Date Received: 2020-04-02
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 IS ALSO UPLOADED AND WAS INCLUDED IN THE APPEAL PACKAGE WE SENT TO SLS USPS PROOF OF DELIVERY XXXX XXXX XXXX XXXX US. 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 , XXXX 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 XXXX 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
Date Received: 2020-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was recently sold to CMC Funding, held by Specialized Loan Servicing Holdings LLC. No paperwork has been sent to me even identifying my new loan number, let alone what my monthly payment amount is. In the first month, I was able to connect by phone after 15 days, during which the company was simply unavailable via phone or web. I made my mortgage payment via phone, and was promised paperwork. Still with no paperwork other than a legal boilerplate document stating the name of the new loan processor ( still no loan number or amount ). I have now tried via both web ( where I must have my loan number to set up an account ) and phone ( where I have been placed in a queue and told that I would receive a callback within 24 hours ) for days, and can not get through to this company. I can not pay my mortgage, don't know my loan number and have no recourse whatsoever. This is intolerable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX To : Specialized Loan Servicing LLC Re : Correction of XXXX XXXX XXXX transfer statement balance due as of XX/XX/XXXX & all monthly misapplied payments to Home Equity Line Of Credit account Account was transferred with incorrect past due balance from XXXX XXXX XXXX To Whom It May Concern : This is our 6th notice and request to correct our account past due balance to XXXX. This debt is not valid. XXXX XXXX XXXX ( XXXX ) has confirmed on XX/XX/XXXX and admitted to the errors of misapplied monthly payments, past due balance, late fees and that all our payments were made on time. XXXX stated that our account was not delinquent as of XX/XX/XXXX. XXXX stated that they will be reporting corrections to the credit bureaus and new servicer, Specialized Loan Servicing in writing. Attached is XXXX supporting documentation. Supporting documents are also attached to show Specialized Loan Servicing ( SLS ) continued collection efforts and incorrect reporting of our monthly payments. Our monthly payments paid to SLS are continued to be misapplied. Please make all the necessary corrections to our account : Correct all misapplied monthly payments ( XX/XX/XXXX to current ). Monthly payment should be applied as part principal and part interest. All monthly payments were made on time before and after loan transfer. Correction of all late monthly payment history from late to current on all credit bureaus ( XXXX, XXXX & XXXX ) including but not limited to monthly payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. XXXX XXXX XXXX ( XXXX ) has corrected XX/XX/XXXX delinquent payment error on our credit reports. However, Specialized Loan Servicing ( SLS ) after receiving corrected information from XXXX has not made any correction to our monthly payment history on our credit reports. For example, as of XX/XX/XXXX, our XXXX reports still show incorrect late payment history by SLS although SLS has noted on our credit report as issue being resolved. Resolution means that that there is no past due balance or delinquent payments. All monthly payments were made on time. See attached our XXXX reporting posted by both SLS and XXXX. Since there is no past due transfer per XXXX, SLS must correct our monthly past due balance to XXXX and correct all our year to date principal and interest statement balances. As of XX/XX/XXXX, SLS continues to show incorrect past due balances, late payments and misapplied monthly payments To date, SLS has ignored all my requests and information supplied from XXXX to correct our misapplied monthly payments. I have sent multiple written notices to SLS office dated from XX/XX/XXXX to XX/XX/XXXX. SLS continues to report incorrect late monthly payments on our credit reports, damaging our credit payment history and credit scores, making numerous erroneous collection calls ( days, nights, week days and week -ends ), sending erroneous delinquent notices, and ignoring XXXX XXXX XXXX loan history transcript documenting reporting corrections. Whenever I speak to a SLS collection representative, there is always an inaccurate update of my case. The reps always made the comment that their Collection department has not received any updated information. Again, with XXXX correction of misapplied monthly payments and XXXX past due balance transfer, please report corrections to all credit bureaus that our payments to SLS were current and paid on time ( not late ), correct all monthly misapplied payments and correct our current past due balance to XXXX. Thank you
