Date Received: 2020-03-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred to SLS from XXXX in XX/XX/2019. Per RESPA, SLS never provided information regarding a fee they claimed was on my account, that I disputed. Yet they immediately threw my phone # on to their " Robo-call '' phone queues. Calls continued, even after I revoked call consent. Calls reached the point where I had to file a TCPA ( Telephone Consumer Protection Act ) suit against SLS. SLS continues to misapply payments. Their escrow dept nearly caused my homeowners insurance to lapse. Their customer service team refuses to speak with me because I hired an attorney for the TCPA suit. SLS shut off my online account access. As of XX/XX/2019, SLS has not sent me monthly mortgage statements. These are additional RESPA violations. Given that SLS 's customer service dept will not communicate with me, I have escalated the matters via direct email communication to XXXX XXXX ( SLS Sr Vice President ), XXXX XXXX ( VIce President - Customer Insight ), and XXXX XXXX ( SLS Vice President ). I will continue to add email new direct management contacts and file complaints. I also strongly encourage any and all who are forced here by Specialized Loan Servicing 's business practices to speak to a consumer rights attorney regarding both RESPA and TCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49503
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid my mortgage payment of {$1200.00} on XX/XX/2020 electronically, the same way I do every month. On XX/XX/2020 I received a call saying my payment was late, and had not been received. I talked to their representative who told me they show receiving the paymental on the XXXX but sent it back to me on XX/XX/2020. They told me a supervisor would contact me. After many attempts I was able to speak with a supervisor 1 time, she told me the account number they sent the money to did not match the one I sent it from. She also said that to the best of her knowledge, it didn't look like it was sent anywhere. She requested a copy of my bank statements for the month before and all time since the transaction. I did this and also had my bank send copies directly at a later date. They side they received them and have promised to have a supervisor get in touch with me but I have never heard from one again. I have contacted the company many times over the last 6 weeks and gone through this with each associate I have spoken with but have had no resolve and have not gotten any response from a supervisor since. I paid XXXX 's payment because I don't want to get behind, it was received normally without problem but they credited it as XXXX payment. So I have informed them I will not pay again until they get my payment of XX/XX/2020 credited to my account with all associated interests paid and any late fees removed. They are now harassing me for " XXXX 's " payment but refuse to resolve their mistake. They told me they show that neither myself nor my bank ever requested a return of funds and that they don't understand why they would ever return a payment especially 11 days later. But right now they sent {$1200.00} somewhere and claim it was me. It was not me and don't understand how they can hold me responsible. It was their error. They received my money, they admitted that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53221
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan is thru SLS loan # XXXX Court Case # XXXX thru XXXX XXXX IA I fell behind on my loan payments after the unexpected death of my X husband XXXX XXXX XXXX in XX/XX/XXXX. My child support payments stopped after his death. Then on XX/XX/XXXX my entire WORLD was destroyed by the sudden & unexpected death of my XXXX old son XXXX XXXX XXXX. I was out of work for almost 2 months & I had to pay for entire funeral by myself since his dad had already passed. XXXX left behind his XXXX old son XXXX XXXX XXXX. His mothers rights had already been severed I adopted my grandson another expense I had to cover by myself. I contacted SLS to apply for a loan modification. This process was a DISASTER never did I speak to the same person when I called. I received letters almost monthly they were ALWAYS changing my contact person. So every time I called I got a new person & new story. I always sent in my paperwork they requested. Then I would call to follow up & whom ever I got to talk to that day would claim items were missing.. I received a letter stating my escrow account was short. Letter stated if I paid the shortage before due date my housepayment would not be increased. I mailed check in ( have proof ) it posted to my account before the deadline. But SLS still raised my houspayment by over {$300.00} per month. They never gave me credit on my statements for the escrow payments. I paid from my bank account 2 additional payments to bring my payments to only 1month behind. They return the funds back to my bank refused to count the over {$3000.00} escrow payment they cashed as part of my housepayments. I then contacted legal Aid XXXX XXXX to help me. He sent SLS a notice of error he sent it certified mail requied a receipt. They received it XX/XX/XXXX XXXX NEVER!! replied