Date Received: 2020-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing charged me {$42.00} in late payments 2x, I submitted a letter as they told me I needed to as to why my two payments were late. because I have never been late they waived one late fee but not the other. I submitted a letter of explanation in XXXX stating my payment was a little late due to ( coronavirus ) unemployment not kicking in. SLS refused to waive late fee, I have called monthly requesting to speak with a supervisor and have never received a call from one. This issue has been on going for moths with me monthly contacting SLS in addition to two letters being sent in with my payments asking to speak with a supervisor. Today one finally returned my call and waived the fee. Please look into why they do NOT respond to letters, they do not return calls and you can NEVER reach a supervisors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A letter was sent in late XXXX and early XXXX by XXXX XXXX XXXX requesting a reaffirmation agreement from Specialized Loan Servicing. Specialized Loan Servicing has not sent a reaffirmation agreement to the law office nor responded to our multiple requests. In addition, they have closed the account based on the XXXX Credit Report. We are still making payments on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I pulled my XXXX credit report on XX/XX/XXXX after the sale of my home on XX/XX/XXXX to ensure my mortgage company Specialized Loan Servicing ( SLS ) reported the loan payoff and final payment activity correctly. My credit report showed that SLS added a delinquent status in XX/XX/XXXX indicating a late payment of over 60 days old and a negative payment status of Legally Paid In Full for Less Than The Full Balance. These are both errors as I made all my mortgage payments to them on time and they received the full payoff for my loan after closing. I confirmed with my closing attorney XXXX XXXX XXXX that SLS received full payment. On XX/XX/XXXX I sent SLS a formal letter requesting they correct their errors on my credit report along with my XX/XX/XXXX credit report, closing disclosure from XXXX XXXX XXXX and a copy of my SLS billing statement. On XX/XX/XXXX I received a response from SLS stating that they would not correct their errors on my credit report. The correspondence included a summary of my mortgage activity from THEIR OWN SYSTEMS proving that I made all payments on time, that they had in fact received the full payoff amount and it was equal to the full balance owed. Despite this evidence they are refusing to update my credit report. I consulted my attorney and he recommended that I file a complaint with CFPB. Their error has dropped my credit score XXXX points and I really need your help working with them to get this corrected. Thank you for your time and consideration, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, i have a loan with Specialized loan services which was put on forbearance because of COVID 19 and everything being on lock down from XXXX until XXXXRight before end of the period i called my lender and spoke about options to repay the debt which the agent was kind to set one for me in the next 6 months.I payed the amount i needed to pay at that moment which i was instructed to do and than waited for another month to do my next payment.Next month came in and the agent on the phone had no clue what happened and said to me that there is no repayment plan going on on my loan and that he had to do it all over again and also checked and confirmed that the agent before him just submitted a payment and that was all. After XXXX XXXX did background check on my credit report they noticed one late payment that was reported from SLS and they did not wanted to take that out of my profile because apparently from their view i have missed a payment.Totally unfair for me to have that on my account after pandemic and not knowledgeable staff from their company to not guide me correctly in situations like this.I want full investigation from their side and a sweep on my account for present negative actions on my profile.T Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34104
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We completed a loan modification with Specialized Loan quite a while ago, however they continue to report our mortgage as a mortgage in foreclosure. That information is not correct, as this is now a mortgage in good standing. We have asked them to correct this listing multiple times, but they refuse to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received an esxrow analysis that included a sewer bill that was paid already. This resulted in my monthly payment increasing by approx XXXX more a month starting in XXXX When i called in to addess the issue in end of XXXX early XXXX they gave me instructions in how to remedy the issue. Pursuant to their request i sent a copy of the bill and receipt from XXXX XXXX County aknowledging paynent had been made to 4 different contact points ( 2 fax and 2 emails ). In XXXX i followed up to see if it had been addressed and their response was no not yet and that they would send an inquiry to the tax team. On XX/XX/XXXX i called in again and was advised they refused to aknowledge the receipts and even though they have not paid the sewer bill invoice yet that i needed to file a dispute or just pay the new mortgage payment. At that point i advised that until they acknowledge my prior efforts to remedy the issue i would not be making payment i called back today and their escalation team took the call and advised they would remove the sewer bill and re run the escrow analysis which would take up to 10 days and result in the payment being late by 4 days at a minimum. The treatment i received up the last contact was that of a common criminal when i never missed a mortgage payment. And after coutless hours ( at least 6 ) spent trying to be a responsible borrower i have yet to get this matter addressed. I have begged as politely as possible for them to please assist me when months later my efforts have fallen on deaf ears. I have mortgage default experience from a management level and understand the process. To think i overlooked anything is preposterous. I beg you for assistance as it all i have left
