Date Received: 2021-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/21, Specialized Loan Services flagged my XXXX credit report that my loan with them was " 119 days, 4 payments late. This is not true ; we had negotiated a " covid '' loan modification, which they proposed. I signed the agreement in XXXX, but then they said there was an error made by them in the documents, and I resigned. There must be some penalty that can be imposed on them for making bogus entries on m y credit report, hurting my credit when they know full well that we had an agreement that modified the monies that were in forebearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2021-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in forbearance since COVID started. This bank kept calling me and calling me and I finally was able to pay what I owed. When I paid them, they said there shouldnt be any fees but on the day I sen tin my payment, they tack on a Property inspection fee. This was all on XX/XX/19. I have called twice and 2 agents told me there shouldnt be any fees and they will escalated but after a month since the fees was put on. Its still there and the bank agents just give me run arounds and escalate that goes nowhere. The fee is {$15.00} but its not the amount. Its the way they tack these onto unsuspecting customers. And this is after I ask them if there are any fees. I attached the screenshot of my payments. The fee of is on the same day I submitted payment. Even before this, the company kept calling me saying they cant extend the COVID forbearance even though its required by law. Yes. I have called them to extend and they said its extended. Then they turn around and require me to fill out one of their forms in order for me to be qualified. i do want to state I had this problem with another account and you guys fixed it. Hopefully you guys can reversed the amount here as well and make this a smooth process. Thanks in advance. I am not sure why I had to go through CFPB to have this resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2021-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Failure to MOV, Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), for the following items within the time set forth by law. SPECIALIZED LOAN SERVI XXXX Date opened XX/XX/2006 2006
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS makes it extremely difficult to SLS makes it extremely difficult to contact a representative regarding getting an extension on my mortgage loan due to economic hardships doing Covid-19. SLS locked me out of my home and put a lockbox on it. I had to spend several hours on the phone to get this straightened out. On XX/XX/20 I contacted SLS because I received another letter. I was disconnected twice and spent 2 hours speaking to four different representatives. I was told that I needed to download a 18 page application. I was told very harshly if I didn't pay my XXXX payment I would be reported to the credit bureau. The only representative that showed care was XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was granted a forbearance on my home loan from SLS ( Specialized Loan Servicing ) and a payment was due on XX/XX/XXXX. With all that had occurred during XXXX, I was making an effort to stay ahead of debt, so I made my XXXX payment on XX/XX/XXXX. I signed online to make a payment today for XX/XX/XXXX, and my account stated that I was past due for XXXX. I called them and advised that I had made a payment in XXXX for XXXX and they told me that they had applied it towards my principle amount. There is an option that you select when paying online if it's to be applied towards the principle, and my confirmation clearly states that I did not request it to go towards my principle. Not only is it reporting me to the credit bureaus as delinquent, but they charged me {$150.00} late fee ( for paying early ). I planned to keep my payments current in XXXX to refinance to another mortgage company and I feel that they are sabotaging my effort and charging me additional fees that weren't warranted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2020-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My lender is asking for 2019 Tax Returns which I already explained to them that I do not have them because I am only receiving SSI. They keep on asking for a document that does not exist and holding up the approval for foreclosure assistance because of it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96782
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS Specialized Loan Servicing The process seems unfair. It appears to lean favourablly to the company whom one is complaining. As in this Complaint NBR XXXX. When going online to add to my complaint the account is CLOSED? This has been CLOSED without any request for reply from complainant which equates with the BIG FINANCE replied and we believe the BIG MONEY. There was NO email, phone call or snail mail from SLS to me as a reply, which one would believe is forthcoming, to my complaint. PLEASE know when calling again, voice message states we can make new complaint. This appears to be NOT TRUE as XXXX today informed me NO NEW COMPLAINT CAN be made against the SAME COMPANY? My contention is this is a NEW ISSUE with the SAME COMPANY arising out of the COMPANY 'S REPLY. Their reply is bogus, inaccurate and appears to be a gerbiling tactic. SLS is NOW ASKING for a POA ( Power of Attorney ) from the Buyer on the Short Sale. This has NEVER been requested prior in SLS list of required documents. There is NEVER a reply from SLS. NO SUPERVISOR/MANAGE has given the courtesy of a call back, yet each and every time I've requested this I've been told " 24 to 48 hours I would get a call back from a manager/supervisor '' This has NEVER happened. WHY? Requesting a Power of Attorney from the Buyer seems a stalling tactic. The Buyer has signed the Offer to Purchase, the Addendum as REQUESTED BY SLS, provided the HUD as requested by SLS along with the PROOF OF FUNDS PLEASE Explain why SLS is NOW requiring a POA from the Buyer along why they are performing more BPOS?
