Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPECIALIZED LOAN SERVI XXXX XXXX XXXX XXXX XXXX XXXX has been reporting late payments on my report. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Recently monthly " auto-debits '' were arranged with " SLS Mortgage '' for {$1600.00} from my business bank account. I am in the process of contacting " SLS '', who purchased this note from the previous lender, to seek confirmation that I am not permitted or " allowed '' access to this account which is not the case according to the attached documents. The other issue I need clarified is the nature of an interest regarding a lender, a " Deed of Trust with a Vendor 's Lien '' and other related documents which specifically identify as joining into the conveyance " pro forma ''. The conventional wisdom about " pro forma '' signatories is that they have no real or conclusive " possessory interests '' since they signed merely for the " appearance '' to shore up a lien or collateral interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX DC XXXX REF : XXXX # XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Representative, I am reaching out because I need some sort of assistance from the Consumer Financial Protection Bureau concerning my dispute with Specialized Loan Servicing, ( XXXX ). XXXX has consistently demonstrated to be a corrupt, dishonest, deceptive, and irresponsible entity. XXXX engages in deceptive tactics to purposely and intentionally create accounting errors to allege escrow account shortages by making illegitimate payments to the wrong County Appraisal Tax Authorities. This deceptive scheme serves its purpose to extract additional funds from its customers and consumers as well as to promote confusion. Background of my dispute In XX/XX/XXXX, XXXX issued XXXX checks for property taxes and MUD water district taxes in the following amounts : {$3900.00} and {$1800.00} to the wrong XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. In XX/XX/XXXX, XXXX claimed to be issued a payment to XXXX XXXX XXXX for {$2400.00}. However, in XX/XX/XXXX, XXXX days later, I contacted XXXX XXXX XXXX XXXX to inquire about this XX/XX/XXXX payment, but XXXX XXXX XXXX could not locate it, which I provided the account payment history given to me by XXXX XXXX. In XX/XX/XXXX, I wrote a letter to XXXX requesting a copy of the tax notice and a copy of the check. So, XXXX plus days later, XXXX seems to be reluctant to provide any evidence of this XX/XX/XXXX payment made to XXXX XXXX XXXX XXXX I am getting frustrated by SLS incompetence, dishonesty, its deceptive practices, and sloppiness. Therefore, I would really appreciate it if the Consumer Financial Protection Bureau helps me find an amicable solution by submitting this dispute to mediation. I am a XXXX XXXX, and I am getting sick and tired of discovering errors, and all these illegitimate payments made from my mortgage escrow account. Also, it is getting exhausting dealing with this corrupt, dishonest, deceptive, and irresponsible entity. Consequently, I plead for this agencys help so that I can recover the sanity and peace of mind that I used to have with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, when XXXX acquired my mortgage note from XXXX XXXX XXXX XXXX has been a constant ordeal, nightmares, and annoyances. Resolution to solve the dispute Mediation. Finally, I profoundly encourage the Consumer Financial Protection Bureau to investigate the overwhelming number of complaints filed against Specialized Loan Servicing with the Better Business Bureau. I believe that XXXX XXXX plus complaints seem to be an indication that XXXX is a shady and dishonest mortgage servicing company. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: RESPONSE IS BALONEY AND XXXX Response dated is fully baloney, XXXX and CFPB office must close its office by getting baloney response and closing the case. A formal request will be made chairman XXXX XXXX, XXXX XXXX of this and I will consider filing torte claim which also include defendants SLS once again. Its not true XXXX tried tried best resolve issues we did had long conversation. He had no excess to email of XX/XX/XXXX and he to send email to single point of contact on XX/XX/XXXX to call me its now XX/XX/XXXX no call has been received. XXXX on XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX sent message for XXXX single point to call because all stated I should be talk to XXXX. I call her on the phone provide to call XXXX and it goes on voice mail message I have left unlimited message she has not returned phone call. I have been told by above listed staff XXXX has not been in the office and they have no idea when XXXX will come back. On XX/XX/XXXX I requested to replace single point of contact at below received confirmed email neither XXXX has been replaced, she has not returned my phone call and she does not answer my phone call BECAUSE SHE NOT BEEN AT WORK FOR LONG PERIOD OF TIME. Cease and deist XXXX XXXX not to call me I requested to cases and desist on XX/XX/XXXX because SLS would not cooperate with me. Since than I received a call from supervisor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to name some of those. So its a lame excuse. Its XXXX and baloney to state cease and deist is the reason XXXX can not call me but as I have been explained she not been in the office for past many months and