Date Received: 2020-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent a check to pay my escrow shortage in full, it wasn't received. My bank is aware & will stop payment if it comes through. On XX/XX/XXXX I called & spoke with XXXX at Specialized Loan Services, my mortgage company. I paid my escrow shortage {$330.00}. I had been told previously my payment was still going up, from {$760.00} to {$790.00} even after paying the escrow shortage. My monthly bills kept showing {$820.00}, as if escrow was never paid. I called XXXX XXXX and was told escrow showed as paid, the system just wasn't updated but would be. The regular payment should be {$780.00}.?? I paid what I did last time. XXXX bill arrived, same problem.. XXXX bill arrived and I called on XX/XX/XXXX. I spoke with XXXX. She was very nice & as confused as I was. Escrow HAS been paid!! She transferred me to the escrow dept & I spoke with XXXX.This is when she told me that when they took over my loan in XXXX there was a {$28.00} escrow shortage! it had gone up to over {$50.00} ... I GOT VERY UPSET!! this is the first I'm hearing of it.. From almost 3 years ago!!?? I pay my escrow shortages in full every year!! What the XXXX happened?? I said I was not going to pay for something that happened years ago & I was never informed about.. She said I would get a letter of explanation.. I HAVE RECEIVED NO LETTER ... on my mortgage statements.. XX/XX/XXXX uncollected escrow {$28.00} XX/XX/XXXX uncollected escrow {$56.00} XX/XX/XXXX uncollected escrow {$50.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$45.00} XX/XX/XXXX uncollected escrow {$39.00} I want an explanation why I'm paying for escrow from XXXX How did it go from {$28.00} to {$56.00}??? and what exactly is my real house payment suppose to be??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a XXXX and single mother of XXXX who did not get a XXXX position this XXXX year and have found myself unemployed. I have an FHA loan serviced by Specialized Loan Servicing LLC. SLS has refused to process my requests for mortgage assistance for over 4 months repeatedly asking for documents I have already provided multiple times. They are dual tracking my loan ; have already had an attorney send me a letter to commence foreclosure ; are charging me for monthly property inspections ; charged me for a " title expense '' ; and contacted my homeowner 's insurance company to cancel my insurance because of foreclosure all without evaluating my loan for mortgage assistance. I have thorough documentation of all communication including two audio recordings ( I live in a one party consent state ) with SLS where their automated account system states that my request for mortgage assistance application status is, " pending review. We have received all documentation needed and are currently reviewing the information provided. '' Afterwards, a representative comes on the line to assist me and proceeds to tell me that my application is incomplete and can not be sent for review until I submit more documents that I have already submitted. I have this recording after my first application I submitted on XX/XX/XXXX, and after the second application I submitted on XX/XX/XXXX. Yet SLS still refuses to process my application ( s ) stating both verbally and in writing that they are incomplete. Although SLS has told me they do not offer forbearance of any kind and that I will not qualify for any assistance until my application is reviewed and I have found work and can prove income, I know this is untrue. I have more than proved my unemployment status to SLS including a letter from the XXXX XXXX stating my last day of employment, my FHA Unemployment Hardship Letter, months of bank statements, divorce documents showing proof and amount of XXXX XXXXt, and even cancelled XXXX XXXX checks. I know that I should qualify for an FHA unemployment forbearance and/or loan modification. I mailed a Debt Validation Demand certified return receipt to both SLS and their attorney of record. I realize that I am fighting a war I can not win because SLS is violating every regulatory guideline I have found in addition to their own loan servicing agreements. My children and I are scared that despite my best intentions we are about to be XXXX within the next month. Any assistance you can offer will be most appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70433
Submitted Via: Web
Date Sent: 2020-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2020-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint regarding : Specialized Loan Servicing LLC Mortgage Servicer : Specialized Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Attn : Mortgage Loan Accounting Department Re : Specialized Loan Servicing LLC Loan Account No. XXXX ( f/n/a XXXX XXXX XXXX, XXXX Loan Account No. XXXX XXXX XXXX ) We are filing this complaint to seek remedy for violations of law including but not limited to Regulation X and Regulation Z committed by Specialized Loan Servicing LLC by failing to : 1. respond to our qualified written request ( 12 CFR 1024 ) 2. provide paper or electronic mortgage statements ( 12 CFR 1026.41 ) ; ( 12 CFR 2605 ) 3. provide online access to our mortgage account ( 12 CFR 1026.41 ) ; ( 12 CFR 2605 ) 4. file a change of payment or amount due documents in the Chapter XXXX case On XX/XX/XXXX, we sent Specialized Loan Servicing LLC a qualified written request pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ) ( See