Date Received: 2021-07-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing, LLC refuses to acknowledge that my husband and I have hired an attorney to handle our QWR requests with this servicer because SLS has refused to acknowledge/supply documentation in response to any of our correspondence requests since XXXX. We initially contacted XXXX XXXX 's office for help with our request back in XXXX. XXXX XXXX, our attorney firm, sent SLS a QWR request on XX/XX/XXXX, and SLS has responded by sending the attached letter dated XX/XX/XXXX to our home and no correspondence to XXXX XXXX 's business address. XXXX XXXX called SLS on XX/XX/XXXX at approximately XXXX XXXX. PST and spoke to SLS rep XXXX, ID # XXXX. XXXX advised XXXX XXXX that SLS has no idea that we have an attorney representing us, and she asked XXXX to supply her the attorney 's name to which XXXX responded to XXXX by asking/stating words to the effect, " Why did SLS send a letter to my home address dated XX/XX/XXXX and to me personally stating they couldn't respond to a QWR when I have not asked SLS to supply a QWR this year? SLS has sent this letter to me because my attorney sent a QWR request. Your company is well aware that I'm being represented by counsel ; otherwise, I wouldn't have gotten this letter in the first place, and your company should be sending this letter to our attorney. '' SLS rep XXXX then replied to XXXX 's comment by stating that SLS sent a letter to XXXX XXXX asking for appropriate documentation that they are, in fact, representing the Pinedas. XXXX asked XXXX to email her the letter that SLS sent to Equity Legal, and XXXX stated she was unable to gain access to this letter to which XXXX asked, " Then how do you know your company sent XXXX XXXX a letter? '' XXXX was unable to provide a response and stated she was reading notes on her screen. XXXX then asked XXXX to contact the appropriate department who has access to the letter and to have the letter sent via mail to XXXX 's home address on XXXX XXXX XXXX XXXX As of today, XX/XX/XXXX, SLS has not supplied documentation showing they sent our attorneys at XXXX XXXX any correspondence in response to our attorney 's QWR request or in response to SLS 's inquiry stating they need proof that we've hired counsel. SLS refuses to provide a lien removal on our property that was initially done by XXXX which makes it impossible to refinance our first mortgage, and SLS has refused to provide documentation to our attorney that they have a legal interest in our property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint is with SLS - Specialized Loan Servicing. They have been in constant contact with my ex-mother in-law ( XXXX XXXX ) over my mortgage and has left me out of decisions by not contacting me. My husband and I were co-borrowers of the mortgage. My husband ( XXXX XXXX ) passed away in XXXX and she was appointed as the executor of the estate for 6 months in XXXX. The reason for this was I had underage children and I was incarcerated. I was incarcerated from XXXX. To complicate the matters, my husband and I divorced in XXXX and I deeded the house over to him. He was suppose to re-finance the house and buy me out but never did. from XXXX, Decisions were made on my behalf without my knowledge and consent. I was only made aware there was a problem in late XXXX when my ex- mother in-law told me she did not know what to do. SLS had stopped accepting the mortgage payments in XX/XX/XXXX. When it was brought to my attention, I for filed a loan modification and on numerous times was told my application was incomplete ( at times, the correspondences were not even addressed to me or to my mailing address ) I continued to get second hand information. SLS continued to ask for XXXX XXXX 's information even though she was not on the mortgage or was applying to be. My application was denied because her information was not sent, I have sufficient income to cover my mortgage payments and wish to keep my home. I believe I am a victim in unscrupulous practices and possibly fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Transunion is falesley reporting a 90 day late payment on our Mortgage for a house in that was sold. The mortgage company Specialized Loan Servicing when contacted says they show no late payments and that per COVID rules the loan was in forbarence and not reported as late. We. also have the forbarence letters and records showing no late payments. Please see the attached 2 credit reports that clearly show Specialized Loan Services Loan was paid with NO LATE PAYMENTS ever! This was disuputed 3 times in a row with XXXX and they still have not fixed the issue. All other credit repoirts show no late poayments. Further you can not talke to a live person and or access their website currently. There's no way to get them to correct it as it seems to be all automated and resets back to the inncorect data. This is impacted our credit and ability to purchase a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2021-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since XX/XX/2019 for last 2 years, I have been trying to modify this loan. Each time, I sent documents for modification, they will come up with something else. Either Signature is missing or sent the lease, got back to me after weeks that the lease needed to be dated under the signature panel even though the lease has been properly dated. Meanwhile the automated system is keep saying, my application is pending review and no further documentations are needed, which is purely misleading as I found. Because of that, I have lost few more months just by thinking my modification is just going fine. The 2nd issue with this company, they are keep telling me to submit the lease for the property that I am trying to modify. I have told them 5 times to different rep that I this is the primary residence and there is no lease on it but I had to explain them in 5 times which cost me another 2 months. At this moment, I am reaching out to this department because I strongly feel that this bank is intonationally doing this NOT TO GIVE ME THE MODIFICATION AND TO TAKE MY HOUSE SO THAT, THEY CAN SELL THIS ON AUCTION WAY MORE THAN THE MONEY I OWE TO THEM. I therefore am asking this department to step up and to help me to keep my home. