Date Received: 2020-04-15
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My complaint is with Specialzed Loan Servicing, LLC. I had difficulty paying my mortgage with this company prior to them giving me a loan modification. Even though they later approved a loan modification for me, they did not remove my prior late payments from my credit report. After I got the loan modification, they stated that I have to pay a huge balloon payment on the loan in the future. I have tried to refinance my loan but can't get one because Specialized Loan Servicing still has those late payments on my credit report and it has already been many years since I've been late. I need to refinance my loan because I won't be able to pay the balloon payment but my credit score can't increase because of the mortgage company not removing those late payments. Please ask them to remove all of those late payments from my credit report so my credit score will go up so I can refinance my mortgage. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 860XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: we have sent payments every single month and company SLS can not figure how to process them. Now they sent one payment back and changing payment history by 30 day late for 3 months after giving us a refund of 1 payment they took 90+ days ago and bank records confirm it sent on time. Now posting monthly payments as late because of their own accounting probelms ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80921
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a modification application on XX/XX/2019 as successor in interest under Civil Code section 2920.7. My successor in interest status has been verified. Specialized Loan Servicing 's request for additional documents is unreasonable. SLS refuses to process my modification application with due diligence. It finds reasons not to communicate with me in good faith or process the documents I provided in support of my modification application properly as is required by law. Furthermore, SLS refuses to endorse my insurance proceeds for sewage damage to my kitchen. Please see XXXX letter to SLS for detail. THIS IS A COVID-19 HEALTH RISK AS I RESIDE WITH MY XXXX-YEAR OLD GRANDMOTHER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX Specialized Loan Servicing ( SLS ) account is current. The past due XXXX XXXX XXXX balance transfer of XXXX as of XX/XX/XXXX is not valid. The last collection call received on Thursday, XX/XX/XXXX by collection rep. XXXX stated our account is now 30 days due. I am submitting a copy of fax response sent to Specialized Loan Servicing on XX/XX/XXXX stating that XXXX XXXX XXXX admitted to their error of misapplied payments and stated that all payments were made on time. Therefore, no payments were missed. Proof of all payments made to XXXX and SLS are attached to show proof of timely payment. Therefore our account is current before and after loan transfer on XX/XX/XXXX. Please correct past due balance to XXXX, remove all late monthly payment history from all credit bureaus and remove all late fees charged. I am submitting a copy of my fax response sent to SLS on XX/XX/XXXX as a complaint with Consumer Financial Protection Bureau ( CFPB ) because each time I speak to a collection representative, there is no update to my account of XXXX XXXX XXXX payment corrections or responses made myself or XXXX XXXX XXXX. The Collections Department keep stating that they have not received any updates from their other internal departments. They have no proof of all payments made for the period prior to XXXX loan transfer on XX/XX/XXXX. Each time my CFPB complaint is submitted to Specialized Loan Servicing ( SLS ), SLS closes my case and uses the same response letter written by SLS Customer Care Representative ID # XXXX, by the name of XXXX XXXX, I have attached fax confirmations, XXXX XXXX XXXX statements XXXX to XXXX, proof of all my previous monthly XXXX payments for period XXXX made to XXXX XXXX XXXX ( XXXX ) which were also posted on the XXXX XXXX XXXX home equity line statements. SLS keeps stating that that they need proof of payments before they can update my records. I have supplied an online XXXX payment report of all my XX/XX/XXXX-XX/XX/XXXX XXXX payments to show proof, which has the same payment confirmation numbers posted on the monthly XXXX statements. From the statement it is clear that payments from XX/XX/XXXX to XX/XX/XXXX were all misapplied. Each monthly payment, per loan terms must be applied as part principal and part interest. Please make the necessary corrections. Thanks
