Date Received: 2021-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to Covid19 my business took a decline and I was unable to make mortgage payments. I requested a forbarence and in XX/XX/2021 I was told by telephone to resume my payments and the balance I owed would be deferred. That was not true as I did as I was told =, made a payment and thsn recieved notice of forclosure. I called loan service company and requested another forbarence to figure out what was going on with my loan. Meanwhile, in XX/XX/2021 I did recieve a letter requesting I accept a derferment, I called to confirm the letter as my prior experience this was not true. When I called, I was told a modification would be a better option. I filled out the modification application which apparently cancels out the deferal request. XX/XX/XXXX I recieved notification that modification was denied and was offered options of short sale or deed in lieu of trust. My intention was to always keep my home. I am frustrated by the run around and misinformation, I was told repeatedly and only to recieve a response to leave my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97520
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SUMMARY OF COMPLAINT : I have requested a working solution, allowing for me to retain my home as my primary residence, to address forbearance payments allowed beginning in XX/XX/XXXX under the CARES Act mortgage forbearance allowed for federal loans. My mortgage servicer company has denied options that include keeping my home stating that I do not have a federal mortgage and therefore they are not obligated to offer any assistance. After continued attempts for resolution they refuse to provide proof that it is not a federal loan nor have they provided a satisfactory solution to the forbearance amounts. Instead they are pursuing foreclosure. I've contacted a HUD counselor who also has not been able to get any help from the servicer. COMPLAINT DETAILS : I purchased my home in XXXX with a XXXX XXXX mortgage. I was granted a XXXX forbearance of mortgage payments beginning XX/XX/XXXX due to Covid affects and allowed by the CARES Act of XXXX. Subsequently, I was granted 2 more extensions for a total of 9 months ( XXXX XXXX ). My mortgage servicer at that time was Specialized Loan Servicing ( SLS ) who had become my servicer in XXXX. I received notice in XX/XX/XXXX that ownership of my mortgage had been transferred to XXXX XXXX as Trustee for XXXX XXXX Trust. I was then notified in XX/XX/XXXX that my loan servicer would be a new company Select Portfolio Servicing ( XX/XX/XXXX ) effective XX/XX/XXXX. I contacted XX/XX/XXXX in XX/XX/XXXX to request the final 3 months of the 1-year forbearance option offered by the CARES Act. XX/XX/XXXX stated that I was not entitled to protections offered by the CARES Act and that I wasn't a XXXX XXXX loan. I disagreed with their statement maintaining that I am entitled to CARES Act protections. I also stated that regardless of my current status as a XXXX XXXX loan I was XXXX XXXX when I entered into the forbearance period so was entitled to the full year offered by the Act as well as loss mitigation options to keep my home including the option of adding the forbearance amounts to the end of the loan. XX/XX/XXXX argued I was not a federally protected loan but that they should be able to provide assistance under their own programs after I completed an application for assistance. Since I was unfamiliar with what to do at that moment in time I completed the application for assistance on the XX/XX/XXXX website and received notice that my application paperwork was complete and after review of the paperwork XX/XX/XXXX would provide a response. A letter dated XX/XX/XXXX denied assistance and only offered " Home Non-Retention Options ''. I appealed the decision within the 30-day period required, on XX/XX/XXXX, claiming the CARES Act protections still apply. I remained in contact with the servicer while waiting for XX/XX/XXXX to review my appeal and was told repeatedly to continue waiting for a response to the appeal. However, I never received a response to the appeal. I was then notified via an email on XX/XX/XXXX that correspondence was loaded into my XX/XX/XXXX website account. The correspondence was a letter dated XX/XX/XXXX that XX/XX/XXXX referred my account to an attorney for foreclosure. I immediately contacted XX/XX/XXXX and their representative stated they had not looked at nor reviewed the appeal since it was submitted to XX/XX/XXXX by me and that he would expedite a review. I was told to wait yet again and to give them 3-5 business days for a response. Since it had been already been over 50 days since I submitted my appeal and they had started foreclosure procedures I decided to contact my local HUD counselor for assistance. I contacted the local HUD counselor that same day and explained the problem I was having with my mortgage servicer and provided documentation supporting my claim as a federally protected mortgage. The counselor subsequently contacted both SLS and XX/XX/XXXX and has had significant difficulty