Date Received: 2019-10-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Under certified mail receipt no. XXXX I wrote a letter to Specialized Loan Servicing, dated XX/XX/2019, received by Specialized on XX/XX/2019. This letter concerned Final Payment of this Loan, Release of any Liens related to this loan, my dispute of two charges to my account in the amount of {$25.00} for each of the two charges, recording fee in the amount of {$92.00} and the amount of {$130.00} held in suspense. To date I have had no response to this letter. Previous correspondance on the final payments to my account had been sent on XX/XX/XXXX. The Statement with Closing Date XX/XX/2019 shows that the loan has been paid in full, does not explain the XXXX amount shown in the previous balance and does not explain the status of XXXX amount that was classified as suspense on the Statement with Closing Date XX/XX/2019. The XX/XX/2019 Statement showed a balance due to me in the amount of XXXX. The XX/XX/2019 does not account for the XXXX suspense amount and does not explain how the XXXX credit amount became 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: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Re : Specialized Loan Servicing Co., HELOC loan I am paying off a HELOC. The payoff statement that was sent to me is incorrect. The calculated interest due is incorrect. Specialized Loan Servicing is either unwilling or unable to fix the payoff amount. I have spoken to several representatives who agree that the interest calculation is incorrect, but even after waiting two weeks, I have been unable to get them to send me a new payoff statement. Specifically, my Daily Per Diem Interest is 2.8892 %, times 45 days outstanding, = {$130.00} On my payoff statement, the amount is incorrectly calculated as {$180.00} NOTE : if they are incorrectly calculating my interest due they are likely incorrectly calculating other payoff statements as incorrect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 034XX
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX/XXXX/19 WE JUST GOT A LETTER IN THE MAIL STATING THAT WE WERE DENIED A MODIFICATION BECAUSE THEY SAID THE DOCUMENTS WERENT SENT IN ON TIME!!! LIARS!! IF YOU LOOK AT ALL THE COMPLAINTS YOU WILL SEE THAT WE SENT IN ALL DOCUMENTS BY THE DUE DATE XXXX/XXXX/19 BUT WE WERE TOLD THAT THE NOTARY DIDNT SIGN THE CORRECT LINE! SO THE MODIFICATION SENT OUT ANOTHER SET BY EMAIL AND WERE SIGN CORRECTLY BY THE NOTARY THEY WERE SENT BACK BUT WHEN MY WIFE CALLED SLS TO MAKE SURE EVERYTHING WAS SIGNED RIGHT THEY SAID THEY DIDNT RECIEVED THE HARD COPIES AND THEY WERE SHREDDED!!!! WHY??? SO NOW ITS THE END OF XXXX SO I TALKED TO A SUPERVISOR AND SHE SAID SHE IS SENDING A NEW MODIFICATION DOCUMENTS BY UPS WE DID AND WE SIGNED THEM AND WERE SENT BACK AND THEY RECIEVED THEM ON XXXX/XXXX/19! WE WERE TOLD THEY WILL FINALIZE THE DOCUMENTS BUT WE MUST MAKE XXXX PAYMENT WHICH WE DID! NOW WE GET THESE PAPERS IN THE MAIL SAYING WE DIDNT SEND THEM IN BY THE DUE DATE! LIARS WE HAVE THE THE RECIPTS FROM WHEN EVERYTHING WAS MAILED ON ALL 3!
