Date Received: 2023-10-14
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Our Complaint ID is XXXX. We are asking you to send us the Company 's response. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: Refer to Previously Submitted Request # XXXX : Specialized Loan Servicing is NOT the servicer after XX/XX/XXXX. However, Specialized Loan Servicing ( a debt collector ) has been harassing us to pay off an alleged loan- which was PAID IN FULL -- - XX/XX/XXXX. The account was service transferred BACK to XXXX XXXX XXXXXXXX XXXX effective XX/XX/XXXX. We have sent cease and desist letters to Specialized Loan Servicing several times - and now they have created a payoff statement seeking money- under false pretense. Both, Specialized Loan Servicing and XXXX XXXX are debt collectors. ( Even though the account was paid in full in XX/XX/XXXX ), we have not paid a payment since XX/XX/XXXX BECAUSE There is no payment due!!!!!!! But IF there was a payment due, per the Statute of Limitation laws here in Virginia, for mortgages, a debt collector is time-barred from attempting to collect - after 5 years for promissory notes, or 6 years maximum. That would be XX/XX/XXXX. Both companies are violating the Fair Debt Collection Practices Act. XXXX XXXX has sent several documents to us - showing paid in full. However, of course, NOW they have purged them out of their system. Recorded documents are also recorded in our County records, accordingly. We would be happy to forward additional supporting information later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23231
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Specialized Loan Services a XXXX old account that was payed off and closed in good standard was removed from my credit report XXXX XXXX & XXXX XXXXXXXX and have affected my credit score tremendously. These remarks have caused me very offending harm with all credit bureaus on my report, dropping my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: the Home Equity Line of Credit has had a XXXX balance for months. 3 times via telephone and 3 times via letter, I have asked to close this XXXX BALANCE HELOC and they continue ignore my requests for updates on the status AND have ignored my request to close the loan and remove it from my property deed. I have called. I have written several letters and threatened action with the CFPB. They utterly ignore my requests to close the loan. Specialized Loan Servicing, Loan Number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I am sending this second complaint against Specialized Loan Servicing ( SLS ). Specialized Loan Servicing continues to move forward with the scheduled XXXX sale date. I have requested several pieces of information and sent the Notice of XXXX regarding the errors that have taken place on my account regarding the handling of my Mortgage Assistance application. The Qualified Written Response requests information that I believe is not accurate. I have requested the cancellation of the XXXX sale date as all the above items are outstanding and in question. In addition, I have a ratified sales contract to purchase my home! `o I have received nothing!!! Specialized Loan Servicing continues to disregard requests and move forward with complete autonomy. Adhering to no request and ignoring federal guidelines and procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX XXXX, XXXX is foreclosing on our home over a debt that is from XX/XX/XXXX. Since XXXX they have not made any contact or attempted to collect the debt. Beginning in XXXX of XXXX they filed pre-foreclosure on the house without any prior notice or attempt to collect or settle the debt. XXXX XXXX XXXX, XXXX is practicing extreme and abusive collection practices. When attempts to contact the company have been made they intimidate, interrupt, and dismiss request for information. When attempting to settle the debt multiple requests to have offers reviewed have to be made before they follow due process. The loan being collected reached an interest maximum in XXXX and XXXX XXXX XXXX, XXXX continued to not attempt to collect the debt. They waited two years before with out any contact before beginning foreclosure. This has significantly affected the ability to pay back the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I applied for mortgage assistance with Specialized Loan Servicing ( SLS ) in XXXX, XXXX, and XX/XX/XXXX. I was instructed by SLS representative to apply for a short sale as that was my only assistance option available. I was instructed to apply each month until I obtained a purchase offer on my home to be evaluated and approved. I followed instructions as directed. I submitted an assistance application in XXXX, which was approved by SLS. I was told I would have the necessary time of 90 days to obtain a ratified purchase order. I was also instructed to continue to apply to make sure my status of short sale approval with SLS continued to be active. I did just that submitting two additional applications in XXXX and in XX/XX/XXXX. SLS states they received my application in XXXX ; however, they ignored the application and stated they did not receive the XX/XX/XXXX application. On XX/XX/XXXX, SLS wrongfully closed my short sale application and immediately placed a sale date on my file. I followed the instructions and directions of the SLS representative and now I am being penalized and being forced into a foreclosure sale. My understanding is that my file would continue to stay open for 90 days as I attempted to get a contract on my home. I sent a new application for a short sale on XXXX which was ignored and an additional application on XX/XX/XXXX to make sure the application stayed open. On XXXX I was able to ratify a purchase contract to have my home purchased. This information was sent to SLS with the required information needed to complete short sale approval and this was denied! SLS is wrongfully forcing me into a foreclosure sale, denying me the right to sell my home and avoid a foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My loan was transferred to SLS from XXXX XXXX ... upon transfer my covid forbearance escrow that was previously spread over 36 months was changed to being spread over one year ( a default period ) and my payment just went up by XXXX!! The payment was automatically made as I'm on autopay. I called in and apparently they said they would fix it back to 36 months going forward. ( which I don't know if that has happened ) However, I would like to request a check back for the over-payment in XXXX of {$500.00} as this was not my fault but an error in the SLS system arranging the escrow over a year by default and not by my forbearance plan. Upon requesting this they acted very put-out and I was sent to a supervisor. I was then put on hold for about an hour and finally hung up on after the supervisor heard my story. So I then called back in, waiting another half an hour for a supervisor and hung up on again. I tired sending a secure message through their online system which received a canned response with no way to reply. SLS has a terrible system for communication. It seems like it's designed for customers to not reach a live person who can help. And when an agent gets a tougher situation which may take some effort to fix, they just hang up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84043
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Specialized loan servicing. Account number XXXX I have been trying to do a settlement on a HELOC for a property that is no longer owned ( original foreclosed upon 15 years ago ). I have been working with specialized loan servicing for 2 months only to continue to get run around asking for same documents time over time. I am requesting a settlement as I have paid for 15 years on a property no longer owned. Requesting help as they continue to give run around with no support I have never been late Rates keep going up Property not owned Original house foreclosed on 15 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A