Date Received: 2021-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS is the servicer of the mortgage with CMC Funding. I had a check from the insurance company for fund to fix my house after a hail storm. The check was made out to myself and CMC Funding. I called to get information on where to send the check and SLS would not help me without me giving them the last 4 of my SS # over a cell phone, which is a very dangerous thing to do. I was only asking for generic information that is not specific to my account but they refused to help me. They also lied to me to say that they could help me if I gave them my account number ( which I did ) and then they went back to they couldn't help me unless I gave them my SS #. I asked to speak to a supervisor, they left me on hold for a half hour and then came back to the line and wanted my SS # again. On top of all this, the lady on the phone continually spoke over me, which was very frustrating. And address should be a simple thing to give out. As well they should be able to tell me how long I had to send the check I registered on their system ( ie, 30 days, 90 days, etc ). This is a policy question, not one specific to my account.
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: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS did not send me the tax form for the 2020 tax year. I also had trouble logging into my account online. I contacted SLS and they would not help me without me providing the last 4 of my SS #, and I will not do that over a cell phone. I submitted complaints through the XXXX. SLS then sent my personal tax document to the XXXX, rather than sending it to me personally. XXXX did not need to see my tax form. THe form had alot of the personal information on it. It is a breach of security for them to send it to the XXXX without my knowledge or consent! Action needs to be taken to for them intentionally sending my personal tax document to the XXXX. It is unethical, unprofessional, and very dangerous to me for them to take this action. I need the CFPB to step in to help deal with the behavior of SLS!!!
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: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Regarding our 2nd mortgage that was sold to the SLS company years ago which they have not sent a mortgage statement for years and we have not made payments for about 8 years or more. Now we are receiving statements and we submitted 2 mortgage relief applications last year in which they lowered the interest but asking a big lump sum payment of about XXXX as a down payment. They keep sending letters with all our options to give them a call so we tried again the 3rd time and got the same option this time they said congratulations we have approved you for mortgage relief option but have asked now XXXX ( Please see attachment ) which we do not have the amount they are asking for. We are reaching out to your bureau for assistance in negotiating with them that is affordable. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 2 problems with Specialized Loan Services ( SLS ) 1. SLS does not post additional principal payments on current statements. Additional principal payments are posted on the following month 's statement although the additional payment was included with regular payment. They post the regular payment but delay posting additional principal payments on the same statement. Additional payments are made to reduce interest amounts immediately not 30 days later. 2. XX/XX/XXXX payment of {$6100.00} was incorrectly posted by SLS and they refuse to reflect it correctly on my account. The payment included XXXX regular payment and XXXX additional principal payment. Due to their posting error the transaction is showing as XXXX although they said they applied the payment. I have no evidence of when the payments was applied and if they are still calculating interest on the additional principal payment. Communication : XX/XX/XXXX - made payment on my account via bill pay. SLS did not post until Monday XXXX and that point I realized the errors. XX/XX/XXXX - sent message using SLS internal messaging system - see attached. XX/XX/XXXX - sent another message using SLS internal messaging system because they fixed their error to benefit themselves but did not fix the payment posts on my account - see attached. XX/XX/XXXX - called customer service and representative powerless to help me. I asked for supervisor and she said a supervisor will call me in 24 hours. XX/XX/XXXX - supervisor called me during work hours and did not leave a direct extension I could use to call her back. XX/XX/XXXX - I attempted to call SLS hoping to get someone who could fix my problem but after pressing all the buttons on their automated system I was told that they closed at XXXX MT although it was only XXXX MT. Thinking the automated system made an error I called back again and received the same message. See attached 6 page documents of screen prints and notes for clarity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am in active bankruptcy but my home is not included in that because it is an investment. I contacted specialized loan servicing in XXXX about doing a deed in leu but they said that I could not because I was in active bankruptcy. At that time I did not have a tenant and asked could my home