Date Received: 2021-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was one of the many people that were affected job wise by covide 19, now after numerous requests to my mortgage company they are not even bothering klooking at my situatuin and want to take my home, I am XXXX of XXXX, thisis the onlyt place i have left, and the mortgage company after numerous of lies, will not even review my petion for a workout plan I like so many others were affected by the pandemic in XXXX of XXXX At that time I worked 2 jobs ( XXXX ). And I lost one of my jobs causing a loss of income My mortgage company was offering a forbearance option that allow to put your mortgage payments on hold with the option to after workout a repayment agreement, I applied and I qualified, my mortgage company than 2 more times asked if I wanted to extended my forbearance which I did and qualified, My forbearance agreement is coming to an end of this month and at the end of XXXX I reached out to the mortgage company to ask some type of repayment plan or modification Only to receive a notice saying that they are not willing to help and the only options was foreclosure or short sale I am a single person, battling XXXX and still working 2 jobs in order to have my home, why would a bank offer to pause payments only to than deny any assistance to cover those payments and take someones home, I feel it was done in bad faith and deceiving people. This should not be allow by any bank, we all suffer from this pandemic ... no bank should take advantage of it by taking peoples homes I feel that i am being descriminated upon, from being a single woman suffering from a deadly diease ( XXXX ) and not doing well at all SLS has lied to me since XXXX, first by saying they were sending a package, only to receive denial letter, saying you had reviews my package, which was a lied, this happen 3 times,, than finally you did send me a package, i sent back, and the same day you received my package, ( per confirmation of customer service rept that i spoke with ) you sent a denial letter how can in compliance you reviwed my package, understood my hardship? without even looking at my documents? also not to mention that the fact that the RI housing comission had sent 5 3rd party authorizations, requested numerous requests to speak to someone and no one ever called or emailed him. the fact that i had a collection representative called me XXXX weeks ago, and was extremelly rude and treating, I have recorded and so should you, due to her attitude I ended up in the hospital that night with an anxiety attack because i could not breath ( i alaready have XXXX and XXXX issues ) this is unfair, unethical, descimination I am writing to you in regards to my numerous requests for a modification of my loan due to being affected by covid. After reaching out to SLS in XXXX to explain that I was back to work and I would like to work out some time of work out plan I was told a package would be send out to me, I never received such package and instead i received a denial letter, I then contacted SLS again and asked how can they make a decision without any factor and reasons, I was told again that another package would be mailed out, again never received one, and again received another denial letter. Finally on XX/XX/XXXX i spoke to someone and they sent me a package via email, which i sent back on XX/XX/XXXX, and was received by your company on XX/XX/XXXX, well today I received a letter dated XX/XX/XXXX, again with a denial of any type of work out package of any form. Please explain to me, how can you receive my documents, along with my hardship letter and on the same day you review the package and send out a denial letter, I am forwarding all this information to al the media outlets, this is not just unfair, its umanly, if they took the time to read and see my issue, I know something could be done, all my representatives in my state can not believe this is happening, my local TV station wants to interview me. My letter to the bank : I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments. Due to the impact of the stay-at-home order resulting from the Coronavirus pandemic, I lost my jobs temporary from XX/XX/XXXX to XXXX 2021my monthly income. I am a high-risk person, battling XXXX and the sole provider, for my home, and taking care of my only companion my dog that is also battling XXXX, and being home due to the pandemic cause a very hardship on my income and in my health as well. I reached out to SLS for a forbearance agreement which had been granted to me. And I am very thankful for it, but I would like to now find a solution to repay my mortgage and continue my payments. I would like to suggest an alternative that I have seen with other servicers and loan pools in allowing a first mortgage at a lower principal amount and a silent second mortgage. This approach provides for an affordable monthly payment. The servicer receives interest payments and upon future sale or refinancing full payment of the second mortgage. May we explore this alternative, " non-standard '' loan modification? Although, I would argue over the past four years this loan modification with a silent second or unpaid principal balance agreement has been more standard in securing a mutually acceptable and affordable retention plan. I understand that SLS had provided with a mortgage modification in XX/XX/XXXX when my divorce finally become final, and due to my divorce hardship, I went on and found a part time job XXXX in XX/XX/XXXX so I could have