Date Received: 2019-01-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC has forwarded a 1098 Mortgage Interest Statement without providing proof of chain of custody. SLS on the attachment is misrepresenting this unmerited debt by stating that my balance is {$13000.00}. I am confused about these statements from SLS stating I owe them because they are my creditor per the documents attached. I never executed documents with SLS. Most importantly SLS refuses to furnish documents of ownership thru chain of custody. I can not and will not include these documents and number on my tax returns. I DO NOT OWE THIS DEBT STATED AND SLS AND AFFILIATES DO NOT OWN THIS DEBT. SLS and affiliations has placed a lien on my property without any standing to do so.
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: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Notified my mortgage lender several times in XXXX that past payment history has not been updated since XX/XX/XXXX. Both XXXX and XXXX shows account is in " Good Standing '' but payment history does not show all payments made from XX/XX/XXXX to XX/XX/XXXX. Also shows 37 payments being late, which is incorrect. Lender agreed in XX/XX/XXXX by official letter attached to update my reports due to a mistake they had made on an agreed payment plan from XXXX thru XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37849
Submitted Via: Web
Date Sent: 2019-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received and escrow analysis showing the account with SLS had a surplus in the account. The account was not current and the letter indicated that the check would be refunded when the account was brought current. As an executor of my mother 's estate I contacted the company. Made the payment to bring the account current. SLS shows the account current as XX/XX/XXXX. I was told I would have the surplus check within 2 weeks. Did not happen. I waited until XX/XX/XXXX to follow up again. I was told I would have the check in hand by XX/XX/XXXX. The delay was because they had not filled out the correct form internally to get the check released. Today is XX/XX/XXXX. I followed up agian and was told that they would be changing my escrow account in XX/XX/XXXX and they would look at sending the check out sometime next month. This is causing there to be late charges to the XX/XX/XXXX payment since these are the funds that were to be used to pay XX/XX/XXXX 's payment. They told me that was not their problem and they would also be assessing an additional late charge. I have been transferred from one person to another and placed on hold for over an hour. It is my understanding that they should have resolved the escrow surplus within 30 days. They have surpassed this time period and as a result of keeping our funds they are causing other late fees and charges. I just finished talking with them and they are going to see what they can do and will let me know when they find out. No time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing : loan number XXXX. The above named company has assumed my loan since XX/XX/XXXX. They sent me a mortgage bill for {$5800.00} when my previous mortgage was {$1300.00}. However, I was paying {$1500.00} before to XXXX XXXX before my loan got sold to them. When I attempted to make a payment after speaking with them, they would not accept it unless I was going to pay {$5800.00}. I made several attempts to do so and the same response again. When asked about the reason for the increase, I am told it is my escrow shortage. My escrow was always included in my mortgage since I bought my home in XX/XX/XXXX. I have not seen any drastic increase in my home owners insurance or my property tax that would suddenly cause such an increase in my mortgage. In fact I have been receiving tax credits for my property tax since XX/XX/XXXX. There has been a {$770.00} increase in my insurance for just {$2000.00}, but that would certainly not cause such a shortage. I have tried to get answers and no one follows up and give me the information which I am seeking. I do receive letters from their office about delinquency starting from XX/XX/XXXX to present. On XX/XX/XXXX I paid online {$3200.00} to cover the cost of XXXX and XXXX mortgage. Then on XX/XX/XXXX I mailed in a check for {$2900.00} to go towards my escrow account, because that was the amount I got back from my county for the tax credit. On Friday I received a letter from Specialized Loan Servicing ( SLS ) showing that I have an escrow shortage of {$14000.00}. My new mortgage payment will be {$2900.00}. No one has shown me who they paid that escrow to and when and how did that come about. I am on a XXXX income of {$2000.00} from