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: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing took over a loan which I previously had with XXXX XXXX XXXX. I have tried to get a short sale approval on my property with an offer already in place. I've sent them all the docs requested and have tried to follow up to see the decision or status since early XXXX. Each time I call they claim not to have received the docs. When I give them the dates I emailed them, they search and then say they received them. I called today and they tell me my application was withdrawn even though they acknowledge they have the required docs. Now they tell me they will send a letter advising the underwriter that I still want to get an answer as to the short sale and she advises me I will need to resend all the docs again. I've never dealt with a company so inept. One can never speak to the person that reviews the docs only individuals incorrectly reading an out dated request for docs. When asked to speak to a supervisor they advise they will need to call me back and they never do. This process is going to cause me to be foreclosed instead of having a lesser effect of a short sale on my credit. My account # is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: STATEMENT OF EVENTS RE : XXXX XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING After 15 years with XXXX XXXX as our loan servicer, they sold control to a company called Specialized Loan Servicing who assumed our loan on XX/XX/XXXX. We thought the payment transition went smoothly until XXXX, when they apparently did an escrow account review and predicted that we needed more money for our escrow. They DID NOT ( and have no proof of ) notify us, even though they had all of our contact information. We had an automatic, electronic payment going to them monthly, but because of the higher minimum payment, our loan payments looked as though they were late for the months of XXXX and XXXX of XXXX. They were not late, but because the payment amount did not satisfy the minimum due they held the money until the next months payment came and then paid the previous month. When we noticed this due to past due notices, we immediately called and tried to resolve this on XX/XX/XXXX. We adjusted the payment to the correct amount and paid any late fees that were due. On XX/XX/XXXX we contacted SLS again to inquire about refinancing options and the principle balance and were told that with the late payments showing that we would not qualify for a refinance or a better rate. We contacted a few other mortgage companies, with the same answer. On XX/XX/XXXX we spent more than 3 hours on the phone with a supervisor, XXXX, going through every transaction and she agreed that the lack of communication and way in which payments were being applied, coupled with the one time grace late payment that they grant every customer, that the late payments for XXXX and XXXX would be removed by the consumer escalation department. That department called on XX/XX/XXXX and disagreed and said that their reporting of the situation was correct and they would not remove the report to the credit bureaus. Then on XX/XX/XXXX, after having gone through all of the numbers with XXXX and realizing that even with the increase in the escrow amount there still wouldnt be enough money to satisfy the taxes and insurance that would be due the following spring, we asked that an additional {$32.00} be added to the monthly payment of {$2300.00} to ensure that there would be enough money to pay what was needed and that would be effective XX/XX/XXXX until further notice. On XXXX and XX/XX/XXXX we ( in all of the confusion of trying to straighten out the payment ) made two payments, making us a month ahead. On XX/XX/XXXX we again contacted SLS to find out that it was decided by the consumer escalation department that they would not reverse anything, we called because they never contacted us with their decision. On XX/XX/XXXX we contacted the credit bureaus and asked them to open an investigation