there is and as stated, other will can not resolve issue. ITS FALES No attempt has been made to call me. I have received calls many times and to state some are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX so on and I have photos of the calls and recoding XXXX Spoke with XXXX If stated she agreed with me escrow was accurately advise is {$350.00} when my XXXX XXXX is {$3300.00} divide by 12 months is {$270.00}. Its only mentally sick person would say {$350.00}. Letter sent to me on XX/XX/XXXX, call from XXXX XXXX, CFPB response XX/XX/XXXX states SLS HAS DETERMINE THAT HOMEOWNERS INSURANCE WAS INADVERTENTLY ADDED. CFPB is only aiding and abetting violation in one may other complaint filed with CFPB SLS respond only {$1600.00} escrow was taken out while as attachment provided in my complain that I spoke with superior shows $ XXXX ITS TOTALLY BALONEY AND XXXX TO STATE XXXX LOAN MODIFICATION WITH {$350.00} ESCROW WILL NOT BE CHANGE. XXXX are XXXX emails confirmation. Its again in total baloney tio state SLS has no records but the email confoirms this. Confirmation One XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX The attachments you have sent have been received and can be processed. If you have any questions, please call XXXX. Please do not reply back to this e-mail as this is from an automated, unattended e-mail account, and your reply will not be received. Confirmation XXXX # NA SLS Customer Support XXXX To : XXXX!! Thu, XX/XX/XXXX at XXXXXXXX XXXX Your email has been received and is currently under review. It will be forwarded to the appropriate department for handling. BANKRUPTCY NOTICE- IF YOU ARE A CUSTOMER IN BANKRUPTCY OR A CUSTOMER WHO HAS RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT : PLEASE BE ADVISED THAT THIS NOTICE IS TO ADVISE YOU OF THE STATUS OF YOUR MORTGAGE LOAN. THIS NOTICE CONSTITUTES NEITHER A DEMAND FOR PAYMENT NOR A NOTICE OF PERSONAL LIABILITY TO ANY RECIPIENT HEREOF, WHO MIGHT HAVE RECEIVED A DISCHARGE OF SUCH DEBT IN ACCORDANCE WITH APPLICABLE BANKRUPTCY LAWS OR WHO MIGHT BE SUBJECT TO THE AUTOMATIC STAY OF SECTION 362 OF THE UNITED STATES BANKRUPTCY CODE. HOWEVER, IT MAY BE A NOTICE OF POSSIBLE ENFORCEMENT OF THE LIEN AGAINST THE COLLATERAL PROPERTY, WHICH HAS NOT BEEN DISCHARGED IN YOUR BANKRUPTCY. IF YOU HAVE ANY QUESTIONS PLEASE CONTACT OUR CUSTOMER CARE CENTER AT XXXX. Confirmation XXXX Thank you for your email XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX Please do not reply back to this E-mail as this is from an automated, unattended E-mail account, and your reply will not be received. Confirmation XXXX RE : Clarification of loan modification and interim dispute XXXX XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX Your email has been received and is currently under review. It will be forwarded to the appropriate department for handling. Please note that responses will not be sent directly from this mailbox. If you need any further assistance, please contact Customer Care toll free at XXXX Monday through Friday, Monday through Friday, XXXXXXXX XXXX. until XXXXXXXX XXXX XXXX. We accept calls from relay services on behalf of hearing impaired borrowers. Notices of Error and Requests for Information ( Including Qualified Written Requests ) Must be submitted in writing to : Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, XXXX XXXX BANKRUPTCY NOTICE- IF YOU ARE A CUSTOMER IN BANKRUPTCY OR A CUSTOMER WHO HAS RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT : PLEASE BE ADVISED THAT THIS NOTICE IS TO ADVISE YOU OF THE STATUS OF YOUR MORTGAGE LOAN. THIS NOTICE CONSTITUTES NEITHER A DEMAND FOR PAYMENT NOR A NOTICE OF PERSONAL LIABILITY TO ANY RECIPIENT HEREOF, WHO MIGHT HAVE RECEIVED A DISCHARGE OF SUCH DEBT IN ACCORDANCE WITH APPLICABLE BANKRUPTCY LAWS OR WHO MIGHT BE SUBJECT TO THE AUTOMATIC STAY OF SECTION 362 OF THE UNITED STATES BANKRUPTCY CODE. HOWEVER, IT MAY BE A NOTICE OF POSSIBLE ENFORCEMENT OF THE LIEN AGAINST THE COLLATERAL PROPERTY, WHICH HAS NOT BEEN DISCHARGED IN YOUR BANKRUPTCY. IF YOU HAVE ANY QUESTIONS PLEASE CONTACT OUR CUSTOMER CARE CENTER AT XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: We submitted a CFPB complaint regarding the status of our mortgage and the fact the we requested additional forbearance due to Hurricane Ida. Their response says " The above referenced account was previously under forbearance from XX/XX/XXXX through XX/XX/XXXX and again from XX/XX/XXXX through XX/XX/XXXX. If you wished to be reviewed for forbearance again you will need to contact the number listed below. The initial forbearance letter is enclosed. '' We requested an extension of the forbearance on XX/XX/XXXX ( as instructed by SLS ) and got a response on XX/XX/XXXX that the request was forwarded. Then we heard nothing back. When I called in to see the status the agent I spoke with made it sound like it was too late -- which made no sense to me. If this had been addressed correctly we would not be in this position. As a XXXX XXXX mortgage we are able to get 18 months of forbearance in total -- the additional 6 months is what we are asking for. This would move our payment due date from XX/XX/XXXX to XX/XX/XXXX. We will gladly pay the full amount from XXXX, XXXX, XXXX and XX/XX/XXXX to have our mortgage to be reinstated. All we ask is that SLS honor the timely forbearance extension request. I am attaching the letters.
