the number provided ( XXXX ) and was told by the representative that she could not speak with me regarding the account because I am not an authorized person on the account. I next heard from Specialized when I received a Mortgage Payment Reminder Notice in the mail, addressed to Estate of [ my father ] at my home address. ( See Attachment 4 ). This means Specialized clearly received my XX/XX/XXXX letter with the certified death certificate. Otherwise, the Mortgage Payment Reminder Notice would have been sent to my father ( not his estate ) at his last known address ( not my home address ). The Mortgage Payment Reminder Notice purported to apply a {$22.00} late charge for the XX/XX/XXXX loan payment. When I called Specialized to seek an explanation as to why a late charge was being applied when Specialized itself created the circumstances leading to the missed payment, I was told by the representative that she could not speak with me regarding the account because I am not an authorized person on the account. She also indicated she could not allow me to speak to a supervisor because I am not an authorized person on the account. The one thing she could do, was transfer me to the payment department in order to make the XX/XX/XXXX payment which would be subject to a {$12.00} additional fee. In summary, after my father passed away and it was notified of his death, Specialized halted the auto-bill pay on his loan, failed to send a paper invoice for the XX/XX/XXXX payment, refused to discuss the account with my fathers successor trustee ( me ) despite receipt of a copy of the trust and trust amendment specifically naming me the successor trustee, and refused to allow me to speak to a supervisor to try and resolve the stalemate created by Specialized. At the same time, It added a late fee and a {$12.00} additional fee when I tried to make the XX/XX/XXXX loan payment. I can not begin to express my outrage regarding these actions by Specialized, taken in the immediate shadow of my fathers death.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Consumer Protection Financial Bureau RE : Noted SLS Loan # XXXX Dear Consumer Protection Financial Bureau, I am writing regarding Specialized Loan Services false, fraudulent, and predatory services located at the below address : Specialized Loan Servicing ( SLS ) XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CO XXXX SLS XXXX XXXX XXXX XXXX CO XXXX Please note the following : 1. I disputed the validity of the above loan three times. Specialized Loan Services in their predatory manner never provided documentation to verify : 1 ) they owned the debt, 2 ) debt was not discharged in US bankruptcy, and 3 ) debt was not unsecured. 2. I owned property at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX. SLS claimed they owned a lien on the property. 4. Specialized Loan Services in its predatory manner claimed I owned over {$220000.00} which it never verified. 5. Second lien on the property was held by XXXX ( see attached statement ). 6. On XX/XX/2012 Honorable US Bankruptcy Court Judge for the District of Maryland Ordered lien was deemed wholly unsecured. Reference Order Motion to Avoid Lien Pursuant to 11 USC Section 506.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I am writing to bring to your attention a critical matter concerning the actions of Specialized Loan Servicing LLC ( SLS ) that directly contravene established legal agreements and consumer protection statutes. Attached herewith, you will find documentation outlining the violations perpetrated by XXXX in relation to my XXXX XXXX XXXX XXXX Agreement XXXX XXXX XXXX. Over an extended duration of approximately a decade, XXXX remained dormant while my home had no equity. Despite this fact, the company has now resorted to threatening fXXXX on what is termed a " XXXX XXXX '' after the property has acquired equity. This approach mirrors not only my personal situation, but also the cases extensively reported on in the media and documented within the Consumer Financial Protection Bureau 's ( CFPB ) XXXX XXXX, Settlement, and Guidance materials, all of which are attached to this formal complaint. The CFPB specifically addresses the unlawful tactics resembling those employed by XXXX, stating, " Now, over a XXXX later, and often without any intervening communication with homeowners who were able to save their homes, some of these XXXX XXXX are demanding the mortgage balance, interest, and fees, and threatening foreclosures on families who do not or can not pay '' ( see attached documents ). The tactics employed by XXXX in my case echo this finding. It is imperative to note that XXXX XXXX engaging in efforts to recover on these " XXXX XXXX XXXX '' may be in direct violation of the Fair Debt Collection Practices Act. During the period when my property lacked equity, spanning nearly