which I pay other bills. There is absolutely no way I will be able to afford that and no way do I want to lose my house that I have invested so much in. I am now XXXX years old and sick. I need investigation into this matter with hopefully a great resolution. I also want to start paying my own taxes and insurance to avoid future confusion. Please help me to resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2019-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a struggling widow I refinanced my home in XXXX w a gentleman that has passed away he helped w our mortgage I am a nurse by trade I was working with private clients but one passed away in XXXX the other decided to go a different direction XXXX XXXX put me on a forbearance which we paid in XX/XX/XXXX we did permanent loan mod 5.1 never late on payments w them they screwed up on the escrow and we were hurt w the hurricane last year it is a XXXX XXXX loan we got traded to sls forced into home insurance w no help from them Except what they say is 2 periods of forebearance! Ending XX/XX/XXXX we have been scammed before by mortgage relief. We have no family but my daughter is ill we recently got a bill from them stated they conducted a property assessment no one was out here? We have tried mortgage relief companies before but got scammed too. XXXX XXXX XXXX XXXX Was extremely nasty and said our house was in florclosure wheh they didn't check on this they aren't aren't lawyers but the gentleman sent nasty texts to my daughter saying she wasn't smart. Sls will not help us and reported us delinquent we have no family nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: on XX/XX/XXXX we were informed that XXXX XXXX sold our mortgage to specialized lending services llc, did not like the complaints on this company so when we called them XX/XX/XXXX to make our payment we requested a pay off quote as we had a loan lined up else where and signed the paper work with bank on XXXX sent the pay off check in the amount of XXXX. on the XXXX of XXXX after the check had been sent and cut they sent us another pay off quote including our property tax which was being and was paid by our new loan provider, so when we would not give them XXXX more when our property tax was only XXXX they sent the check back to us on XX/XX/XXXX and wanted even more money to pay off our mortgage and since they could not use our property tax to get more money the new pay off quote has our house insurance premium to the tune of XXXX our new mortgage company has even tried telling this place what they are doing is not correct but that does not matter with this company as far as i am concerned these people are nothing more than thieves and i am sick of beating my head against the wall with these people. we have made numerous phone calls and get no where, don't believe anyone there is qualified to do there jobs and different answers every time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2019-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I NEED MORE TIME I moved here from XXXX, WA. I've been robbed by a Tax Preparer, 2 Car Dealerships and now by a Bank that had nothing to do with me. The court Judges could care less about the truth, they only care about the Business Owners ; therefore, if don't fall in that category, you're wasting time and court fee money. I've lost over $ 500k due to Business Owners quick talking scams and what seems to be South Carolina Judges receiving some sort of compensation. I wouldn't go to court without supporting documentation, but SC Judges don't seem to have time to review in order to pass fair judgment. I've lived here since XX/XX/XXXX, now I'm told because XXXX scammed me, I don't have rights unless I hire a Lawyer. If I don't have a Lawyer, my family and I will be put out in the Street in 21 DAYS. I contacted the SC Bar Legal Referral Service, I called the office I was referred to and found that the Lawyer is on XXXX Leave with his wife. I NEVER had any business with the Bank that sold my home, based on a 2nd Mortgage I never received. I contacted XXXX XXXX, and their Servicer and they had no knowledge of a 2nd Lein Holder. So tell me, HOW THE HECK WAS I SUPPOSED TO KNOW? I started here with XXXX, I was kept in the dark after I spent my thousands of dollars. How can anyone move in 21 days from a home they've lived in for 14years? I desperately need for someone to intervene with this unfair Judging in this State, with ALL DUE RESPECT. If nothing else, help me get more time to find another place to live and money to pay for it. I had 1 loan from XXXX. XXXX sent me a letter telling me what I owe once they took over XXXX. XXXX XXXX XXXX XXXX sold my home