Date Received: 2019-10-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. I believe that SLS collection practices are abusive and violate TILA and FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We were offered a trial modification in XX/XX/XXXXof which we accepted. The trial payments as stated in the offer requested three ( 3 ) payments, but we received a letter to continue making the payments until we received the final modification documents. We made five ( 5 ) payments of {$2600.00}. XX/XX/XXXX - Debit - Transaction-XXXX XXXX, XXXX - Debit - Transaction XXXX XX/XX/XXXX - Debit - Transaction - XXXX XX/XX/XXXX Pmt Made with Representative - Comf . XXXX XX/XX/XXXX Pmt Made qith representative - Comf. XXXX As of XX/XX/XXXX There was a suspense amount on the account of {$42000.00}. XXXX XXXX we called to make the XX/XX/XXXX payment, we could not make any payment. Why? we asked but we were told that they were waiting because the modification was complete, and there was in fact a suspense amount ( {$42000.00} ) on the account that would be applied for XX/XX/XXXX payment. We waited all of XX/XX/XXXX, we did not receive any documents as promised. We kept in touch to make sure we were getting the modification and they assured us it was complete. Finally on XX/XX/XXXX, we received the modification documents with a request to return them by XX/XX/XXXX. According to the Modification documents, Our first mortgage payment was due on XX/XX/XXXX, however we received a Notice of Default on our Mortgage before we received the executed Modification Agreement, from that point on we have to fight to make the payments. We had to call in to make the payments and get a supervisor to ok the payment. We mailed in some of the payments. Then starting XX/XX/XXXX received a default statement showing that we owed {$12000.00} XX/XX/XXXX {$2000.00} XX/XX/XXXX {$3100.00} XX/XX/XXXX {$3100.00} XXXX XXXX {$3100.00} According to the Modification Agreement our payment was {$2600.00}, when did the payment change? The second statement for XX/XX/XXXX came stating that we owed {$8900.00} showing payments of : XX/XX/XXXX - {$2500.00} XX/XX/XXXX - {$3100.00} XX/XX/XXXX - {$2600.00} With a suspense amount of {$610.00} We have tried, over and over again, each representative we have spoken to has advised us to have the situation investigated, they could not see any reason why the account has so many changes in the amount of the payments. There is noting in the modification agreement that shows the payments will change each month. We received another statement XX/XX/XXXX XX/XX/XXXX - payment {$3000.00} XX/XX/XXXX - payment {$2600.00} List of all payment from bank receipts will follow by fax. Thank You
Company Response:
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: REFERENCE CASE NO. XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : SLS third -party mortgage loan servicer XX/XX/XXXX To : Whom it may concern, please refer to case numbers. SLS is a third-party collection agency that is unable to supply proof of debt. Initially Specialized Loan Service lied and said, they were the holder of the Note. The fact that SLS lied about who the holder of the Note reflects their knowledge of the fraud. SLS misrepresented themselves as the original lender collecting on behalf of a mortgage debt established in XX/XX/XXXX. After I filed a formal compliant with Cfpb, SLS than sent me a copy of my original Deed of trust ( the one I supplied the court ) with the account number written in pencil at the top. SLS is in breach of a cease and desist that went into effect on XX/XX/XXXX. Despite being unable to prove the debt, SLS has attempted to establish ownership of my Deed by paying my paid property taxes in XX/XX/XXXX. I am requesting that SLS request the payment be returned to SLS. I am also requesting that SLS stop harassing me and removes the negative comments, made by them, from my credit report. SLS has not establish or provided any proof they are serving my mortgage. Proof of debt was never provided. I can state with all certainty my Deed is not owned by any investors. I am the holder of the Note. XXXX XXXX failed to record the release of my mortgage in XX/XX/XXXX. SLS is a third- party collection agency acting in the capacity of a mortgage debt collector without proof of debt. I have attached several documents all of which provide and supply evidence supporting my claims made in my federal lawsuit. The document titled Independent Foreclosure Review, has been provided to support the claim : XXXX XXXX misrepresented the banks interest in the Plaintiffs property attempting to embezzle the plaintiffs Deed of Trust in XX/XX/XXXX. The Defendant ( XXXX XXXX ) has acknowledged the XX/XX/XXXX slander. The slander was made to try and secure legal conveyance authority, over the Plaintiffs Deed of Trust. The acknowledgement was bolstered upon with the false representation that the fraud was time-barred by the general three-year limitations period. The document dated XX/XX/XXXX and subject titled, issue with HUD Partial Claim document ( s ), has been provided to supply evidence to the claim : XXXX XXXX never processed a valid Partial Claims Promissory Note in