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: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I have been working with Specialized Loan Services to modify my mortgage and and help me save my home, they sent me a congratulations letter saying my modification was approved for 480 months at {$900.00}. This program is not helping me it's stealing, simple math says this practice is preditory and saying no w the escrow payment on {$6000.00} will be {$360.00} a month for 5 years. Which is {$21000.00}. And the loan balance is {$110000.00}. Seems this is more than preditory if they are trying to help people save their homes. Seems I would be paying 5xs the current balance how is that helping people??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I have a HELOC that was through my former employer, XXXX XXXX. They sold the HELOC to Specialized Loan Servicing ( SLS ) in Colorado. My monthly payment has been {$180.00} for years. SLS pulled {$1400.00} from my checking account on XX/XX/23. When I asked the reason, they advised it was for flood coverage. I advised I already have a flood policy covering my home. I provided proof of coverage, proof that it was paid in full for the {$1000.00}, and that policy is paid through an escrow account on my primary mortgage through XXXX XXXX. After half a dozen emails, and hours on their 'customer service ' site, they admitted their error, but refuse to return my money. I even tried to directly email 8 executives of SLS I found online directly, with no response. Today I received notice from SLS that if, I want my money back, I can call the insurance company and fight with them. I have told SLS repeatedly they took {$1400.00}, not {$1000.00}, but they refuse to acknowledge that. They also advised I needed to start paying my normal {$250.00} per month payment. My payment was never {$250.00}. I also have no doubt SLS will do this again next year. I have documentation of EVERYTHING, including emails, bank statements, escrow statements, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 251XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX I obtained a {$500000.00} HELOC from XXXX, with a 10 year draw period. In XXXX it was no longer a line of credit, rather a security interest. This was modified in XX/XX/XXXX, and {$150000.00} in Unpaid Principal Balance was deferred until XX/XX/XXXX, resulting in an Interest Bearing Principal Balance of {$260000.00} upon which payments are calculated. Until recently, the deferred balance was not reported to the Credit Bureaus. As of XX/XX/XXXX the entire balance is being reported to the credit bureaus as {$390000.00}, not the SLS Mortgage statement balance of {$230000.00}. Serving of this loan was transferred to Specialized Loan Servicing in XX/XX/XXXX. All payments have been timely. SLSs recent report to the credit bureau incorrectly identifies this as a Line of Credit with a Credit Limit of {$500000.00}, neither of which are true. This error resulted in a XXXX point drop in my credit score. I have called SLS three times this week requesting they provide the Credit Bureau with the correct information. This inquiry is for the following company : Specialized Loan Servicing, LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX NMLS ID XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: As of today, XX/XX/XXXX, there has not been any resolution to our payment issue. Another copy of the cancelled check was provided to Specialized Loan Services per their request and there is still nothing being done. They have reversed every payment now that we have ever made resulting in a past due status on our account. They have also caused my credit score to drop XXXX points in XXXX due to them reporting us opening a new account with them on XX/XX/XXXX and then closing it the very same day?? We need some direction on how to proceed and if we need to seek legal advice for our protection. This company has very little regard for their customers and I believe what they are doing to us is borderline criminal. The payment they are withholding from our account is in the amount of {$22000.00}. It was cashed and posted by SLS on XX/XX/XXXX and applied to our account. The check was then reversed by them on XX/XX/XXXX without explanation. 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: OH
Zip: 44511
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/XXXX I had a tree that damaged my house and taking out my power lines of the house. And damaged to my siding, roof. Gutter. On XX/XX/XXXX I hire an contractor to replace of my electrical panel system outside and inside. On XX/XX/XXXX I received the check from my insurance company in both my name and specialize loan services my mortgage company. I endorse the check and send on XX/XX/XXXX next day services. Specialized Loan Service received it on XX/XX/XXXX. I called on XX/XX/XXXX to see the process time because the contractor is requesting the payment because the job is completed. I was told on XX/XX/XXXX and XX/XX/XXXX. That check is mailed out XX/XX/XXXX. On XX/XX/XXXX I called again following up because the contractor is calling requesting the payment. The representative stated this time the payment check was sent on XX/XX/XXXX. I been in my property for 25 years. And am very disappointed on how I been treated and unfairly treated by Specialized Loan Service. Their are still more damaged to the property that I will need contractors to come and come complete before the winter come. I cant scheduled if Im receiving this kind of services from my mortgage company. My contact information is XXXX XXXX or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53225
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A