Date Received: 2019-08-19
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: SPECIALIZED LOAN SERVICING has refused to report my mortgage tothe credit bureaus because they say since I had a bankruptcy (that did not include the mortgage being dismissed and we kept paying on the whole time and still pay) they will not report to the credit bureaus for the lifetime of the loan and I have to pay it off before they can report it. I told them it didn't make any sense. 1. My loan had been with XXXX XXXX for over 16 years and they never stopped reporting to the credit bureau. We even restructured our loan several times and everything was reported. 2. Bankrupties should not keep them from reporting to the bureau. Especially after discharge! My bank is the one who told me it wasn't being reported. I am never late and it is auto drafted. I spoke with a supervisor and she said all she could do was send a verification that I make my payments on time. I said that is not good enough for the bank and does not help my credit score, which btw would be higher if it was being reported. I told them I need a statement from them stating the issue so I could show my atty. They transferred me to the "bankruptcy" dept. Which is actually a 3rd party vendor named XXXX XXXX XXXX and they said I have zero file there, the supervisor was wrong to send me there, and the fact they were not reporting me was completely wrong and that is not how bankruptcies work. I have no idea what to do but don't think I should have to pay my atty to get involved. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2019-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Per a 2nd Judicial District Court of New Mexico Court Order, the order states the "mortgage and note are unenforceable." Case is closed. * XX/XX/XXXX – Denied Motion; Order On Plaintiffs Motion For Clarification Or Relief From Order Of Dismissal* 1XX/XX/XXXX – Case Dismissed With Prejudice; Order On Statute Of Limitations DefenseSpecialized Loan Servicing continues to harass me. On XX/XX/XXXX, a field representative posted a notice stating the home was "found to be vacant" and "it is likely that the mortgage holder will have the property secured and/or winterized within the next few days." The house is obviously occupied. I called XXXX and spoke with XXXX on Monday,XX/XX/XXXX and let him know the home was occupied. I have sent multiple letters with electronic and signature delivery to Specialized Loan Servicing over the years, and they continue to the harassment. Please advise them to stop all collection efforts, harassment, etc. Additionally, in XX/XX/XXXXthey assigned the account to a company called XXXX, I sent XXXX a QRW (letter language attached below). Now Specialized Loan Servicing is stating the account is coming back to them from XXXX. Please advise Specialized Loan Servicing to stop all communications, as this mortgage and note are no longer enforceable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87108
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We paid $XXXX to lower our principal in order to pay the house off faster and also to get the Private Mortgage Insurance (PMI) of $XXXX per month cancelled. I’ve been calling them trying to get them to do something for over a month now and they keep ignoring my requests. I have paid my loan down to approximately 64% of it original value and they are trying to apply non specific charges of possibly $XXXX to re-appraise the property. I wouldn’t even have PMI if I owed this much on the original value of the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37865
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am XXXX as of a year ago in XXXX, filed chapter XXXX bankruptcy which was filed on XX/XX/19, loans against house through loancare and XX/XX/XXXX were both taken off credit report, ex husband changed loans through another company for house and now my name is back on loan as joint account holder and it is on both XX/XX/XXXX and XX/XX/XXXX credit reports after having been removed from bankruptcy, talked with XX/XX/XXXX, not easy to get this task done, also emailed XX/XX/XXXX but forms are difficult to complete and although it was taken off credit report and put back on by them I have to jump through hoops to get this done, in a nutshell, specialized loan servicing has my name on account, cannot contact them or talk with anyone because I have no account info, so I am in need of assistance. bankruptcy lawyer more than willing to submit papers but no one even has a fax number, but tons of forms to fill out, I don't understand how it was taken off by them but placed back on in error but not able to be fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47201
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 I contacted the company and asked them that I would like to take over my property tax and home insurance.The company refuses to accept my request.There are saying that my loan is not setup this way.Pls help me resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
