Date Received: 2019-05-22
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I have asked SLS to verify debt they failed multiple times. They have been unprofessional and rude over the phone sending piles of letters to both my parents who are not on the property title. Threatening to foreclosure on my property they have filed a lien with the county against my property. My first mortgage and the owner of my mortgage XXXX XXXX said they are a scam and not to pay them. I only have one mortgage and is with XXXX XXXX XXXX I am current. I dont know what this mortgage company SLS is talking about. They claim is a second mortgage HEloc. Last I knew about this was back in 2012 when XXXX formally known as XXXX charge off this debt later I asked them to send me the XXXX which they did. So why is SLS trying to collect a charge off debt? And why are they sending me statements with different amounts owed? Please help SLS said they have started the pre-foreclosure process. I contacted my current servicer and mortagage owner ( XXXX XXXX ) but they said they are un aware of the foreclosure cause SLS has not notified either of them. Doesnt the first mortgage have a right to know this is happening?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95076
Submitted Via: Web
Date Sent: 2019-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX, I closed on a mortgage that was serviced by Specialized Loan Servicing ( SLS ). At the closing of the loan, I paid {$6000.00} from my own funds towards property taxes. This is clearly recorded on the HUD, and I have the receipts from the county tax office showing the payment was taken from my funds and mailed out by the title company. I also paid {$1300.00} to set up escrow with the servicer SLS. A year later SLS sent me a escrow analysis claiming they had paid the XX/XX/XXXX property taxes from escrow and that I now owed them {$4600.00}. I spent 8 months writing letters and making phone calls trying to get them to correct this mistake. I sent them the HUD statement, receipts from the tax office, wrote letters detailing their mistake. Finally, they made an adjustment to my escrow in XXXX of XXXX. Around that time, they refunded some of the money they had collected towards escrow and told me to wait until the new analysis. They also reduced my payments from a higher amount, which I was forced to pay to not foreclose. In XXXX of XXXX, I received a 1098 not showing the correct amount of property taxes paid. I called and asked them to fix it. Even though the representative acknowledged the mistake, she said she couldnt fix it. I put the correct amounts on my tax forms and inquired with the IRS about what to do in these situations. IRS rep told me SLS is required to fix and provide a correct 1098, but, to this day, they havent. Then, SLS sent me another escrow analysis, still with totally incorrect numbers that were not fixed. Instead of going back and fixing the error from the beginning, they just put a random amount as credit towards escrow. I called and request that they go back and do the works so the numbers represent the actual payments. The representative pretty much laughed at me and said they wouldnt do this. All I am requesting is a correct escrow statement representing the real payments and not some patched together statement with made up numbers. Also, it would be great if they could give me a correct 1098 for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I would like to explore the feasibility of holding my mortgage servicer accountable for what I deem a deliberate and prejudicial attempt to delay or deny myself and others from mortgage assistance opportunities, with the express interest to foreclose upon our homes. OVERVIEW I have lived in my home for 20 years. Due to loss of income and hardship I have been behind on my mortgage payments for quite some time, and have been working with an attorney to delay foreclosure until such time as I could reasonably get back on my feet and apply for a loan modification. I began the application process for a loan modification review in XXXX of this year and after countless submissions of paperwork and requested documents, Specialized Loan Servicing has exhibited a pattern of conduct that lead me to believe they are deliberately stalling my application for mortgage assistance, or at minimum become negligent in the duties to serve the consumer. PATTERN OF ACTIVITIES They have rejected documents multiple times claiming they were not legible despite all of them being emailed as high resolution pdf files and / or digital photos. They have claimed erroneously that some documents were not signed even though they were. They have claimed to have not received some documents while receiving others, from the same email correspondence to them. They have neglected to return a single phone call despite requesting call back from my point of contact and multiple times. They have hung up on me as I requested clarification as to why they are making erroneous claims about documents. They have