Date Received: 2020-08-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I believe that my late father 's home was foreclosed on illegally. After reading that Specialized Loan Services LLC was in violation of Foreclosure rights I would like to have my late father 's file evaluated for foreclosure violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33971
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my complaint is about Specialize Loan Servicing company.My loan was held by XXXX XXXX XXXX after taken from XXXX XXXX.In XXXX XXXX give it to this company everything was fine until this XXXX when my insurance was increased. Immediately I made telephone contact regarding cancelling to a lower premium of which I did. You will note in the articles I send. After that was taken care by a person by the name of XXXX ext came a bill with a different payment. I spoke to XXXX who assured me that the insurance, monthly payments that I send and the total Escrow Balance that they quoted paid in full plus some overpayment.Why the overpay amount at first they send me a balance for {$4500.00} after I paid that they send me a different amount instead which is {$3800.00} you will also note in the receipts I send a correspondent requesting a new calculation since I paid the escrow in full and my taxes remains the same I pointed out that my monthly mortgage payments should be less.The new insurance is almost 1/3 of the new and still below the original which was $ XXXX.Up to the month of XXXX my monthly payments remains at {$1300.00} XXXX stated I should wait for a new bill while she make sure all the monies are placed in their proper place including the monthly payments that I still send'She also told me that they record only partial payment for the month of XXXX I send the copy to the company for it to be fix..In XXXX there comes an incorrect bill -- you will note I spoke XXXX relate the whole problem nothing is been done. While this is going on the company is sending me delinquent lettere two in each month.The payments varies each month XXXX it was {$20000.00} XXXX $ 1994.88+ {$50.00} XXXX $ 1994.88+ new fee and also escrow amount I am so frustrated, full of fear of loosing my house I am XXXX XXXX XXXX, retired I cant afford to loose my place especially when the problem is due to a company that refuse to make things right. I have to combine my social security benefit check with my retirement check to make monthly payment I am already stressed this problem is making my XXXX XXXX going through the roof. I do everything they requested still there is no cooperation on their path. when looking into this matter Please note My escrow Balance is paid in full by me. MY taxes amount remains the same and ( 3 ) my insurance is less than my original amount and less than 1/2 the amount of the {$5900.00} that is cancelled. with these in mind there is no accountant can calculate my payments to be more than my previous payments. It MUST BE LOWER THAN {$1300.00}. I am looking forward for your help. If there is anything that you need to verify you may call XXXX text or email me at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2020-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have found SLS very difficult to work with. Applied for Loan Mod. in XX/XX/XXXX, but they claimed they did not get it. Resubmitted all documents several times and finally new Loan Mod. granted and mailed out on XX/XX/XXXX. I signed and returned all paperwork and completed the 3-Trial payments, on-time, as of XX/XX/XXXX. I requested a LOWER Interest Rate and Monthly Payment Amount for the ne payment amount. However, SLS RAISED the Interest Rate from 3.75 % to 3.87 % and RAISED my monthly payment. I called SLS on this, on XX/XX/XXXX and spoke with " XXXX '', who stated, " These terms are non-negotiable. That's the only way we are able to approve the loan modification. '' XXXX refused to give me her ID #, so I had to call back on XX/XX/XXXX and get it. Teller ID # XXXXXXXX. Said she does not have an MLS #. I filed a Complaint on XX/XX/XXXX and SLS said they could not read it. I re-faxed the information, again, several times and resubmitted the CFPB Complaint. SLS has DONE NOTHING to correct these Complaint ISSUES. The CFPB has a Glitch in the system, which would NOT allow me to submit my complaint. I had to SAVE it to a File ; and then attach that File.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After bankruptcy XXXX XXXX XXXX sold the servicing of my heloc to specialized loan services. This company refuses to send me statements even after I have asked multiple times. Also, I am up to date on my payments and they just stopped applying the payments to my account. They sent me a letter to the mail that I was behind. When I called after a 45 minute wait they said.. woops we have not been applying your payments to the account. The goal of sending this mortgage to specialized loan services was to make it very difficult for me to get information so that they can take this home that I have allot of equity in
