Date Received: 2021-02-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: SLS ( specialize loans servicing ) Is the most monster crocks thief fraud stupid heart dead on the planet earth All of theirs invester Should be in XXXX For getting rich by taking propels home foreclose on people by fraud Today the government extended and ban banks services from foreclosure people home till XXXX And these retards send me a foreclosure notice I am being Harass and abused by SLS Creeps come here front of my property which I am living in it and taking photos
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: 2021-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: probably the most disorganized mortgage company i have worked with ever. I make a payment and it just sits there as unapplied funds. If i dont call in to speak to one of their account reps it will just sit there, potentially ruin my credit although i made the payment. So that happened this month and i have been trying to call all day and their phones are down. This has happened at minimum 10 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back on XX/XX/XXXX sent proof of payment using XXXX XXXX, my mortgage company was not showing me making a payment on XX/XX/XXXX. I noticed this after i checked my payment history and that payment was not showing. I would call Specialized loan servicing and file the complaint of missing payment, I sent proof of making payment with a receipt from XXXX payment showing I had the correct account on that receipt. XXXX XXXX XXXX verified my account number was entered correctly by printing out a close d transaction statement made with XXXX for that same day XX/XX/XXXX. I kept opening up that case for review of missing payment and SLS would keep closing due to they need more into. I sent the receipts again along with my bank statement showing the money went out of my account. Ive contacted the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by email with proof of payment each time and each time they would close my case and need more proof. In the meantime several several phone calls made to SLS to make sure they didn't close my case and yes they would close case so I would have them reopen. XXXX XXXX XXXX was able to get the right person for XXXX to find out what happened to the payment, XXXX has sent them and now I have the letter that my payment was reject from my mortgage company due to incorrect account number or account closed. I promise you everything I have sent has the Correct Account Number on it. I can email all my proof of payment. I am trying to refinance my home and this is stopping me due to my mortgage company shows late payment for 6 months. Now i know that the payment really was not receive due to my mortgage company rejecting payment, XXXX XXXX XXXX had the money sitting in booking and that took awhile to track where the money was at. Book keeping has the letter from XXXX and the money verified sitting in XXXX XXXX XXXX account. XXXX XXXX XXXX did not notify me of rejected payment nor did my mortgage company. In fact I call the escalation desk at SLS do let them know they rejected my payment. The employee went back through account history and they do not show my payment being rejected for XX/XX/XXXX, so i was never notified by the mortgage company as well. please help me fix this, I am trying to Re fi my home and this is stopping me. Thank you
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: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: my complaint is because Specialized Loan Servicing has not evaluated fairly my financial setback due to the pandemic situation. Specialized Loan Servicing, XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX, Loan I am currently 8 months behind and they are playing games. They are reporting me late on my credit report even though there is a local law here in XXXX XXXX about evictions and foreclosures. they approved me for a short sale on XX/XX/2021 even though they know I want to remain in the home. I tried to pay 4 monthly payments over the phone to catch up and they refused the payment claiming that my file is " under foreclosure " If I make 4 payments then I should be given an opportunity to work this loan out with them and for them not to be so drastic on my situation. I can not sell the home at this time and i want to keep my house. Please help me figure this out with them. Thank you. They can be reached at XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello The company who is involved is Specialized Loan Services I spoke with an associate back in XX/XX/XXXX XXXX XXXX XXXX ID XXXX ) and they told me that they will correct my credit report since I was under the law CARE act ( forbearance ). I m trying to contact over the phone, but is very difficult to reach an associate, I dedicated more than 1 months of this and finally I get a response from another associate back in XX/XX/XXXX, her name was XXXX and she told me that I need to open a new investigation about the error on my credit reports of late payments and wait for other 30 days ( until XX/XX/XXXX XXXX and after