also 12 CFR 1024.36, 12 CFR 1026.41 Regulation Z and FRBP Rule 3002.1 ) was sent to Specialized Loan Servicing LLC and remains unanswered to present date. ( see attached Exhibit A XX/XX/XXXX qualified written request to Specialized Loan Servicing LLC ) Prior to our qualified written request, on XX/XX/XXXX, we filed Chapter XXXX Bankruptcy known as Case XXXX XXXX At the time of filing our Chapter XXXX Bankruptcy case, we were not late on any payments and did not have any arrears on any mortgage payments. At the time of filing our Chapter XXXX Bankruptcy case, we did not include any mortgages in our Chapter XXXX plan and remained responsible for making our mortgage payments outside of the bankruptcy case. On XX/XX/XXXX, Specialized Loan Servicing LLC mailed us a notice of transfer of mortgage loan servicing. On XX/XX/XXXX, Specialized Loan Servicing LLCs Agent filed in our Chapter XXXX Bankruptcy Case XXXX XXXX a TRANSFER OF CLAIM OTHER THAN FOR SECURITY providing an address where Specialized Loan Servicing LLC should be notified of filings. On XX/XX/XXXX, we were sent a notice regarding the sale of our mortgage or Home Equity Line of Credit which re-identified Specialized Loan Servicing LLC as the servicer of the loan. On XX/XX/XXXX, we sent Specialized Loan Servicing LLC a qualified written request pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ) ( See also 12 CFR 1024.36, 12 CFR 1026.41 Regulation Z and FRBP Rule 3002.1 ) was sent to Specialized Loan Servicing LLC and remains unanswered to present date. ( see attached XX/XX/XXXX qualified written request to Specialized Loan Servicing LLC ) Although Specialized Loan Servicing LLC has filed into our Chapter XXXX Bankruptcy Case XXXX XXXX, Specialized Loan Servicing LLC has not filed any required notice of payment change or other documents regarding our mortgage payment. To present date, Specialized Loan Servicing LLC has not provided us any paper or electronic mortgage statements. To present date, Specialized Loan Servicing LLC has not provided us online access to our mortgage account. To present date, Specialized Loan Servicing LLC has not responded to our XX/XX/XXXX qualified written request. Although we have not been provided mortgage loan statements, we remain current with all mortgage payments as the records of our electronic payment submissions evidence. ( See attached Exhibit B XX/XX/XXXX Mortgage Payment and Exhibit C XX/XX/XXXX Mortgage Payment ) Accordingly, to prevent further damage and undue hardship, we ask that you remedy this matter in an expeditious manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2020-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: WE ARE BEING THREATENED WITH FORECLOSURE AS OF XX/XX/2020. THE HISTORY OF PROBLEMS WITH SPECIALIZED LOAN SERVICING CAN BE FOUND HERE WITH CFPB. WE HAVE NUMEROUS TIMES REQUESTED TO SEE OR GO TO LOCATION TO VIEW THE ORIGINAL LOAN DOCUMENT THAT SLS SAYS IS BEING KEPT BY A CUSTODIAN AND REFUSES TO NAME CUSTODIAN. WE REQUESTED A NOTARIZED OR CERTIFIED COPY AND WE ARE REFUSED THAT TOO. DURING THIS TIME A FORGED HOME EQUITY CREDIT LINE AGREEMENT AND DISCLOSURE STATEMENT WAS CREATED BY SLS FOR THE PURPOSE OF FRAUDULENT ACTS AGAINST US. AN EMPLOYEE PROVIDED A COPY OF THE FILE BEFORE IT WAS COMPLETED THAT SHOWS THE FILE PRIOR TO THE FINISHED MERGER OF LAYERS AFTER THE RUBBER STAMP IMAGE WAS INSERTED. WE HAVE ASKED FOR AN ATTORNEY TO CONTACT US FROM SLS AND THEY REFUSE. WE CONTACTED AN ATTORNEY LISTED BY THE STATE OF COLORADO AS WITH SLS AND HE DID NOT CONTACT US AS WELL. WE HAVE OTHER EVIDENCE TO SUPPORT THE ACCUSATIONS OF FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-01-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I'm in the process of losing my home due to less income and death of borrower. I have reached out for over an year for help. Filled up for several mortgage assistance and keep getting turned down. I currently owe {$32000.00} after trying to resolve the matter. ( to bring current ). Specialized Loan Servicing is not trying to assist but take my home of 40 years. I have sent in several documents that always come up missing or unreadable, so I have to send again. This loan was transferred in XX/XX/2019 and I have been trying to resolve the matter. I keep getting told the investors doesn't want to invest. I have sent in several documents showing my hardship and my plan of action going forth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2020-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is with Specialized Loan Servicing, LLC. ( The original loan was with XXXX in 2006. It was sold to XXXX XXXX and then to SLS. ) Since XXXX, 2006, we have made payments of {$610.00} per month, for a total of {$91000.00}. Of that, approximately {$17000.00} has gone on the principal and approximately {$74000.00} has gone on interest. There is an adjustable rate, but it has essentially remained at 10 %. The current outstanding balance is {$60000.00}. I recently contacted SLS about paying off the mortgage early for a reduced amount. It's a 30 yr mtge, so I still have about 16 yrs to go. Since I have already paid more on interest than I actually borrowed, it seems reasonable that they could reduce the payoff amount to {$30000.00} or {$40000.00}. SLS, however, does not see it that way! I apparently did not understand that this was set up in such a way that would involve paying back more than THREE TIMES what I actually borrowed! That is totally unfair and unethical. Please tell me this can be resolved in my favor. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 717XX
