Date Received: 2021-03-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Specialized loan servicing denied my certified funds back in XX/XX/XXXX in the amount {$1600.00}. They denied for the reasons that incorrect account number or account closed, On the certified funds to make this payment it is the correct account number. I made the payment on time SLS denied the certified funds. I was notified by SLS of the denial of certified funds and when trying to figure this out for 6 months, SLS does not have any record of denying my certified payment. I made the payment on time SLS denied the certified funds. I need my payment history to show no lates for the last 6 months since SLS denied my certified funds. And again i had the correct account number on the certified funds SLS rejected the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84401
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Specialized Loan Servicing a collection agency has not reported to the Credit Companies since XX/XX/XXXX about our loan it is still showing a balance of {$23000.00} which was the balance on XX/XX/XXXX and has been paid in full with payments in between last payment was paid XX/XX/XXXX and we have a XXXX balance which has not been reported to the credit companies and nothing has been reported to the credit companies since XX/XX/XXXX which is totally wrong and not fair or right. They are more concerned about bankruptcies than their customers and having to report to the credit Companies. To wait that long is just not right and last I heard they do not expect to report until XX/XX/XXXX which would be over 5 months since they last reported. Really and they are a collection company!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I submitted two complains already but look like SLS is trying to avoid to provide correct answer on my simply questions : How SLS calculated and why my balance of the second mortgage is still same {$100000.00} even they said they wrote off {$6100.00} of principal? In XX/XX/2021 SLS send me 1099 C form with amount of {$68000.00}. When I asked them to provide how they calculated {$68000.00} interest & principal and charge them off on the total of {$100000.00} in second mortgage, they refused to provide any answer and I still did not get any explanation yet. Also, they said balance is still due and it means they would collect a new fees from me and will charge off as well without any explanations and notifications. Good business, huh? I was asking for help because me and my family were badly affected by COVID19. Instead of helping people SLS tried to put us down. They did not communicate to customer properly, they did not even tried to help customers. Last year there was a lawsuit against them and I am sure they still doing same business making money illegal way, there are over 470 complains put on SLS through XXXX by their customers on last 6 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 113XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home mortgage was transferred from XXXX mortgage to Specialized Loan Servicing. The following is a brand new complaint submitted to Consumer Financial Protection Bureau due to servicing violations and failures by Specialized Loan Servicing taking place between XX/XX/2020 to present. >In the process of transferring my loan, additional fees were applied to my account.by Specialized Loan Servicing, and were added to my minimum mortgage payment. I have questioned these fees with Specialized Loan Servicing customer service with no help. Within the past 10 months, I have been promised supervisor call back on 3 occasions, yet never received a call. Within the past 10 months, I submitted 4 qualified written requests under RESPA law. I did not receive a timely or compliant response. >Instead, Specialized Loan Servicing kept me in their auto dialer collection queue, even though I revoked consent on multiple occasions to the robo calls under the TCPA ( Telephone Consumer Protection Act ). >Specialized Loan Servicing responded to this by disabling my online account and my ability to pay my monthly mortgage payment online I was forced to call in payment, to which Specialized Loan Servicing representatives require {$12.00} processing fee be added to my monthly payment. Specialized Loan Servicing also recorded multiple late payments on my credit report that were not late. >I have responded to Specialized Loan Servicing 's failures and nonconcented robo dialer phone calls by filing RESPA ( Real Estate Settlement Procedures Act ), TCPA ( Telephone Consumer Protection Act ), and FDCPA ( Michigan Fair Debt Collections Practices Act ) lawsuits in my state of Michigan >Anyone that has experienced this behavior from Specialized Loan Servicing should contact a local consumer rights attorney. The Telephone Consumer Protection Act alone awards victims amounts between {$500.00} and {$1500.00} per violating phone call, in addition to the other reliefs awarded under RESPA and MFDCPA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49503
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As I was preparing to file my XXXX taxes with my accountant ( cc 'd on this email ), it was brought to my attention that Specialized Loan Services, LLC ( SLS ), a subsidiary of XXXX, failed to pay my property taxes to XXXX XXXX in XXXX ( the property is in two counties, XXXX and XXXX ), despite me paying into escrow for this every month. The money for the XXXX property taxes is currently being held by SLS in escrow. My property is in two different counties ( XXXX and XXXX ) and SLS states that they somehow made an error at closing where XXXX county was missed. Thus, SLS only paid the property taxes in XXXX and not XXXX in XXXX. This loan was assigned to SLS in XXXX, XXXX. Total Tax Due in XXXX ( prior to penalties and interest ) : {$3300.00} SLS has instructed me not to pay the taxes directly to XXXX County ; however, I have now placed over six calls to both SLS and XXXX without any resolution or forward movement on the issue. SLS refuses to give me any transparency into their process nor will they issue me a case number or provide me with an email address where I can at least have proof of