that credit report would be update, that they will correct all the error of all missed payment or default payment on my credit report ( for both borrower XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( wife ) ) because I was in forbearance under the CARE law ( covid 19 ) and also in modification process, apparently someone press the wrong button and send all the payments that was part of the forberance and they marked like default on my credit report, so they will take care of this but they prefer to do it after the modification process was done ( XX/XX/XXXX XXXX. Until today XX/XX/XXXX they never call me or send me email with a new status, I try to reach them by email and phone and they never respond ( last week XX/XX/XXXX I finally reach someone from credit dpt and they told me that they will send an letter by mail, with the decision, but nothing happen yet and I still have all the derogatory on my credit report ). I never miss a payment on my mortgage and the only time that happens was under the protection of the law CARE act ( forbearance ). I need answers from this mortgage service company, since I have all those defaults on my credit, I m loosing other business opportunities and to do other type of deals in my personal life and is not fair that because their mistakes, I also stop to receive other considerations from creditors. My credit need to be fix as soon as possible, so please help me with this situation. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing ( SLS ) reported my wife and I to the triple credit bureau in error and they refuse to retract the 60 days past due delinquent. This hurted us severely, particularly, it is coinciding with a refinance in progress. SLS, in compliance with the CAREs Act, granted us for forbearance in XXXX, XXXX and XXXX of 2020. They guaranteed no negative reporting or foreclosure. In XXXX of 2020, payment was resumed plus an additional ~ {$900.00} to offset the missing interest during the forbearance period. this additional {$900.00} was applied from XXXX until XXXX of 2020. All payment were made as suggested by an SLS agent. However, SLS, the 1st time, reported us to the credit bureau as a 60 days past due delinquent. We called SLS at least 15 times, we filed a complaint with XXXX, and disputed this with the triple credit bureau. On or about XXXX of 2020, the negative reporting was cleared. This week, we noticed that SLS repeated the same negative reporting with same issue : a 60 days past due delinquent. We have already disputed this with the credit bureau the ( 2nd time ). SLS refused to retract the negative reporting and the customer service agent had apathy to our situation and was very rude and emotionless. I have all the emails confirmation of all the payments made sent from SLS since XX/XX/ 2020, until the present time. Please help us with this ordeal and if you need any proof of payments, we will be more than happy to send them to you. Thank you kindly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: The mortgage service company, Specialized Loan Servicing, their website, https : //www.sls.net/, mistook reporting to my credit report that I have Forbearance/ Natural Disaster/ Deferred. However, I have paid my mortgage on time every time and I never apply for any Forbearance/ Natural Disaster/ Deferred for the mortgage. I had request from their website to correct the wrong information XX/XX/2021 XXXX XXXX. They respond they will review. Because I am refinancing my mortgage, so I called them XX/XX/2021, to request them correct the record and send me an E-mail or Letter to address I have never in Forbearance/ Natural Disaster/ Deferred. I need the letter to the refinancing lender. Their employee had confirmed I don't have any Forbearance/ Natural Disaster/ Deferred and will send me a letter and E-mail. However, I don't receive any letter and they still don't correct my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom It May Concern : Hello Dear CFPB Staff, I would like to follow up with you in regards to the SLS Mortgage Company adding a foreclosure fee to my monthly mortgage statement calling it a Corporate Advance Fee of {$110.00} applied to my mortgage statement on XXXX 2020, while my mortgage loan account was in forbearance due to COVID-19 and there was NOT suppose to be any type of fees during this time to be charged to my account as it was a temporary relief for a limited period of time. I was clearly told by SLS mortgage company staff while your account is in forbearance there will NOT be any kind of fees applied to your account. Please help me resolve this matter of removing the fee of {$110.00} from my SLS mortgage loan account asap. I attached/uploaded the recent mortgage statement as reference for your review. Please feel free to reach me, if you have any further questions at the contact number below. Sincerely, XXXX XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60585
Submitted Via: Web
