Date Received: 2023-08-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My father, the primary holder on the account passed away XX/XX/2022. I have been trying to access his mortgage account since that time. I have been making payments on the account but need to speak with someone to understand the loan details. They will not speak to me even after submitting paperwork from my attorney and probate court. I repeatedly call in and they tell me to call back in 72 hours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43231
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: They apparently just took over my mortgage note & the first correspondence I received from them was a welcome notice & a late notice on the same day. I was never notified that they were taking over the note, which is equal for the prior note holder, but the issue is I was not notified and my auto debit was cancelled resulting in a late notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at XXXX who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX XXXX then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. XXXX reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and XXXX Services. We have followed all instructions, advice and XXXX to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of XXXX, and now we are financially unable to pay for XXXX Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX Transferred my Mortgage to Specialized Loan Servicing XX/XX/XXXX, While we had completed all documentation and agreement for the allowed Forbearance to be Deferred and restart of existing Mortgage Payments. XXXX DID not report any Delinquency or Default. Once I was notified, I started to contact SLS a few days per week to find out what was going on and to ensure everything already agreed with XXXX XXXX was to continue. Every call was met with " we do not have the paperwork, an account has not been created, please call back. Eventually approx XX/XX/XXXX I was able to speak with an agent at SLS who advised they had paperwork, however I had to fill out THEIR XXXX upload to them. In the meantime I started to receive MAIL dated from the beginning of XX/XX/XXXX, that our Mortgage was Delinquent and threatening Foreclosure. I hired XXXX XXXX XXXX to STOP this misinformation and actions, and SLS were advised that XXXX XXXX XXXX rules and regulations were to be followed and that they also had to abide by my application with XXXX XXXX XXXX SLS then started a Trial Payment plan of 3 months, XXXX, XXXX, XXXX, which we completed on Time. SLS account on the portal shows a REPAYMENT PROGRAM and BALANCE and NOT the Trial Payment Plan, and ALSO not the agreed Mortgage terms as signed notarized and returned VIA UPS XX/XX/XXXX. SLS reported to all Credit Agencies we were delinquent 180 days, IN XX/XX/XXXX. They did not own the loan during the forbearance, nor had any payments with SLS been set up until AFTER legal services intervened. They have also reported that my 3 payments made on time are paid, unpaid, no details. Have since signed mortgage agreement to continue original Mortgage, HOWEVER statement received today XX/XX/XXXX shows the Repayment Program NOT the Return to Mortgage Payments due to start XX/XX/XXXX. Due to this, Both Mine and My Wife 's credit scores with the agencies dropped XXXX point each. We have BOTH disputed to XXXX, XXXX, XXXX, and it appears that nothing is being done. I have screenshots, letters, documentation to prove that SLS are STILL intentionally not fullfilling the process in a timely manner and due to the Credit Score Drop, we Have Creditors, now limiting our ability to get consolidation loan, pay bills, and no real resolution with both SLS and with the three agencies. Already stretched financially by having to retain legaal services, XXXX has stated that since XXXX did not Authorize my payment to them, they are suspending our account and Legal Services. We have followed all instructions, advice and Guidance to no avail. SLS are the Cause, XXXX is unable to ensure proper business practice of SLS, and now we are financially unable to pay for Legal Services or anything while the disputes with credit agencies are still open or not resolved to truthful satisfaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are seven months behind on mortgage payments. We requested forbearance twice due to medical costs and are still in litigation with our homeowners insurance company due to Hurricane Ida damage -- the company ( XXXX ) went insolvent in XXXX of this year and as a result all has been delayed. SLS did not acknowledge our requests for forbearance and when we applied for modification ( twice ) they only offered the option of short sale or deed in lieu. We tried to pay one month 's payment to begin catching up and sent through XXXX XXXX as certified funds but SLS refused the payment and took over a month to send it back in the form of a check. They are refusing to allow us to pay anything less than the full amount needed ( in one single payment ) for reinstatement even if it would bring us within 60 days overdue whereupon we could enter into a repayment agreement with slightly larger monthly payments for a few months. This is making it impossible to catch up and they keep adding fees to the amount ( approximately {$4000.00} at this point! ). We feel like we are being forced into bankruptcy because they will not work with us.