cited irrelevant details about documents as a basis for rejecting them, such as expiration date of driver 's license not being legible among many others. They have agreed on the phone to have received all documentation on multiple occasion only to then tell me a week later that they have a list of things still outstanding, things that I had already submitted. They have delayed my loan modification application process to where original documents have now expired and the entire process needs to start over. While it may seem like I am a disgruntled consumer, My experience despite going back and forth with them on the phone countless times, is they they have no intention of servicing my request for mortgage assistance, and have only sent me on a wild goose chase of document submission and resubmission, only to drag it out as long as they can to foreclosure trial. OUTCOME I believe in my experience with Specialized Loan Servicing that they have given me the run around on purpose. I believe that a secondary hypothesis is that they are highly negligent. The consumer is being harmed adversely as I am about to lose my home, and possibly their negligence or run around is being done to push me to a foreclosure trial with no intent to try and help with mortgage programs supposedly made available to us. My outcome is to hold Specialized Loan Servicing accountable to their negligence and actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2019-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS responded without answering the question and continues to deflect by asking for information that is already provided. It is a business ploy hoping the consumer will give up. I have all the time in the world to make sure a company does not misrepresent my account. Here is the last line of the latest SLS response : If your records differ, please forward payment documentation, such as complete, unedited bank statements reflecting any disputed payment, for additional research. The attachments were provided in a letter to the company on XX/XX/2019 and attached to complaints. The company is using circular logic where they answer without responding to the question, hoping the Consumer will give up. I have all the time in the world when it comes to a company trying to misrepresent my account. For the 3rd time, the attachments show no payment due. SLS is avoiding the issue by not reading the receipts already attached in complaint # XXXX and in a letter to the company dated XX/XX/2019. Let 's see if they acknowledge the receipts attached and admit there was no payment due for those months as stated in the receipts. I continue to honor my responsibility by paying each month, but SLS does not honor its ' accounting. If SLS notes there is not payment due ( see receipts attached with this complaint, in complaint # XXXX, and in a letter to the company dated XX/XX/2019 ), then there is no payment due for that month. This is not the 1st time SLS has tried this tactic and then had to admit their error. See complaint # XXXX. Are they cheating Consumers? Does it matter that this company continues this practice? Your organization needs to escalate this to the appropriate Regulator. Just because the company responded does not mean the complaint is closed. I need cfpb to actually protect consumers. Forward this complaint to the appropriate regulatory body for mortgage lending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2019-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Good day Sir /Ma'am, I took out a second mortgage on my home in XX/XX/XXXX with XXXX mortgage for XXXX. After paying almost 2 years on it at XXXX a month my family succumb to financial hardship due to my illness from XXXX. At this time we choose to modify my first and second mortgage through XXXX XXXX XXXX. I was face to face with the XXXX reps when the modified both and signed agreements. In XX/XX/XXXX years later XXXX DEBT COLLECTOR said I owed XXXX for the second mortgage. After calling around skip tracing, contacting family members, belittling me and wife, and calling weird hours of the day. I finally made a complaint with CFPB. Then for a minute or two we had peace of mind. Then in XX/XX/XXXX we got transferred SPECIALIZED LOAN SERVICES. This company not only add interest back from XX/XX/XXXX till now but, they send both me and my wife FORECLOSURE notices just last week in XX/XX/XXXX for XXXX. Interest fees, late fees, service fees and I am assuming lawyer fees as well. As I look on my county record dept. website I dont see a thing. Ever since XX/XX/XXXX do I see anything referring to a second mortgage. No tax or irs papers for interest, nothing on any of my fica example ; equifax, experian, or transunion. In XX/XX/XXXX I ask them to stop calling me everyday and stop the mass mailings. They continue to call even up to today I block there many number several times. I am not sure if my STATES STATUTE OF LIMITATIONS apply in my case after the barrel rolled the time.Please we need clarity before we lose our home. HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing currently reports a foreclosure for a trade line that has no foreclosure event.