Date Received: 2020-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.
Company Response:
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPECIALIZED LOAN SERVICING LLC charged me a late fee and I have never been late on any monthly mortgage payment.
Company Response:
State: CA
Zip: 95404
Submitted Via: Web
Date Sent: 2020-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX I informed the ( SLS ) current mortgage company for my home that I am no longer able to afford to keep my home. This was while my account was current. I made a request to know what options I have available to me. I received an extensive application to fill out regarding my financial and employment status. I filled out the document and sent the requested forms ( ID, copies of bills, copies of income statements, and proof of employment, etc. ) It took a few months and I received back the available options. The first option I selected was for a deed in lieu. I went through all the request and processes that were required to complete this and it was approved by the mortgage company. It was then sent to the investor for approval. It took another couple of months and the investor rejected the application. So, the other option to avoid foreclosure was a short sale. I had to obtain a real estate agent contract to sell my home. I did that and signed an agreement and sent it to the mortgage company. By then it is now summer XXXX. From that time, it seemed every six months I was required to resubmit my application and requested documents repeatedly. I have been through several buyers and the mortgage company tried to raise the price based on a bogus assessment they had some person do, who never gained entry into the house for a full assessment and they increase the bid for the house to {$20000.00} more than it is worth and the buyer backed out. Now after going through several buyers, a pandemic, and moving out with the impression I was closing in XX/XX/XXXX, the mortgage company closed the application again and requested I resubmit another application and all requested documents. I have a buyer waiting to purchase the home and this is very frustrating to say the least. In the meantime, I no longer live in the home, I am still paying taxes and insurance and sewage bills that should have been turned over to the new homeowner back in XXXX. The delay is due to the mortgage company/investor. Can I get this done and over with? This house was supposed to be sold months ago and I am exhausted with resubmissions. This was a origination of XXXX XXXX XXXX loan that I can not get out of. Please help!! See attached documents supporting the numerous phone calls, emails, and comments from the Short sale manager from XXXX XXXX XXXX who is working my case to get my house sold. She has been on this case since I received my first offer on the house. This is proof of how long it has taken to get this rectified. They keep closing my case when I get close to selling the house. This is very costly. Below is the email sent from the Short sale manager on XX/XX/XXXX to me detailing the struggles she has getting this file completed and sold. From : XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : XXXX XXXX XXXX See attached my activity log. These are my notes for every time this file has been worked on ( dates documents submitted, phone call notes with the bank, emails sent, basically everything ). I am also going to forward you all the emails / documents I have sent to SLS since the XX/XX/XXXX request ( sent to TWO different emails each time for the bank, this is how we send items to them always, on all files ) - I received NO bounceback on any emails. I also confirmed by phone no documents were needed ( which should be correct ) when if that was not the case, they should have advised me then - once again. Also, please note, unlike most banks who allow us to just send all documents at once, they are so inadequate in reviewing their documents, that I have to send each kind of document separately or they " get confused. '' They have actually told me that on the phone - so sorry for all the emails coming next. I have even had to mark documents up, circle them, etc. with a black sharpie when they can not seem to figure out simple things. I have been doing short sales 13 YEARS now, have worked with hundreds of lenders and SLS is by FAR the worst and inefficient servicer out there. I am still baffled daily by their call center staff 's IQ, their process ( or lack thereof ), their lack of any communication except mailed letters that are outdated by the time received, lack of any way to directly speak with the underwriters or supervisors, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XX/XX/XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and XXXX XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state XXXX and false claims act laws And state penile code laws. I request a written response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Specialized loan servicing committed identity theft and fraud when they stole my identity and reported to all credit reporting agencies that a payment was made by me on a fake mortgage debt on XXXX XXXX by me and then sold the fake debt and fraudulent account without any verification for their Prior errors and blatant fraud to further the racketeering scheme for XXXX XXXX and XXXX XXXX to cover up its phony records it creates for XXXX and one XXXX XXXX aka XXXX XXXX after they cook the books for XXXX XXXX XXXX with crooked lawyers to illegally foreclose on my home and business with fraudulent accounting where Sls is fabricating false records on case XXXX ca XXXX in Florida to cover up the Fraud, XXXX XXXX has constructed for XXXX to steal my homes equity and extort me for money not owed because they create fake reporting and make fake payments and commit forgery, identity theft like on XXXX XXXX on my record to keep the fraud alive for XXXX, XXXX, XXXX and XXXX in XXXX so they can get money from the government share loss agreement and make false claims for damages and steal homes disguised as business as usual in violation of state Rico and false claims act laws And state penile code laws. I request a written response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: -- -- - XXXX, XXXX, XX/XX/2020 Payment Histories Missing On My Credit Report -- -- Specialized Loan Servicing ( SLS ) has made the mistake to put my account under forbearance in XXXX 2020, without my authorization or knowledge ( As a matter of fact, I have automatic payment setup. In each month 's XXXX, the monthly mortgage was paid in full ). I have noticed this issue ( my account was marked as " forbearance '' ) in XX/XX/2020 on my credit report ( when I tried to get a new home loan from another new bank ), I have contacted them immediately and asked them to fix this error and provide me a letter ( details please see below asks ). The " forbearance '' issue itself seemed to be fixed by now. However, on my credit report, the payment histories for XXXX, XXXX, XX/XX/2020 were all missing. My new bank will not be able to approve my new loan because of these issues of missing payment histories. I have contacted Specialized Loan Servicing more than 20 times since XX/XX/XXXX by phone to ask SLS to do 2 things : ( 1 ) report my XXXX, XXXX, XX/XX/2020 payment histories to XXXX, XXXX, XXXX to fix the missing data issue. ( 2 ) Provide me a letter with shows my account has never been under forbearance and my payment histories for all past 12 months. However, after waiting for more than 3 weeks, and countless emails / phone calls / talks with multiple supervisors, I have not been able to get either one of the above 2 things. Without this issue fixed, My new bank can not process my new loan application, therefore I will need SLS 's help immediately to get this fixed.
