Date Received: 2020-01-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In early XX/XX/2019 I filed for a mortgage modification due to being unemployed for a significant period of time. I was told I would be eligible for a loan modification. On XX/XX/2019 I received a letter denying the modification. I was told because I now make to much money. I have offered to repay {$32000.00} of {$39000.00} immediately and start making my mortgage payment with an additional {$800.00} until I am caught up with the payment. I was told that SLS did not have to allow me to setup a payment plan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2020-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was discharged form a Chapter XXXX Bankruptcy on XX/XX/2018 ( Case # XXXX ). I have been receiving notices from a Collection Agency ( XXXX XXXX XXXX ) since the discharge requesting {$67000.00} in payment for delinquent mortgage payments to SLS ( Specialized Loan Servicing LLC ). Although we were in a Chapter XXXX Bankruptcy we continued making mortgage payments to " XXXX XXXX XXXX '' not SLS. I have been told that SLS has placed a lien on my house which has adversely affected my credit. I want to resolve this conflict of information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2020-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX began servicing my mortgage as of XX/XX/2019. Per XXXX, 2 payments were misapplied in XXXX and/or XX/XX/2019. My bill pay history shows that my account has always been paid in full by the XXXX of the month, which is the final date payment is due before any late fees can be applied. I was made aware of the misapplied payment in XXXX and have been working with XXXX, primarily via phone, ever since in an attempt to get the payments reapplied correctly. In XXXX, I was instructed by XXXX to submit a written dispute via e-mail. I submitted that dispute on XX/XX/XXXX and received a letter from XXXX on XX/XX/XXXX confirming receipt of that letter. XXXX has failed to respond to me within the federally regulated time frame. Now they are reporting late payments to the credit bureaus and hurting my score because of their error. I have attached both my letter to XXXX, my payment history from bank account, and my response from XXXX. Thank you for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44221
Submitted Via: Web
Date Sent: 2020-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In 2011 we filed for Chapter XXXX and subsequently an order was entered disallowing the claim which converted this debt to non recourse. The debt was then sold from XXXX XXXX to SLS. SLS is reporting missed payments on XXXX. We contend the loan is non-recourse and these entries should be removed. They were removed via contact by XXXX XXXX and then replaced a month later.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2020-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My problem begin in XX/XX/XXXX I knew I was falling short on my mortgage payments and I immediately contacted SPECIALIZE LOAN SERVICING LLC I at that time was not 3 months behind but knowing my financial position I needed to know what my options were. I forwarded to this company what I could of XXXX which was my monthly installments once received they would apply it in and account called unapplied funds until the full payment was made however as time went on I began to full further behind the company suggested applying for a loan modification which I did and was denied after waiting for their response for weeks. I asked what was my next recourse and was told a REPAYMENT PLAN I forward all the necessary information to them checks stubs monthly expenditures and waited weeks again for them to respond the first offer was XXXX per month as I went back and forth my note becoming more delinquent after their customer service lack of information I ended up signing a repayment agreement of XXXX I was not fully aware because of the inconsistences of each answer I was given as well as the constant threat of foreclosure of my home my first installment payment was XX/XX/XXXX I forward via 4 postal money orders 3@XXXX and 1@XXXX account number on each as well as paid for 2 day certified shipping with required signature as of today XX/XX/XXXX my loan has not been fully credited they place XXXX as a partial payment and XXXX in unapplied funds I've forwarded copies of money orders receipts showing purchasing as well as a copy of the envelope showing someone signed for all for which was stapled together since then I have paid my XX/XX/XXXX payment and will forward XX/XX/XXXX prior to the XXXX of the month I have now been told to go to the United States Post Office and get a copy of my XX/XX/XXXX Money Orders front and back which I have to pay for to show them the Money Orders have cleared