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2021-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2021, I went to my lender 's website to apply for the covid-19 forbearance that was still available. Afterwards when I was doing more research on what assistance I have available to me, I discovered that the forbearance offer ended on XXXX XXXX! They falsified the facts that it was still available by still offering the link to apply for it! That bit of information should have been on the forefront of important information that they would be relaying to their customers being the fact that they are a mortgage company. There was also a like offered at the same time next to the link I used that was labeled other assistance that I am unable to go back to since I already picked the forbearance link. This link should have been removed from being available XX/XX/XXXX, NOT XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46514
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This letter is to explain the anguish and emotional distress our 2nd mtg lender, Specialized Loan Servicing ( SLS ) has caused our family for years. On XX/XX/XXXX we received a Notice of Trustee Sale, SALE DATE for XX/XX/XXXX, filed by SLS. We obtained a 2nd mtg with SLS, loan # XXXX in XXXX when we purchased our home. Two years later in XXXX property values and the economy started to decline which led to losing my job of 10 years. These were extremely difficult times financially and emotionally. We started to fall behind with our bills and our mortgages. We were able to obtain a loan modification on our 1st mortgage. However, SLS never wanted to modify our 2nd mtg. We tried reaching out to SLS for assistance to modify our 2nd mtg as we continued to fall deeply behind since XXXX. SLS would not work with us and gave us the runaround, from XXXX. The only communication we received was for payoff requests XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. In XX/XX/XXXX, SLS began reaching out to us to apply for a loan modification, dated XX/XX/XXXX. In XX/XX/XXXX I contacted SLS and was directed to XXXX, my relationship manager. XXXX told me that he could not help us it was too late. Although they sent us the modification package to apply, 2 weeks later, on XX/XX/XXXX, we received a Default Notice and Notice of Intent to Foreclose letter. On XX/XX/XXXX, SLS filed A Notice of Default. We were devastated, scared, and disappointed SLS would want to foreclose and not help my family stay in our home. Amid the COVID-19 pandemic out of despair in XX/XX/XXXX we applied for a loan modification online. On XX/XX/XXXX we received a loan modification offer. The loan modification offer came with a down payment condition of {$49000.00}. On XX/XX/XXXX, we expressed to SLS we did not have the required down payment. During a time of uncertainty and we were beginning to experience income loss, SLS refuse to rework the loan modification with a lower down payment. From XX/XX/XXXX to the present XXXX, due to COVID-19, we continue to experience financial hardships. My husband has had to work reduced hours and my XXXX continued to experience loss of income. Now we are both forced to apply for early social security benefits. We continue to contact SLS and advised them of our change of income and financial status, but again XXXX our assigned contact at SLS could care less. We asked many times to speak with his manager but were always re-directed to XXXX. We mailed letters to Specialized Loan Servings CEO, XXXX XXXX but never received a response from him. In XXXX of XXXX, we counteroffer a downpayment of {$5000.00} but SLS did not respond to my counteroffer. Our first mortgage is current, and we continue making our payments in time. As of today, XX/XX/XXXX, SLS continues to express to us that the only way they will give us a loan modification is if we pay a down payment, which has increased to {$51000.00}. My family and I are at your mercy. It has been an incredibly challenging and devastating year for our family and especially dealing with SLS. Please help my family to stay in our home of 16 years, that we share with my XXXX grandchildren, their ages are XXXX, XXXX and XXXX and my XXXX-year-old mother, in our home we love so much. As of today XX/XX/XXXX, we still do not have the XXXX down payment. We accept the loan modification with a down payment of {$5000.00}. Please assist us with SLS to make an exception and modify our 2nd mtg and accept our counteroffer of {$5000.00}. We look forward in anticipation to hear from you to resolve this matter before the SALE DATE on XX/XX/XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan # XXXX Specialized Loan Servicing, LLC ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX. XXXX XXXX, CO XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, CO XXXX Dear Sir, Greetings. The above mentioned company violated our rights multiple times via their