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: Loan # XXXX XXXX XXXX My loan was sold, transferred from XXXX XXXX XXXX XXXX. to SPECIALIZED LOAN SERVICING ( SLS ) XXXX, XXXX. I received no notice of this transfer either in writing or by phone. I continued to make payments, on time, to XXXX XXXX through XX/XX/XXXX, when I was notified by my bank onXX/XX/XXXX that my last payment of XXXX was returned. Spoke with a representative at Loancare XX/XX/XXXX regarding status of account. Rep XXXX notified me of the transfer. She verified my correct mailing address but had an incorrect phone number for me on file. Call Specialized Loan Servicing XX/XX/XXXX to verify them as the new servicer. Spoke with representative XXXX and she verified new account. SLS had an incorrect phone number and address on file for me. Somehow, my correct information was not transferred along with my loan. If letters were sent, they went to the wrong address. If SLS attempted to call, they called the wrong phone number. I know XXXX had my correct address ; I have a statement from them with the correct address. I was promised a phone call by the representative XXXX on XX/XX/XXXX from a manager since one was not available XX/XX/XXXX, and did not receive a call. I called SLS ( Specialized Loan Servicing ) XX/XX/XXXX and spoke to a representative regarding a payment made that did not apply to my account. Found that the funds went to a Suspense account and did not apply to my payment. Representative sent me a statement regarding my escrow funds which I did not receive by mail or call since all my contact info with SLS was incorrect. Without notice or reason, that rep dropped my call or attempted to transfer me to another department. Another representative answered, I went through the verification process again and explained the purpose of my call. This agent could see that attempts to correct my contact information, mailing address and phone number, were not correct in SLS system. I had called on XX/XX/XXXX to correct this information. This rep promised a call from a supervisor team, and escalation team regarding why all my contact information was not correct and I was not receiving statements or calls regarding account status. This call was also dropped without notice or conclusion. I was not notified of a loan transfer ; I continued to make payments on time, which were processed. Once I learned of the transfer, I immediately made a payment to the new servicers, XX/XX/XXXX through my bank. I do not believe I am responsible for any late fees, nor there any negative reporting to my credit standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63130
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I states in my loan modification agreement that I have 60 months to repay the escrow account. Specialized loan servicing changed the terms of an existing home loan with out my consent. They decided that 60 months was to long to pay back the Escrow shortage four months after acquiring the loan from XXXX XXXX XXXX. They increased the amount of my loan and told me that I short paid them even though i paid according to the agreement I had with the previous lender. I asked them to honor the terms and i was to that is not in their protocol and i would not be able to pay the amount back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2019-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 I made a mortgage payment to Specialized Loan Servicing # XXXX, on XX/XX/2019 I had a payroll check bounce to me which caused my account to be in the negative, I contacted SLS and informed them of the situation and that the payment I had just made might bounce and I wanted to make another payment from a different account in order to ensure no late would occur on my loan, XXXX from SLS on the phone told me that this was not necessary and that if a payment was returned they would repost it and I could ensure the funds were available. On XX/XX/2019 my payment to SLS bounced and I called again to inform them of the situation, I then made arrangements for a new payment to post on XX/XX/2019 when my payroll check was made good, I also set up another payment for XX/XX/XXXXto be taken out on the XX/XX/XXXX. SLS took out both payments, these payments were the first to pay for the XX/XX/XXXXpayment that had bounced, and the second payment on XX/XX/XXXX was for the XX/XX/XXXXpayment, I was not late at any time for XX/XX/XXXX. I then made a XXXX XXXX payment on XX/XX/2019 for the XX/XX/XXXXpayment after talking to XXXX at SLS who informed me that I needed to send a payment via XXXX XXXX in lieu of paying over the phone, I asked him why I would need to do this and he stated that the payments I made in XX/XX/XXXXwere incorrectly posted and being held and he was taking care of this to ensure the problem was fixed. On XX/XX/2019, I talked to a XXXX at SLS who informed me that they were refunding me my two payments I made in XX/XX/XXXXand then going to require me to then send them again XXXX XXXX, I was shocked