this you can clearly see by looking at my mortgage statement it definitely shows where they posted the funds incorrectly today I received via regularly postal mail 2 letters one dated XX/XX/XXXX and another one dated XX/XX/XXXX INTENT TO FORCLOSE ON MY PROPERTY I am at a loss because I signed a REPAYMENT PLAN AND FORWARD IT VIA EMAIL AND HARD COPY XX/XX/XXXX I have not received a phone call and left several messages for a Supervisor as of today I have had only one person who name is XXXX my point of contact be able to find out how the funds were posted after being on my cell phone over an hour he was completely at a loss of why it was posted that way in the time frame of weeks and speaking to some of the rudest folks I am at a loss I've reported these folks to the XXXX XXXX XXXX THE FEDERAL TRADE COMMISSION NOW YOU GUYS CFPB I do not want to loose my house I can barley pay my utility bills and buy food they calculated my repayment on check stubs which included overtime I have tried to explain several times that is not guarantee time I had to borrow at the end of they year for my XX/XX/XXXX payment because of this type of calculation I am an XXXX employee when there is no work we have to go home and no pay where I at now with this is if could not qualify through HUD XXXX XXXX OR XXXX XXXX OR ANY MORTGAGE LENDER FOR THIS TYPE OF MORTGAGE PAYMENT HOW CAN I QUALIFY NOW FOR A XXXX A MONTH HOUSE NOTE on top of everything else I am desperately trying and are making this outrageous payment they do not post to my loan correctly is this some type of SHAM OR FRUAD I need some type of help as soon as possible because as of this point my health is beginning to fall short to this type of collection practice or just misappropriation of funds PLEASE HELP I have copies of every email text and fax I have sent to this company Thank You in Advance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70460
Submitted Via: Web
Date Sent: 2020-01-04
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to hospitalizations and lay-off from work my husband and I were not able to pay our mortgage to XXXX XXXX. XXXX XXXX offered a forbeancence option with 3 payments of {$500.00} each for XXXX, XXXX and XX/XX/XXXX. The mortgage was transferred to Specialized Loan Servicing LLC ( SLS ) at XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Colorado XXXX. We completed the Loan Modification application and the bank certified checks were sent by overnight mail and received by the first of each month for XXXX, XXXX and XX/XX/XXXX. We have tracking numbers proving the overnight packages arrived on time. I spoke with SLS on XX/XX/XXXX ( XXXX ) and asked if they received the XXXX payment. I knew they had because the USPS tracking number XXXX confirmed receipt. XXXX said she would notify my point of contact ( XXXX ) who would get back to me. XXXX did not get back to me. I called on XX/XX/XXXX and spoke with XXXX at XXXX XXXX. She told me at that time that the XXXX payment of {$500.00} was not received according to her software. This is false b/c we both checked the USPS tracking number which proves the check was received. I asked to have a supervisor call me and she said someone would within 24 to 48 hours. No one called. I called SLS again today XX/XX/XXXX and spoke with XXXX. I gave him the certified bank check number for the XXXX payment of {$500.00} My bank said that SLS has the check they just haven't cashed it yet. XXXX ( SLS ) says he will put in a request to find the check. This is the first time anyone has told me that the check was lost/misplaced and it will take 5 to 10 days to find it. He also said a supervisor hadn't called me b/c 48 hours hadn't gone by yet. I am getting the run around from SLS. I need to know if our Loan Modification was approved and what I have to start paying as a mortgage amount. I should not be forced to pay overdue fees b/c we filled out all the application and submitted the application and the three {$500.00} payments on time. I don't understand why SLS is holding the check and not cashing it. Why aren ' t they contacting me with an answer to my question about the loan modification. Something is fishy here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2020-01-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband & I have been having ongoing issues with Specialized Loan Servicing, all summer long we were in contact with the attorney generals office, consumer complaints, finally they agreed to a loan modification which lowered our monthly payment, we make payments on time, money has come out of our account every month. As of two weeks ago we received a statement saying we were in default, we have emails, bank statements, canceled checks to prove our payments have come out our account, since this statement two weeks ago we have not been