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: 2020-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2020 I received a letter in the mail from Specialized Loan Servicing ( SLS ) stating they got notification from my Insurance Company regarding Cancellation or Non Renewal of my Homeowners Insurance Policy so I called them on Tuesday XX/XX/2020. A lady in the Escrow department said when my loan came to them the " Insurance '' portion was not placed into escrow ( which is not correct ). She stated she would do an Escrow Analysis right away so she took my Insurance Agent information and said she would contact them to let them know payment is coming. On Friday XX/XX/XXXX I called my Insurance Company and they confirmed my policy had cancelled effective XX/XX/XXXX. I was also informed that no one from SLS had contacted them. That Insurance Representative took my Mortgage company information and fax number and sent SLS a reminder that payment is due asap for my Homeowners policy. Today XX/XX/2020 I called SLS again. I was told they need to do an Escrow Analysis and my payment would increase which it should not but if it does to me it would be a small amount because the escrow I currently pay is more than enough to cover both taxes and insurance. My annual taxes is {$4700.00} and my escrow payment is {$470.00} per month. The Insurance renewal is {$1000.00} annual. The Representative XXXX invested more time in telling me that my payment would increase then looking into why nothing has happened since a week ago when I called SLS. She could see notes that I called in and an Escrow Analysis would be done and the Insurance Company would be contacted but she said she would have to do the same thing. When I asked why nothing has happened in a week she said she didn't know. Keep in mind that my Homeowners Policy has cancelled and I have no coverage on my home yet I'm paying for it every month in my mortgage payment. I called twice to my lender and was not only treated poorly especially by XXXX but I have no assurance that anything is happening to fix the issue and get my Homeowners Insurance paid. And by the way I got their letter on Sat XX/XX/XXXX and it stated that if I don't get some insurance by XX/XX/2020 they would get Insurance for me and add it to my monthly mortgage payment but they are the ones who has my Escrow account. Why didn't I get notification sooner? Please I need your help. The Insurance Agent told me if my Homeowners Payment isn't received by XX/XX/2020 my Homeowners Policy can not be reinstated without a break in coverage which could increase my insurance rates. Thank you.
Company Response:
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2020-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2020, Specialized Loan Servicing ( SLS ) assured us verbally and in writing that they would flag our records, so that SLS would suspend the foreclosure process. We were assigned a Relationship Manager that continued to tell us that they would work with us " until all available mortgage relief options have been exhausted. '' We have remained in close contact with SLS since that date. On XX/XX/XXXX andXX/XX/2020, we received the amounts for payoff and reinstatement from SLS.respectively. Since that time, we have actively pursued any/all options to address this 2nd mortgage with SLS, again, keeping them informed of our activities pursuing lenders to either payoff the 2nd, or completely refinance the 1st and 2nd. We successfully found a lender to work with us at the beginning of XXXX and informed SLS of who the broker and lender was to reflect our ongoing efforts. Again, SLS assured us that they would work with us and to not worry about them continuing with the foreclosure process. On the exact same date ( XX/XX/2020 ) that our title company requested payoff information from SLS, they initiated the paperwork to record the notice of default ( recorded on XX/XX/XXXX ). This has now completely suspended work on our already approved loan. Our appraisal has been completed, we have a certificate of loan approval from the lender, and were 10 days from closing our loan. SLS chose to file the Notice of Default knowing that we were pursuing this loan, and although we have been transparent with our communications to them, they have acted maliciously near the end of our loan closing to hamper our ability to obtain our funding. We have requested SLS to remove the Notice of Default long enough for us to close our loan, but they refused. We are requesting CFPB to assist us with SLS as it appears that they will continue to take advantage of us as we attempt to end our mortgage with them. We want SLS to remove the NOD for 30-60 days, so that we may complete our loan. Please note that our original loan in XXXX was {$25000.00}, reinstatement amount is {$35000.00} as ofXX/XX/2020, and the payoff amount is {$56000.00} as of XX/XX/XXXX. We question the payoff amount being over {$21000.00} over the reinstatement amount as well. Thank you for your support and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94590
Submitted Via: Web
Date Sent: 2020-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
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: Specialized Loan Services Has told me they have Removed 3 Late Payments which still show on my Credit Report. Says I was late in XX/XX/XXXX when Payment was made with XXXX XXXX on XX/XX/XXXX and Shows on there Statement as receiving on XX/XX/XXXX. The next one Shows I was late in XX/XX/XXXX and Shows with XXXX XXXX was paid on XX/XX/XXXX and Paid with sls on XX/XX/XXXX. The late one Shows I was late in XXXX which shows the payment was made with XXXX XXXX on XX/XX/XXXX and sls Received this on XX/XX/XXXX. After speaking with several reps and writing in emails which I have kept was told these will be taken off my Credit Record within 60 Days. This was also on a recorded line. Also the last email I got from them I had Printed out and now has disappeared from there web site which they claim all messages will remain in message center for one year. I also was on a recording line everytime I talked to a specialist about it and each one said it would be taken off. The last rep I talk to was XXXX number XXXX on XX/XX/XXXX About this and she assured it will be taken off Credit Record This was time sensitive I have sold my Home on XX/XX/XXXX and now because of sls I am Homeless for failing to report my credit correctly and I asked Her if she could give my a Letter Head and with my Name on it