Date Received: 2020-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage servicer switched loan number after we closed on the house so first 2 payments were sent AND accepted by servicer but to old account number. They have been given bank records and acknowledged the bank records showing proof of payment. Now they are have collections call us threatening foreclosure even though they accepted all payment for all months 0 missed and can not figure internally how to merge the payments into a single account. We followed the rule and made payments on time and they are trying to get double payment.
Company Response:
State: CO
Zip: 80921
Submitted Via: Web
Date Sent: 2020-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A short sale was approved on XX/XX/XXXX by SLS Servicing LLC. The second mortgagee, XXXX XXXX, approved the amount they will receive on XX/XX/XXXX. SLS Servicing required the short sale to close on or before XX/XX/XXXX or the short sale agreement was voided. The problem is that the earliest date that the Chapter XXXX bankruptcy judge set for the review is XX/XX/XXXX. This action is putting me at risk of losing the buyer of my home. I am concerned over SLS Servicing looking for a reason to just foreclose on my home. SLS recently denied an extension of the closing date. They stated that the appraisal, that was performed on XX/XX/XXXX expires on XX/XX/XXXX. Before the court date. They are incorrect. It is standard in the mortgage industry that an appraisal valuation is good for 6 months. That would be until XX/XX/XXXX. Every request to extend and try to work this out is denied by SLS Servicing. They are causing a lot of unneeded stress on me and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My complaint is about the {$3700.00} in fees assessed to my mortgage. As you know, these fees were assessed by a predatory lender who is the subject of multiple complaints. Shortly after the bailout, I contacted my mortgage servicer for assistance as my mortgage payments were late and I was close to foreclosure. Although I made several attempts to obtain assistance by applying online, my mortgage servicer claimed to have not received any information from me, this happened several times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The NCDOT took part of our property through eminent domain sometime in XX/XX/XXXX. We had not reached a financial agreement so they deposited their initial offer of {$55000.00} into an account at the Clerk of Supreme Court in XXXX county NC. We have tried to get our money from the Court but have been unable to do so because our Mortgage lender ( Specialized Loan Services, " MERS '' ) will not release the funds. They claim to only want {$13000.00} of the money but we have not been able to get them to sign the paperwork needed to make this happen. They are charging me their attorney fees XX/XX/XXXX, {$140.00} of which we paid with our XXXX payment. Then they charged me again {$160.00} in XX/XX/XXXX for attorney fees. This I have not paid. We would like this money to pay off this lender but it seems to not be feasible. We have been paying interest on this {$55000.00} for almost 2 years and we should not have had to. We hired an attorney to represent us with the DOT on XX/XX/XXXX. He has been the one trying to get MERS to settle but has been unable to have any headway. This is his last e-mail to us. Date : XX/XX/XXXX at XXXX XXXX EST Subject : RE : DOT v : This email is in response to you recent phone calls and emails. I understand your frustration with not being able to get the deposit. This is a lender issue. Specifically a MERS issue. Neither DOT nor I created this problem. So, yes, as I have said before, you can go pay off the loan currently being serviced by MERS and that may indeed be the quickest and easiest way to get the deposit from the Clerk of Superior Court. Once you pay them off and they cancel the Deed of Trust then the entire deposit will be payable to you. If you do this please let me know and get a letter of satisfaction from them. In the meantime I am working with DOT to get the judgment signed by MERS. I will need to get your signature to the consent judgment in the near future and will let you know when to come by and sign it. Attorney and Certified Superior Court Mediator PO Box XXXX XXXX Telephone Facsimile
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27284
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I make my total mortgage payments ( $ XXXX/month ) paying {$320.00} bi-monthly when I get paid. I have been paying my mortgage like this for almost 2 years. Received a letter threatening foreclosure from my mortgage company claiming I am behind in my payments. I can submit proof I have NOT missed ONE payment ever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32757
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I took out a home equity line from XXXX XXXX which was originated and serviced by a third party on their behalf. Everything was fine for some time but then I noticed an approximate $ 10k increase in the account that was not accounted for. I repeatedly tried to get information on it through their online system and through talking to them on the phone. I requested a copy of any proof of disbursement and they would instead send me statements or other stuff that wasn't what I asked for. Each time I was told it would take a while to fulfill my request so months would go by and I would receive nothing or I would receive something I hadn't asked for. Eventually XXXX moved the servicing around so I could no longer get into that system and had to track down who was servicing the account. They also didn't process a change in address I had provided so they were not mailing to my new address. As I was disputing the balance with them, XXXX sold the servicing again and I received two different letters one saying it was sold and then another saying it wasn't but then started getting messages from Specialized Loan Servicing. I tried to talk through the issue with them and got no response until I finally reached out to their president. I let him know of the dispute, the fact they were violating my FDCPA rights trying to collect without addressing the dispute and violating my FCRA rights reporting it as not paid when in fact I had been making payments to XXXX and disputing the balance. The President of SLS said he would have someone look into it but nothing was done until I repeatedly reached out to him. At that point they again kept sending me documentation that wasn't what I asked for and informed me that XXXX had not provided them with the full documentation for the file. I went to XXXX noting that someone needed to get me the proof of disbursement or I was going to report all this to the CFPB and they informed me that the third party they had originating and servicing the loan did not have full documentation for my loan and a number of others. I requested the $ XXXX be credited back to the loan and XXXX said they could not do that because they sold it. I informed the President of SLS about what I found and he went silent. I also asked him about a payment I made which was returned to my bank and he said he would look into that. He's never gotten back to me although I've reached out to him a number of times and no response. Someone named XXXX from their escalation department called me while I was out of the country and I returned her call but she is not returning my calls and no one at SLS is doing anything to address all this but still has collection people calling me in violation of the FDCPA. Further they continue to report derogatory information on my credit bureau and even reported to the credit bureau they had resolved the issue with me which is clearly not the case. They have had a huge negative impact on my otherwise stellar credit report which has caused significant financial harm to me as a result of the violations of XXXX and SLS of my rights under the FDCPA and FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50263