with the companies just as I have. This includes XX/XX/XXXX telling the HUD counselor that I had not submitted documents for assistance. I was then able to provide documentation to the HUD counselor that I had submitted all required documentation and that SPS acknowledged receiving it. A 3-way call on Friday, XX/XX/XXXX with SLS, the HUD counselor and myself resulted in the SLS representative stating the loan ownership changed in XXXX and that he could refusing to offer any more information. The HUD counselor has submitted Qualified Written Requests ( QWR ) to both SLS and XX/XX/XXXX for proof of loan ownership changes as well as other questions related to this complaint ( see attached QWR copies ). To date neither I nor the HUD counselor have received supported information/documentation from SLS or XX/XX/XXXX that I am not entitled to CARES Act protections. The mortgage servicer continues their efforts to foreclose my mortgage. I did contact XXXX XX/XX/XXXX, which is 7 days since my contact with them regarding the foreclosure process and I was told my appeal was being expedited. XXXX says they can not provide a decision until they discover the source of the problem as to why they didn't review the appeal. I stated to the representative that the internal failings related to them should not affect them providing appropriate home retention solutions. He spoke with a supervisor and I was told their hands were tied while the appeal was in review. The foreclosure process still continues. ADDITIONAL INFORMATION : XXXX. XXXX claims SLS did not make them aware my mortgage was XXXX XXXX so therefore in the eyes of XXXX it is not. They have refused to follow-up with SLS to verify why it was reported to them as a non-federal loan. 2. I contacted FHFA who only referred the matter to XXXX XXXX. 3. In XX/XX/XXXX I verified via the XXXX XXXX website tool that my loan was in fact XXXX XXXX. The website tool identified that yes, my mortgage was a XXXX XXXX loan. After contacting XXXX XXXX, both via their website and phone, result in the representative stating that I am not a XXXX XXXX loan and that I must speak to the mortgage servicer for inquiries. I have made it clear that I am looking for help because, at minimum, I was a XXXX XXXX loan in XX/XX/XXXX and need help to find how that was changed. They denied assistance and only refer me back to the servicer. 4. Per the HUD counselor there appears to be a discrepancy regarding paying escrow amounts however the company never explained to me that these amounts were required during the forbearance period. 5. This complaint is about 3 entities : XXXX XXXX XXXX ( XXXX ), Specialized Loan Servicing ( SLS ) and XXXX XXXX because after asking for assistance regarding this matter I'm not able to get assistance from any of them regarding my federal loan status. 6. This complaint is specific to my mortgage loan however I do have serious concerns regarding the transfer of mortgage loans from XXXX XXXX regular type loans to a XXXX XXXX Investment Trust ( XXXX XXXX ). The offering circular for XXXX XXXX XXXX XXXX appears to reflect that ultimately XXXX XXXX is still backing the mortgage loans included in the trust so I can not understand how XXXX XXXX, SLS and XXXX can state that my mortgage is not a federally backed mortgage. This complaint is submitted against SLS in conjunction with complaint number XXXX against XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I receive a notice that there was going to be a shortage in my escrow account I called the lender and spoke with a representative that gave me the breakdown of the shortage, insurance went from XXXX - XXXX and my taxes went up XXXX. I was then told to keep my payments the same I would need to send XXXX which I did on XX/XX/2021 and called them and advise them that this was a escrow payment. Now I see that they didn't apply that payment and now said I was short XXXX cents which was never mention in the conversation I had with the representative. I just sent them XXXX to cover this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX I received an Escrow Analysis from SLS, Mortgage. It showed I had a deficit of {$250.00}. I questioned the deficit because I have always applied overpayment of my monthly mortgage payments to escrow account. I contacted SLS, Mortgage on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently XXXX. Each time no one could explain the deficit. Also, I questioned why my mortgage payments were not consistently the same amount during the year XXXX when I have a static interest rate and loan. Again, no one could answer the question. I requested a Supervisor call back from Escrow. Rec 'd call from Supervisor who could not explain, but says they are in the process of having a department specifically to handle Escrow escalations. I never heard back from SLS. I then emailed them by the email address on their website for contact. I received an email reply, simply saying " my request had been previously addressed ''. To avoid any increase in my Mortgage and non response from SLS, I paid the deficit to avoid an increase in my mortgage payment. I contacted SLS on XXXX to verify payments to Escrow was received and what my house payments would be. Again, they could not confirm and said they would have a Supervisor to call me. This company can not provide me with any accurate information, so I am forced to pay the a mortgage payment that can not be substantiated with evidence.
