Date Received: 2019-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: When the mortgage NOTE was transferred to SLS from XXXX XXXX XXXX was it a electronic NOTE? Information shows that the NOTE was securitized in 2006 ( see attachment, Line 6. XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have provided all my current financial information to the lender and they keep asking me about a job I no longer have! They have removed me from review for no reason and we have already contacted their office within the last month over 8 times advising they have incorrect information Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08205
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have tried to get a loan modification from SLS ( SPECIALIZED LOAN SERVICING ) My hardship started when both my parents got sick. My father had XXXX XXXX and My mother was diagnosed with XXXX both at the same time. My father and I have owned a company for over 30 years. My Father could not continue to work any longer. They were both put in XXXX at home. Both my sister and I were there to care for them as their health started to rapidly get worse. I was unable to work as both my sister and I would switch off taking care of them. In XXXX of 2017 my parents XXXX XXXX 11 days apart. Since then I have had to file Chapter XXXX. With being so behind on my payments I have a XXXX regular mortgage payment and a XXXX Chapter XXXX payment. Roughly XXXX per month. So far I am keeping up however being self employed I do not know how much longer I can do it. If SLS sees that I am making both payments why wouldn't they help me with a loan modification so this would relieve some of the pressure? I have put almost XXXX worth of work in my home and don't want to leave. I would hope that they would give me a shot at a loan modification. Have a little heart and see what I have been through,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60068
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Talked to SLS today, had an attorney XXXX XXXX XXXX, helpling me but is a scam, didnt know what they submitted, then get a letter about short sale, XX/XX/XXXX then sent to them on XX/XX/XXXX no response. Talk to rep, said sale XX/XX/XXXX, refaxed modification and removed XXXX XXXX XXXX, but said no time?!?!? If need to short sale how can i list in 2 weeks!!! Know not an excuse but didnt sign anything with the law group, doing it on my own now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60623
Submitted Via: Web
Date Sent: 2019-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been trying to get a lien removed/release from Specialized Loan Servicing. After filing a complaint with CFPB to finally get a response to why XXXX XXXX was holding title to my primary residence they advised I needed to contact Specialized Loan Servicing. I understand that back in the early XXXX 's loans were being sold even before the 1st payment was due. I had 2 loans with XXXX when I purchased the home. I filed BK in XXXX and listed both loans and was discharged. It was brought to my attention that the 2nd lien has not been removed and after submitting a complaint to CFPB I got a response from XXXXXXXX XXXX that advised to contact Specialized Loan Servicing. They will not send anything to me since the systems says I am in a BK even though it has been discharged since XXXX. I have sent several letters to Specialized Loan Servicing but they can't speak about the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have gotten behind ( well been behind for some time on my loan ). My mortgage servicer Specialized Loan Servicing sends me a monthly statement indicating my amount/s and what I have paid. On this statement it shows Fees/Charges/Optional Product with a {$0.00} balance but yet the past 2 times I have called them they have advised me verbally that I owe them over {$300.00} in late fees. How can you indicate on my monthly bill that I have no late fees but yet say that I owe you late fees over {$300.00} ( can't remember exact amount ). I feel that they are being untruthful in not disclosing to me that I am being charged a late fee when they send out my monthly statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX sold my loan to Specialized Loan Servicing ( SLS ) last year. In the transition my escrow account paid for my hazard insurance. I sent the bill to SLS after they rejected it with the agent. I was told they were looking into it. It's been 2 months and now the coverage cancelled XX/XX/19 per a letter received from XXXX 's XXXX today. This is fraud by trying to force me into taking out their coverage at double the rate since my coverage is now cancelled based on their breach of contract and an additional XXXX fee has been assessed. Total due to XXXX 's is XXXX and the agent is at XXXX XXXX XXXX XXXX, policy XXXX. SLS should be sanctioned based on this fraudulent activity. Please assess penalties and interest on my behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I'm contacting you in regards to my mortgage company. My mortgage company put forced home insurance on my account which I never approved or authorized or signed for. They are trying to bill me for about 3 months for having a lapse in coverage and they tell me that it will only cover if my four walls fall down, which I've never heard of a insurance company not covering more. The amount that they are charging is almost how much I pay for home insurance in one year. They sent me a bill on XX/XX/2019 for {$1000.00}. I contacted them and told them that that was way more then it should be. They said that they couldn't credit or waive any amount and wouldn't work with me or speak with me anymore about working with my account. I then sent in my XX/XX/2019 payment