XX/XX/XXXX, Not on XX/XX/XXXX or on XX/XX/XXXX. Please note the documentation was sent a year after the Defendant ( XXXX XXXX ) is claiming to have executed a Partial Claims Promissory Note and Second Mortgage Loan. Also, I never re-signed or submitted the documents requested. A copy of the unsigned document is attached. The Plaintiff is seeking to quiet her Title after learning her XX/XX/XXXX Partial Claims Note, was not processed by XXXX XXXX and determined to be invalid and render null and void in XXXX by FHA/ HUD . In XX/XX/XXXX the Partial Claims Note was nullified due to XXXX XXXX not having conveyance of the primary mortgage loan. The primary mortgage loan was released by XXXX in XX/XX/XXXX. The document dated XX/XX/XXXX and titled Notice of transfer of your mortgage, has been provided to supply evidence to the claim : XXXX XXXX attempts to create a legal conveyance instrument, one that would transfer ownership of the Plaintiffs Deed of Trust ultimately, clouded and invalidated the Plaintiffs Deed of Trust. The Plaintiff has been paying on a Note that does not exists. Subsequently, no release could ever have been granted by XXXX XXXX or Specialized Loan Servicing. Please note XXXX XXXX sent a notice in XX/XX/XXXX regarding the transfer of a Partial Claims Promissory Notice that was never processed in XX/XX/XXXX and was nullified by HUD in XX/XX/XXXX. See. Attachment dated XX/XX/XXXX. The document dated XX/XX/XXXX and titled Important information about your mortgage account, has been provided to supply evidence to the claim : The Plaintiff was being defrauded and sent contradicting documents that confirmed a conspiracy to commit fraud. The transactions which clouded the Plaintiffs Title to her property were deliberate and made by XXXX XXXX. The documents that XXXX XXXX presented to HUD/FHA were Nullified. No valid Deed or Deed of Trust was established between XXXX XXXX and the Plaintiff. It is well established that courts may hear a common law action to quiet title in order to prove title, secure title, or to remove obstacles which hinder its enjoyment. Jessup v. Progressive Funding, 35 F. Supp. 3d 25, 34 ( D.D.C. 2014 ) ( quoting in re Tyree, 493 A.2d 314, 317 ( D.C.1985 ) ). In a quiet title action, the plaintiff asks the court to declare that he or she has good title to the property in question and compels any adverse claimant to prove a competing ownership claim or forever be barred from asserting it. 65 Am. Jur. 2d Quieting Title 1. In these actions, the Plaintiff has the burden of showing a title or right superior to that of the defendant as a prima facie case, which means that the plaintiff [ must ] at least prove a title better than that of the defendant, which, if not overcome by the defendant, is sufficient. Jessup, 35 F. Supp. 3d at 36. ( quoting 74 C.J.S. Quieting Title 77 ( 2014 ) ). If the defendant has established the due execution of an instrument, the burden is again cast on the plaintiff to show facts in avoidance. 74 C.J.S. Quieting Title 77 ( 2014 ). On XX/XX/XXXX, Plaintiff, filed a quiet title action asking the court to declare that she has good title to real property owned by the Plaintiff in fee simple and located at XXXX XXXX, as per plat recorded in the office of the Surveyor for the District of Columbia. Property is described in the deed attached and labeled. See original complaint The Defendant, XXXX XXXX, soiled, clouded, and invalidated the Plaintiff Title. The removal of the obstacles placed on the Plaintiffs Title by XXXX XXXX is equitable in nature and law. Specialized Loan Servicing is harassing the Plaintiff and trying to pressure her into making payments before a judgement is made in her favor. The Plaintiff is requesting Specialized Loan Servicing pay 10xXXXX in punitive damages equal to the amount of damage being requested from XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed on my home on XX/XX/2019. My loan was with XXXX XXXX XXXX XXXX. I received a letter dated XX/XX/XXXX informing me that my loan would be serviced by XXXX XXXX XXXX XXXX XXXX as of XX/XX/2019. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX XXXX letting me know that as of XX/XX/XXXX they would no longer be servicing my loan. Instead, XXXX XXXX XXXX would be my new servicer. On XX/XX/XXXX, I made my first mortgage payment to XXXX XXXX XXXX in the amount of {$1200.00} to my account number XXXX. My actual mortgage payment is {$1100.00}, but I like to pay more towards the principal so I paid an additional {$99.00} toward my principal balance. My actual principal payment is XXXX When I closed on my home on XX/XX/2019, my principal balance was {$170000.00}. After my first payment on XX/XX/2019, XXXX XXXX reflected my principal balance as XXXX ( this was correct ) On XX/XX/2019 I received notification from XXXX XXXX that XXXX XXXX XXXX will no longer be my servicer. Instead, XXXX XXXX partnered up with SLS - specialized loan servicing LLC to service my loan effective with my XX/XX/2019 payment under account number XXXX. I attempted to open my account with SLS/XXXX, but it proved to be very challenging since these two entities have different web sites. I contacted customer service representatives on multiple