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: S L S is attempting to foreclose with a fraudulent assignment. My loanWas originated with XXXX XXXX XXXX the loan is toxic and was And was a part of the XXXX XXXX settlement that I have asked for proof of claim I have also submitted QWR. Neither XXXX XXXX or S L S have responded to my concerns are disputes. The assignment was created after the cutoff date of the trust which is found in sections 201 of the trust Nc2 2006 -NC2 for XXXX XXXX XXXX XXXX is serving as Trustee. This same trust as been before the courts many times for mortgage fraud and wrongful foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2020-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took a mortgage in XX/XX/XXXX, I bought my house through a company called XXXX XXXX XXXX, they sold the loan to a company called XXXX XXXX XXXX they report me on the credit report at XX/XX/XXXX. in XXXX another company report me to the credit report that called XXXX XXXX XXXX XXXX. now the situation I have on my credit report two mortgage loans two companies claim my loan. - what I did? 1- I called XXXX XXXX XXXX they inform me that they will sold the loan to XXXX XXXX XXXX XXXX. on XX/XX/XXXX not in XX/XX/XXXX and they collect my payment until XX/XX/XXXX. 2- I called XXXX XXXX XXXX XXXX. they claim that they own the loan from that date and they able to report me to the credit bureau since XX/XX/XXXX. - current situation : 1- two company claim my mortgage 2- because of the big amount reported to the credit report my credit score went down XXXX point. 3- I can't take any loan because of the big decrease in my credit score.
Company Response:
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2020-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I initiated a payment through my bank 's online bill pay feature ( XXXX XXXX ) on XX/XX/XXXX. I decided on XX/XX/XXXX to try to refinance the mortgage with a new company at a lower interest rate. During the application process, I discovered that my XXXX payment was not reflected on my mortgage. I called the mortgage company XX/XX/XXXX ( the first day they were open after a weekend and XXXX day ). They advised I'd have to send proof of payment and non-refund. I printed out entire banking history from my account for all of XXXX and XXXX, provided them with a bank statement covering the period of time in question, a transaction history of all the payments made to them for the past 2 years. I emailed all of this information to XXXX per the instructions given to me on the phone on XX/XX/XXXX at XXXX XXXX. Then I contacted my bank and the bank verified that it was made and had not bounced back for any reason. The next day ( XX/XX/XXXX ) I called Specialized Loan Servicing to verify they had received my information and that they would be working on finding my payment. They said they did receive the information and their turn around time was looking like 55 days. I told them that this is unacceptable and that this would require me to make 2 more payments and have them held in suspense or at least partially in suspense because the payments would cover a full month owed for XXXX now that late fees had been accrued. I advised them that I was trying to refinance my mortgage and that this would be detriment to me as negative marks on my credit for a late mortgage payment. I asked to speak to a supervisor and was told that wasn't possible. From there I was told they would do what they could to advance my issue to a supervisor and the cashiers department who would be investigating my claim. This was XX/XX/XXXX. I have called twice daily since that time and been told by each person I've spoken to that they will escalate this to a supervisor and the cashiers department, but as of the time of the phone call nothing has changed. In the meantime, the collection letters and phone calls have started coming in and the notice of my rights to payment counseling. This is insulting. My credit score is nearly 800 and I pay my payment 5-10 days early every single month. I am now accruing additional interest charges through no fault of my own, and no one will let me speak to anyone other than the customer service people. Today ( XX/XX/XXXX ) I was told that I didn't submit my information until XX/XX/XXXX which didn't match the email I sent XX/XX/XXXX, so I expressed my displeasure with their inaccurate record keeping. Also, on XX/XX/XXXX, I did compose a letter explaining to them that this was tortious conduct and that I would be retaining an attorney in 3 business days if this was not being remedied sufficiently. After my call today ( XX/XX/XXXX ) I was told " That's the chance you take when you make an online bill payment ''. In the 25 years that I've been using my bank 's online bill payment, NOT ONE time has a payment been late or gone missing. Again I stressed the damage that is occurring to me with added interest and late fees. How can I send a XXXX payment that will only be held in suspense because it doesn't meet the total due for XXXX? The snowball is now rolling down the hill and this will become ugly quickly. I need help, PLEASE!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44129
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A