more income and my home business that I had to put on hold ( 3 years ) during my divorce, due to health reasons and XXXX, I finally started to work on that again in XXXX of XXXX, and I was able to keep up with the payment on time until I feel a month behind in XXXX of XXXX due to health issues, but I than caught up with my payments even on the forbearance agreement. I can be reached at XXXX any time after XXXX XXXX or by email at XXXX, Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mortgage Servicer, Specialized Loan Servicing, failed to provide a refund for a subsequent bi-monthly mortgage payment debited after a payoff statement was issued and failed to refund a preemptive late fee incorporated in the payoff statement : XXXX XX/XX/XXXX - SLS provided a Payoff Statement to New XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - SLS receives an automated bi-monthly payment for {$620.00} XXXX XX/XX/XXXX - SLS receives payment in full via XXXX XXXXr from XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XX/XX/XXXX - Consumer requests XXXX refund XXXX/XXXX payment and late fee without formal Error Resolution Notice per 12 C.F.R. 1024.35 XXXX XX/XX/XXXX - Consumer files complaint with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX closes complaint SLS provided XXXX a second Payoff statement dated XXXX XX/XX/XXXX, reflecting the XX/XX/XXXX bi-monthly auto-debit payment, which was NOT used in the underlying mortgage refinance transaction with XXXX and XXXX Both SLS Payoff statements ( XX/XX/XXXX and XX/XX/XXXX ) included a preemptive Late Charge fee of {$34.00}. The Late Charge fee was assessed in the underlying mortgage refinance transaction per instruction from the SLS payoff even though the monthly auto-debit and receipt of the payoff funds via wire were received timely. Also, SLS provided different daily interest per diem rates in the Payoff Statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Sir/Madam, The story begins with the XXXX XXXX XXXXXXXX takeover of XXXX which at time was our mortgage company having refinanced with them both our first and second mortgage in XXXX. In the summer of XXXX I lost my wife of XXXX to XXXX and the following year XXXX XXXXXXXX XXXX successfully guided me through the mortgage modification process. It was a great experience because the modification helped me avoid losing my home which would have been devastating at the time. Once the modification was complete Fannie Mae connected me with XXXX XXXX and I never heard again from XXXX XXXX XXXX regarding the first or the second mortgage. In XXXX of last year, just as the COVID-19 epidemic started spreading I was faced with foreclosure action showing XXXX XXXX as the owner of the note which indicates that the second mortgage somehow got internally transferred through XXXX XXXX XXXX and her subsidiaries and almost ten years later it has come back to haunt me. I did hire an attorney last year who has been trying to make sense of the situation and negotiate a settlement with a company called Specialized Loan Servicing LLC which seems to be behind this, but so far they accepted and then promptly rejected our offer and have shown to be anything but reasonable. As you no doubt are aware that appears to be the reputation they enjoy nationwide. The reason I am asking you for help is because at the end of XX/XX/XXXX XXXX XXXX XXXX filed a Satisfaction of Mortgage notice with the XXXX XXXX XXXX. Despite this I continued paying XXXX XXXX regularly to this day which can be easily verified with them. I now believe that the mortgage satisfaction was filed by mistake because XXXX XXXX had to file a Rescission of the Satisfaction filing last year. Considering the scandal with XXXX and the subsequent tens of billions of dollars awarded by the US Government to XXXX XXXX XXXX to deal with the toxic asset situation, its reasonable to assume that the original intention must have been to file a satisfaction of the second mortgage. I appeal to you to have this looked at as soon as possible and find a way to settle it once for all. Please find enclosed copies of some of the relevant documents. Looking forward to hearing from you and please copy my attorney on all future correspondence. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred from Specialized Loan Servicing to XXXX. I was not aware of the transfer until I got a notice from XXXX regarding hazard insurance. My first loan payment, I thought was due to SLS XX/XX/2021. I paid and it went through. I got the letter from XXXX about hazard insurance at the end of XXXX and thought it was spam. In the beginning on XXXX I was trying to pay my mortgage payment with SLS over the phone and got an automated message that my loan was transferred. The next day I called XXXX and they confirmed the loan was transferred to them and I was to pay them for XXXX and XXXX. I explained that I already paid XXXX through SLS and paid XX/XX/2021 to XXXX. I called SLS again to get them to transfer the payment to XXXX per the transferring of the loan. The first representative stated that the loan would be transferred within 7-10 business days. I followed up and called XXXX XX/XX/2021 to see if the payment was transferred and it was not. I followed up with SLS after on the same day and this new representative told me that the payment was transferred when the loan was transferred in XXXX and that I would need XXXX to investigate their payments to find the one for my account. I then called XXXX and they searched to see if any payments