XXXX years, XXXX egregiously failed to furnish regular statements or updated balance information regarding my mortgage account, a breach explicitly outlined in Section 4.b. of my XXXX agreement ( attached below ). However, upon the accumulation of equity of my home, XXXX abruptly initiated foreclosure proceedings, setting the foreclosure date for XX/XX/XXXX. The patterns in XXXX 's conduct unequivocally indicate predatory and deceptive business practices, blatantly flouting established laws and regulations, as corroborated by the CFPB 's XXXX XXXX, XXXX, and XXXX documents. Notably, the XXXX Consent Order issued by the CFPB against XXXX serves as a XXXX illustration of the company 's transgressions under the Real Estate Settlement Procedures Act ( RESPA ), Regulation X, and the Consumer Financial Protection Act of XXXX ( XXXX ). The findings of this order resonate with the circumstances of my case, citing XXXX 's unlawful foreclosure actions against borrowers entitled to protection from such measures and their failure to timely deliver regular statements and evaluation notices to mortgage borrowers, in direct violation of Regulation X. Namely, regulation X requires that " servicers provide written notice to borrowers at certain times during the life of the loan, including at least once a month for borrowers with variable-rate mortgages with XXXX adjustments or other loans with payments that can change. The notice must include a statement of the account that includes the amount due, the due date, and the breakdown of payments, including the amount applied to principal, interest, and escrow, if applicable '' ( see attached ). Furthermore, the CFPB 's Consent Order stipulated that XXXX pursued foreclosure judgments and sales when compliance with Regulation X would have shielded borrowers from such actions. As a consequence of these violations, SLS was to provide almost XXXX in XXXX relief to consumers, waive XXXX in XXXX deficiencies, pay a XXXX XXXX XXXX penalty, and implement stringent compliance procedures to adhere to RESPA and Regulation X. XXXX 's failure to adhere to the terms of my XXXX, particularly the requirement to furnish regular statements as mandated, has culminated in misinformation about my loan status and an egregious financial burden. The company 's disregard for regulatory obligations and their foreclosure threat demanding an exorbitant down payment against an accrued interest balance exceeding the original loan amount of XXXX by over XXXX is not only unreasonable but also ethically unsound, unfairly jeopardizing my home. Furthermore, in my attempts to acquire pertinent documentation from Specialized Loan Servicing LLC ( SLS ) pertaining to representations made regarding the particulars of my loan and its current standing, XXXX exhibited a consistent refusal to furnish such records despite repeated and diligent efforts on my part. XXXX ' refusal and neglect in furnishing these documents may constitute additional violations of the aforementioned laws and procedures. The absence of furnishing such documentation has resulted in inaccurate information concerning my loan and its status and has led to a significant financial hardship. The preceding events, including the CFPB 's impactful actions against XXXX in XXXX, underscore a concerning pattern of regulatory non-compliance and predatory practices. XXXX 's history of consumer complaints, legal actions across various states, and the marked absence of adherence to ethical and codified business practices and policies further accentuate their consistent deviation from lawful conduct. Given the recent CFPB XXXX Order and the alarming recurrence of egregious practices by SLS, I implore you to take action to hold SLS accountable for its persistent violations. It is imperative to safeguard consumers from enduring further exploitation resulting from such abusive practices both now and in the future. Link here ( Filed XX/XX/XXXX ) : UNITED STATES OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX PROCEEDING File No. XXXX '' XXXX XXXX XXXXXXXX Link here ( dated XX/XX/XXXX ) : " Consumer Financial Protection Bureau Settles with Specialized Loan Servicing XXXX XXXX '' XXXX XXXX XXXX/ Link here ( dated XX/XX/XXXX ) : " CFPB Issues Guidance to Protect Homeowners from Illegal Collection Tactics on XXXX XXXXs 'XXXX XXXX XXXX XXXX Regulation X : Real Estate Settlement Procedures Act XXXX XXXX XXXXXXXX % XXXX Link here ( XXXX XXXXXX/XX/XXXX ) : " What is a XXXX XXXX? Couple facing foreclosure because of XXXX ' loan | What to know '' XXXX XXXX XXXXXXXX Link here ( dated XX/XX/XXXX ) : " XXXX Mortgages Could Force Some Homeowners Into Foreclosure '' XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I inherited my grandparents house. I pay a 1st mortgage on the house which has never been behind. However a 2nd mortgage has come up that was not paid on and that company is saying that they will foreclose on me if I dont sign papers and take responsibility for that loan. Im in need of help on how to go about this problem as they are not working with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95945