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: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX i received a payment adjustment notification letter in mail. It indicates that the payment change will occur XX/XX/XXXX. The interest rate shows an adjustment to a rate of 6.3 %. The payment amount for current payment is incorrect in the letter. The payment amount for the future payment is also incorrect. Per the terms of my note, I should receive a payment change notice 60 day prior to a rate change. I did not receive any previous letter. I called the services on XX/XX/XXXX to discuss this problem. I was on the phone for 2 hours and was disconnected 4 times and spoke with at least 7 different customer service reps. Each one gave me information that was incorrect. After 2 hours and getting disconnected for the 4th time, I gave up. I am worried that the servicer is not accurately calculating my payment and abiding by the terms of my note and adjustable rate rider Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint Type : Consumer Complaint About My Laon Server : Specialized Loan Servicing LLC Problem description I have mortgages through XXXX XXXXXXXX XXXX for nearly 20 years, at the beginning of XXXX I received a letter saying my mortgage was transferring into mortgage servicing group I never heard about called " Specialized Servicing LLC. In a few months they said my escrow account is short and immediately raised my monthly mortgage payment. Then about 2 months ago they said I did not pay my XXXX XXXX monthly mortgage payment which I paid and had all the documents. I sent the bank stay about XXXX times. They did not accept then my banker wrote and letter showing a bank statement showing the date and the amount of money in the check they withdrew from account. Then they asked for a bank statement or copy of the check. Again, my banker wrote me a bank statement showing the check and when they withdrew the payment from my bank. The bank told me they never received the check they are asking for because they withdraw electronically. The bank also gave a tracking number which I gave to the SLS representatives. Still to no avail that is where I am. They are harassing me for a mortgage I made on time in XX/XX/XXXX. That is where I was with them last time. The problem was solved after 6 months following to Minnesota Attorney general, Better Business Bureau, and consumer financial Protection Bureau, but they were reporting my name illegally to credit period for almost 6 months, so I want them to remove that wrong credit reporting from my name. In this new complaint I received a letter from SLS on the XXXX of XX/XX/XXXX telling me as usual their mortgage increasing trick that my escrow payment short while failed to tell how come my property taxes and insurance raised by {$2300.00} in XXXX year. After last years increase due to Escrow payment increase, my monthly mortgage payment was {$1400.00}. Then shortly after that I sent them a letter spelling out in detail about the discrepancy between my Escrow shortage calculation, and theirs. Then I received a letter dated XX/XX/XXXX in early XX/XX/XXXX. In the letter they acknowledged my complaint, saying the matter is under review, but no further action was taken. To give you a hint about the behavior of this company. For the last XXXX years SLC has been telling me every year that my escrow payment is short and never notifying me what exactly is short. This fake escrow payment is unbelievably high this year, which they said is {$2300.00}. Last year they said my escrow is short and paid what they said was short, which was about over {$1000.00}. Escrow shortage happens out of XXXX things property insurance and property tax increase. Last year my property tax in XXXX XXXX was {$5100.00}, and this year XXXX my property tax was {$6000.00} and an increase of {$900.00}. Last year XXXX my property insurance was {$4000.00} and this year XXXX my property insurance was projected to be XXXX and that is equivalent to an increase of {$700.00}. So, when I add up my XXXX property tax and property insurance, I got a total of {$1600.00} and that this was supposed the amount of Escrow increase beginning from XX/XX/XXXX, by Specialized Loan Servicing LLC which is my current mortgage company is asking me to pay an Escrow shortage payment of {$2300.00}, and the difference between their Escrow payment calculation and my calculation is {$720.00}. I sent a letter explaining the discrepancy between my calculations and theirs regarding the Escrow paying shortage, they acknowledged my complaints saying the matter is under review. If I do not pay the {$2300.00}, they asked in XXXX voucher, my monthly mortgage will jump from XXXX to {$1700.00} a jump of {$320.00} in XXXX year that is unbelievable. Comments I have read the rating of this mysterious company and there are so many complaints as well a lawsuit against them which they settled. The company also never wants to disclose their investors. They also failed to tell that their mortgage is not backed by XXXX XXXX, XXXX XXXX, or the other agencies. They seem like a group of immoral gangs who are bent on increasing peoples mortgages by any means necessary. This is a Shaddy mortgage group operating in our state and out of country unknown group, and they have no local office you may complain to. I hoping the government do something about this mortgage group of people who are ripping off Americans. Mortgage Company Address : XXXX. XXXX XXXX, XXXX XXXX XXXX CO XXXX tel. # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our loan was transferred to Specialize Loan Service from XXXX XXXX on XXXX/XXXX/203. We had made several large payments to the principle prior to the transfer. Our statement close on XXXX/XXXX/XXXX reflected the payments. We did not receive a statement close in XXXX and I called and they could not tell me why. They had also reversed a {$22000.00} payment we sent and said it was not ours and it was misapplied. We were told we had to send them proof. We did. There is still no resolve and they have not fixed the issue an want to bill us interest to pay on the {$22000.00} they say we owe. The service department told us today that yes the have to payment info but nothing has been done. It is has been almost XXXX months. We still have not received a statement from XXXX. We are still being billed the interest and finance charges on the XXXX which is over {$600.00}. We are at a loss on what can be done. I have emailed the CFO of the company as well. I believe they are dragging their feet for profit.
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: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I hope this message finds you well. I recently noticed that my mortgage payment has increased by {$210.00}. However, when I reviewed the escrow analysis, it showed a shortage of XXXX, which seems odd since I have been making all my monthly payments on time. Additionally, I wanted to mention that I am currently unable to afford the new payment. I'm feeling overwhelmed and it seems like no one is providing the necessary help. I kindly request a detailed breakdown of the extra charges and a clear explanation of where they are coming from. It's important for me to have accurate information to understand this discrepancy. Thank you for your attention to this matter. I look forward to your prompt response and a resolution that provides clarity. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02909
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I work in farming outside the country but we just have gone to the worst rain and flood season in the past 27 years. We have not been able to harvest our crop since XX/XX/2022. We are now in the process of rehabilitation of the plantation and it will take the rest of the year to be in good standing. I have just proposed the lender to pay 50 % of what is now due, but they did not want to accept any partial payments. Only the full reinstatement amount. I asked them to take the 50 % now and within a month make good on the other 50 % but they are not accepting the offer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A