Date Sent: 2021-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In a letter dated XX/XX/XXXX, SLS informed me that there had been a re-assessment of the escrow account. It stated that my escrow amount would change from {$390.00} in XXXX to XXXX in XXXX. On page 3 of 4 of the letter, it indicates that this was in part due to a yearly property tax of {$6000.00}. I checked my property tax bill for XXXX, which indicated that the property tax from that year was {$3000.00}. It appeared to me that in their re-assessment SLS had double counted the property tax. I suspected this because their assessed amount of property tax was exactly double of the actual property tax amount as found in the property tax bill that I received from the town. In addition, I suspected SLS had made this error as they had previously made the same error when they bought the loan from the original lender. On XX/XX/XXXX, I spoke to an SLS representative over the phone and explained the error. He informed me that he would forward my request to the tax department. I did not hear from SLS again. On XX/XX/XXXX, I sent a message over SLS website to inquire about the progress of my request. On XX/XX/XXXX, I received the following message from XXXX Teller ID XXXX : Thank you for your inquiry. Out Tax Department confirmed the amounts calculated for disbursment [ sic ] are correct. There is no need for a new analysis calculation as no change has occurred. I therefore seek to correct the error through CFPB in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 043XX
Submitted Via: Web
Date Sent: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today 's date - XX/XX/XXXX. XX/XX/XXXX, we applied for forbearance with SLS. - Both husband and I are in the hotel industry. He is a high level exec who lost a great deal of salary and 100 % of bonus. I own a small business in the hotel industry and lost all our tradeshows due to covid. - SLS granted forbearance from XX/XX/XXXX - XX/XX/XXXX. - We applied for a loan modification in XX/XX/XXXX, we were watching to see what the virus would do to the industry, ie., if we would recover enough not to need additional assistance. - The application was sent via XXXX XXXX, in a 3 ring, hard bound notebook, with dividers making sure we covered every detail, every document requested. - We received COUNTLESS requests to sign documents by hand and resend. Date documents by hand and resend, or resend docs they said we didn't send ( but did ), or other things that started to feel like a stall tactic. - I was constantly assured everything was ok. Even told many times they had everything they needed and we would receive a letter stating they have everything and we were being reviewed for assistance. That document never came. - I sent more than 3 documents, 3 times, using their portal to upload. I named each document including the account number, and to this date, they still show we have outstanding documents. - I spent close to an hour with one customer service man who went through the docs I sent and found each one or them ... and said he sent them to the person reviewing the docs, i.e., the person who apparently kept saying we had not sent these docs already. - The entire time, we asked to push the forbearance amount to the end of the loan, i.e., defer, with a balloon payment. I was told TWICE, our " investor '' allows deferments, I was told 3 times, through 3 different customer service people ( in the lost mitigation dept ), they would request a deferral ( 3 different times ) and since XXXX, I have been told once I resent the docs, I would have an answer in approx., 5 DAYS. - I have been told 5 TIMES, they " escalated '' our file because we had been waiting and because our forbearance is over XX/XX/XXXX ... and, " call back in 5 days '' we should have an answer. - Yesterday, XX/XX/XXXX, one of the customer service reps, claimed she told me " a long time ago '', we did not qualify for a deferral because we were behind on the initial XX/XX/XXXX payment! I was never told such and would not have let this go this long if I knew they were manipulating our situation the way they obviously were. - My assessment is this was a grotesque ploy to take advantage of us during this time, because A ) we have a good amount of equity in our house and B ) the real estate market is strong. I believe they never intended to assist us other than to help us dig a hole with forbearance. - Sadly, we are digging very deep into our retirement ( for a second time during Covid ), to pay the amount due, {$55000.00}, however, we are interested in knowing what legal recourse we have. - This company is a very bad and very dishonest company. XXXX search tells you as much. If XXXX hadn't unknowingly sold our mortgage long ago, we never would have gotten remotely close to SLS. - To be clear, we still do not have a decision on our mortgage assistance application from 5 months ago. - Even yesterday, they said they will escalate it again, and we are not " late '' until 30 days after XX/XX/XXXX. Which to me means, the big bad wolf is leading us to dinner. - When I asked ... '' who is to say you don't then tell us you're calling the entire loan in? '' Her reply was, " you could assume as much ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A