Date Received: 2019-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX made an error ( posted some payment we did not make and then reversed it PLUS {$400.00} that left our account short due to no fault of our own ) on our account that pushed us into default ; though, we've never missed a payment and did not know of this since XXXX never sent statements. They sent us to Specialized Loan Service, which is a collection agency, and they are now threatening to foreclose if we don't pay {$1700.00}. We didn't make the error ; still have not missed a payment and don't believe we should pay for XXXX 's error that messed up our account in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-01-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received notification that XXXX XXXX was transferring my loan to Specialized Loan Servicing on XX/XX/XXXX. I requested a payoff from my second mortgage XXXX XXXX whom required a wire transfer to pay off my second loan. On XX/XX/XXXX through XXXX XXXX I wire transferred {$450.00} to XXXX XXXX 's account number. The XXXX XXXX clerk listed XXXX XXXX XXXX XXXX as the beneficiary. The tracking number was XXXX. The wire transferred was delivered. XXXX XXXX inadvertently accepted the wire transfer from XXXX XXXX and applied the payment to my mortgage. It is unknown how the payment was applied as neither XXXX XXXX or SLS have provided a payment history. On XX/XX/XXXX my loan was transferred to SLS. The {$450.00}, according to XXXX XXXX was transferred to SLS. SLS has claimed that they had the funds but were not applied to my XX/XX/XXXX payment. According to SLS an investigation regarding the wire transfer was opened. On XX/XX/XXXX, in a phone conversation, I paid the remaining {$780.00} to make my loan current for the month of XXXX. On XX/XX/XXXX I sent a certified letter to SLS regarding the wire transfer and discrepancy in how it was applied to my loan. The letter was to arrive on XX/XX/XXXX. The same day I mailed a check for my XX/XX/XXXX payment in full to a separate XXXX XXXX for SLS ( certified receipt XXXX, confirmed delivery ). The payment was received and SLS rather than depositing my check withdrew the money from my account as an ACH payment. The money was withdrawn on XX/XX/XXXX from my XXXX XXXX XXXX account ( check number XXXX ) I did not and have not authorized any ACH payments with SLS. I received an email confirmation that the payment was received. On XX/XX/XXXX I contacted SLS again to resolve the status of my loan and address my letter. SLS then told me that my {$450.00} was applied to my XXXX payment ( as an autopost ), but now my {$780.00} payment had been applied to my principal as it was a partial payment ( as a curtailment ). I informed XXXX that the representative never informed me that my payment would be applied to my principal but that we had an in-depth conversation regarding that this payment would make my monthly payment current. I was never requested on informed XXXX XXXX or SLS that I wanted to make an additional payment toward my loan at any point in time. According to my financial records, my XXXX payment should be current and my XXXX payment was paid by check. According to SLS 's online history of my account the XXXX payment in the amount of {$1200.00} has NOT been credited or received by SLS. All payments have been made to both XXXX XXXX and SLS and my account is current. It is my belief that SLS is attempting to foreclose on my home and committing fraudulent acts with criminal intent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89145
Submitted Via: Web
Date Sent: 2019-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: loan # XXXX I have been researching how MERS Assigns its mortgages and MERS has told me that they do not keep the Promissory Note but only assigns the mortgage. SLS has told me that the, Trustee, XXXX XXXX XXXX XXXX XXXX is holding it but they are not the holders. I have asked SLS how did they come to have the promissory note when MERS assigned them the mortgage and did not assign them the Note. My question I keep asking is, how did SLS get possession of the original the promissory note?