at this and asked him to clarify how they could justify refunding me payments that they had set up with me, received, cashed, and taken from my account and then tell me that they would refund me these payments and require me to then send them again which would cause me to then be late and they would then add on fees, and collection notices. I asked him when this would be happening and he said it would take two weeks, I pointed out to him that at this time I was current and paid ahead on my mortgage and that if they then refund me two payments and then take two weeks to return those funds that would cause me to be late again, and would cause me undo financial harm since I had in fact made those payments. He had no explanation and told me he would escalate the situation to management which would take two weeks for them to respond. Now on XX/XX/2019, SLS has reported to my credit report ( 2 ) 30 day lates, and ( 1 ) 60 day late when in fact I have NEVER BEEN LATE! Due to the late 's reported to my credit I was contacted by XXXX XXXX XXXX XXXX and they informed me that because of the late reportings to my credit report for my mortgage by SLS that they cancelled my credit card. I was also contacted by XXXX XXXX where I have a XXXX XXXX Line of Credit and they also informed me that my Line of Credit which I use to XXXX XXXX as a XXXX XXXX has been cancelled due to the lates that SLS has reported showing me with ( 2 ) 30 day lates and ( 1 ) 60 day late. This is devastating I have now lost my ability to obtain building supplies and I have lost more than {$15000.00} in income for this month alone without the ability to perform. I have lost my credit card that I use for expenses of my job due to the misrepresentation by SLS. SLS has committed Predatory Lending Practices by these actions, they have erroneously reported my as late when I am not, they have harassed me by taking funds from my account on time and then trying to tell me they will eventually refund me those funds yet now report me as late. They have damaged my credit, and seriously damaged my ability to earn an income with their actions. I have attached all payments showing posted to my account to verify that SLS has in fact received all payments on time and that SLS has no basis for these claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/19I set up auto pay online with my mortgage company to start XXXX and received an email confirmation and an on screen confirmation of the start date. I made an online payment XXXX for {$1200.00} to be current for XX/XX/XXXX's payment. XX/XX/19I received notice from my bank that an auto draft came out from my mortgage for {$1200.00} which was a duplicate payment as they were not authorized to start until XXXX. I contacted the company and made them aware of the situation of the draft in their error and asked for a refund as it put me in hardship as I am paycheck to paycheck. The customer support line said they would put in a request for refund and should occur within 7 days. I called for status updates and spoke with several supervisors who were of no assistance on when someone would look at my case. I requested the escalation team of which over a dozen phones calls nobody is able to give me with confidance anything is being done. The entire company is based off of email and all I keep getting is we emailed them with no updates. XX/XX/XXXXI finally was told that they would auto credit my account as that was how they took the funds. I didn't receive refund after 3 days and called back with it was mailed as paper check and now once I get it would be held by my bank for 10 day ensuring me that 7 days I would get the check. After 10 days with no funds I called the escalation team and they said we don't even know if it was mailed we will email someone ... .I was then told that they would request to stop payment and have someone overnight me a check again they would have to email someone nobody can call anyone or transfer all done by email to the dept XX/XX/XXXXcalled for updates daily and now I was told today that they re-issued a check and that dept didn't respond to the email the escalation dept sent and regular mailed my check ... ..still waiting and no assurance of my money they took without my permission. The customer support was unacceptable with no assurance that it would be handled. Everyone passed the buck to an email response. I used to be with XXXX XXXX and they sold us to Specialized Loan Services ... has been a horrible experience
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37214
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Specialized Loan Service in XXXX XXXX, CO is making up fake accounts and reporting them with late payments on my credit reports. I never had any accounts with them and don't owe them any payments but they put 90 day late payments on my credit report and total destroyed it. Please have them remove it from all my credit report ASAP.
Company Response:
State: CA
Zip: 94513
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A