Company Response:
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2021-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: We have been trying to get this corrected on our credit report since XX/XX/XXXX. Can you please assist us with providing us a letter stating that we have paid the account in full as of XX/XX/XXXX and that we had no 60 days late or greater in the previous 12 months. We requested a pay off in XXXX of XXXX, and when we did not receive it, we paid the balance, plus two extra payments. We tried for 6 months before we were successful in closing this account at the end of XX/XX/XXXX. This is now compromising our ability to get a better interest rate on our mortgage, and costing us time and effort to get this resolved. We have until XX/XX/XXXX to resolve this without incurring further fees. We would very much appreciate you providing this documentation to our SLS account portal and notify us via email that this has been accomplished so that we can proceed with our refinance. cc : Consumer Financial Protection Bureau XXXX, XXXX and XXXX credit reporting agencies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: During the pandemic, our family restaurant was obviously impacted. At that time Specialized Loan Servicing, the company that holds our mortgage, offered a 3 month forbearance which we took advantage of. After the 3 months, I was placed on a payment plan to pay-off the 3 missed payments. During the past 6 months I have received 200, if not more, pieces of mail threatening foreclosure through regular mail and certified mail, plus daily voicemails even though I have talked to representatives on multiple occasions who have assured me we were in no danger of that happening. On top of that, they have placed my account in the bankruptcy division. A previous bankruptcy ended about 7 years ago, well before they took over my mortgage. I feel harassed by this company even though I am taking the exact steps we had discussed to get me back on track. They truly made a very difficult year for us even more of a nightmare with the constant threat of taking our home away from us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2021-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This purported trust claimed to foreclose on a mortgage contract that never consummated in violation of MGL Ch XXXX sec 63 b and has since attempted to sell this property in violation of the bankruptcy laws.On XX/XX/XXXX, I signed documents that I understood was a mortgage and note from lender, XXXX XXXX XXXX XXXX XXXX, mortgage loan # XXXX, at XXXX XXXX XXXX., XXXX, MA XXXX. XXXX XXXX, Massachusetts as shown in the deed recorded at XXXX County Registry of Deeds book # XXXX page XXXX. According to the XXXX County Registry of Deeds stamp at the top right of the page, a purported Assignment of Mortgage to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, Series 2007-9, was recorded on XX/XX/XXXX at XXXX XXXX. in Bk : XXXX Pg : 23-24 Page : 1 of 2 As of XXXX XXXX ( the settlement date ) funds were supposed to be disbursed to XXXX credit card XXXX in the amount of {$560.00}. After 11 years when XXXX discovered they had not been sent, the funds were reissued on XX/XX/XXXX. This was after the purported foreclosure took place on XX/XX/XXXX as recorded by the foreclosure deed that was filed in the XXXX County Registry of deeds on XX/XX/XXXX at XXXX in Book # XXXX page XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for the Benefit of the Certificateholders XXXX, XXXX. Asset-Backed Certificates, XXXX XXXX, is registered on the Securities and Exchange Commissions public website as a purported XXXX trust with its constituting document, ( known as the Pooling and Security Agreement at : https : //www.sec.gov/Archives/edgar/data/1401795/000090514807004515/ecf-1677_ex41.htm This trust never existed and the contact never wa consummated in violation of the statute. The Massachusetts Division of banks sent Industry letters in XXXX and XXXX warning about this and possible sanctions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2021-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Step 1 : What is this complaint about? This complaint is the result of our loan servicer Specialized Loan Servicing LLC sending me a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX. There is a balance due dispute from the loan transfer from XXXX XXXX XXXX to new loan servicer, XXXX Specialized Loan Servicing LLC. The Notice materially overstates the amount to cure at {$26000.00} versus a Specialized Loan Servicing LLC reconciled overdue amount of {$17.00}, XXXX on the XX/XX/XXXX mortgage loan statement. Step 2 : What type of problem are you having? I have been unable to discuss the dispute with