be taken due to me not paying and they said no because i was in active bankruptcy. I explained to them that the home was not in the active bankruptcy and they stated it did not matter. I received notice on XX/XX/XXXX from attorney about foreclosure on XX/XX/XXXX. I contacted specialized loan servicing and they said that I could not do anything to stop the foreclosure. I sent in modification documents and they are saying that I had to do that 45 days prior to sale date. Well I did not know anything about a sale date. No one there is trying to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, my loan servicer, Specialized Loan Servicing ( SLS ) began sending me notices of delinquencies and foreclosure. My account has been current throughout my Chapter XXXX bankruptcy and discharge. I have proof, in the form of bankruptcy discharge documents and payment confirmation emails from SLS, that payments were complete and on time. Yet, I continue to receive notices of delinquencies and foreclosures from them and their online systems continue to reflect a past balance. It has been two months from my date of bankruptcy discharge and this account error continues to persist. I have contacted Specialized Loan Serving ( SLS ) numerous times since XXXX, but they insist the account has a past due balance. At the direction of their phone agents, I faxed a Qualified Written Request - Notice of Error, along with supporting documents, on XX/XX/XXXX to assist them with remedying the errors. I also mailed the Notice of Error to the address provided on their website on XX/XX/XXXX. It has now been over a week without a response and I'm concerned ( scared, frankly ) that my credit and house are in jeopardy. Attached are some of the key documents that substantiates completion of payments via the Chapter XXXX plan and post-petition/discharge payments made by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2021-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been paying on HELOC mortgage on time & verifying my payments using my USPS monthly statements. The mortgage servicer had been sending me monthly statements prior to this week. I tried setting up my account online this week & due my previous bankruptcy the servicer is refusing allow me online access ( they were included in the bankruptcy but I have equity in my home so I continue to pay them ). Now that they have my email address & I consented to electronic delivery they do not want to send me paper statements ( a feature that I had two days ago ). Now they are telling me that they do not send out paper statements. So now I have no access to my account online or by paper. Every time I try to speak with a supervisor they hang up on me. I need help getting this servicer to generate a monthly paper statement. I do not trust their customer service/tech support people & I feel they are just trying to avoid paying for postage. I have two new laptops & have reliable internet access so I know that's not my computer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested for paper billing statement from specialized loan servicing customer care XXXX XXXX XXXX. Called on XX/XX/XXXX, XXXXXX/XX/XXXX Each time the customer care said they will send paper billing statement. But they were not sending. Till now I did not get any paper bill statement for XXXX, XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91040
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/XXXX, My home equity line of credit was sold by XXXX XXXX XXXX, to Specialized Loan ServicingXXXX ( XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX, XXXX ) My account was issued the number XXXX, and later changed to XXXX, under the name of XXXX XXXX XXXX. I kept the loan with them until XX/XX/XXXX, when I refinanced through a different company, and the loan was paid off. during the time I was with them, I regularly made my payments each month< and was never late. I even overpaid. The only delay in payment, was in XX/XX/XXXX, due to them, updating their system, and changing my account number. They would not let me make one for a couple of weeks. As soon as the process was finished, I resumed payments. I recently received notice through one of my creditors, that they were raising my rate, due to a delinquency on my credit report through XXXX. Upon investigation, appears that Specialized Loan Service listed many months of delinquent payments to my account. I have documentation from XXXX XXXX showing where each payment was made and received each month, with no delinquency. They even stated to XXXX on a recorded phone call, during the refinance, that all my bills were paid on time. This has severely damaged my credit, and increased costs due to interest rate increases. Copies of monthly payments are attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30240
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I received this letter It doesnt tell me if the sale date of XXXX / XXXX / 2021 Been cancelled or not The letter is shady confusing And since SLS pulled every stunt in the book on me I cant trust SLS not telling straight out loud that the sale date stoped They send this letter not stopping the foreclosure so days before the sale date tell me I am not qualify so they could continue with the foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A