Date Received: 2021-07-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX SLS appeared on my credit report, I have never heard of this company. This Is account is falsely being reported to the credit agencies. This foreclosure happened in XX/XX/XXXX. There was a zero balance was left with XXXX XXXX, the home collapsed and doesn't exist anymore. I received no documentation regarding any outstanding balance in XXXX XXXX years. I have never received any debt validation letters from SLS. This company is in violation of the FDCPA and FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2021-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We applied for assistance on our delinquent mortgage. We had a financial hardship. Our file has never had a loan modification. We applied for one and the next thing you know on XX/XX/XXXX we received a letter stating our file was removed from review. We did not get this letter until a few days ago. Apparently our file was missing documents but we were never advised of what documents we needed to send in. We were advised a letter was sent out to us. Due to this pandemic our mail system is extremely slow. The letter never came. We have been having substantial mail issues. We have an adjustable rate loan and know we need a fixed rate. Weve never been given assistance. All were trying to do is save our house and now we have a foreclosure sale date set for Friday. I am sick and I can't imagine being evicted from my home while sick with XXXX. I had XXXX and my symptoms are severe. I was in the hospital for two weeks and have not fully recovered, I am still on XXXX. The stress of this on top of the medical bills is delaying my recovery. I feel like our file has slipped through the cracks at SLS. We were not properly informed by any reps at SLS of the missing items. No one is giving accurate information and no one is being held accountable for these issues.The inability to relay information to us is inexcusable.They are more interested in foreclosing on our home rather than assisting us. The lack of participation in a meaningful review of my file indicates a preference to profit directly from our hardships. If given the opportunity we can afford the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had three issues, as chronicled below : ( 1 ) I have been trying to contact a representative regarding an issue with an update to my condominium insurance policy. The phone tree for this mortgage servicer makes it extremely difficult to get through to an agent for insurance escrow purposes. Once you go through the prompts for escrow purposes and select the insurance option, you are sent through a complicated maze of options with no option for a truly " none of the above '' option. The first set of prompts provides a " none of the above '' option, but this set of options also provides only three options, none of which also applied to me. I pushed zero to try to get through to an agent, and it said this was an invalid entry and that I had to push another button to go back to the previous menu, which again had options none of which applied to me. All I wanted to do was check in with the agent regarding the status of my insurance change, and had to wait over six minutes just to get through the convoluted maze of options to speak to someone. This is inappropriate and needs to change. When I tried to submit a complaint regarding this issue once I finally got through to someone, the agent said she could not take a complaint, and I had to submit a complaint to the customer service department. She proceeded to transfer me over to this customer service department, which again transferred back to the phone tree where I could not reach anyone. ( 2 ) I made an extra payment to escrow on XXXX XXXX XXXX of {$83.00} with the confirmation number of XXXX. This amount was deducted from my bank account but I have yet to have it actually show up on the " transactions and payment history '' section of my portal. The last transaction is an escrow disbursement on XXXX XXXX XXXX for the PMI but there is no associated escrow payment of {$83.00} that shows up on my account. I have included a screenshot of the transaction and payment history table. ( 3 ) I have used a password generator to create an extremely secure password for my account, yet the website for this servicer keeps asking me to change my password every single time that I log-in. If I ever click " remind me on my next session '' on my mobile device, the website actually logs me out. I would rather have the servicer just provide a disclaimer, than to force me to update my password. Unless this servicer 's portal is insecure, I am not sure why a uniquely generated password needs to be changed every few months. If someone hacks into one of my other accounts and steals my passwords, they still would not have the password to this specific account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I'm not sure if this went through, but here it is again. We we're hit with the XXXX pandemic and we suffered, lost of extra income medical bills. Our mortgage company offered a forbearance plan and we took advantage of it. They offered extension s and we accepted them. I knew that we would have to pay the part that we were behind on. So Specialized Loan Servicing said that we could set up a repayment plan. We were searching for help online when XXXX XXXX XXXX noticed us needing help and said that they could find a program that may would fit out situation. Not knowing what the plan was we accepted the third party help. We paid them {$3200.00} for the