claiming I had 2 loans from XXXX. XXXX sent me a Copy the Note. On XX/XX/XXXX, I was given 21 Days to move out of a home which we have been living in since XX/XX/XXXX. I was informed it was sold due to failure to pay on a 2nd Mortgage, but I only had one Mortgage on this home. I spoke with XXXX XXXX Reps and XXXX Reps, and every Rep informed me that XXXX XXXX, is the only Investor. PLEASE HELP ME!!!! Ive reached out to XXXX XXXX and was finally told to contact XXXX XXXX XXXX XXXX. Ive never had any dealings with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX sold my home on a 2nd Mortgage which XXXX XXXX, XXXX XXXX, XXXX, nor myself had any knowledge of after XXXX XXXX took over XXXX. I've reached out to a Lawyer through XXXX, but was told he is on XXXX leave with his wife ; therefore, I didn't receive a return call. I only have a few days and, I only need someone to contact the Judge for more time to move. It's not going to be easy to move 13 years of life in 21 days. I continued to contact a XXXX XXXX Rep, for information regarding what was going on, but they didn't give me any information until after the house was sold by XXXX XXXX XXXX XXXX XXXX. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2019-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: WE REFINANCE IN XX/XX/2018, A FIXED LOAN FOR 30 YEARS WITH XXXX XXXX TO LOWER INTEREST RATE AND CASH OUT, BUT NEVER WAS TOLD THAT SOME OTHE COMPANY WOULD BUY OUR LOAN, WOW, THE FIRST ONE DID AND THEIR WERE NO CHANGES, THIS SECOND COMPANY PURCHASED OUR LOAN SPECIALIZED LOAN SERVICINGLLC XXXX. XXXX XXXX XXXX, CO XXXX-XXXX APPRAISED AT XXXX WELL MY HOUSE NOTE WENT TO XXXX IF THEY PURCHASED OUR LOAN WHY DID THEY NOT PURCHASE IT AS IS. I HAVE BANK WITHDRAWAL AND THIS AMOUNT WAS A SHOCK. YES I CALLED THEM AND THEY EXPLAINED THEY WE DID NOT HAVE ENOUGH EQUITY, OK TO US THEY SHOULD JUST LEFT IT WITH THE OTHER OWNER. I NEED SOME HELP ON THIS AND TRYING TO LOWER MY PAYMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77532
Submitted Via: Web
Date Sent: 2019-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was sold to Specialized loan servicing from XXXX. I had filed bankruptcy as a defense of the sale of my home and that is when the mortgage was transferred. The bankuptcy was dismissed because the payments were very high can could not be maintained. Specialized Loan servicing informed me that I could make the payments to them regardless of the bankruptcy. I paid the XX/XX/XXXX and the XX/XX/XXXX however, when I called to make the XXXX payment I was informed I had to bring the loan current. They refused to take any more payments from me. I attempted 4 times during the XXXX to obtain a modification and SLS would tell me that the payment plan did not work out and the interest rate could not be changed. I have an adjustable rate mortgage with an arm and felt that explanation was not credible. Over the months of receiving the modification packages they never told me they were not authorized until XX/XX/XXXX. For the entire SLS held the mortgage hostage with the intent of foreclosing to gain the equity in the home. I went to the NC hardest hit funds and was told that I qualify for funding but I had to come up with " Gap '' funds so I went to my credit union paid for an appraisal and qualified for the funds only to be told they would not extend the dollars to me because I was taking a HELOC. I have al lthe written correspondance that supports each and everything I have said. I need help saving my home..I have lived here for almost 19 years. My daughter was raised in this home and it would be very traumatic for her to be uprooted given she suffered a XXXX break in XX/XX/XXXX and she is recovering here in the home. I work full time and I can afford to pay my mortgage if they would reinstate the mortgage, I have spoken with XXXX XXXX as they are the owners/ investor of the loan however, they have denied having the authority to modify the loan as well. This is my only home and when the default occurred I owed XXXX but it is much higher due to interest and fees that have been applied. fees.
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: 2019-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019, a duplicate draft was processed by Specialized Loan Servicing for {$2200.00}. On XX/XX/2019, I contacted the company to reverse the duplicate draft and I was assured it would only take a few days to process. Almost 20 days later nothing has been processed and no update is available from the company, they have stolen the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84070
Submitted Via: Web
Date Sent: 2019-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A