back until XX/XX/XXXX AFTER!! they filed the foreclosure on my home. I contacted SLS told them Im getting my home ready to sell They filed the foreclosure right before XXXX. I called them back in XXXX told the IF I invest over {$6000.00} into my home would they let me sell my home. Lady replied yes ITS ONLY PHASE 1 you can sell your home. I had to tell her MARK MY ACCOUNT im investing money into my home to get it ready to sell. I told her I would have it listed by XX/XX/XXXX. I have about {$100000.00} equity in my home. She replied in SMART XXXX TONE I marked your account your selling it. Never heard another thing from them until a sheriff deputy knocked on my door XX/XX/XXXX gave me notice my home had been set for auction for XX/XX/XXXX. I called SLS immediately ask them why did they do this & could I postpone Im selling my home. I was giving the run around & told I needed to mail them a letter. I DIDNT TRUST THEM it took them 8 months to respond to my notice of error. So I emailed their law firm listed on the paper work.. I emailed XXXX XXXX with XXXX XXXX asking them how could I get the sale delayed. She responed telling me I had to call SLS & get them to agree to delay & they would have to contact the law firm to get it delayed. She stated that was the only way a delay could be granted. So I then called SLS ask ( ANOTHER NEW PERSON ) how could I request a delay. He stated I had to go to court house go before a judge & ask him to grant me a delay. I told XXXX YOUR WRONG!! I spoke to your companies law firm they told me SLS is only person who could ask for delay. XXXX replied Im just telling you what Im being told to tell you. I then called XXXX ask XXXX XXXX statement they mailed me ) if I pay the past due balance in full like it stated I could have my loan reinstated as the statement said. I was informed NO we sold your loan to XXXX XXXX. So I called them XX/XX/XXXX was told by them they hadnt received my paperwork yet to call back Monday XXXX & then he said they would have all my information & I could then try & get them to delay the sale that is set for XX/XX/XXXX. I never had a SPOC it was always a different person every month. I never received 31 day letter asking for 1 last chance to bring my loan current to avoid foreclosure. It took them 8 months to respond to my notice of error. And now they have added all these additional lawyers fee to my account all the while THEY DENIED ME MY RIGHTS FOR OVER 8 MONTHS. I as a last resort contacted XXXX XXXX with Hope Now begging for help. He said to file complaint & he would ask XXXX XXXX to delay the sale but they wont even have my paper work until XX/XX/XXXX. What SLS did was ignore me & denied my legal rights thru out this entire process. PLEASE HELP ME STOP THE FORCED AUCTION SET FOR MY HOME ON XX/XX/XXXX & let me sell my home pay off my loan I dont believe I should have to pay 1 legal fee SLS has applied to my loan because they denied me my legal rights thru out this entire process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52806
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: In mid-2014, XXXX sold off its servicing rights or mortgage portfolio to Specialized Loan Services ( SLS ). Since inception, ACH was set up with XXXX to have monthly mortgage payments withdrawn from a designated bank account. When SLS took over from XXXX, SLS failed to properly transition my two mortgage accounts and failed to inform me of any issues with late payment. SLS reported delinquency in payments to the credit agencies. The designated bank account was always fully funded. I have attempted to have SLS correct this error but was given no attention. I have since paid off the mortgages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 108XX
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sold my home on XX/XX/2019. Specialized Loan Servicing in XXXX XXXX CO claims i owe them money. They received the account 6 days after I closed escrow. I keep telling SLS this and they keep trying to collect money from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2020-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Have tried numerous times to get credit reporting corrected with all 3 credit reporting companies no no avail from Specialized Loan Servicing Company. Continuously reporting erroneous information and refusing to submit corrected information to credit bureaus. Due to problems with accurately reporting information that they created due to negligence on their part, selling off our loan in the middle of a government modification program and not reporting that and clearing our account and correctly reporting this. Requested by certified letter dated XX/XX/2019 and received by signed return receipt dated XX/XX/2019 for the following that we have NEVER received : 1 ) copy of original deed of trust 2 ) Original signed promissory note 3 ) all transferred documents from XXXX XXXX XXXX that was sold XX/XX/2019. This company refuses to provide requested information and simply sends a form letter to keep the information on our credit report without providing proof of the investigation that was made. We have been told that we must hire legal council to supeona our records to view what Specialized Loan Servicing sent to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 970XX
