Date Received: 2020-06-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a 2nd mortgage with specialize loan services.after the XXXX crash I got my mortgage modification I ask them to include my second mortgage into one but they said it not important so they modified with out them. So I requested from my 2nd Mortgage company a settlement for {$3500.00} which they did agreed. But I didnt know that until months later that it was now expired they send it to the email an no notification by s letter. So I tried to get them reopened it again. They told me I have to resubmitted all info again. After with they denied it every year on I tried with my tax time come they denied it. But for the last year am so in distress and having nightmare about losing my house. There is one lady the is the case manager she harassed me calling everyday telling me to sell the house am to sell my jewelry or my vehicle to pay them or get a loan from people to pay them. She call from unknown numbers. She didnt want to identify herself she uses all kind of tactic to harass me I told her I can afford to pay it. I am not working as much because my two kids going through a tough time with XXXX XXXX an that times I can keep my jobs because I have to attend to them. I sent in several settlement she dont even pass it to the manager she throw it out say its not enough so shes not giving it to my boss she block everything I try my credit is bad I can refinance or get a loan. Am so over welem an upset an mentally drain but this every time she call I get over stressed out an nervous all day she call everyday. This is my contact XXXX.please please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX transferred/sold my home mortgage to Specialized Loan Servicing ( SLS ). When I requested a payoff I saw that it stated that I owe an additional {$15000.00} in other deferred amount owed. I called XXXX XXXX for an explanation and they directed me to SLS. Ive now called SLS four times having to leave a request for a call back. I have not received a call back. I sent a certified letter to the address listed on my bill. It is a P.O. Box. The letter arrived on XX/XX/XXXX at XXXX XXXX. I requested all documents supporting/related to the {$15000.00} amount. I have not received anything or an acknowledgement. My home is currently being sold. Escrow is due to close XX/XX/XXXX. I of course only want to pay what I owe. Due to the lack of response, Ill have to pay this amount off so title can be transferred to the new owner. I want to see the proof that this amount is owed. Im not disputing the principal balanced owed. My wife and I have no recollection of what the other amount represents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, CO XXXX XXXX : Qualified Written Request Pursuant to the Real Estate Settlement Procedures Act for Account Number xxxxxx To Whom It May Concern : I received notice that I have been approved for an assistance plan based on the COVID-19 pandemic. The plan states that I will be able to make partial payments during the forbearance period which runs from XX/XX/2020 through XX/XX/2020. However, I have made two payments and the payments have been returned. I am writing to request that my account allow partial payments during this time. I have been provided with an amount that will be due in a lump sum once the forbearance period ends. However, I feel that it is in my best interest to make partial payments if I can. In the past two months I have made two payments toward my balance. Yet the payments have been returned. XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX Debit - {$440.00} XX/XX/2020 XXXX Transaction - SLS ONLINE PMT XXXX Debit - {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX Credit {$440.00} XX/XX/2020 XXXX Transaction - SPECIALIZED LOANPMT REFUND XXXX Credit {$440.00} Please write to me within 15 days to explain why my account will not accept partial payments at this time and if it will be possible to allow partial payments so that I can begin to pay down my balance so that I do not experience a balloon payment at the end of the term. Thank you so much for your attention to this matter. If you need to reach me, my number is xxxxxxxxx Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I called " Specialized Loan Services '' and told them I could not pay the scheduled payment on XX/XX/XXXX. At that time I was given a '' Forbearance ''. What I thought was that SLS would not take that scheduled payment, but they did! This has caused me undo hardship. It was money SLS just indorsed for damage to my roof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74011
Submitted Via: Web
Date Sent: 2020-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Despite assurance in writing from the Mortgage Company Specialized Loan Servicing and the three credit reporting Agencies XXXX, XXXX and XXXX that the incorrect report of 90 days past due mortgage will be corrected and the credit score would reflect the corrected information I was denied a Mortgage refinance from XXXX XXXX XXXX due to a credit score below XXXX and a credit report from the three agencies reporting a 90 day past due mortgage report by SLS Company ( specialized Loan servicing. It has been one year since SLS received a full payment by the Title Company on XX/XX/XXXX ; SLS reported Mortgage unpaid for XXXX, XXXX and XX/XX/XXXX. I received a letter from SLS stating that on XX/XX/XXXX an update was sent to the three credit reporting agencies to remove the delinquent payment information from XXXX, XXXX and XX/XX/XXXX but it has not been done, the three agencies credit report past due mortage with SLS, the credit score reflects the incorrect report and I can not refinance my House at lower interest rates.I filed complaint with CFPB on XX/XX/XXXX XXXX and XXXX and XXXX