negligence, intentional deceit and unfair business practices. This is our SIX Complaint against Specialized Loan Services, LLC for their belligerent and persistent violations of our privacy, negligence, ongoing campaign of unfair Business Practices, predatory practices, negligence, and fraudulent intents. In addition to Violation of " Fair Debt Collections Practices Act '' supplemented with evidence ( attached ), via the following : 1. Failed and continued to fail in issuing and providing Monthly Statement of Account for our Mortgage Loan. 2. Failed and continued to fail in crediting the Monthly Payments to the CORRECT month ; Posted clearly on the Cashed Checks, Listed Clearly on the Monthly Coupon provided by them and even after multiple written and verbal communications via mail, and phone calls, including Multiple Complaints to the FTC! 3. We received a letter from SLS today ( XX/XX/2021 ) referencing the WRONG payoff amount, the WRONG due date for next payment ( monthly payments made AHEAD OF TIME till XX/XX/2021 ). 4. >>>>>Check # XXXX cashed on XX/XX/XXXX as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment of the month of XX/XX/2021. Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. >>>> Check # XXXX Cashed on XX/XX/2021 as a full payment for the month of XX/XX/2021. ( Copies attached ) <<<<<< @ @ @ @ This ACCOUNT Monthly payments are PAID IN FULL, PAID IN ADVANCE AND CLEARLY INDICATED IN EACH AND EVERY CHECK ON THE TOP PART @ @ @ @ 5. Erroneous and unauthorized fees was levied to the account for Statement Fees { $25.00}!! 6. Erroneous and unauthorized fees was levie d to the account for Release Preparation fee s {$20.00}!! 7. Finally LATE FEES for {$90.00}, in total a belligerent violation of our Contractual Agreement ( Mortgage Note ) which clearly states ( ZERO FEES ) can be charge at any time even when / if late. ( Cop of Mortgage Note attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91784
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is with SLS Mortgage Company. In XXXX, I was sentenced to XXXX years in XXXX My husband ( primary mortgage holder ) XXXX me I deeded the house over to him in XXXX. He was suppose to refinance and take my name ( co-borrower ) of the mortgage. He never did. It is my understanding a loan modification happened in XXXX, yet I never signed a document. He got ill and passed away in XXXX. Mortgage payments were missed. He left the house to our XXXX sons and his mother XXXX XXXX was the executor of the estate. She was only the XXXX was XXXX mos. in XXXX, however, continued to contact and negotiate with SLS as if she had the authority to do so. I was not aware of any situation. I was released from XXXX XX/XX/XXXX. XX/XX/XXXX, she informed me that SLS stopped taking our mortgage payments but yet did not get me involve or tell me how bad the situation was. Around XXXX, she informed me and told me I needed to handle the situation with SLS. To do this day, SLS does not communicate with me or send paperwork the my address which is the property in question. I have filed many loan applications, and complied with their request to be told it was denied to paperwork. SLS has dealt with an individual who no authority to do so. This mortgage is under my name and social security, I have shown desire to keep the home as my income is more than enough to cover the monthly mortgage payment. SLS repeatedly has had the wrong information, repeatedly not contacted me, the person whose credit this affecting and as of XX/XX/XXXX, the sole owner of the home. I feel SLS uses unethical practices and my XXXX of being XXXX and not being in communication with SLS at the fault of SLS has now put myself and my XXXX children has being homeless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: 1. Our loan was with XXXX XXXX for XXXX years. 2. Covid 19 struck and XXXX XXXX automatically enrolled us in the program that suspends payments due to the pandemic ( see attached ). 3. Specialized Loan Servicing apparently bought our loan from XXXX XXXX at the 15 of 30 year point right as COVID-19 struck. They did not honor XXXX XXXX loan payment suspend. 4. I was XXXX XXXX due to Pandemic. 5. SLS offered a forbearance plan with warm soothings that they knew their clients would need loan mods or repayment plans because they wouldn't be able to make a lump sum payment at the end of the forbearance. They stated in writing that they would assist in repayment efforts. 6. Now that my forbearance plan ended SLS is refusing any type of loan modification or repayment plan and only giving me option of deed in lieu or foreclosure. My income is well above their parameters, my credit is well above too. If they were going to force a lump sum payment, they should have said that upfront, instead they misled in writing and in their marketing online as well as correspondence within online account holder areas. I have proof. I tried to pay monthly payments beginning XX/XX/XXXX ( end of plan ) but they sent all the payments back. I send them again, they send them back stating they don't accept payments from a delinquent account!! Further, because my wife died of XXXX XXXX before all this occurred, SLS dragged me through an additional 4 months of default. They wouldn't begin the process of letting me apply to modify loan and repay forbearance months until I was the legal successor and it took them four months to receive documents and reach that point. Then another 2.5 to receive and deny my paperwork requesting mortgage assistance in the form of a loan mod or repayment plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A