Date Received: 2021-03-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concerned : I have tried to work with my lender but every time that I submit for a loan modification they don't open a new review because they advise that I was already denied once. That they could not create an affordable payment. I have never had a loan modification in the life of my loan and I am just trying to save my home! The last correspondence that I received from them was that they reached out but they never did. No additional documents were requested and they just denied the application as soon as it was submitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a complaint about Specialized Loan Servicing ( www.sls.net ). My father died from XXXX in XXXX. He was listed as the borrower on a small mortgage he was paying off for the house he was living in, which I am the title owner of. As we want to sell my father 's house, I sent information to the current loan company XXXX XXXX XXXX XXXX on XX/XX/XXXX via fax and email XXXX my parent 's death certificates and copy of the title showing me as the owner since 2018 ). They promptly reached back out to me and told me this loan was in the process of being sold to another company XXXX XX/XX/XXXX ), Specialized Loan Servicing. I immediately called this loan company that same day XXXX XX/XX/XXXX ) but was told I was not authorized on the account to receive any information. And that I had to wait for a packet to come in the mail at the address of the loan. Nothing has come in the mail from this company as of today XXXX XX/XX/XXXX ). Knowing that I have rights as the owner of the home I went ahead and mailed my father 's death certificate, the title of the loan, and a letter stating that I am the successor of the loan and need the payoff amount priority mail on XX/XX/XXXX. I also faxed this information to the fax number on their website and sent the same information to two different email addresses ( their customer service agents gave me over the phone ) multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). I have called almost daily to get an update and see if they received the information I sent to them ; and to inform them that I have not received anything in the mail from them ( or from XXXX XXXX XXXXXXXX stating that the loan was transferred ). They claim they have not received the information and stated that the problem may be that we don't have the new loan number added to the documentation ( we did include the original loan number from XXXX XXXX XXXXXXXX ), but they could not give me this new loan number over the phone. So now I am stuck with no way of sending them information that I am the successor of the loan unless I somehow get the " packet '' they sent. This is holding up the prospect of selling my father 's house and personally costing me money as there wasn't an estate to pull these funds from and we are still paying on this house. I really don't know what else I can do at this point to get the loan payoff amount. Customer Service : I also want to note that their customer service agents hung up on me multiple times, transferred me when they didn't want to deal with my problem, and were downright rude to me and my wife when we explained our situation and that we have sent them the information they asked for. I have worked customer service before and this was the worst I've ever seen. When I asked to speak to a manager, I was always told that was not possible. Thanks, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2021-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to resolve inaccurate credit reporting by Specialized Loan Servicing. They have corrected the comments on my credit reports but still show 120+ late payments for a property that I did not own during the reporting dates in XXXX and XXXX. I am in the process of refinancing my home loan and the late payments are affecting my loan. In the process I also found out that they filed a foreclosure on the property in late XXXX with my name and my wife 's listed on the documents. We were not the owners of this property ( See Attached Documents ). I have called this company on XXXX XXXX, XXXX @ XXXX, spoke to a representative who said this would be fixed XX/XX/XXXX. Called again on XXXX XXXX and XXXX. Each time put on hold for 30+ Minutes, told that I'm holding for the escalation department who never answers or told that someone will call me back. All contact ended with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been on a forbearance since XX/XX/2020. I asked on XX/XX/XXXX for an extension. I was told no at first but the young lady told me she will put in one and see what happens. This was after I told her what I believe my rights are since my home mortgage is covered by XXXX XXXXe. I was also told my home is schedule for a foreclosure sale on the XXXX of XXXX. I mention the Foreclosure moratorium but was told that does not apply to my home. I was told in needed over XXXX to bring my home current for reinstatement. Please Advise asap. I am a single father of XXXX and I just started my new job with my State Government on the XXXX of XXXX. I was out of work for over 14 months. Specialized Loans Servicing is the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2021-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS.net has been my loan servicer since XX/XX/2020. There's a late charge of {$2000.00} that was added to my account. I have been trying to get SLS.net to provide proof of when the charges have been incurred and they keep sending other documents besides the document being requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a mortgage payment in the amount of {$1500.00} to XXXX on XX/XX/XXXX, via ACH payment. At this time, my loan was being transferred to Specialized Loan Servicing. Realizing I should have waited to pay directly to SLS, I contacted XXXX about the payment. They assured me they would forward the payment to Specialized Loan Servicing. I contacted SLS regarding the matter. I was advised by SLS not to make an additional XXXX payment, as it would be applied when transferred to them. After waiting for an extended period of time, I contacted Specialized Loan