with account number and will be removed She said it would not be a problem seeing it was going to be taken off. XXXX with sls also promised to call me back on XX/XX/XXXX between XXXX and XXXX which were all on a recorded line and never received a call back. She said it would not be a problem to do it. The email I sent them on XX/XX/XXXX Was Hi on XXXX XXXX and XXXX I had disputes on Late Payments and they all have shown Resolved but but have not been taken off the Credit Bureaus. I was able to talk to a Company Rep which informed me they will be taken off and still appear on my Credit Record My Wife and I sold our home And our Closing Date is the XXXX of XXXX. I cant get into my New home until these items are removed. I also want to give authorized Permission for the Credit Bureaus to contact you. I have tried several times leaving my number with no one calling back. Can we please take care of this matter promptly. This was SLS response. Thank you for the inquiry. After a review of you account, we show that on XX/XX/XXXX your credit reporting was corrected with the credit Bureaus which can often take up to 60 Days to reflect on your Credit report. SLS does not have the capability to expedite this turn around time as it is out of our control. If you'd like to add Credit Bureaus as Authorized Third Party on your account please send a web inquiry with which specific agency you'd like to authorize. Thank you, XXXX XXXX id XXXX so after this two of the Three Credit Bureaus have called and they told them they are not taking them off. This is just straight up lies does everyone one who works for this Company report the facts and not cause so much grief in my Life and Hardship can you please help me with this???? Please I'm at your mercy now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34654
Submitted Via: Web
Date Sent: 2020-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Last XXXX, I think, as I have yet to received any written notification, XXXX XXXX XXXX transferred servicing of a small HELOC I had on an old home of mine. I think the transfer was to occur in XXXX. Both Specialized Loan Servicing ( SLS ) and XXXX XXXX XXXX used an address I had not lived at in over 16 years to notify me. Bottom line, it took SLS 4 months to find me and effect the transfer. Because I was never notified, I continued to pay XXXX XXXX XXXX through their auto Bill Pay program. Without going into a long story, because Im XXXX XXXX, and due to my many XXXX overseas both before and after I XXXX, my son has taken care of our rental property starting in XXXX. I was with XXXX XXXX from XXXX to XXXX so I no longer had a stateside number. That is why I have always included my sons phone number on all my accounts. SLS had this number all along but SLS 's representative stated Specialized had no record of ever calling my son until XX/XX/XXXX of this year. Once notified, we verified the transfer with XXXX XXXX XXXX, and we paid SLS the money owed. XXXX XXXX XXXX, unbeknownst to us, had been returning our payment with only an alpha numeric code number we failed to recognize. SLS subsequently put a 120 day late on my credit report. I have been with XXXX XXXX XXXX for over 25 years. A simple phone call to them would have resolved this 4 months prior. Or, sending a certified letter would have produced my contact information. I would appreciate your looking into this matter for me and removing the 120 day late on my credit report. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2020-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX transferred our mortgage to Specialized Loan Servicing in XX/XX/XXXX. From then on they reported me late to credit bureaus and will not correct it, even though I have proof that I am not late. I have requested SLS several times to correct it. We can not refinance or purchase anything. I have filed with the credit bureaus more than once. Still not corrected. All payments were mailed in the month due and have usps receipts except XX/XX/XXXX which was paid online and have receipt for same. They misappropriated funds in our escrow and claim we will get a refund, but have not and then want us to mail it to mail.
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: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: They paid almost {$1700.00} our of our escrow and misapproriated the funds. They claim we are getting a refund from whoever they sent it to, and then want us to mail it to them even though we should be overpaid on our escrow. They had over {$2000.00} transferred from XXXX XXXX, our payment is $ XXXX+ and we've been paying {$1200.00} & {$1200.00} & {$1500.00}, so the difference is in our escrow and they should have only paid out {$700.00} plus {$3300.00} for taxes and insurance. Where is our money? Who is using it?
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: 2020-03-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-03-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2020 I mailed a Notice of Error letter to Specialized Loan Servicing ( SLS ), pertaining to my annual mortgage escrow statement which SLS was over charging my about {$50.00} a month. The escrow annalist I received from showed that I had a overpayment of {$2.00}. I would like SLS to show me how they Calculated a {$2.00} overpayment when SLS was over charging me every month. Today date is XX/XX/2020 and I have yet to get a response from SLS analogizing my Notice Of Error Letter. I understand upon receipt of that letter SLS has 5 business days to respond to that said letter. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21502
Submitted Via: Web
Date Sent: 2020-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A