Company Response:
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: During the Dismissal of our Bankruptcy, our Mortgage was with XXXX. They moved our loan to Sertiviced Loan Servicing. This is when our trouble started. The company fails, over and over to answer our questions. If they write us, is just with a letter that is not applicable to our concerns. Our mortgage payments have been made on time. They have made arrangements that we are paying for without our approval. The amount owed, seems to go up instead of down. They claimed our escrow account was behind over {$3000.00}. Our escrow comes from the monthly payments. We have a 4.5 % account. We pay {$1100.00} and then when we had the problems with the escrow, they reduced the payments to {$1000.00} Does that make sense? On XX/XX/2018 the outstanding principal was {$180000.00} Now the amount owed to be able to refinance with a better, reputable company is {$200000.00} plus. No explanation given. Why a company that seems to do everything illegal to scam the consumers has not been fined, made to do something with the outstanding accounts, etc. They get away with anything, but nobody stands to help us consumers who are seniors, living on retirement as well as our young generation that keeps fighting with no solution, just like we are talking to the Wall.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2018-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: They violated the law when I asked to view my note. They told me to come to XXXX XXXX XXXX Utah when they are required to allow me local Viewing. Also XXXX agreed to postpone the auction although it went forward. Illegal foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2018-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I AM BEHIND IN MY MORTGAGE SINCE XXXX I WAS SENT A DEFAULT LETTER BY SPECIALIZED LOAN SERVICES ( MY LENDER ) IN XXXX, WHEN I GOT THE DEFAULT LETTERI IMMEDIATELY SENT SPECIALIZED LOAN SERVICING A CHECK FOR THE 3 MONTHS I WAS BEHIND, SLS SENT BACK CHECK WITH A LETTER STATING THEY ARE NOT ACCEPTING THE CHECK BECAUSE IT IS PAST 90 DAYS PAST DUE. I IMMEDIATELY HIRED AN ATTORNEY ( XXXX XXXX XXXX. ) TO PREVENT FORECLOSURE DEFENSE.IT HAS BEEN OVER 2 YEARS AND MY AREERS HAVE KEPT GOING UP AND THE HOLE HAS BEEN GETTING DEEPER, AS THE LENDER SLS REFUSES TO DO A LOAN MODIFICATION, HOPING TO DRAG THERE FEET LOMG ENOUGH SO I CANT CATCHUP AND THEY WILL FORECLOSE ON MY PROPERTY.I AM XXXX XXXX XXXX XXXX AND CANT WORK, I RECEIVE XXXX PENSION FROM THE XXXX, SOCIAL SECURITY XXXX, AND XXXX XXXX XXXX XXXX XXXX XXXX. I WAS ADVISED TO REACH OUT TO A COMPANY XXXX AND THEY HAVE A PROGRAM ( MAP ) THAT HELPS WITH THE AREERS I DID AND SHOWED THEM MY INCOME AND WAS APPROVED FOR {$80000.00} PLUS I HAVE {$20000.00} SET ASIDE TO INJECT TO EQUAL A {$100000.00}, SO I TOLD MY ATTORNEY ON XX/XX/XXXX TO OFFER THE LENDER {$100000.00} AND I WILL BECOME CURRENT ON MY MORTGAGE ND I WILL START PAYING MY MORTGAGE AGAIN. THE LENDER TURNED DOWN THE OFFER OF THE {$100000.00} STATING IN A LETTER TO MY ATTORNEY THAT I OWE {$110000.00} IN AREERS AND THEY WANT THE FULL AMT. NOW THAT IS A DIFFERENCE OF {$12000.00}. THIS LENDER SLS HAS A COURT DATE WITH MY ATTORNEYS ON XX/XX/XXXX, WHY WOULDNT THEY ACCEPT THAT OFFER WE ARE DOING ALL THAT WE CAN DO AT THIS POINT THE LENDER IS NOT. THE MOST MAP CAN GIVE IS {$80000.00} AND THE MOST I HAVE IS {$20000.00} I FEEL THIS LENDER IS NOT COMPROMISING AND TRYING TO WORK OUT MY MORTGAGE SO I CAN STAY IN MY HOME. I HAVE TO AT THIS POINT TO KEEP MY HOME I HAVE NO OTHER CHOICE BUT TO FILE BANKRUPTCY IN FEDERAL COURT, AS I DONT WANT TO, AND THE FACT IS I HAVE GOOD INCOME, BUT BECAUSE OF THE LENDER TURNING DOWN MY OFFER OF {$100000.00} TO NOT EVEN MOTIFY THE MORTGAGE JUST TO PAY THE AREERS THAT IN MY OPINION DRAG THERE FEET CAUSING THE AREERES AND ADJOURNING THE CASE AND THE MORTGAGE GOT STEEPER AND INTEREST GOT HIGHER AND HIGHER, IT WAS THE LENDER WHO CAUSED THIS AND NOW I MAKE AN OFFER TO FIX THIS {$12000.00} THEY REFUSE IS UN-HEARD OF AND THIS IS WHY I