Servicing to see why the payment hadn't been applied yet. SLS claimed they never received the payment. XXXX provided me with a copy of bulk check number XXXX with FedEx tracking XXXX, and claimed that my {$1500.00} payment for XX/XX/XXXX was included in that check to SLS. I contacted SLS again and gave them the information. They insisted they had not received it but would open up a dispute with the information I had provided. After several failed attempts to resolve the issue with customer service directly, I wrote a formal notice of error to Specialized Loan Servicing. I provided them the information given to me by XXXX that showed the payment had been received and deposited. After conducting their research, they provided an official statement claiming that they did not receive any payment, and that there was no error on their part. I then submitted a formal notice of error to XXXX advising that Specialized Loan Servicing conducted research, and concluded no error on their part. XXXX responded again stating that the payment had been forwarded to Specialized Loan Servicing, and this time provided me with a redacted copy of the itemized account list contained in the bulk payment. I have evidence that the check with my specific payment was received, signed for, and deposited by Specialized Loan Servicing, yet they refuse to apply it to my account or refund it to me as requested in my formal letter to them. While my payment was being disputed with SLS, I continued to make on time payments for XXXX, XXXX, and so on. I was told I did not have to repay the XXXX payment while it was under dispute. Nobody contacted me to advise the dispute was over. This labeled my XXXX payment as late. My XXXX payment was instead applied to XXXX, and my XXXX payment was applied to XXXX. I contacted their customer service multiple times trying to resolve the missing payment with no resolution. Once I discovered the dispute was closed, I made an additional payment to cover XXXX and avoid penalty. It wasnt until I requested my mortgage insurance be removed after the new year of XXXX that I discovered they had labeled XXXX, XXXX, and XX/XX/XXXX payments as late. Because of these late payments, SLS has refused to remove mortgage insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX To whom it may concern, On XXXX XX/XX/XXXX I refinanced my home. My new lender was to be Specialized Loan Servicing LLC. Account # XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX My first payment was not due until XXXX. On XX/XX/XXXX I received notice that they had sold my loan to XXXX XXXX XXXXXXXX XXXX. Account # XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX XXXX They said any payment after XX/XX/XXXX would go to XXXX. On XX/XX/XXXX I sent my first payment {$1300.00} to XXXX. The late fee is not in effect until the XXXX. They returned the payment on XX/XX/XXXX. When I called them about it they said it was to go to Specialized Loan Servicing LLC because it was technically due on XX/XX/XXXX. I called Specialized Loan Servicing to make a phone payment but they had no record of me, my husband or either of our SS numbers. I talked to 5 different departments but no one could help. On XX/XX/XXXX I sent a payment to them via bill pay ( Through XXXX XXXX {$1300.00} XXXX on the computer to see if that would solve it but they returned it on XX/XX/XXXX. I have tried everything I can think of and do not want to be harmed by incurring unfair late fees or have a derogatory comment on my credit history. Please advise. Sincerely. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am accusing SLS Servicing of Disparity Treatment. I am requesting an inquiry of how many people / loans the company has unilaterally offered a Modification without documentation vs documentation. How many people have been affected by the arbitrary judgment of the individuals in loss mitigation. SLS states to send an offer of a modification which was not received, and to not extend it. I am asking CFPB if an audit has been made for this company. I have a recording of SLS which stated my payment had been received and a statement stating it was not received and it was applied the following month. I have XXXX XXXX screenshots / PDF and recording that they refused to take a payment and had transferred the loan without the 15 day requirement. I also have XXXX XXXX send me documentation about another customer and their internal records and modification. I have documentation of the original lender not following proper loan origination, servicing and FDCPA practices. it has yet to respond to my original request via the CFPB complaint. Is this not of CFPB concern? let me know where I am to forward the over 100 pages of illegal practices. This is bad practices and bad faith on not 1 but 3 lenders/servicers by transferring the loan 6 times in under 12 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XX/XX/2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX Dear Sirs and Madams : Hope this finds you well. I am completely distressed because my mortgage service provider, Specialized Loan Servicing LLC ( SLS ), refused to honor on the credit reporting the fact that I was unable to pay my mortgage during the heightened months of the Covid-19 pandemic. I was greatly affected by the pandemic during the months of XXXX, XXXX, XXXX and XX/XX/2020 and didn't even have the wherewithal to find out about the easy steps of putting a forbearance into place, and was certainly not in a position to engage in the forbearance process. However, unfortunately, I have since found out, that even for individuals who tried to put a forbearance in place, SLS still often did not honor these forbearances on the credit reporting. After the above aforementioned covid months, I completely caught up on my mortgage payments, including anything owed during those months ; my mortgage is currently perfectly up to date in payment, yet, my credit is ruined by SLS because of their reporting late remarks for the covid months of XXXX, XXXX, XXXX and XXXX of 2020. I have begged SLS to remove the credit report late remarks of those four months. Can you help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A