to contest the disparaging marks on our credit. On XX/XX/XXXX we received a refund for overpayment of our escrow in the amount of {$440.00}, of which less than {$100.00} was from the additional escrow of {$32.00} that we requested be taken out to ensure there was no shortage. We contacted SLS to ask again that they clearly miscalculated our escrow to such a degree that there was a significant surplus paid and that it was the root of all of this situation. Attached to the refund of the overpayment of escrow was the estimated new amount due to satisfy taxes insurance for this next year, which again has changed. At least we now know what it will be and have now on XX/XX/XXXX have removed the additional escrow amount of {$32.00} effective XX/XX/XXXX. We also asked them to resubmit the request for the consumer escalation department to review this situation in hopes of resolving the late notations on our credit. Also, now in XXXX we are submitting our history of payments and the statement from SLS that we believe proves that this was a communication error and respectfully ask the credit bureaus to remove the reports of 30 day late payments for XXXX and XXXX of XXXX. We feel that this is deceptive and incorrect business practice to trap us as we are not able to refinance with them or anyone else until this is resolved once and for all. We dont want anyone else to get sucked into this trap, so we ask that you ( Consumer Financial Protection Bureau ) publish this complaint for their sake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2020-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Our Mother, that passed away, had a loan, line of credit, with XXXX XXXX XXXX that was sold to SLS Servicing Loans. Our mother loss her XXXX ( source of income ) was in and out of the hospital before passing away in XXXX 2019. All of this happened in the span of 7 months. Back to back it was something and she failed to pay on that loan. When she. passed we took a month to process. We collected her bills and reached out to SLS to have the validate the debt. During this time they continued to send 3-4 letters with interested added while we had to submit paper word of being an executor of the estate. Then ocne we ere able to access her files they continue to send more letters and added more interest and still no proof of debt owed. When it was validated we then applied for Mortgage Loan Assistance to get our options and reduce the interest. They then sent an attempt to foreclose from a lawyer. During this time we had continued to find out by calling weekly about further documents need even when online it would state something else. Also every time we called it would be something different needed. They only way we would get status updates if we called or checked or mail which would also take long to receive. Now we logged into our account an our application is gone and more interest has been added. We are proactive in trying to settle this with no proper communication on what do moving forward. Not one person has been consistent in assisting us. If it was not for COVID19 we believe they would try to foreclose on us. We just want all fees and interest since her passing reduced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2020-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a personal line of credit with XXXX XXXX XXXX. XXXX XXXX XXXX sold my loan to specialized loan services. The transaction took six months to get all theAll the paperwork. So in the meantime I am paying specialized loan services, XXXX XXXX XXXX Computer doesnt realize that I making payments to new lender. So I received from the credit bureau 90 days late. Wrote a letter to XXXX XXXX XXXX explaining what happened, they said according to their records everything was done correctly. Now specialized loan services is also said Im 90 days late on payment. So I have XXXX in mortgages the value of the property is {$1.00} XXXX and I cant refinance because of the late reporting. I tried to make up the late payments and specialized loan services said Im too far behind even though I had more than half the money to make up the arrears And now with the coronavirus I have no ability to make the payments to specialized loan services which is the second mortgage now I gather. So by complaint is my line of credit