occassions from both XXXX XXXX XXXX as well as XXXX and SLS to try to open my account with whoever my new servicer was. Finally, an SLS representative assisted me in opening my account. At this point it was into the second week of XX/XX/XXXXwhen I was able to open my account. When I opened my online account with SLS I noticed that the balances for my pricipal and my escrow did not match what XXXX XXXX XXXX had. I contacted customer service from both banks on multiple days for several weeks to try to resolve this matter. Turns out, XXXX XXXX XXXX unapplied my additional principal payment before they sold my loan to XXXX/SLS. So XXXX/SLS has {$99.00} of my money in an " unapplied '' line item. I have called and spent lunch hours, after hours, hours that I could be spending with my family, days, writing and calling customer support. I have used the message feature on the SLS web site and corresponded with representatives. Both over the phone and in the message feature, representatives have admitted that the balances are incorrect. Yet, the company refuses to update my balances to the correct amounts. I have requested the names of senior executives, managers, supervisors. I have asked to be contacted by these folks. I have asked to be transferred to these folks. I have asked that the proof I have sent and documentation I have sent be forwarded to someone in accounting so that they can verify what I am saying is true. I have asked XXXX to contact XXXX XXXX XXXX to verify what I am saying is true. I have asked XXXX XXXX XXXX to contact XXXX to verify what I am saying is true. Yet, nobody, and I mean nobody has contacted me. Nobody has updated my balances. and I called customer support again today and the representative tells me that I need to send her proof of what I am saying even though I have sent the proof. I have been humiliated and have been made to feel as if I am a liar. I am not sure what CFPB is all about, but I sure hope that you are able to investigate this to the fullest exetent. We are talking about {$99.00} in principal and {$270.00} in escrow. It is not much, but to the average person trying to pay their mortgage it is a lot. It may not constitute legal action towards these institutions or maybe it does, but at the very least I need my balances to be accurate. What if it was the other way around?? What if I decided I wanted to show my balance less then it actually is? Oh, I would face late fees, penalties, fines, foreclosure, etc. These institutions inaccurately record balances and they have no consequences??? I really hope you all can help me!! Please let me know what documentation you need, where to send it to, and let 's start here. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX/SLS account number - XXXX XXXX XXXX XXXX account number - XXXX Beginning balance - {$170000.00} Escrow payment - {$270.00} Principal payment - {$230.00} Interest payment - {$650.00} Total monthly mortgage payment - {$1100.00} XX/XX/2019 payment - {$1200.00} ( {$1100.00} + {$99.00} additional toward principal ) XX/XX/2019 payment - {$1200.00} ( {$1100.00} + {$99.00} additional toward principal ) XX/XX/2019 payment - {$1200.00} ( {$1100.00} + {$99.00} additional toward principal ) Principal balance should be = {$170000.00} Escrow balance should be = {$2500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2019-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: So I wanted to make my mortgage payment online with XXXX XXXX XXXX - I could not. The option was no longer available. Upon calling they told me my servicer has changed to Specialized Loan Servicing LLC. Never heard from them before. Never got the monthly bill. Never got a welcome letter from them. I could not open an online account, because it would not accept my social security number or loan number - the field went blank as soon as I hit submit. Their website does not seem to be functioning properly ( sls.net ). On the login site it tells you, you can call them for {$12.00} and that you can pay online, but a fee might apply. I called them and they graciously allowed me to pay on the phone - but only this one time. I am now supposed to jump through hoops to make my monthly mortgage payments?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from Specialized Loan Servicing. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief. I informed XXXX that I wanted Specialized Loan Servicing to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that XXXX XXXX XXXX must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes. While I was in negotiations with Specialized Loan Servicing they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan. XXXX XXXX XXXX/XXXX XXXX / Specialized Loan Servicing have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan. I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners. Also be aware that Specialized Loan Servicing as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I contacted SLS, the 2nd mortgage on my home & told them I was affected by the National Disaster of XX/XX/XXXX & XX/XX/XXXX, CA wildfires. I requested assistance, but received no reply. I then applied for assistance in XX/XX/XXXX/XX/XX/XXXX. My request was denied on XX/XX/XXXX, see attached letter, bc a payment w in the guidelines could not be calculated, HOWEVER, XXXX, the account rep for my loan told me on XX/XX/19, that no package was received & that my financials were not used in the review. This is upsetting bc how could it be properly reviewed. I resent the package along w the appeal of the denial on XX/XX/19- the deadline was XX/XX/19. I was waiting for the outcome & at the same time received a sale date for XX/XX/19. I resubmitted the attached package on XX/XX/19 & on XX/XX/19.