Date Received: 2019-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Madam or Sir : I am writing a formal Notice of Dispute and a Notice of Violations pertaining to Specialized Loan Servicing denying me my 30 day legal right to Dispute and Appeal for a modification and the illegal actions of Specialized Loan Servicing pertaining to my primary residence located at XXXX XXXX XXXX, XXXX, XXXX WA XXXX, and Loan # XXXX. On several occasions during my phone calls with Specialized Loan Servicing ( SLS ) for updates and reviews, I was told in uncertain terms from SLS representatives that I only had until a XX/XX/2019 deadline to submit my Appeal/Dispute letter into their department for review. I have had to explain to these SLS representatives that I didnt receive their Letter of Denial until I had requested a SLS representative to fax it to me on XX/XX/2019, since it was never mailed out and this was the first I had heard about the denial! Once I received this Denial it didnt state any details of how I was denied, what information was used by SLS to come to their conclusion. I have a right to check these facts for accuracy since I have recently qualified for 4 other modifications ; therefore, I am suspicious that there was an error in their calculations which resulted in a denial decision. On XX/XX/2019 SLS Rep. XXXX ( refused to give me an ID or last name ), at XXXX and again at XXXX XX/XX/2019, denied me the right to speak to a supervisor on both occasions. She stated that SLS had sent out their Denial Letter on XX/XX/2019 and that I had no options but to adhere to a short sale or deed in lieu, and the fact that I didnt actually receive it until SLS faxed it to me didnt matter to her. It is very clear to me that SLS has intended to steal my property away from me by not informing me of this Denial in order to trip me up on getting my Appeal out before XX/XX/XXXX, ( which I have caught and sent out already to them prior to this cut-off date ), but have yet to receive the facts pertaining to this denial. I am disputing their violations of my right to 30 days to review ONCE I have actually received the information that I have repeatedly asked for verbally and in writing. Once I receive this information I legally have a right to 30 days to seek legal counsel and review this decision to be sure the facts they used to determine this denial are based in accuracy and is current. SLS is using these illegal tactics in order to go through with a set sale date of XX/XX/2019 instead of working with me in good faith for a fair modification. These actions are obvious, as SLS is desperately attempting to bend the rules and laws set in place so that they can deny a homeowner the actual time to respond and the transparency of fairly providing the details of the alleged denial facts it was based on. Thank you for your time and efforts and I do intend to keep my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43615
Submitted Via: Web
Date Sent: 2019-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This account is a result of an identity theft. This account does not belong to me and it is affecting my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90272
Submitted Via: Web
Date Sent: 2019-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened. I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage that was assigned to Specialized Loan Servicing, LLC in XXXX or so. I just received my yearly escrow analysis. They indicated I have a shortage of {$1000.00}. MY taxes have been relatively stable for the last few years, only increasing about {$50.00} per year. Total taxes are around {$6000.00}. Insurance is not escrowed, I pay it direct. In XXXX, Connecticut, taxes are due XX/XX/XXXX and XX/XX/XXXX. Really, due by the end of each of those months. On the escrow analysis, it would appear the are performing a " pre-accrual '' in violation of CFR 1024.17. They have the taxes being deducted in XXXX rather than XXXX, and thus are artificially creating a negative balance in the account. Payments are roughly {$500.00} per month, so obviously deducting a payment two months early creates a {$1000.00} deficit. Under my understanding, this is a clear problem under the regulation above. Prior analysis ( XXXX and XXXX are provided ) were always done with taxes coming out in XXXX and XXXX, and there was never a problem ( or if there was a shortage, it was about {$20.00} for the year ). They have not taken my call. I sat on hold and they programmed an automatic callback that never comes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge, and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. " Rather fail with honor than succeed by fraud '' ... ..XXXX Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. Respectfully Submitted, XXXX XXXX XXXX
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: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.
Company Response:
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2019-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court, XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.
Company Response:
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my original home equity line of credit was owned by XXXX XXXX XXXX who then sold it to specialized loan servicing all payments after XX/XX/XXXX were to go to sls on XX/XX/XXXX i made my payment to XXXX XXXX XXXX, sls is saying it was never received however i have all my confirmation numbers and dates of payments, since then i have made 2 payments to sls and they said that it covers XXXX which was already paid and XXXX, the payments made where for XXXX and XXXX i have tried to have this corrected numerous time through sls to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2019-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A