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We applied for a personal loan with XXXX XXXX XXXX XXXX and our bank and was turned down. Our loan officer stated we have a dispute against us from Specialized Loan Servicing. We called the company and disputed this action on our credit report and asked them to remove it. The credit Bureau stated all the SLS Loan company had to do is call Credit Bureau and this can be fixed. They refused and stated they want us to send a letter to them stating what we want done.They stated it could take several weeks to have this removed. We have never missed a payment through this loan company. We did apply for a Forbearance but, once we reviewed all the information we decided to pay our payment each month on time. We have called the loan company again and they will not remove this off our credit report. They never answer our calls and refuse to cooperate with us to solve our problem with our credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE WRITTEN A LETTER TO THE CONSUMER FINANCIAL PROTECTION BUREAU AND ATTACHED THE LETTER TO THIS COMPLAINT, I HAVE ALSO ATTACHED SEVERAL DOCUMENTS TO SUBSTANTIATE MY LOAN EXPERIENCE, AND SITUATION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2020-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We refinanced our mortgage with another lender, but our previous lender was CMC Funding. Due to the refinance, we were to receive money from our escrow account equaling about {$4500.00}. We have received {$2100.00} of it but have not received the {$2400.00} from the insurance portion of escrow. I have contacted them on numerous occasions. Earliest being close to XX/XX/20 with me requesting status on our escrow checks. This date I was told that XXXX XXXX was paid {$2400.00} using a card and I would need to contact them. I contacted the insurance company and they told me that the charge was reversed due to Insufficient Funds back to the card they used. Most recently on XX/XX/20 when I was told that the charge to insurance was reversed and we would receive the funds by check in at least two weeks. Today ( XX/XX/20 ), I'm being told it will be 19 days. Also, CMC Funding has not issued the Lien Release to the Registrar 's Office in XXXX XXXX, TN so we can close on our second mortgage. They said they would resend it online but they have failed to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see attached letters that explain the circumstances. I believe I finally completed a modification back in XX/XX/XXXXby XXXX. XXXX is the largest home modification organization in the nation .It was so long ago. I am attempting to remember to the best of my ability. I am in the real estate industry. Our industry was hit hard back in XX/XX/XXXX. I attempted to to resolve the issue with both banks to modify and or settle with the second lien holder, but to no avail. I believe I tried for over a year and several months, then sought outside assistance to save my home. I was told that the process of saving my home through modification was completed and I had no reason to believe that it wasn't as my house was not foreclosed. My last payment to the company that owned my 2nd mortgage was on XX/XX/XXXX, Please see attached document. Specialized Loan Servicing is attempting to foreclose on my house. I received a notice of intent on XX/XX/XXXX, Please see attached document. And a notice of default on XX/XX/XXXX. I thought it was some kind of mistake or joke because I receive letters from previous debt holders from time to time but nothing ever materializes because the debt is so old. But this was a little more threatening, therefore, I called and requested documents, but in early XX/XX/XXXX, I was told in order to stop all action, I must submit a letter in writing. Therefore, I sent a letter to the address that was given to me by the manager, which later resulted in me receiving a letter stipulating I sent the letter to the wrong address ( please see attached document ) and a sale date was then placed on my property. Prior to sending the letter there was no sale date. I sent another letter, but never received the requested information. But in response to the letter, I received a generic letter regarding payment choices, please see attached document. All addresses to send the disputed letters were to PO boxes. The second letter I sent was by certified mail to document the address and that the letter was received by the servicing company. I spoke to the trustee company and was informed by XXXX that the sale date process was completed on XX/XX/XXXX. This date was two days after the letter was sent to me requesting I resend the letter to the appropriate PO Box . Again, I believe I sent it to the appropriate PO Box , but didn't have proof because the 1st letter wasn't sent by certified mail. My last attempt to resolve this issue was on XX/XX/XXXX. I was supposed to receive a call from XXXX, the Department Manager, in the morning, but the call never materialized. They are attempting to foreclose on a 12 year old debt. It is normal and customary in the mortgage industry, to file a notice of default in 60 days, not 12 years. They are a servicing company not a lender. I believe their behavior is fraudulent, unethical and unscrupulous. Please assist me with the horrific issue. Thank you in advance for your 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: 92530
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a cancelled check stating they received the payment on XXXX XX/XX/2020. They entered the date in their system as XXXX XX/XX/2020. They began charging penalties and late fees. They harassed me with phone calls. I have been receiving third party notifications that they have reported me to credit agencies. I have been receiving calls from third party agencies offering me " debt relief ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A