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019, I received a notification via US Mail from XXXX XXXX that they were transferring my home mortgage to SLS, Specialized Loan Servicing effective XX/XX/2019. On XX/XX/2019 SLS notified me that due to an escrow shortage, my monthly mortgage payments would be increasing from {$2400.00}, ( which I had been paying to XXXX XXXX ), to {$3100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: After.SLS LLC recieved final payment and processed they continued to charge fees and interest and are still charging and have added additional fees I Was assured in 2 seperate calls these late fees and interest were taken care of and taken off but could not produce an email or letter stating so to me till end of month which was XX/XX/XXXX. Now have recieved closing statement with additional interest and late fees attached. This looks like an ongoing issue with this company. I also filed with XXXX I Did send final requested payment in money order ( banks were closed to get certified check ) along with all conflicting documents and proof they processed payment on time. Trying to close out loan without negative repercussions on credit etc. due to their negligence. But honestly do not owe these fees, and have submitted all documentation of whom spoken to etc to company. Want others to beware of this company and read all negative views online. My understanding from paper work this is a subsidiary company of XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX and I currently have a home equity line of credit with SLS. In XXXX I lost my job and fell 2 months behind on my payments in XXXX. After several discussions with personnel at SLS I understood that if I added additional money to my monthly payments that money would be held in an unapplied funds account until such a time that a full payment could be made. I started adding additional money over and above my monthly payments and soon realized the money wasn't being held in an unapplied funds account. I immediately started calling SLS to straighten everything out. Attached you will find notes of who I spoke to, dates and times. You'll also see that on multiple occasions commitments were made to straighten everything out.After 4 years and a formal complete I was told that SLS wouldn't apply any additional funds over the mortgage payments to the 2 back payments. I was also told that from that point on if I called my in payment monthly and specified the additional funds were to be held in unapplied funds they would then be held until a full payment could be made. On XX/XX/XXXX I made a payment of {$700.00}. XXXX for the mortgage payment and {$100.00} to be added to the unapplied funds account. Confirmed by XXXX of the Customer Service Team. On XX/XX/XXXX I spoke to XXXX paid {$610.00} and {$100.00} and {$12.00} Fee to pay over the phone. {$200.00} will remain in unapplied funds ( from XX/XX/XXXX & XX/XX/XXXX ) {$720.00}. Confirmation # XXXX. On XX/XX/XXXX I checked my account and noticed the money was missing from unapplied funds. After many calls I was told several times a supervisor would call back. I never received a call from a supervisor. I did start receiving endless collection calls. Today I checked my SLS account and noticed my unapplied funds account is negative over {$500.00}. My payment of {$720.00} is listed as {$500.00}. Please see attached notes. The annotation takes a few seconds to open so please be patient. Attached is a personal call log documenting much of my communication with SLS with dates and times. I've also attached a spreadsheet showing all payments made to SLS. There is a column showing how much I put into unapplied funds monthly since XXXX when I missed 2 payments. Each month instead of holding the money until a full payment could be made the money would be applied to unpaid principal which left my account perpetually 2 months behind. XXXX XXXX XXXX XXXX ) XXXX Also, see below last signed on XX/XX/XXXX XXXX Next Payment Due : XX/XX/XXXX Payment Amount : {$1600.00} XXXX XXXX XXXX PRINCIPAL & INT PAYMENT : {$590.00} CURRENT ESCROW PAYMENT : {$0.00} TOTAL PAST DUE : {$1500.00} TOTAL AMOUNT DUE : {$2100.00} UNAPPLIED : ( {$500.00} ) TOTAL PAYMENT AMOUNT : {$1600.00} LAST PAYMENT RECEIVED : XX/XX/XXXX LAST PAYMENT AMOUNT : PAYMENTS MAXIMUM CREDIT LIMIT : {$100000.00} ACCOUNT BALANCE : {$58000.00} AVAILABLE BALANCE : {$0.00} GO PAPERLESS : AUTOMATIC PAYMENTS : INELIGIBLE Please note, additional loan details are viewable by clicking the Loan Details tab at the top of this screen. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10308
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A