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For at least 10 months, maybe longer now, I have not been able to get into my online account on a regular basis with Specialized Loan Servicing, my mortgage servicer. I do receive a paper statement, but my online account has had so many issues I can't even access it any longer. First my issues were that it told me it didn't recognize my SSN upon login to find my account/loan ( or my loan # if I used that ). Then it wouldn't recognize my password at all and I'd spend hours trying to reset it just to get the same notification. My most recent/current issue is that I can't even get past security questions because SLS tells me my first born son 's middle name is incorrect - sorry, but I didn't forget. Due to how I'm being paid and the XXXX young children I have at home, I don't have the ability to pay before the XXXX of every month. With prior loan servicers I could set my own due date when I on-boarded into their system. SLS does not provide this option. The first check I receive each month goes to my daycare. I can't afford to pay both daycare and my mortgage in one check. I get that this issue is mine and not my servicer 's, but that's the position I'm put in and I can't help it either. I have had to call their company every single month for nearly a year to pay over the phone or see if my online payment ( on the off-chance I could get into my account ) went through. I think that happened a total of 3 times in the last year, if that. I have spent countless hours on the phone with SLS to try and resolve this issue and/or pay them my mortgage trying to avoid the issues I repeatedly encounter. Since I can only talk to someone during the day, I'm doing all of this during my business hours. If I billed SLS for all the time I've spent on the phone with them during my business hours just to pay my bill or try to get into my account, they would owe me over {$600.00}. This doesn't even include any of the fees I've had to pay due to having no other option than pay over the phone ( {$12.00} each occurrence ) or due to late payments b/c I couldn't get out of work obligations in time to get my payment through by EOD on the XXXX. The fact that their company, in nearly a year, has done absolutely NOTHING proactively to fix this situation, even though I call EVERY SINGLE MONTH. Speaks volumes about who they are as a business. The fact that they don't care, so I end up paying them fees every month, speaks volumes. I have never in my life dealt with a more corrupt, fraudulent, absolutely amoral business EVER, in my entire life. Not to mention in all this time and between all the different representatives I've talked to, only TWO have had any sort of kindness or sympathy for the situation their employer is putting me through. I've had enough. There has got to be some sort of regulation that prohibits a servicer from continuing to profit off of their own inability to provide online account access. I can't take another phone call to SLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57105
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am facing a foreclosure sale date on XX/XX/XXXX. I have been trying for three years to get my mortgage lender Specialized Loan Servicing to work with me and provide information on the transfer of my loan to their company. My wife and I had this home built and have lived here over 20 years. We are both retired and on fixed incomes and have tried to get SLS to work with us. They have been difficult to deal with and have refused to provide me with requested information. After I got an Attorney involved to obtain an accounting and this information, they offered me a temporary modification, which I accepted and made the payments as agreed. However, when I received the paperwork to make this permanent, they had increased the payment almost {$700.00} a month to start, and it would keep going up over time. I was also shocked that there was a balloon payment of {$250000.00} added to the end of the loan?? My balance is only {$370000.00} and after 30 years of payments there would be an additional $ XXXX added? I asked for paperwork to back up the application of payments and accounting and this has not been provided and instead they have pushed me towards foreclosure. As mentioned, my wife and I have lived her 20 plus years. We bought the land, financed the construction and hoped to spend the rest of our days in this property. We have discovered some irregularities and inconsistencies in our mortgage paperwork and have requested on multiple occasions that SLS provide us with documentation, but we have been blocked at every turn. We were coerced into refinancing into a predatory loan while XXXX XXXX XXXX held the rights to our loan and the interest rate of 16.9 % was not affordable for us. This coincided with the recession and unemployment and my eventual