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 specialized loan servicing LLC reported to my credit that I was behind a payment even though I have never missed a payment I never received a letter letting me know about this problem I was notified by XXXX XXXX I called them to see what was going on they said I was behind {$280.00} but they didn't know why they said they would look into it and after many phone calls and hours and hours on the phone being bounced from one person to another after two months of this I Findlay got a lawyer involved on XXXX me and him were on the phone with with them for a hour and forty eight minutes they still couldn't figure out why I owed the money then a day or two later they sold it too XXXX XXXX XXXX XXXX and they took over my payments as of XX/XX/2019 but it was reported to them I was behind but they also not informed why so I spoke to them late XXXX early XXXX about this and they said it would take 60 days for them to go over all the stuff they received from previous mortgage company after they looked over everything they didn't have a answer why so they had me send in my proof of payments and they looked in to it now they said they figured it out that specialized loan servicing LLC decided there was not enough money in my escrow account so they took it from a principal payment and put it in to escrow account with know notice to me I never missed a payment I can't see how this was my fault they miss calculated and chose to fix it with out letting me know there was a problem I am XXXX and can't afford to make extra payments for a mistake specialized loan servicing LLC made
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 161XX
Submitted Via: Web
Date Sent: 2020-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I renctly refinanced and had my original mortgage paid off. I saw after it was paid off and my old escrow was returned to me the original servicer paid two payments to PMI. I called and asked about thia and they said that was normal. However i went bacl and read the docuuments from the original closing. I can't find this charge anywhere if i refinance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01020
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am writing about Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX XXXX www.sls.net ). Unfortunately, my mortgage was sold to them from XXXX XXXX. They are very difficult to work with, they commit acts of fraud, and they do not answer their phones. I changed my automatic payment to a new bank toward teh end of XXXX. The website said it would be effective one month later or XX/XX/XXXX. Since the auto payment would not draw process for a month, to ensure I was not in default I made a one time payment. They then auto-drafted a payment for XX/XX/XXXX which was told by their website would not happen for another month later. I now paid my mortgage payment twice in a month causing me extreme financial hardship. I contacted them and actually got a representative. They said they would put through a credit. I never got a credit on my checking account but now they show a credit on my mortgage balance. They have stolen {$1300.00} from me. I tried to contact them and I continually get through the several minutes of " account authentication '' to be disconnected. This mortgage servicing company MUST be investigated for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: RE : Specialized Loan Servicing XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX My acct # XXXX My husband & I borrowed a 2nd mortgage from the above listed lender in the amount of XXXX in XXXX. This was d/t my husband 's near death experience & our massive medical bills. We were able to make a few payments but eventually had no funds to pay for the 2nd mortgage. In XX/XX/XXXX, my husband died suddenly or unexpectedly. I was scammed & mistreated during this period. I put our Condo on the market to be sold. It sold in XX/XX/XXXX. Near closing, I was informed by my attorney 's office, Specialized Loan Servicing company would take XXXX for payment owed. I was perfectly fine with this. But the attorney added, they will also be taking XXXX in interest, and late fees as well. I called the company and my Realtor called to beg this company not to do this, as it would leave me financially distressed. I closed on the Condo and took away XXXX from the sale. I'm a new widow. I'm scared. My husband is dead and gone forever. I'm also XXXX and try to work, but it's extremely difficult. I KNOW this company was informed of my XXXX & financial hardship. I lost. They got their money. I want the media to know this is a Predatory Lender. Don't borrow from them. This is so cruel and unkind. They didn't have to destroy me. I really want ppl to know what they did to me after the recent loss of my spouse. Please help me. I can be reached at : XXXX or XXXX. Please be aware I have contacted XXXX of Colorado. They are investigating the matter. I have not heard anything specific yet from the XXXX. Thank you. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A