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: DUE TO COVID, WE ARE NOT ABLE TO MAKE OUR PAYMENTS OR SETTLE WITH SLS, as we have previously tried to. BUT NOW THEY THREATEN US WITH FORECLOSURE. When the economy and real estate market crashed in XXXX, we lost our jobs and savings and investments. After 5 years of continuous fight, we got a modification on the first. We could not afford any payment on the SECOND ( equity line ) and beg for forgiveness from XXXX XXXX XXXX, but we were informed that they no longer service this loan. Apparently, they sold it to Specialized Loan servicing ( after getting the bailout money from the government ). For 12 years I have tried to communicate with SLS to get an affordable payment plan or forgiveness or a reasonable settlement. But their DEMANDS were beyond my capability. NOW they doubled the original principal loan balance. SLS customer resolution, Miss XXXX is the appointed agent for my second mortgage. Since XXXX my health deteriorates tremendously due to stress. I have developed a severe health condition call XXXX, due to intense stress trying to get modifications with the first and second for the past 12 years. Now, every time Miss XXXX calls me, my XXXX rate goes up to XXXX to XXXX bpm as she speaks to in a very unprofessional manner, she threatens and harasses me continuously. I repeatedly ask to talk to her manager, Mr XXXX, but she says, he Is not available to speak at the moment but will leave him a message. BUT HE NEVER CALLS ME Whenever I called in, I spoke to whoever answers the phone. I have spoken to Mr. XXXX and Miss XXXX who were very professional and treated me fairly. But Miss XXXX continues to call me and leave messages for me to call her, even after repeatedly in previously recorded conversations, asked her to not call me and requested all corresponding in writing, due to my health conditions. But I believe these recorded conversations are edited by their company or was never recorded. On XX/XX/XXXX, I called and spoke to one agent about the settlement ; she said that they refused my offer and that they will only accept XXXX. This was beyond my capability and I would like to apply for a modification after the expiration of the settlement. XX/XX/XXXX I called to get an update status and to request a loan modification, unfortunately, XXXX answered the phone, and again she started to THREATEN AND harass me. ( She says to me, you have not made any payments in 12 years and we are going to foreclose on your house. There is already foreclosure on the account ; I said that I was told I can apply for a modification. ( She says that my loan is not qualified for any modification. The only option is to pay the balance or foreclosure ), as she refused to acknowledge THE HOLD ON ALL FORECLOSURES IN CALIFORNIA AND MISS XXXX CONTINUES TO THREATEN ME WITH HER HARRASSING PHONE CALLS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Received alert from XXXX XXXX XXXX that I had negative information posted to my credit report. Went to XXXX to review the Item. XXXX, XXXX, and XXXX were displaying that I had a late payment for XXXX for Specialized Loan Servicing that is now 60 days past due. Filed a dispute on XX/XX/2020 with all three agencies and provided receipts that I had not missed a payment for XXXX, XXXX and XXXX. Also, contacted Specialized Loan Servicing on XX/XX/2020 and they had stated that they had received my payments, but had not posted them to my account. That they would put in a ticket to escalate this issue. Nothing has been updated on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows XXXX XXXX Date Generated : XX/XX/XXXX XXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Unfortunately. I never Got Credit from XXXX XXXX XXXX. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to XXXX This issue/ I need HELP. THANK YOU XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hello CFPD, it has been more then a YEAR, Trying to Work with MORTGAGE/LADAR to CORRECT-REMOVE in-Correct Information is Posted to my Credit Report. # as fallows . XXXX Date Generated : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX was my Original LANDER, My FIRST Payment was Due XX/XX/XXXX I PAID via Check Amount {$2000.00} But they SOLD my Paper to SLS Servicing XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO.XXXX Unfortunately. I never Got Credit from SLS Specialized Loan. in-spite. I provide them Several time Copy of Check was CASH on XX/XX/XXXX And it still Sowing on my Credit REPORT LATE/NO Payment. I have been Filing Dispute with USA XXXX. Finally I am seeking your Help to Rosevale This issue/ I need HELP. THANK YOU XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A