services. Specialized Loan Servicing denied all that they were trying to do for us and would not budge on anything. XXXX XXXX XXXX kept informing us not to worry all was still under control. Specialized Loan Servicing is still not budging and since the forbarence ended in XX/XX/2021 they have accelerated the full amount owed that we were behind on with no repayment plan. Trying to pay the amount that we were behind on in three months is impossible. We can do it but not in three months. They are only giving us just thirty days and counting. The money that I paid XXXX XXXX XXXX could have were toward paying Specialized Loan Servicing. I asked XXXX XXXX XXXX before they took charge if I paid them how could I pay on our mortgage. He replied no don't pay them until we are done. The XXXX affected us badly and the second income that I had to help with the mortgage payments was lost. We are retired and we shouldn't have to go through this at this stage in our life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2021-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 2006 we [ my wife and me ] refinance our mortgage with XXXX lending company we get a loan of {$48.00} thru home equity credit line, our payment went too high, we filed bankruptcy to avoid foreclose, after 15 years a new company send me a charge to pay this amount [ now is more [ double ] even this XXXX is not here anymore they make a mess with my mortgage. we still paying our first mortgage only depending from our social security checks.we are broke and we can't pay this money this people is claiming to us we need legal aid or someone to talk to them [ we only speak XXXX ] we can't understand what they want. I'm XXXX and my wife XXXX any help well be appreciate. thanks i,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently, discharged from bankruptcy after 5 five years, I made all my payments on time. My compliant is with Specialized Loan Servicing, their information is not aligning with my statements I received from my bankruptcy attorney. Below is what my attorney sent me in an email and I also have hard copies to back it up ... XXXX Have reviewed the statements, and I am attaching the mortgage claims paid in full by the Trustee. It appears from the ongoing mortgage claim, your mortgage balance at filing was {$64000.00}. Through the plan, you have paid the mortgage company a total on the balance of {$45000.00}. On the arrears claim, you have paid through the plan {$11000.00}. That is a total paid of {$56000.00} thereby leaving an approximate balance on your mortgage of {$7800.00} ) Specialized Loan Servicing statement that I just received for the month of XX/XX/2021 is showing {$49000.00} like I haven't paid anything at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was attempting to refinance my present mortgage for a lower rate. I maintained a timely payments to help my credit score. But in XX/XX/2021, even though I made my payment, SLS mortgage servicing claimed they didn't get the payment. I explained I had a receipt. They denied receiving a payment. I knew what they were doing so I had my bank ( XXXX XXXX XXXX ) send the payment by check. SLS processed both payments and they still reported my account to the credit bureaus as thirty days late. XXXX XXXX XXXX says they processed their check on XX/XX/XXXX but they didn't credit my account. They have dinged my credit and stopped my refinancing attempt. They are making a 6 % interest rate and they have said they are installing their insurance on my escrow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our home mortgage was transferred to Specialized Loan Servicing on XX/XX/2021 from XXXX XXXX. I have been making the monthly payments. Last month, I got a notice in the mail that they had not received payment. Yet the online account shows up to date, as does the mailed mortgage statement. I was on hold for close to an hour to speak with a customer representative who stated that I was in fact up to date on the mortgage with a next due payment of XX/XX/2021. However today in the mail was again notice that Specialized loan servicing can not find my check ( it was an electronic from my bank to them and confirmed ). This is crazy making and scary as this is our mortgage. It is not okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98112
Submitted Via: Web
Date Sent: 2021-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Specialized Loan Servicing LLC has incorrectly reported a higher current balance on the mortgage three times in the past four months. After I filed disputes to the credit bureaus they corrected the reported balance to the correct, actual balance. On XXXX XX/XX/2021 they corrected this information. Then again on XXXX XX/XX/2021 they corrected it. And now as of XXXX XX/XX/2021 they are again reporting a balance that is {$12000.00} higher than the actual current balance. Three times makes a pattern, and I am concerned that the company is taking retaliatory steps to try and hurt my credit rating because I am currently in forbearance due to COVID impacts on my employment. If not, then at the least this demonstrates poor practice with handling sensitive consumer data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2021-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had applied for a loan modification on my second mortgage. SLS had approved me but the surprise was that the bank asked for a XXXX down payment which I didnt have. I am hoping that the OCC can help me save my home and work out something with my lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A