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: The complaint covers THREE ( 3 ) loans with this company, as EACH loan has the SAME ISSUE. There is a BLANKET insurance policy, and each loan must collect ONLY its portion for the escrow account. This has been explained to this company since they became the servicer in XX/XX/2022, was explained again during the insurance renewal, and for two months now, has been explained again by me, via their portal, Email, phone and XXXX mail, as well as explained by the insurance company, that it is a BLANKET insurance policy. This company services 3 loans, another company services the other 3. In the most simplest of terms, a blanket insurance takes the total policy premium and divides it by 6. NOT ONLY have we done this math for them, we have provided paid in full invoices and individual declarations pages to show them how to do the math, and what escrows they need to be collecting. Every time we contact them, they say it is fixed, but it is NOT fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/2023, I was force-issued a one-year HO6 policy from Specialized Loan Servicing with a premium of {$1200.00}. I received a letter ( dated XX/XX/XXXX ) around XX/XX/XXXX about this purchase. On XX/XX/2023, Specialized Loan Servicing canceled this policy as I bought my own insurance. So the forced policy that Specialized Loan Servicing bought was in effect for 18 days. Yet I was charged {$340.00} which is disproportionate to the annual fee of {$1200.00}. I have called a few insurance companies and they all agreed you can't backdate a HO6 policy. Yet Specialized Loan Servicing is apparently charging me for a period of time before the issue date of XX/XX/XXXX. In addition, at no point did Specialized Loan Servicing notify me of the actual reason for the forced insurance until after the fact. I called on their first letter and I was told that I needed to update the copy of my supplied insurance because the expiration date was XX/XX/2023. I did this promptly and was told the matter was settled. I then called back as I received a second letter. I spoke with the person and he said that the expiration date was updated and that I could ignore any following auto-generated reminder letters and that everything was OK. For this entire 5-month period, I was led to believe by Specialized Loan Servicing that the area of concern was simply updating the expiration date, not that it was a coverage issue. This all could have been avoided if Specialized Loan Servicing simply had given a proper notification along with means of remedy. Instead, they misled me at every point of contact saying it was simply a matter of updating the policy expiration date. Additionally, the letter from Specialized Loan Servicing said ( in bold ) : " Will cost an estimated {$390.00} annually, which may be significantly more expensive than insurance you can buy yourself. Yet somehow the policy bought for me was {$1200.00}, over three times that amount. I am asking for the full amount of {$340.00} back. I relied on Specialized Loan Servicing to not only give me the correct reason for the forced insurance but also on how to remedy it. Instead, their letters and phone calls indicated a completely different reason for the forced insurance. I remedied that request and was told that the matter was resolved. But instead, I was only notified months later that oops the policy was issued anyway and at a much higher premium than they wrote in their own letter in bolded font. I also relied on Specialized Loan servicing holding reasonably to their {$390.00} annual insurance cost and not being blindsided by a policy costing over three times as much. At the very least, I should only be responsible for the period of time between the date of issuance and policy end ( XX/XX/2023, to XX/XX/XXXX ) I calculate this 18-day proration of the {$1200.00} policy to be {$60.00}, not {$340.00}. ( {$19.00} based on their original estimate of {$390.00} annual cost )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: XXXX has charged XXXX retuned check fees that do not exist Took a payment of XXXX dollars on XXXX and is still applying late fees when a principle payment was included. Company has taken a illegal contract that will supply account numbers to my business account for the purposes of fraud. Company has placed illegal STDs on my mortgage account after I explained that it was a civil matter and currently in court allowing people to place illegal liens on my property account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A