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX mortgage sold to Specialized Loan Servicing XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX coupon arrived stated {$0.00} due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX XX/XX/XXXX mailed payment {$1900.00} for due date XX/XX/XXXX. XX/XX/XXXX started getting harrassing phone calls for missing XX/XX/XXXX Payment. XX/XX/XXXX spoke to XXXX, he saw i was up to date on payments, saw payments went into Escrow account, which i did not have set up, but that is why i was showing no payment and getting late fees. opened tickets resolved XX/XX/XXXX. XXXX realized no coupon arrived called XXXX, saw same problem money in Escrow account, but i was up to date with payments. opened another ticket.my account was flagged as being delinquent and my credit score taking bad hits. another late charge XX/XX/XXXX asked for Supv as 3 times before never called back. XXXX called saw agent errors their part need to research. She saw a lot of documentation and needed to read would call back on XX/XX/XXXX XX/XX/XXXX no call back from XXXX, i called and still no call backs No coupon received to this date for payment due XX/XX/XXXX and was " mailed '' on XX/XX/XXXX. They are a Debt Collector and delibertly trying to get my account to default and blame me when they messed up the account from day 1 but telling the system to put my payments into escrow and not towards my payments. They are totally trying to destroy my credit and charge extra fees just to make a profit. They do not care to fix the problem they started but want to take over your home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC ( SLS ), owned by an Australian-based company, XXXX, conducted a non-judicial foreclosure sale on my property on XX/XX/XXXX during a forbearance agreement and could not validate if the loan was in default at the time of the nonjudicial foreclosure sale, rescinded the non-judicial foreclosure sale due in part to a complaint filed with the CFPB ( case number XXXX ), and offered a loan modification in XXXX. However, SLS, the servicer and debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ), and the lender, XXXX XXXX XXXX XXXX XXXX, as indenture Trustee, for the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) have not validated the loan balance as requested by Real Estate Settlement Procedures Act ( RESPA ) Qualified Written Request Letter ( QWR ) - Request for Information and Notice of Error pursuant to Section 6 ( 12 U.S.C. 2605 ) despite signing an affidavit under oath in XX/XX/XXXX that the mortgage loan balance is accurate. On XX/XX/XXXX a QWR letter was sent to SLS and a SLS representative verified in a call on XX/XX/XXXX that they did not completely validate the accuracy of the mortgage loan balance from the prior servicer ( s ) in their response as required by CFPD debt violation procedures. On XX/XX/XXXX a second QWR letter was sent to SLS per their request during a conversation on XX/XX/XXXX which is a violation of RESPA Section 6 since they should have validated the mortgage loan balance within 30 days from the XX/XX/XXXX QWR letter or stop collecting loan payments until the error could be addressed. I requested that they stop collecting monthly mortgage payments until they verify the accuracy of the mortgage balance and they did not. I believe that the current mortgage loan balance is well overstated and is causing me financial harm. Also, XXXX can not verify if my mortgage loan is included in the Trust ( i.e, XXXX XXXX XXXX XXXX Callable Mortgage-Backed Notes, XXXX XXXX ) which is in violation of New York Trust Law, SEC regulations and IRS regulations. A XXXX executive signed under oath that my mortgage loan is included in the Trust, but have not been able to provide any evidence. In additional to the violation of RESPA and FDCPA requirements, I believe that SLS and XXXX are in violation of the Dodd-Frank Wall Street Reform and Consumer Financial Protection Act by filing a false and misleading affidavit. They should be able to prove the loan balance owed and prove that the loan is indeed in the Trust. I believe that SLS and XXXX are engaged in unfair, deceptive or abusive acts or practices that violate federal consumer financial laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am submitting this claim involving Specialized Loan Servicing ( XXXX ). From XX/XX/XXXX till JXX/XX/XXXX I was in there 6 month program to catch on my mortgage and which I completed that after paying {$620.00} for six months. And, now there saying I owe additional fees after 7 months of not hearing anything in reference to additional fees, my XX/XX/XXXX payment went from {$580.00} to {$670.00} and while in the program I was told by a agent No additional fees for scheduling my payment by phone and by scheduling my paying on the XX/XX/XXXX of each month while in the program. I stared my regular mortgage on XX/XX/XXXX of {$580.00} and scheduled by phone to be paid XX/XX/XXXX and no agent mention to me about and other additional fees, now I see my XX/XX/XXXX payment has a extra fee of XXXX something dollars after seven months. How could any home owner go 7 months without knowing about additional fees after knowing being told No fees applied for scheduling by phone and scheduling to pay on the XX/XX/XXXX of each month while in the program. I really would like these fees to come off my account because its unfair on my part. Thank for your help and time XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was sold to Specialized Loan Servicing LLC after paying for 13 years to one other company. The new company doesnt report my payments to the credit companies. I had filed bankruptcy but reaffirmed my house. I sent the reaffirmation letter to the new mortgage company but they still wont report my payments to the credit companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48186
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A