retirement after 30 years with the postal service. We were eventually able to get a loan modification and get back on track. However, the loan was transferred to SLS on XX/XX/2015. At that time, I requested certain documentation relating to my loan payment history and documents from origination. I received a letter from them stating that this information had been sent to me, but that statement was false -- I never received this information. My wife and I are both retired and on fixed income. My sister stays with us as well and helps with the bills. We have sufficient income to afford a fair and reasonable loan modification. However, we are still requesting the information relating to the transfer of our account -- specifically 1. Copy of the promissory note 2. Copy of the Deed of Trust 3. Welcome letter from your company verifying the service transfer and the new role of SLS in the process 4. Escrow accounting and analysis 5. Payment history with transaction codes 6. Pay-off information 7. Signed modification paperwork from previous agreements 8. Copy of the Deed of Trust that has been transferred to SLS 9. Copy of the Pooling and Servicing agreement for SLS and investor We want to resolve this matter but need Specialized Loan Servicing to work with us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-13
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: We have a prior case number with the CFPB. # XXXX the account # XXXX. On XX/XX/XXXX, we received a letter from Specialized Loan Servicing ( SLS ) stating that the money we paid them was voluntary. yet back on XX/XX/XXXX, the letter we had stated Default Notice and Notice of Intent to Foreclose. What we ended up doing was borrowing XXXX from our retirement to reinstate the loan as this was the only real option given by XXXX XXXX, Teller ID # XXXX to protect us from the threatening foreclosure process. Our reasoning was to not lose the sizeable equity we have in the home. Since reinstating the loan we have grown tiresome of the company and the way they do business. Fees here and there so we have decided to refinance the home with cash out to pay back the retirement borrowed and to get rid of SLS forever. The payoff they require is XXXX that's XXXX total. Is that fair? The original loan was XXXX and it was discharged in the bankruptcy. Upon researching this company and I hope you do. You will find they are predatory and are heartless. When you call you can not talk to anyone with a title, nor can you speak to a manager unless you have a CFPB Case #. Even then they are rude and will talk over you and won't let you be heard. We wanted to try and settle with the resolution/loss litigation dept and see if we paid a lesser amount to make this go away and the representative named XXXX wouldn't let us speak. They won't even give us a statement of our account. They say the legal dept won't let them. We are going to finish the current cashout payoff to get rid of SLS, if there is anything that you can do to help us recoup any of the XXXX from SLS we would appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89509
Submitted Via: Web
Date Sent: 2019-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: *My husband and I have been having financial and health difficulties ( XXXX XXXX, XXXX, XXXX- XXXX XXXX XXXX XXXX XXXX XXXX ) since XXXX. *We were not able to pay our mortgage or equity line or credit card bills. *In XXXX, XXXX had given us a loan modification with differed principle of {$300000.00} but we were forced to rent our principle residence out to maintain the modification payment. *Our modification payment has increased to {$4000.00} as of XX/XX/XXXX. *We also have an equity line of {$180000.00} originally with XXXX XXXX who sold it to XXXX who sold it to SLS *I have been trying to workout a settlement with SLS but they refused to accept my offer on several attempts *Instead they came up with their own structured payment of {$650.00} monthly on an increased balance of XXXX. I am in no condition or financially capable to make such payment monthly. *After submitting a complaint to CFPB on XX/XX/XXXX, SLS responded with a threaten notice ( see enclosed document attached ). *If I do not agree to their terms they will foreclosed on my property. And a demand of {$200000.00} due on XX/XX/XXXX. And continuously phone calls harassing me and threaten to foreclose. *Just yesterday, XX/XX/XXXX, I received a phone call from XXXX XXXX who tells me to sell the property if I can not afford to pay the amount of {$200000.00} that due right now. *I asked to talk to her manager, so Mr XXXX XXXX supervisor took over the conversation on the phone, He said if I can not pay {$250000.00} by XX/XX/XXXX, I will be reviewed for foreclosure. I beg them to please communicate with me through email, because the phone calls are too stressful and had increased my XXXX XXXX to XXXX. But He refused and said they are not aloud to do that and continued to harass me with threatening phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A