for {$1000.00} and they never applied my payment to my account. I contacted them and asked them why and they said that I hadn't paid the amount that they had billed extra for the home insurance and since they didn't get the whole amount that they wouldn't be able to apply the {$1000.00} to my XX/XX/2019 payment. Now it's XX/XX/2019 and I contacted them again and they said since they hadn't received the whole amount that they are charging for the XX/XX/2019 bill that they are going to report it to the credit bureau as late. They are basically holding my payment as ransom and refuse to apply my payment to my XX/XX/2019 bill. Not only that, but when I send in my XX/XX/2019 payment for this month of {$1000.00}, they will apply whatever they want to the XX/XX/2019 bill and they deduct that amount from the XX/XX/2019 payment, then my whole XX/XX/2019 payment will not be applied and then they will wind up marking that as late also and holding that payment ransom also, even though the bill will be on time. Then I will keep being late on my account, having it reported to my credit, and them taking whatever they want out of my money to supposedly apply it to the home insurance, but I really believe that they are scamming me out of my money and want to have them investigated and reported and for this to be taken off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I always paid my mortgage to XXXX XXXX XXXX online until one day out of the blue it said you must now send payments to SLS Specialized loan servicing .... after it was already shifted from XXXX. I recently asked for a loan modification and they said no, but then sent me the modification in the mail saying congratulations ( odd? ) But ok so I made the 3 months of lowered trial payments, then they all of a sudden increased it right back, up another {$50.00} a month saying they overlooked something on the escrow account ( but didn't know what exactly when I asked ). In fact, they never have any answers like where the extra {$800.00} fee came from, why my principle was down to like $ XXXX now back up to XXXX and they call, but when I answer they just hang up ( like it's a machine ) or a machine leaves a vm saying " sorry we missed you ''. Anyway, so yes I'm behind again because they increased my payments again which is not the payment I agreed to. So, today ... I was in the shower getting ready for a meeting when my dogs starting going crazy, so I assume there was a sales pitch at the door or something, but as i walk to my bedroom wrapped in a towel, i look out my bedroom window and there is this old guy standing right in the middle of my yard taking pictures ( creepy! ... if you are going to take pics, take them from the street, not outside my bedroom window! ) ... then he proceeded to walk around the house to my back yard, driving my dogs nuts, goes back up to door, looked in my MAILBOX ( federal crime ), walked down my driveway, glanced in my car, then sat in his car that was parked on the road. Unless you are a police officer with a badge, and proper authority, you have no right to be snooping by my windows. Then, when he saw me open the door, he pulled his car into my driveway behind my car so that I couldn't leave ... and just SITS THERE ... it's raining out now, I'm dressed for a meeting that I'm in a rush to get to, and I'm like " excuse me, you are in my way and I need to leave for work '' so now I'm out in the rain, standing at his car and he's like " well, I got these papers here from sls and I just need some info from you like your date of birth and yada yada ... '' and I said, I'm sorry, but I don't know you and you have not shown me ANY identification and if you work for sls, then you should already have my date of birth ... so just give me the paper. You have now made me 5 min late to my meeting and this is illegal to trap me in my own house and snoop thru my mailbox and sneak around my house without proper authority! I know I'm behind on my payments but at the moment I still LIVE HERE and to me you are just some strange old creepy guy that " claims '' he works for my bank ( which I'm not sure if my bank is XXXX or SLS to this day ) but whatever. I want to keep my home but I can't keep dealing with this company. You tell me my payments are like {$820.00} then 3 months later {$870.00} .... and you just keep adding to principal and I'm exhausted trying to deal with it. I never signed anything asking for this company to service my loan anyway. Just leave stuff alone and I would have been fine. I was laid off a couple times, I got caught back up but sls makes it impossible. No one on the phone ever has real answers and always rude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61614
Submitted Via: Web
Date Sent: 2019-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my husband due to XXXX. I am on the title, but not the loan for our home. The estate has gone through probate and I am now sole owner listed on the record. I sent this information to SLS and with a loan modification request. I DO NOT want to lose my home. I can afford it, if I can consolidate two other loans. A simple refi/loan modification would solve this. However, SLS, instead of completing due diligence simply closed out my request for a modification. I am requesting that this modification be opened again. In addition, I received another letter also attached stating they needed information that I had already sent in with the loan modification. This is an extremely stressful and emotional time. Again, with some refinancing, I can afford my home and do not want to lose it. I am requesting that you investigate and hopefully streamline
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2019-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A