went through that were not yet associated to my loan, and there was none. I was then told SLS needs to investigate. I then called SLS and another rep they told me were not going to transfer the payment it was already applied to my loan through them since the loan was still with them the date of payment XX/XX/2021 and my loan was transferred XX/XX/2021. I called XXXX to explain and they said the loan was transferred in XXXX. I then called SLS to request documents/ records to prove so I could send to XXXX . This is what really makes me upset, SLS told me they did not have any records or documentation for my mortgage loan as they sent it all the XXXX when the loan was transferred. Furthermore, I tried two separate times with two separate representatives and asked to speak to a supervisor or manager or for the call to be escalated to someone who could get me the records. They would not transfer me to anyone higher up and stated they would put in a request for a supervisor to contact me within 72 hours. I asked if they could give me confirmation of the request or some way to know when I could expect this call and they said no. I then called XXXX again extremely upset that my mortgage transfer got so convoluted and no one could give me any answer as to why both companys are claiming that the transfer date is different and somehow XXXX still thinks I owe for XXXX, even though SLS told me the XXXX payment I made already went towards my mortgage loan. SLS should be sued, and I just might consider legal representation against them if they do not sort out where one of the companys went wrong in transferring my mortgage loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33709
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The loan was paid in full on XXXX, now they are sending foreclosure notices on the mortgage. Contacted the company about closing this account several times but have yet to receive updated information that was requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: The outstanding Principal Balance of XXXX of loan number XXXX was paid off on XXXX. I have been waiting for something from Specialized Loan Servicing to take to the lawyer so that the deed can be switched over to my name since I am the executor of my mothers estate. But instead they sent me a stack of new mortgage payment statements. In XXXX they sent a Mortgage Payment Reminder, my wife contacted them but they refused to speak with her regarding this mortgage despite me giving authorization many times to speak to her, since I have to continually take off of work to contact them. Now I am receiving foreclosure statements, I can't understand how a mortgage be in foreclosure when in is paid off. I took off work again on XXXX and contacted them again to let them know that the loan was paid. Now I was notified that to close the loan they wanted more monies to close the loan plus late fees for the 4 months starting in XXXX, XXXX, XXXX, and XX/XX/XXXX, but nothing was due so how could I get late charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: From the moment Specialized Loan Servicing assumed my loan, the companies only intention was to foreclose on a distressed property of a single, XXXX woman. Although, the company professes to support XXXX homeownership online, it is purely virtue signaling, as this company has had no other intention than to foreclose on my property, which is a short 7 minute drive to XXXX XXXX family home. Lik e vultures in for a kill, they have done all they can to consume my time and energy while running up delinquent payments and forcing me into a unfavorable home loan modification. The enclosed index of statements documents from SLS website demonstrates that although I had applied for a mortgage modification prior to SLS assum ing my loan from XXXX XXXX XXXX and XXXX in XXXX, XXXX ; it was literally several months if not more than a year before Specialized Loan Service acted on my RMA. I have enclosed an RMA from XX/XX/XXXX. A full two years after I filed my original RMA. Additionally, you can see from the index that my account was in a constant state of reassignment of customer representatives. This created a constant renewal of the story with each agent, as if I had never contacted the company. Agents do not seem to keep track or document customer events, as well, there is a different agent each time one needs to speak to the company. Customer service agents also do very little to explain, clarify or assist homeowners in home affordability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I need a repair affidavit form from CMC Funding. Their website to supposed to make it available to me but it isn't. I contacted SLS, who services the loan but they would not help because I was not willing to give them the last 4 of my social security number. I WILL NEVER GIVE THEM THE LAST 4 OF MY SOCIAL OVER A PHONE!!!!!!!!!!!!!!! so don't take that as their response. The repair affidavit form is a BLANK FORM!!!! They will not make it available to me or mail it to me!!!!!!!!!!!!!! Please help me get them to send me the required form so I can fill it out and send it back so the funds to repair my house will be released!