went from {$1000.00} a month for XXXX which I paid for close to eight months and now with my credit problem Im on able to refinance my house and Looking for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/XXXX I called to once again let them know Im being reported late although their records show I havent been late Rep insisted their records were correct and up to date but credit report shows late ... .I also call XXXX, and XXXX of XXXX to have them investigate the account as to why they were reporting me late and was told the would make the changes and updates would be made but none were made. Modified mortgage in XX/XX/XXXX have been paying each month never late and the still report me late. Theyve reported late during my modification trial months as well and each month then after.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX SPECIALIZED LOAN SERVICING LLC, INC. IS FORCING US INTO FORECLOSURE DURING A WORLD WIDE PANDEMIC. WE ARE SENIORS, I AM XXXX AND THEY ARE KICKING US TO THE CURB WITH NO WHERE TO GO. PLEASE STOP THEIR HEINOUS BEHAVIOR BY APPROVING OUR FIRST TRIAL PERIOD REQUEST XX/XX/XXXX THROUGH XX/XX/XXXX FOR A LOAN MODIFICATION ON OUR ONLY HOME. ATTACHED ARE TWO USPS DOCUMENTS SHOWING PROOF OF DELIVERY OF THE XX/XX/XXXX CHECK PACKAGE and the XX/XX/XXXX APPEAL PACKAGE. A COPY OF THE XX/XX/XXXX PAYMENT CHECK # XXXX DRAWN ON XXXX DATED XXXX XXXX IS ALSO UPLOADED AND WAS INCLUDED IN THE APPEAL PACKAGE WE SENT TO SLS USPS PROOF OF DELIVERY XXXX XXXX XXXX XXXX XXXX. THIS IS A REQUEST FOR AN APPEAL ; A RECONSIDERATION AND APPROVAL OF THE FIRST ORIGINAL TRIAL LOAN MODIFICATION PLAN FOR Specialized Loan Servicing LL.C Inc. We are in receipt of THE COMPANY 'S letter dated XX/XX/XXXX DENYING OUR LOAN MODIFICATION BASED ON FAILURE TO MEET THE TERMS OF THE TRIAL PERIOD XXXX, XXXX AND XX/XX/XXXX. THIS IS A FACTUAL ERROR WE'VE TRIED TO EXPLAIN TO THEM BUT THEY DONT LISTEN AND NOW WANT US TO BE IN A SHORT SALE- WE DO NOT WANT THAT. WE APPEAL AND PLEASE APPROVE OUR FIRST TRIAL PERIOD REQUEST XX/XX/XXXX THROUGH XX/XX/XXXX FOR A LOAN MODIFICATION ON OUR ONLY HOME. WE DISPUTE AND APPEAL THEIR DECISION TO DENY OUR FIRST LOAN MODIFICATION REQUEST BECAUSE WE WERE COMPLIANT WITH ALL REQUIREMENTS FOR THE TRIAL PERIOD XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THE LOAN MODIFICATION SHOULD HAVE BEEN APPROVED AND NOT DENIED BECAUSE THE COMPANY FAILED TO CASH THE XX/XX/XXXX {$500.00} CHECK DRAWN ON XXXX CHECK NUMBER XXXX. THE FAILURE TO CASH THE CHECK AND NOTIFY US THAT THE CHECK WAS NOT CASHED WASTED TIME CAUSING THE TRIAL PERIOD TO ELAPSE RESULTING IN A DENIAL OF THE ORIGINAL LOAN MODIFICATION REQUEST. WE ARE READY WILLING AND ABLE TO IMMEDIATELY PROVIDE THE COMPANY WITH THE MONEY TO REPLACE THE CHECK THEY DID NOT CASH. WE WILL SEND THE MONEY IN ANY MANNER REQUESTED BE IT PERSONAL CHECK, WIRE TRANSFER, OR CERTIFIED CHECK RETURN RECEIPT REQUESTED USPS MAIL. SITUATION : According to the original forbearance terms we agreed to pay THE COMPANY {$500.00} per month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. THE XXXX XXXX PAYMENT- made payable to Specialized Loan Servicing, LLC , Inc. dated XXXX DRAWN ON XXXX CHECK # XXXX was sent AND DELIVERED TO THE COMPANY IN XXXX Colorado Facility USPS TRACKING NUMBER XXXX SLS RECEIVED BUT DID NOT CASH OR APPLY THE XX/XX/XXXX XXXXXXXX XXXX CHECK TO THE ACCOUNT. THEREFORE, THE LOAN MODIFICATION PLAN WAS CANCELED AND WE WERE DENIED A LOAN MODIFICATION OF OUR HOME. XXXX AND XX/XX/XXXX - ( Teller ID XXXX ) called us and asked for the check number for the {$500.00} XXXX payment ( XXXX ). I gave her the check number ( above ) and she said she would ask the " cashier department '' to see about the check. I asked ( Teller ID XXXX ) if she wanted the USPS tracking number to confirm receipt of the check package and she answered " NO '' on the recorded line. If she had responded YES to the question about the USPS tracking number Proof of delivery ( uploaded below ) she would have seen that the check package was delivered, and the check was either lost/misplaced/not cashed/ or someone was withholding the check. Instead, she said the forbearance period was over and we needed to resubmit new paperwork for the Loan modification. We immediately completed, signed, dated and resubmitted a second COMPLETE RMA application, which