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: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I recently refinanced my home mortgage, and the new loan funded on XX/XX/XXXX. The payoff statement from my old servicer, Specialized Loan Servicing LLC ( SLS ), was from XXXX through XXXX. Since the new loan funded on XX/XX/XXXX, SLS owes me an interest refund from XX/XX/XXXX through XXXX. I spoke with SLS on XX/XX/XXXX, and their representative confirmed that my interest refund from XX/XX/XXXX to XXXX was in process, and a check would arrive by the end of XXXX at the latest. It is now XXXX, and I have not received a check or any further communication from SLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: CMC Funding, lnc c/o Specialized Loan Servicing LLC took over the servicing of my mortgage effective XX/XX/2020. I followed the instructions provided and mailed my XX/XX/XXXX payment to CMC Funding. The check cleared my bank on XX/XX/2020. Because of several mistakes made by CMC Funding detailed in my attached letter mailed to CMC Funding on XX/XX/2020, they autodrafted a second payment on XX/XX/2020. Contrary to my repeated requests for a return of the second payment they mistakenly autodrafted, they applied the second payment to the principle on XX/XX/2020. Only after further requests did CMC Funding finally return the second XXXX payment, which I received on XX/XX/2020, almost 40 days after they took the second payment. I asked for restitution for the loss of use of the wrongly autodrafted second XXXX payment, and the company 's response is attached. Basically, they have told me they are within their legal rights to wrongly take a second payment and they owe me nothing other than the return of the money, not even an apology for their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a continuation of prior complaints. Now they show me 60 days late, in default, and intent to foreclose. I have sent all the payments. I can not control what they do with them. It seems as though this is some kind of racketeering scam or criminal activity to extort extra money out of you by threatening to foreclose and harass. Receive phone calls constantly and usually letters every other day, and/or every Friday. Have an ulcer from this.What do you do when they don't process your payment. We have lost 2 sales on the house. Can't sell because can't get financed for a new one because they've wrecked my credit and won't fix it and neither will the credit bureaus. How are you allowing companies to do this. XXXX XXXX transferred to them XX/XX/2018 & I have been living with this. I understand that XXXX XXXX is guilty of this in 11 states. Is Specialized Loan Servicing affiliated with XXXX XXXX or an arm or co-conspirator to defraud. They only do this to customers paying on time, and then say you have not.PLEASE STOP THIS ; PLEASE FIX THIS. WE NOW HAVE A 3RD POTENTIAL BUYER. All have been at asking price. I almost throw up every time I get a letter from these despicable pieces of garbage. On top of all this, it wrecked our chance at a reverse mortgage to get away from them. THIS HAS TO STOP NOW! I will not tolerate this any longer, my health is in jeopardy. We are senior citizens and my husband is a veteran that's had 2 strokes. If either of us die from this harassment, I will make sure that the estate sues everybody, forever! There must be some recourse and you must have some authority to revoke their license and put them out of business. It's not just for us, but for the others that they've done this to that I see online. Attaching file with docs from them and updated Exhibit A & B with all my payments and usps receipt numbers. PLEASE, PLEASE, PLEASE DO SOMETHING THIS WEEK! I can't take anymore of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on the payment history from your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed the loan in XXXX and mailed a check that was converted to an ACH payment on XXXX and taken out of my checking account. The coupon that came with the loan paper work was mailed with the check. I mailed a 2Nd check with the coupon and it was converted to an ACH PAYMENT that was taken out on XX/XX/XXXX. The 3rd check was converted to an ACH and taken out of my account on XX/XX/XXXX. The loan finally showed up on their web site and I was able to monitor it. I made at least 8 calls to SLS trying to get this taken care of and to get them to find my {$3600.00}. And was promised 2 phone calls from supervisors and have not received 1 call as of yet! Today I received via mail a check for {$2400.00} stating SLS doesnt service this loan. Please help me get this straight. Im not making a 4th payment ( XXXX payment ) until this is resolved. I still have {$1200.00} missing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78653
Submitted Via: Web
Date Sent: 2020-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Services was provided documentation to show when payments were made for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, indicating paid within the same month and should not reflect 30 day late against my credit report. Specialized Loan Services agreed to remove the 30 day late for XX/XX/XXXX and XX/XX/XXXX however have not done so to date nor have re-reported to credit bureaus as promised. The organization also request proof of payment for XX/XX/XXXX for review for consideration of removing both 30 day late for XXXX and XX/XX/XXXX. Proof of payments have been provided, however still no updates nor updates to my credit report. I ask for speedy review and response, especially during unprecedented times such as these, as I need to be able to use my credit without inaccurate blemish to sustain my business. And wish to not spend unnecessarily resources on litigation of this matter, as I believe Specialized Loan Services will do the right thing here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A