either XXXX XXXXXXXX XXXX or Specialized Loan Servicing LLC. I have called both of these companies and they have been unable to resolve the issue. Additionally, I sent a letter to Specialized Loan Servicing LLC disputing the past due and cure amounts, as well as I asked for a reconciliation and provided twelve months of bank statements, as suggested by the Customer Service Representative on XX/XX/XXXX. Step 3 : What happened? The original loan was transferred from XXXX XXXX XXXX on XX/XX/XXXX to Specialized Loan Servicing LLC. XXXX XXXX XXXX XXXX XX/XX/XXXX final loan statement regarding the transfer materially overstated the overdue amount at {$27000.00} versus the XX/XX/XXXX Specialized Loan Servicing LLC mortgage loan statement received, correcting the XXXX XXXX XXXX amount down to {$17000.00}. The original date of the loan with XXXX XXXX XXXX was XX/XX/XXXX. I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX indicating that the loan transfer had occurred and they would be sending two XXXX year-end statements : ( 1 ) A statement reflecting payment and disbursement activity during the time XXXX XXXX XXXX serviced the loan. ( 2 ) A statement from Specialized Loan Servicing LLC reflecting payment and disbursement activity from the transfer date through the end of the year. As of the date of this complaint, the documents have not been received. I received a notice of transfer dated XX/XX/XXXX from Specialized Loan Servicing LLC. I have received the following monthly mortgage statements from Specialized Loan Servicing LLC : Mortg. Payment Total Stmt Due Amount Amount Date Type of Payment/ Date Date Due Paid Paid Payment To XX/XX/XXXX XX/XX/XXXX {$4200.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Phone payment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX On-line payment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX On-line payment XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Mail payment All payments except the XX/XX/XXXX payment have been to Specialized Loan Servicing LLC. Note the following : ( 1 ) I received a letter dated XX/XX/XXXX, that stated that the mortgage loan is in serious default. This letter did not contain any financial information or dollar amounts. ( 2 ) On XX/XX/XXXX, I called Specialized Loan Servicing LLC to discuss the dispute and the representative could not help with any disputes and gave us the XXXX XXXX XXXX telephone number. ( 3 ) I received a Default Notice and Notice of Intent to Foreclose dated XX/XX/XXXX from Specialized Loan Servicing LLC materially overstating the amount to cure at {$26000.00}, versus the reconciled amount of {$17.00}, XXXX to cure reflected on the XX/XX/XXXX mortgage loan statement received. The Intent to Foreclose date is shown as XX/XX/XXXX. ( 4 ) On XX/XX/XXXX, I called Specialized Loan Servicing LLC to discuss that I had not received an XXXX, XXXX mortgage statement and to discuss the disputed outstanding balance. I spoke to XXXX in the Breach Department and he indicated that I needed to contact the XXXX, Colorado office to send disputed requests, as he could not help with disputes. ( 5 ) On XX/XX/XXXX, I called the Customer Service Department again for further clarification and XXXX, the representative indicated that I needed to send a letter to the XXXX, CO office disputing the amount and ask for a reconciliation. I was told to submit bank statements from XX/XX/XXXX to XX/XX/XXXX. I sent a letter to Specialized Loan Servicing LLC on XX/XX/XXXX disputing the amount due, asking for a reconciliation, and sent the bank statements requested. ( 6 ) On XX/XX/XXXX, I also called XXXX XXXX XXXX and spoke to a representative named XXXX, who indicated that all questions, disputes, etc. would have to be addressed with Specialized Loan Servicing, LLC from the loan transfer date forward. ( 7 ) On XX/XX/XXXX, I received a monthly mortgage statement where Specialized Loan Servicing LLC had reversed all payments received from me since the loan transfer and mortgage statement billings, putting my payments in limbo or some type of suspension. ( 8 ) I received a letter dated XX/XX/XXXX, that Specialized Loan Servicing LLC had received my dispute/reconciliation letter and the case is currently under review. The letter stated that they would issue a response to me within applicable state and/or federal timeframes. ( 9 ) It is unreasonable for Specialized Loan Servicing LLC to assess fees to my account while they work out the loan transfer reconciliation and accounting with XXXX XXXX XXXX, as well as respond to my dispute/reconciliation request. The mortgage loan statements currently being received are starting to reflect miscellaneous types of fees that should be removed. ( 10 ) As stated, I did not receive the corrected overdue amount until the XX/XX/XXXX mortgage loan statement, before being forced to default and foreclosure status on XX/XX/XXXX. Accordingly, I made monthly payments during the transfer and reconciliation period, and have made additional payments as I wait to receive and review the response from the dispute/reconciliation request. I was