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: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am filing this complain about the mortgage company known as " Specialized Loan Servicing '' ( SLS ). Their address is Specialized Loan Servicing LLC, XXXX. XXXX XXXX, XXXX, CO, XXXX. The reason for this complain : This company bought my mortgage from XXXX XXXX in XX/XX/XXXX. After a few months, I sold my house on XX/XX/XXXX. After the sale of the house, their was a remaining balance of {$1700.00} which should have been sent to me via check. This amount was a refund from the XXXX county for property tax and was paid on my behalf to SLS to my escrow account. I have called the customer services many times and have spent countless hours with different representative but am not getting the remaining amount which is due to me. Most of the times, either the agents either tell me that they have taken care of it or send me to next person on the phone line which ends up in a wasted call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Unbelievable! URGENT! Please refer to my previous case # XXXX. This case was resolved and correct by Specialized Loan Services on XX/XX/2019. I received a confirmation letter as proof ( attached ). The correct report was correct for about 1 month. Unfortunately as I am at the end of my Closing Process with my Mortgage Company, this error reappeared, yes WOW! I made an emergency call to Specialized Loan Service to let them know of the situation. I was connected to XXXX in the Escalation Department who was involved in the resolution of my previous case. She express her apologies and said the she would immediately sent an alert to XXXX that day to correct this before my closing date, XX/XX/2019. A correction of some sort was made by it was INCORRECT! I had to withdraw from the closing process because this error put me back at square one. At this point I am demanding that this error is PERMANENTLY FIXED IN THE SPECIALIZED LOAN SERVICE DATABASE and that I am reimburse the appraisal cost {$540.00} and the emotional stress this experienced has caused me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2019-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I keep getting robo calls from a specialized loan servicing vendor at XXXX : " Hello this is specialized loan servicing this attempt is to confirm whether or not you have have been affected by the recent disaster in your area please contact our customer care department at XXXX we are available Monday through Friday XXXX XXXX to XXXX XXXX mountain time. '' XX/XX/XXXX they have called seventeen times and left seventeen voicemails. The dates and times of these calls are : XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XX/XX/XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. XXXX @ XXXX XXXX. This provider is the second mortgage on my XX/XX/XXXX which was originated at the height of the XXXX bubble. The primary lender paid for an inspection of the property and hasn't bothered me. If they want to know if the property has been impacted, they are welcome to coordinate with the primary lender or pay for their own inspection. These calls need to stop. I'm not calling and waiting on hold to waste my time dealing with this seedy third rate servicer just to save then a few bucks. I continue to make payments on time and as expected. The nonstop calls are annoying and as a result I have today blocked their robo call vendor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2019-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our loan was sold to Specialized Loan Servicing from XXXX XXXX without notifying us of cancelling our auto payments or changes in our loan. We received a certified letter stating that we are in default of a loan to this company which we were unaware were our service provider. Out of desperation and fear of losing our home, we went through a trial modification process where we performed fully, and then we were told the rate would be 1 % higher than we were led to believe we would receive. Our credit has been damaged by reportings of default, We appealed for a second review to adjust the rate. We can't refinance due to bad credit, and they won't fix our credit. We are stuck because we cant refinance, and they are sticking us with a higher rate due which is not what we would have had if we were notified of the change. Our luck with SLS has not been good and they are inflexible and completely uncaring for what has happened to us. We did everything asked of us as our credit was being destroyed and SLS was not willing to be fair. We have attached the claimed correspondence we received from SLS. We never received notification from XXXX XXXX of the change, and notification form SLS was well into this process after it was too late to simply continue. We always worked hard to do everything in our power to keep our credit good. These 2 firms have destroyed our credit and finances. SLS has also refused to let us know who our loan is now owned by. I have asked many times
Company Response:
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2019-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My loan from XXXX XXXX XXXX was sold to SLS Mortgage back on XX/XX/2019 and my payment was schedule to start with SLS in XX/XX/2019. As I normally do as a responsible individual I continue making my mortagage payment now to the new company SLS and after 3 month that I have been dealing with them, they claim that I never did my XXXX payment in which XXXX XXXX XXXX and myself have send several proof that I did my payment in XX/XX/XXXX but to XXXX XXXXXXXX XXXX not SLS because at that time XXXX XXXX XXXX was servicing my loan. In addition to provide the information, I have been in contact with them several times during this past 3 month because I want to get this fix and all SLS have been harassing calling me every day, sending me letters that they are going to foreclose my house, and telling me that they are going to mess my credit. At this point Im not sure what else I can do because even when I have try dealing with someone directly at SLS to get this resolved, they keep passing me from person to person without any solution but they keep adding fees after fees because they want to collect again on something that I already paid. Besides all this I have proof from both institutions that my payment schedule for XX/XX/2019 has to be made to SLS and moving forward with them and I have done so. Please I need to get this resolved because this company is trying to take advantage of me when I have done my part. Also, I know that Im not the only customer that is going through this with them and they dont care to assist in any way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2019-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my loan was transferred on XX/XX/2019 from XXXX XXXX XXXX to specialized loan servicing llc ( SLS ). SLS has not sent a statement since the transfer. i have called several times asking for a mailed copy of the statement and they have not sent it. i have called several times and complained. the third time i called they emailed me a statement which was incorrect.since then i have called several times asking for them to email me a statement and they say they will send it to me and they do not send it. i mailed in a payment but since i do not receive a statement i do not know if they processed the payment to my account. i need help because i believe that this might be a scam. i looked at online reviews and others are having the same issues. this is the review site : XXXX XXXX XXXX all i want to do is receive a statement, pay my loan and be assured that it is credited to my account and not ruin my credit. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60169
Submitted Via: Web
Date Sent: 2019-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Despite several attempts, my request for the QualifiedWrittenRequest with SLS has been ignored. Under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) to obtain copies of ALL documents pertaining to the origination of theLoan # XXXX on the current mortgage on my property has been ignored. As of this date, SLS has been ignoring our request and aggressively pursuing an illegal foreclosure. Ignoring my request under Section 6 of RESPA is considered to be unlawful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
Submitted Via: Web
Date Sent: 2019-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A