our communications. The property bill is now over 3 months overdue and continues to accrue interest and penalties, which under VA law, SLS is responsible for as an escrow account was established and the funds are already being held in escrow for the taxes. My request is that someone in upper management gets on the phone with XXXX County and myself and resolves the issue, pays the taxes and the fines. This process has been ridiculous and is so frustrating. I did not have the ability to consent to the loan assignment or the horrendous service I have received from SLS as a result thereof. Further, XXXX notified me that the loan is being assigned to XXXX on XX/XX/XXXX ; however, I have been told that the " investigation '' to get the taxes paid could take until XX/XX/XXXX. This is unacceptable and must be resolved prior to loan assignment or as stated above, I will be pursuing legal action against SLS and XXXX. Here is the timeline of events : XX/XX/XXXX : First communication with SLS XX/XX/XXXX : 2nd communication with SLS, tax bill uploaded to the website provided by SLS XX/XX/XXXX : XXXX XXXX XXXX Complaint filed, still no response XX/XX/XXXX : 3rd communication with SLS, no record of tax bill receipt, SLS confirmed taxes with the wrong county XX/XX/XXXX : 4th communication with SLS, still no record of tax bill and once again SLS confirmed taxes with the wrong county XX/XX/XXXX : Tagged XXXX in a post on your XXXX page trying to notify someone of the issue XX/XX/XXXX : Call with XXXX, where a prompt resolution was promised XX/XX/XXXX : Call with SLS, was told it would be resolved by XX/XX/XXXX, which as noted, in light of the delinquency which began XX/XX/XXXX and the pending loan assignment on XX/XX/XXXX to XXXX is absolutely unacceptable. Per this XX/XX/XXXX call, the wrong county was AGAIN verified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 229XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX I contacted Specialized Loan Servicing LLC 4 times by phone to dispute an increase in the mortgage balance they were reporting to the credit bureaus. On XX/XX/XXXX I contacted SLS by phone to dispute another increase in the mortgage balance they were reporting and was told that I needed to file the dispute in writing. I then sent a written dispute via email. XXXX attached ). I also filed disputes with the three credit bureaus. SLS corrected the balance they had reported to the credit bureaus. Today, XX/XX/XXXX, I noticed that SLS has again reported an increase in my mortgage balance ( XXXX ) to the credit bureaus. This has had a severe negative effect on my credit rating and has taken place 3 out of the past 4 months. This is unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: My mortgage company is not updating the three credit reporting agencies, XXXX, XXXX and XXXX about the status of my payments. Since XX/XX/XXXX, my credit report indicates " No info ''. However, I have made all of my mortgage payments on time and in full since XX/XX/XXXX, thru today. I have sent supporting documentation to the credit reporting agencies for proof. This information was passed along to my mortgage company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Since the last complaint I filed, they have still done nothing and why do they get off so easy by just replying and closing out the complaint? I would just like to know why? Looking at this log of messages sent, you can see that we have been requesting the CARES act forbearance since XX/XX/2020. Numerous calls and letters, so many times being told to call back, it's in progress, you don't know or many other excuses. Over a month ago we were directed to upload documents which we did. The current status is " awaiting decision '' for over a month. And yet they can easily generate a letter to us in the mail regarding our late payment. So the question then is why? and when? and how is this even considered acceptable?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home in XX/XX/XXXX to a lower interest rate. Several weeks before closing, as instructed by my new mortgage company, I contacted the old loan company " Specialized Loan Servicing '' and instructed them not to pay my real estate taxes as the new company would be paying them for me during closing. They said they noted my account and this would not be an issue. They still ended up paying my real estate taxes to the county tax collector. This created a duplicate payment of {$1800.00} that was sent to the local tax collector ( XXXX XXXX XXXX. I have been following up with Specialized Loan Servicing on this issue since XXXX and been told may different stories. The main story is that they still haven't received the refund check from the local tax collector XXXX XXXX XXXX Tax Collectors Office ). I called on XX/XX/XXXX and spoke with a supervisor at the Tax Collectors office that looked everything up and verified that the refund check was sent and the check has cleared their bank. The supervisor provided me with the following information : Check # XXXX, XXXX {$1800.00}, Cleared on XX/XX/XXXX. I have made over 20 calls to Specialized Loan Servicing regarding the funds that belong to me in the amount of {$1800.00} and still have no ETA on when I will receive my money back. The company needs to go back and listed to the multiple " recorded calls '' I have made to their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: currently I'm paying off a HELOC loan with SLS and my mother is trying to refinance and I was told that I needed to pay the past due in order to get a subordination in place so I paid the {$570.00} that was past due and I called to verify the that the funds would be distributed to the past due. Well this was in XXXX and they refuse to do this and my mother may lose the loan. I've called 10 times and have sent over 6 messages and this the funds are being applied to various things like additional payment to principal, unapplied funds identified, single payment, payment principal, payment reversal, mortgage payment but not to where I've asked it to be applied. Why? I call and they transfer me all over the place and keep me on old, playing games.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A