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: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Escalated Complaint and Fraud Departments : The loan was transferred from XXXX XXXX XXXX , XXXX ending in XXXX to XXXX XXXX ending in XXXX to XXXX XXXX XXXX , XXXX ending in XXXX to XXXX XXXX XXXX ending in XXXX to XXXX XXXX XXXX, XXXX ending in XXXX to Specialized Loan Servicing LLC ending in XXXX all within 11 months ; The Borrower didn't receive a letter notifying the transfer Borrower reflected {$750000.00} in mortgages owed in the Credit Bureau reporting, causing not to afford minimal lines of credit due to excessive Debt to Income Ratio. IRS 1098 inaccuracy for payments made throughout the year. Specialized Loan Servicing LLC declared that XX/XX/XXXX payment was made in XX/XX/XXXX, causing inaccurate IRS interest reporting. XXXX refused to take payment in XX/XX/XXXX. First, their system was down. Then, when finally patched through the end of the month, I realized the loan had been transferred, and they would not make the payment. The loan was in " transition '' still with XXXX, they could still view it and make the payment but refused to because of their internal info message. The Borrower received random incorrect not in compliance e-mails from XXXX XXXX XXXX not per FDCPA. Failure to comply with ECOA. There are failures in Compliance at the time of the Origination and Servicing. There are failures to respond promptly and ignoring research inquiries in regards to payments. The Borrower 's bank also sent a query in regards to payments received and cashing of those payments. The Servicer would not respond to the Banking institution or the Borrower. There is Banking documentation on the irregularity of cashing and posting payments. There are irregularities and misapplication of payments. Deliberate post application of payments without retroactivity posting of these and creating default payment when non existed. Breach of Contract since origination. There are failures to comply with the Privacy Act. XXXX sent me a complete file /documentation on another client : Name, Address, Social Security Number, Modification and Financial Agreement, etc. XXXX XXXX weekend and Hurricane Dorian came upon us. In Florida, the little branch that was supposed to make the payment at the end of XXXX was completely closed! As in drove 30 plus miles to attempt to make the payment. Calls were made to different branches, including New Jersey and the CEO, to make the payment to no avail. The Borrower wants Full Collateral, with AOMs and Endorsement This account went from being 4 to 6 months paid in advance to the current status. XX/XX/XXXX, my children 's mother had a tragic accident in which she XXXX XXXX XXXX, XXXX, XXXX, and a XXXX XXXX. In XX/XX/XXXX, she was intubated. XX/XX/XXXX, intubated again. I was let go on XX/XX/XXXX, after taking off the days before pick up our children from school. She was not released for employment until XX/XX/XXXX. She is now XXXX, has a desk over her bed, and spends most of her time in bed since she has an XXXX that XXXX XXXX XXXX. My children fell very ill, one going to the ER in XX/XX/XXXX. We are still trying to figure out what this XXXX was that had had such long-lasting effects. I regain employment on XX/XX/XXXX, was sent home to quarantine due to exposure in XXXX, and was let go due to CoVID-19 XX/XX/XXXX. I have been on unemployment, Medicaid & SNAP. I completed my Accounting Degree, and I am I have been in the pursuit of work. I have immediately addressed the breach of contract as I saw the payments ' misapplication and mismanagement of the loan since origination. During this time, life happened ; life has been happening. As I have too many documents to upload, please have all communication with me in writing. XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX Loan Number : XXXX Attn : Correspondence Unit XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX http : XXXX, Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2020 I wrote to Specialized Loan Servicing ( Servicer ), the Bureau of Consumer Financial Protection, and the Federal Trade Commission, Equal Credit Opportunity to say that the escrow account reflects a fraudulent amount. The property 's insurer information is being withheld from true notation. Foremost Insurance is the insurance provider and Specialized Loan Servicing has been billing me every month since before XX/XX/2020 for Hazard and Fire Insurance in the amount of {$3100.00}. Cumulatively this amounts to a fee of {$1100.00} added to my monthly mortgage every month. This amount is more than 100 % of my standard monthly payment. When I requested an escrow analysis statement of said account I received on XX/XX/XXXX a letter from Specialized with the wrong property address. The entire document is thus invalid. I have since received nothing correcting the previous document. My recent call to the servicer was with a belligerent agent who would not access my previous records or analysis statements, nor was I allowed to request a call back with a supervisor before I was rudely rushed on the phone by being out on hold ; XXXX in XXXX, Arizona. Poor show.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This business is practicing " looping '' of automated responses to their customer service phone line. I had to navigate through an incredibly excessive amount of pre-recorded content, much of which was repetitive. I also had to continually choose options from an endless amount of " sub-selections '' when routed through the phone system. It took approximately 6 minutes just to navigate through the phone system to speak with a customer service representative ( not counting hold time once I was routed to correct department ). This business practice makes it burdensome for the consumer to reach a customer service representative to the degree that it reflects impropriety on the part of Specialized Loan Servicing. Consumers should be routed through no more than one or two informational menus before reaching a customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A