able to communicate with anyone from this company, I recorded the calls & everytime we have called we are told to call back in 30 minutes as the office is currently closed for a company meeting. We have never recieved a foreclosure, they are claiming we are a year behind on payments, nothing makes sense @ all, our monthly payment comes out of our checking account. Our money is going somewhere & apparently not on our mortgage. We are trying to refinance to get away from this company, we dont wan na lose our home, & it is also ruining our credit. We have spoken to a loan officeXXXX that is more than willing to help us resolve this issue, & your company Conumer financial protection was highly recomended, If we can get SLS to take the credit marks off our credit report we can move on & resolve this long goin issue. PLease Please Please help us resolve this matter & help us keep our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13021
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2020-01-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On my last payment due on the loan I calculated the final interest and sent the payment in on time, knowing I would still have to pay the recording fee and closing fee but I didn't the funds for such at the time. The mortgage company acknowledged they received my payment on time and that it was the correct amount to bring the balance to XXXX ( I also have the receipt ) but they did not apply the funds so a balance continues to remain. On this " balance '' they allowed to remain, they have applied late payment fees and allowed interest to accrue and are now insisting I pay those fees and interest before they'll let me pay the closing fee and recording fee. I have had repeated telephone calls with them telling them I'll pay the closing fee and recording fee if they'll waive or remove the late fees and interest and not only do they refuse, they've told me they don't care if I file a complaint and they'll continue to send in negative reports to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95503
Submitted Via: Web
Date Sent: 2020-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX is trying to foreclose with an illegal loan that was given to me by XXXX XXXX XXXX XXXX. This loan is securitized, void, unenforceable and in violation of ( 1 ) Federal Law. ( 2 ) Acceptance of a prohibited transaction for this trust. ( 3 ) Breach of trust. ( 4 ) Lender strictly violated Article II section 2.01 of the pooling and serving agreement ( Note and Mortgage via an assignment of Mortgage together with the Note, after the closing Date/startup Day. ( 5 ) Violation of sections 17 ( a ) ( 2 ) and17 ( a ) ( 3 ) of the securities Act [ 15 USC 77q ( a ) ( 3 ) ]. ( 6 ) My loan was paid in full by XXXX XXXX XXXX XXXX with a ( SATISFACTION OF MORTGAGE ) XX/XX/XXXX, it was securitized and put into a MERs loan. How was XXXX XXXX able to refinance my loan? Then afterwards ( 7 ) The originator of my loan became XXXX XXXX, XXXX. XXXX XXXX XXXX sold my loan into the trust on XX/XX/XXXX.Therefore it is entirely impossible, short of specific documentation to substantiate a claim that XXXX XXXX XXXX could assign anything after XX/XX/XXXX. ( 8 ) XXXX XXXX XXXX filed an assignment of Mortgage with the XXXX county clerk 's office. The assignments are invalid and Fraudulent. XXXX transferred an assignment to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX a day after a summons and complaint was filed with the XXXX county clerk 's office from XXXX XXXX XXXX. on XX/XX/XXXX. ( 9 ) On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX assigned XXXX to itself, how is that possible? ( 10 ) My Mortgage says ( pay to the order of blank ) with out recourse XXXX XXXX XXXX XXXX. Signed : XXXX XXXX ( Rubber Stamped ). ( 11 ) The Deed and the Note has become defective, renders the iDeed of Trust unenforceable. Massachusetts supreme court in U.S. Bank v. Ibenez ruled that a blank assignment is not sufficient to claim perfection. PLEASE INVESTIGATE THE LOANS AND ALL THE ABOVE POINTS.
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: 2019-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-12-28
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have filed two disputes with XXXX in XXXX and XXXX of 2019 because XXXX, XXXX and XXXX of 2019 mortgage payments shows ( No Info ) for ( Specialized Loan Servicing ) my mortgage company.These payments were on time.My term is also showing ( no info ) which my loan is a 30 year term.Both filed disputes states that the company stated the information is accurate when they were completed by XXXX.Also the payment status on my report for this loan states ( no info ) and should sayCurrent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2019-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A