HAVE TO FILE A CHAPTER XXXX BANKRUPTCY BECAUSE THE LENDER DOESNT WANT TO WORKOUT THIS MORTGAGE. I TRIED BUT THEY HAVE NO DESIRE TO ASSIST IN THIS MORTGAGE THEY WANT TO FORECLOSE AND I HAVE TO KNOW FILE A CHAPTER XXXX TO KEEP MY HOME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2019-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: 1a. on XX/XX/XXXX XXXX filed a fraudulent Assignment of Deed of Trust falsely claiming to be nominee for the defunct XXXX XXXXXXXX XXXX. XXXX violated RTC 23302 Transferring Property in California under a corporate suspended license. XXXX license to do business in California was suspended by the Secretary of State of California XX/XX/XXXX. XXXX license to do business in California was also suspended by The Franchise Tax Board XX/XX/XXXX. XXXX XXXX did not own any loans in XXXX XXXX XXXX XXXX XXXX. also filed a Corrective Assignment of deed of trust in XXXX operating under a Suspended Corporation violating State and Federal Laws. 2 Specialize Loan Servicing is responsible for the illegal transferring of loans XXXX XXXX XXXX who is employed by Specialize Loan Servicing forged the Corrective Assignment falsely claims to be Assistant Secretary for the California Suspended Corporation XXXX, and representing the defunct XXXX XXXX XXXX who denies owning ANY LOANS as of XXXX See XXXX XXXX XXXX Liquidating Trust Letter Page 3.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This mortgage lender is refusing me a loan modification even though I work and have income and is dragging there feet and adjourning the case to drive up the arrears forcing me in to a bankruptcy to save my home, they have not sent me a statement in 2 years to make a payment ( no monthly payments I am now {$110000.00} in arrears and I offered them {$100000.00} on XX/XX/2018 and they refused they are not allowing me to work things or mortgage out I believe at this time because of my XXXX or my age at this time.as I have tried to work things out over and over, so the fact I get no statements it can only be because of my age or XXXX at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have an impound account with my mortgage company to pay taxes and insurance for the home I currently own. On XX/XX/2018 the company paid the property tax erroneously on a property that I no longer own and failed to pay the taxes on the correct property I do own. I contacted the company on by phone on XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. The company not only has not resolved this mistake but sent me a letter indicating that my mortgage payment will increase due to an escrow shortage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I tried to communicate as instructed by XXXX XXXX XXXX XXXX XXXX ( see attached ) with " servicer '' to address my concerns in XXXX email dated and forward to all parties involved on XX/XX/2018. Please see below email forward. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To XXXX CC XXXX, XXXX XX/XX/XXXX at XXXX PM XXXX XXXX XXXX, XXXX XXXX has informed me to contact you " the Servicer '' ( SLS ) and now I have been declined information from both you and XXXX XXXX referencing my concerns as a consumer-homeowner. XXXX XXXX stated SLS in fact is not affiliated with XXXX XXXX in anyway ( per the XXXX letter attached from XXXX XXXX ). These statements from XXXX XXXX are misleading, deceptive and confusing. " Please advise clarity of your affiliation and a detailed explanation of your position. If all possible can you furnish me a contract that confirms your interest in and with XXXX XXXX and all Trust, in addition to a clear chain of title from the originator due to XXXX XXXX XXXX XXXX XXXX XXXX XXXX having no knowledge of the chain of title who in fact transferred this unlawful transaction to you without merit. PLEASE NOTE THIS IS NOT A DUPLICATE COMPLAINT Please confirm and respond within 15 days of receipt. Cc : XXXX XXXX XXXX XXXX - VP
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: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A