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: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I have owned our home for 18yrs. We have had some financial hardships along the way, but have worked hard to keep our home. Our loan and debt was sold from XXXX XXXX to Our current lender, Specialize Loan Servicing in XXXX. At the time our loan was sold, we were in a Chapter XXXXBK. We paid our planned payments to the Trustee which she paid the mortgage arrears and we paid our current monthly mortgage payments directly to our lender. Our bankruptcy was completed this past XX/XX/XXXX. The planned payments and mortgage arrears were paid in full. Once the bankruptcy was completed, our mortgage company sent us a statement saying when our mortgage was sold to them 2 yrs ago, we were 4 months behind totaling {$9.00}, XXXX. We were not 4 months behind when our loan was sold. For the past 2 yrs that we have been with Specialized Loan Servicing, they have never mentioned we were 4 months behind and it was never reflected on our monthly mortgage statements. This year, XXXX we did have a financial hardship due to Covid and other medical issues and fell behind on a few payments. We reached out to our mortgage company this past XX/XX/XXXX, to request a loan modification, repayment plan ect. We received a letter today XX/XX/XXXX stating our request was denied with no explanation as to why. The mortgage company kept stating, we had a Loan Modification 11yrs ago in XXXX and because of that they can not help us. They are requiring {$14000.00} to reinstate our loan and stating the total amount due is {$20000.00}. We can afford our home and we want to keep our home. Can you please assist us in getting a loan modification. Thank you for your time and help. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90262
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried reaching the mortgage company on XX/XX/XXXX but only an automated system was answering. I was calling to talk to someone because my 15-year loan was due to Mature XX/XX/XXXX. Later, I received a letter dated XX/XX/XXXX, stating they put me on a Covid-19 Forbearance through the beginning of XXXX. I had been requesting a Loan Modification Packett for a long time but they never sent me one until XX/XX/XXXX. I filled it out over the phone with a company agent per what he was advising, except for the financials I scribbled in quickly and faxed it the same day. Next, it came back Denied with an option to Appeal by XX/XX/XXXX. I submitted the Appeal on XX/XX/XXXX and XXXX, XXXX, which is Still Being Reviewed ; as of a letter dated XX/XX/XXXX, received last Thursday, XX/XX/XXXX ; yet, they seem to be proceeding towards Foreclosure. XX/XX/XXXX, was the last payment they allowed me to make ; afterward, they Blocked my online account and Refused All Payments because the loan had matured. They Forced me into Delinquency then sent me a Letter of Default with the Intent to Foreclose on XX/XX/XXXX. Most importantly, I am a Very XXXX XXXX XXXX XXXX, having great difficulty standing and walking. I have been having Numerous Medical Problems which caused me to have daily in home XXXX from XX/XX/XXXX through XX/XX/XXXX, along with 10 days in the hospital, many XXXX on my XXXX and XXXX XXXX. In addition, I have Severe XXXX XXXX, I have had a XXXX XXXX, 2 XXXX, XXXX XXXX XXXX for a XXXX XXXX XXXX which requires lifelong blood thinners is very problematic and requires much care, All of these Medical Problems leave me at a higher risk of Covid-19. I am a widow without children ; this is my Only Home and I have lived here for 22 years. I am terrorfied of losing my home, it is all I have. The Loan Balance is approximately {$27000.00}, however, the Propert Value is around {$120000.00}. I have paid off the 1st mortgage ; which seems to be the motive why they have done all of the above. I could have Refinanced but the Forbearance, the Delinquint Payments even though they Refused the Payments is preventing me from getting another Mortgage Loan.
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: 2020-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost 2 jobs due to Covid and I have tried calling SLS loan services, but I always get the run around. I want to apply for a Covid forbearance ; my loan is backed by XXXX XXXX. I have never been approved and they always tell me that I have to keep waiting. Today I called again, I was told they would put in a request to see if I can get approved, but will not give me any proof that they put in the request this time. I can not log into my account to place the application due to the fact that I am on chapter XXXX and they will not allow me to view my account online unless I cancel my chapter XXXX plan. I will not be doing that. Please see the information below found on the XXXX site. If you are a homeowner experiencing financial hardship directly or indirectly related to Coronavirus ( COVID-19 ) and your mortgage is owned by XXXX XXXX, contact your loan servicer ( the company listed on your mortgage statement ) right away to discuss your options. Whether youre facing job loss, reduced income, illness or other issues that impact your ability to make your monthly mortgage payment, XXXX XXXX is working to ensure you are protected. In fact, the company has directed your loan servicer to provide mortgage relief options that include : Ensuring payment relief by providing forbearance for up to 12 months Waiving assessments of penalties or late fees Halting all foreclosure actions and evictions of borrowers living in homes owned by the company until at least XX/XX/2020 Offering loan modification options to provide mortgage payment relief or keep those payments the same after the forbearance period Starting XX/XX/2020, offering a payment deferral solution in which your deferred payments will be due at the end of the loan Borrowers are eligible for forbearance regardless of whether their property is owner occupied, a second home or an investment property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A