Date Received: 2018-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage servicer, SLS Servicing sold my mortgage to XXXX XXXX on XX/XX/18. I made my mortgage payment to my new provider. SLS Servicing had been withdrawing my mortgage payment from my checking account on the XXXX of each month. On XXXX XX/XX/18 they withdrew {$1400.00} ( mortgage payment ) from my checking account, which is after my account was closed with them. I have made numerous phones calls and have received a different story from each employee of this company that I spoke to. This withdraw has caused a negative balance in my account and I have accrued overdraft fees. To date, after 11 days has passed since they withdrew this money, I still do not have it back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2018-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my loan as of XX/XX/2018 i received a letter middle XXXX stating such, They sold my loan to Specialized Loan Service LLC XXXX this company has not only never sent me any info, ,After many calls to XXXX XXXX i got the new loan number and just mail certified mail, Ive called for 5 days never to chat went on line like XXXX XXXX told to do to XXXX sight says i dont have a account,, The rules state they suppose to contact me within 15 days of date new service. They did not. The complaints on ; line scare me, and 364.., They should be check out,, When i phone got code and said i have not paid XXXX payment ... I paid XXXX this payment and have print out to prove this,,, ,XXXX XXXX got my loan XX/XX/2018 But wouild not even take a payment stating my account was not active///// ... Please help me i dont want the company to mess up my go credit,, XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2018-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/18-Called Specialized Loan Servicing to inquire why I am not receiving payment coupons. The Representative XXXX # XXXX said my loan was put into 'fourth position '' and this is happening to a lot of customers but the company does not know why. They are in the process of taking each loan number as Customers call to investigate. XXXX could not tell me why the loan status was moved. When I requested an explanation letter from the company explaining what has happened over the last several months of payment coupons stopping, she said the company would not do that. Unbelievable! This is unacceptable. I asked XXXX who or what company made the decision to place 3 other debts in front of my loan and to identify the debts. I have no liens. She said SLS does not tell them and she could not tell me, and they would not send me a letter of explanation. I did pay my current amount due over the phone with XXXX who said she would waive the fee. I need the help of cfpb because SLS continues in bad behavior and gets away with it. I say this because below are previous cfpb complaint # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX # XXXXXX/XX/XXXX XXXX # XXXX
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: 2018-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Formal written complaint : We have not received our scheduled periodic mortgage statement form the mortgage Servicer since XXXX XXXX. Change went into effect in XX/XX/XXXX across to entire organization that NO STATE Monthly Mortgage Statements would be sent to anyone where Specialized Loan Servicing was the servicer on any junior lien position. Called on XX/XX/XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX and XXXX-There were other calls from my Wife on this account and we are deeply concerned. Have still not provided the requested payoff statement nor are they sending us our monthly schedule periodic payment statements. Their address on their prior statements does not match the P.O. BOX address they gave us over the phone to send payments. Show they are 4th in lien and thats why they are not sending mortgage statements. Spoke to XXXX XXXX- Company Policy. XXXX-Escalations This is the response I get when I try and to download the payoff quote. To date they have not sent me any payoff statement or scheduled periodic payments. XXXX stated they did not send mortgage statements any longer for loans in 4th position. This loan is in second positon as I explained to XXXX and told him that I had refinanced about a year ago and even paid the subordination fee to Specialized Loan Servicing. To date no scheduled periodic payment statements, no payoff, and the complete run around. XXXX the Supervisor stated that the company had changed its billing center from Georgia and they should have sent us notices about that. After hours of efforts we are no closer to getting resolution. Solution : Investigate Specialized Loan Servicing and bring an action for failing to send scheduled periodic payments. Compel them to fix their payoff request process, have them retract and reimburse all late fees for the period of time they have been gaming borrowers such as me and my Wife. Have them recalculate my loan from its inception and credit all overpaid interest and fees. The payoff shows the per diem interest rate to be 4.3496 % which no way reflects the 10.5 % actual interest rate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, we received a letter from XXXX XXXX, Subject : Transfer of the servicing of you mortgage loan. The letter states Effective XX/XX/2018, the servicing of your mortgage is being transferred to Specialized Loan Servicing LLC. The letter further states Specialized Loan Serbicing LLC will be sending you a letter that will include payment instruction and an updated loan number. We know there is a legal requirement for both the mortgage originator and new servicer to send letters within 15 days of a mortgage transfer becoming effective. In this case, Specialized Loan Servicing did not. We waited until today, XX/XX/XXXX, to give the mail plenty of delivery time and nothing was received. When we spoke with their customer service today ( XX/XX/XXXX ) a friendly woman said they wouldnt have complete loan information until Monday, XX/XX/XXXX and didnt offer to resend the notification letter. Though, she did provide the new account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21122
Submitted Via: Web
Date Sent: 2018-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My mortgagee " XXXX XXXXXXXX XXXX '' - SLS, was notified in writing by me that my balance was incorrectly increased from $ XXXX to $ XXXX, and that my payment history was incorrectly reported from XX/XX/XXXX to XX/XX/XXXX by showing I was 150+ days delinquent. Received letter from SLS, after filing dispute with XXXX of Colorado, that they made a mistake, and all payments were " Paid as agreed. My credit report was never corrected by SLS as of XX/XX/XXXX. Needs correcting to remove negatives scoring on my FICO reports for both XXXX and 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: 2018-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a continuation from XXXX XXXX XXXX to specialized loan servicing. They claim we owe back payments we don't. They have not turned over the lost check to the homeowners insurance. We have a lawyer, he was accused of being fraudelent and a scammer. Read the complaint we gave about XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44266
Submitted Via: Web
Date Sent: 2018-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2018-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!! LOAN # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2018-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-11-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home. We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2018-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A