locked out of paying on-line when it was time to pay the XXXX, XXXX payment. The payment was mailed via USPS and received by Specialized Loan Servicing LLC. I will continue to make monthly payments as I work through the matter with Specialized Loan Servicing LLC, as long as they accept my payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I HAVE MADE SO MANY CALLS TO GET PROOF OF why when i was PAYING MY TAXES i was receiving refunds .THERE WAS a AMOUNT LEFT year XXXX {$64000.00} ( I PAID {$200.00} XX/XX/XXXX + {$200.00} XX/XX/XXXX ) ONLY LEAVING {$220.00} ABOUT XXXX I PAID $ XXXX {$300.00} XX/XX/XXXX LEAVING A CREDIT .THE TAXES FOR XXXX FIRST QUARTER WERE NOT BE DUE UNTIL XX/XX/XXXX WHEN I LOOKED at bill online TO PAY THE TAXES ( NOT DUE UNTIL ) XX/XX/XXXX. Checked IN MY XXXX XXXX FROM MY XXXX A SECURITY ALERT ON PAYING THESE TAXES.WITH A REFUND AND A VIODED TAX PAYMENT. I HAD SOME CALLS FROM A XXXX NOT CLEAR JUST SAYING I NEEDED TO CALL sounded like a phishing call.. said XXXX WHY IS IT DIFFERENT THIS IS SPECIALIZED LOAN SERVICING ... .I OPEN UP mail to see a NOTICE SENT date of XX/XX/XXXX i did not receive until around I HAVE ENVELOPE XXXX WHEN I RECEIVED DELINQUENCY ANF FORECLOUSER NOTICE ... ... .SAYS FROM SLSXXXX I WENT TO MY XXXX THEY HAD SUMMITED THE DRAFT EVERY MONTH FOR PAYMENT AND HAD BEEN PAID.HOW CAN THERE BE A FORECLOUSER NOTICE I HAVE NOT MADE PAYMENT WHEN THEY ARE TAKING IT OUT OF MY XXXX SHOWS PAID? WHEN I CALLED SPEAKING NOW TO SEVEN DIFFERENT PEOPLE.I thought was in excalation dept to get help. I HAVE so many DIFFERENT STORIES BEING TOLD TO ME.LAST NIGHT I TRIED AGAIN A MAN SAID THERE WAS A ANSWER TO THE COMPLAINT I HAD MADE with CFPB # XXXX HE SAID just wait for that .YET I SEE NO ANSWER HE REFUSED TO TELL ME ANYTHING OR WHERE I COULD CALL TO FIND OUT WHAT THEY ARE DOING.I HAVE BEEN LIED TO THE GIRL I SPOKE TO LAST WEEK ( I have her name as XXXX said two letters have been sent XX/XX/XXXX & XX/XX/XXXX when i spoke to XXXX who said she was customer assistance ( she said there was no excalation dept ) yet i was told that is who i had been speaking tooXXXX said the Tax people sent her a bill.I do not believe that.i also said to her why is she saying SLS PAID {$1700.00} when i asked for proof of what is being said she did not offer any way to get the proof, I had asked the so called TAX DEPT THE SAME QUESTION AND HAD THE SAME ANSWER.nothing is sent, XXXX said when i took loan i signed something about TAXES if i did'nt pay them .WELL i was paying them.I had no idea it meant that they had a right to pay taxes not due until XX/XX/XXXX ... .or that without giving notice to me or verifying with TAX OFFICE TO SEE UPDATED PAYMENTS it allowed them to pay.Or pay not giving me the opportunity to show my payments .This XXXX said i asked is there a fax number or way to show my payments she said no. I had been paying with my bank bill pay SHE refused to give me proof of what she saiD XX/XX/XXXX when i went in to pay showed there was no due tax ... ... ... .i had paid all the rear taxes by XX/XX/XXXX and if there would have not been tax refund or their interference there would not be a problem I had a refund sent to me from the tax office and also a voided check. I can not allow these people to go into my bank with a draft anymore,,,,, ,i do not trust what they are doing, To leave calls from XXXX and then switch to SLS AND NOT GIVE A CLEAR NOTICE OR REFUSE TO ANSWER, No matter how many people you talk to OR TO PAY TAXES NOT DUE UNTIL XX/XX/XXXX. I ASKED FOR XXXX XXXX XXXX of specialized loan servicing LLC ONE GIRL at the company SAID XXXX Oh he is not in the XXXX he is in XXXX its only his license. ) I called a number that they said loan was transferred to and the person was very nice saying they would try to be a liason iIhave not heard back from anyone yet i feel specialized loan servicing is attempting to defraud me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing has been servicing my mortgage and I have auto payments set up monthly. In XX/XX/XXXX, I made an electronic payment of {$12000.00} to be applied as an advanced repayment of principal. SLS failed to apply that properly. They applied XXXX toward my XXXX amount due, even though that had already been scheduled. I called in XXXX and they told me the correction would be made. It has not been made. Meanwhile, I received a note that they are transferring servicing to XXXX. I called today, XX/XX/XXXX and spoke with XXXX, teller ID XXXX. She noted that the correction had not been made and they had no record of my request. She put in a new request under ticket # XXXX. Before speaking to XXXX today, I also spoke with XXXX to verify whether my auto payment scheduled for XX/XX/XXXX would be transferred over to XXXX. She said it would not be, which was the opposite of what was stated in the " notice of service transfer ''. I escalated the question and XXXX informed me XXXX was wrong. My experience with SLS is that their agents give incorrect information and do not apply payments as they are legally required to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A