we should not have had to do. The requirement to reapply a second time for the loan modification slowed down the process ; THE TELLER NEVER CALLED BACK TO TELL US THE CHECK WAS NOT RECEIVED AND THEREFORE ONCE AGAIN IT APPEARED AS THOUGH WE DID NOT COMPLY WITH THE LOAN MODIFICATION TRIAL PERIOD REQUIREMENTS FOR XX/XX/XXXX. HAD THE TELLER NOTIFIED US ABOUT THE UNCASHED CHECK WE WOULD HAVE MADE AN IMMEDIATE {$500.00} PAYMENT TO BY WIRE TRANSFER OR CHECK. XXXX XX/XX/XXXX, Throughout XXXX and XX/XX/XXXX, we received weekly " courtesy calls from agents who told us that our case is " pending '' and no further information was needed. WE UNDERSTOOD THIS TO MEAN THAT ALL DOCUMENTS INCLUDING THE XX/XX/XXXX CHECK WERE RECEIVED BY. XX/XX/XXXX - THEN we were informed in a letter dated XXXX XXXX that our loan modification was denied due to the alleged missing XX/XX/XXXX payment. I went to the bank immediately regarding the XX/XX/XXXX check for {$500.00}. According to the banks records SLS - THE MORTGAGE COMPANY HAS NOT CASHED THE XX/XX/XXXX CHECK, NOR DID THE COMPANY INFORM US REGARDING THE TRACKING NUMBER PROOF OF DELIVERY AS I REQUESTED OF Teller ID XXXX, NOR DID THE TELLER REPORT BACK TO US REGARDING THE CHECKS STATUS AFTER SPEAKING WITH THE CASHIERS DEPARTMENT. CURE : WE ARE READY WILLING AND ABLE TO IMMEDIATELY PROVIDE THE COMPANY WITH {$500.00} TO REPLACE THE XX/XX/XXXX CHECK THEY DID NOT CASH. WE WILL SEND THE MONEY IN ANY MANNER REQUESTED BE IT PERSONAL CHECK, WIRE TRANSFER, OR CERTIFIED CHECK RETURN RECEIPT REQUESTED USPS MAIL. WE DISPUTE AND APPEAL Specialized Loan Servicing LL.C. 's Inc. DECISION TO DENY OUR FIRST LOAN MODIFICATION REQUEST BECAUSE WE WERE IN FACT COMPLIANT WITH THE COMPANY 'S REQUIREMENTS FOR THE TRIAL PERIOD XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX PAYMENTS. THE LOAN MODIFICATION SHOULD HAVE BEEN APPROVED IN XX/XX/XXXX AND NOT DENIED BECAUSE OF THEIR FAILURE TO CASH THE {$500.00} CHECK. WE APPEALED SLS 'S DENIAL OF THE LOAN MODIFICATION IN A LETTER TO THEM XX/XX/XXXX, PROOF OF DELIVERY USPS TRACKING NUMBER XXXX. ON XX/XX/XXXX - ( Teller ID XXXX ) called us BUT DID NOT PROVIDE THE LEGAL, QUALITY GREETING THAT THE CALL WAS AN ATTEMPT TO COLLECT A DEBT ON A RECORDED LINE, NOR DID SHE ASK FOR MY IDENTIFICATION. WHEN I TRIED TO ASK HER ABOUT THE APPEAL SHE HUNG UP THE PHONE ON ME. SINCE SHE IS OUR DESIGNATED POINT OF CONTACT THIS BEHAVIOR IS ILLEGAL, DOES NOT ALLOW US DUE PROCESS AND IS BIZARRE. I CALLED SLS ON XXXX and spoke with Teller XXXX. HE INFORMED ME HOW TO COMPLETE AN APPEAL AND TO SEND IT TO THE XXXX COLORADO ADDRESS ON PAGE 6 OF THE SLS DENIAL LETTER. I WROTE THE APPEAL AND SENT IT AS INSTRUCTED AND THERE IS PROOF OF DELIVERY USPS XXXX XXXX XXXX ( see uploaded document ). I CALLED SLS AND SPOKE WITH TELLER ( XXXX ) XXXX ON XXXX ASKING FOR AN UPDATE ABOUT OUR APPEAL. SHE STATED WE HAD NO RIGHT TO APPEAL THE DECISION AND THAT WAS NOT THE RIGHT ADDRESS EVEN THOUGH PAGE # 6 OF THE SLS LETTER TO US LISTS THAT ADDRESS AS THE CORRECT ADDRESS IN WHICH TO SEND AN APPEAL. I ASKED HER IF SLS DEPARTMENTS TALK WITH ONE ANOTHER AND SHE SAID " NO ''. THIS CONTRADICTS WHAT I WAS TOLD BY TELLER " XXXX '' ON XXXX. ON XXXX I CALLED AGAIN AND SPOKE WITH XXXX ( TELLER # XXXX ) HE TOLD ME TO CALL BACK NEXT WEEK BECAUSE THE SYSTEM WAS NOT SHOWING ANY UPDATE YET ON AN APPEAL Specialized Loan Servicing LL.C., Inc. IS THE MOST ILLEGAL COMPANY WITH THE WORST CUSTOMER SERVICE WE HAVE EVER DEALT WITH. MOST OF THE REPRESENTATIVES - NOT ALL - CONTINUALLY GIVE FALSE, CONTRADICTORY INFORMATION AND DENY BASIC DUE PROCESS TO THEIR CUSTOMERS. THE COMPANY IS STILL ILLEGALLY HOLDING OUR {$500.00} UNCASHED CHECK AND DENIES HAVING IT EVEN THOUGH WE HAVE PROOF IT WAS DELIVERED TO XXXX COLORADO. THEY WON'T ADMIT THEIR MISTAKE AND ARE USING THAT MISTAKE TO DENY OUR DUE PROCESS RIGHTS TO APPEAL THEIR DECISION AND DENY US A LOAN MODIFICATION FOR OUR HOME. THEY ARE FORCING US INTO FORECLOSURE DURING A WORLD WIDE PANDEMIC. WE ARE SENIORS, I AM XXXX AND THEY ARE KICKING US TO THE CURB WITH NO WHERE TO GO. PLEASE STOP THEIR HEINOUS BEHAVIOR BY APPROVING OUR FIRST TRIAL PERIOD REQUEST XX/XX/XXXX THROUGH XX/XX/XXXX FOR A LOAN MODIFICATION ON OUR ONLY HOME.
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: 2020-04-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A