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC took over loan in XXXX from XXXX XXXX, I had reported then then in XXXX to CFPB and they straighten it out. I have a appraisal of {$780.00} XXXX and only borrowed {$150.00} XXXX with fixed rate on conforming good residential property.I have never been late. This company puts a draft into my account to be paid .I open mail to see a letter saying i am not making the correct amount of a payment HOW IS IT POSSIBLE THE DRAFT IS PAID AND I HAVE NO NOTICE OTHER THAN THIS XX/XX/XXXX SAYING I OWE {$1.00} I have the letters to send. When the bank shows there is no missing payment YET THIS PAPER SAYS BECAUSE IAM NOT PAYING THE CORRECT AMOUNT .The draft from them has never changed. AFTER 15 calls i finally in the last two days have spent 8 hours a day talking to them .They refuse to mail me anything that has dates amounts with what they have done. The last person i was transferred to is XXXX in the customer assistant section. You can not get phone numbers no one ever calls back YOU HAVE TO HOLD THEY ALL SAY THEY CAN NOT GIVE SPECIFIC INFORMATION OR MAIL OR EMAIL,,,,, ONLY customer service Even in the so called escalations dept they refused to send me any documents about what they are doing.One person not sure i have phone records her name XXXX said the only two letters sent was one in XX/XX/XXXX and one in XX/XX/XXXX saying i was behind in taxes .I paid {$1400.00} XX/XX/XXXX only having a small balance i paid all but a couple of XXXX the tax due in XX/XX/XXXX I SENT IN the bank received a refund .BECAUSE this company wants to create a way to attach my property illegally .I paid my taxes and my bank shows a refund from the tax people .SIS had no right to pay XX/XX/XXXX the money they admitted they had not called to see what was paid first. XXXX told me they created a escow account there is nothing i can do about it. I begged her for a fax number she said she did nt have one and it takes days to get looked at.I said both of us are paying the taxes and you did not have the right ... the amount was not due until XX/XX/XXXX THE LAST AMOUNT LEFT WAS PAID XX/XX/XXXX leaving only a couple of XXXX There was a couple of calls made but it sounded like a phishing call ... how can a lender operate without giving employees access to the files or disclose the information to the consumer PRIOR TO taking action .Then refusing to give details I said to XXXX isnt there a way to show my payments to the tax people she said no THE ONLY WAY IS TO HAVE THE TAX PEOPLE SAY THEY MADE A MISTAKE. The tax is above reproach doing a good job. The payments take time to be updated in the system .The mail has been affected with covid I had called their office in XX/XX/XXXX to see what programs they had for covid relief I was told there was none ... I dont know what they have done ... ... i only have this letter saying they have me owing for what i paid directly to the tax office .XXXX tried to say the tax people sent them a bill somehow i doubt that .Even if they did .Somewhere it has to show my payment ... I believe this is another scam.The facts of sending money are usually documented prior.The people at a real lending institution do not act so secretly..i can not get thru to tax people until after XXXX it says on the web site, ,i have a email to one of the la tax people because when i was sent refund i was not clear why???? they have suspended {$980.00} in a escrow account I asked XXXX did she get any fees sent to her from the escrow as this loan is only since XXXX or late XXXX she would not answer.I will get my hud statement I can send what they tried to do with loan care in XXXX until i caught them I spoke to the so called tax dept a nice girl who said she could not mail me anything, I will get the names and phone records to your office, SIS IS A PREDATORY LENDER NOT AFFRAID OF ANY AGENCY Its as if they are i hate to say what i think very strange to have these type of conversations in America PLEASE HELP THANK YOU
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: 2021-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been attempting to close my HELOC since XXXX. I have taken every step in closing my account, paid the closing costs, but the mortgage company has not closed my account and I now trying to charge me for homeowners insurance for a loan that should have been closed in XXXX. I requested to close and freeze my HELOC per their instructions and the account was frozen XX/XX/2021. I requested a payoff statement on XX/XX/2021 and was told to pay online, since the amount was under {$1000.00} this was ok and did not need to be certified. I paid the payoff on XX/XX/2021 and waited. Since the payoff, I received letters that I needed an insurance policy on the house and if I didn't send them a copy of my insurance they would purchase a policy. I called the mortgage company and explain I closed my account and paid the payoff. They specifically told me not to worry about it and the account would be closed and I wouldn't need to do anything. 3 weeks later I receive a notice with the insurance policy they purchased for my home against my will. I have called every day for the past 2 weeks asking if they can please remove the insurance policy and close my account that I have been trying to close since XXXX. I keep getting the same story that they're working on it, and escalating it and they keep pushing the date to which it will be closed by. First it was XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, and this last time they mentioned XX/XX/XXXX. They are keeping my account open against my will. I have frozen the account XX/XX/2021, paid the payoff request XX/XX/2021, and requested many many times to close it. They are keeping it open and charging insurance on my account and I believe this to be fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A