Date Received: 2018-10-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85306
Submitted Via: Web
Date Sent: 2018-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.
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: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. I can submit past 6 months of payment slips if necessary. Thanks XXXX XXXX
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: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet. I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2018-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX XXXX, as Legal Title Trustee c/o Specialized Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX has filed a mortgage foreclosure against me and I never executed any agreement with them nor can XXXX XXXX XXXX XXXX furnish documents from the original creditor enclosing my on time payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX as Legal Trustee do not have the following legal authority : 1. Collect payments from borrowers 2. Initiate nor have discretion to authorize a mortgage foreclosure 3. Reluctant to oversee mortgage servicers to confirm if the foreclosure has merit. 4. Does not manage or maintain properties in foreclosure 5. Not responsible for the approval of any loan modifications 6. In short, XXXX XXXX XXXX XXXX XXXX DO NOT have no advance knowledge of payment history nor the clear chain of title from the originator creditor demanding XXXX XXXX XXXX XXXX and servicers to execute foreclosure for payment. Plain and simple, XXXX XXXX as Trustee does not exist thru my discover. 1. The " Trust '' NEVER entered into any transaction in which the Trust paid for assets. Nor have any third parties SLS ( Specialized Loan Servicing, LLC ) executed monetary interest. 2. Through deception, XXXX XXXX XXXX XXXX never execute foreclosures. They use servicer 's to conduct the dirty work to deceive consumers. This is not a duplicated complaint ... .should all parties be reluctant to respond. My complaint is toward Servicers using XXXX XXXX XXXX XXXX as a shield from liability in fraudulent foreclosures.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Multiple Requests submitted for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2018 The Company executed the foreclosure on the DEED AND TRUST of my late father 's home. I have reason to believe that the company did not have possession of the NOTE to enforce the foreclosure on the DEED AND TRUST. The home was foreclosed on and I am still searching for the NOTE.
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: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Sometime in XX/XX/XXXX I filed a complaint with XXXX XXXX and through his office the complaint was filed with CFPB ( complaint # XXXX ). My main complaint was against Bank XXXX XXXX as they had taken all the bad loans from XXXX XXXX XXXX XXXX XXXX. CFPB closed my complaint as BOA claimed that XXXX XXXX XXXX XXXX XXXX has ownership of my property. On XX/XX/XXXX I purchased the property the mortgage was recorded on XX/XX/XXXX, Book XXXX @ Page XXXX. The mortgagee was XXXX XXXX XXXX , XXXX, XXXX MIN # XXXX, the Lender was XXXX XXXX XXXX , XXXX An Assignment of mortgage was prepared on XX/XX/XXXX, by XXXX XXXX XXXX assigning the loan from XXXX XXXX XXXX , XXXX to the XXXX XXXX XXXX XXXX XXXX , the assignment was executed by XXXX XXXX who acted as a secretary of MERS when in fact, XXXX XXXX is an Assistant Vice-President of XXXX XXXX XXXX , her signature was notarized by XXXX XXXX who also is a SAenior Business Analyst for XXXX XXXX XXXX . The assignment was recorded on XX/XX/XXXX in Book XXXX @ Page XXXX. Since XXXX XXXX is not an employee of MERS and does not have the authority to sign in their behalf this automatically prove fraudulent robosigning and faulty loan ownership documentation which is against the XXXX XXXX XXXX and the Regulation X of CFPB. XXXX XXXX XXXX , XXXX has full ownership of the property as the original Promissory Note was not endorsed at all ; the securitization of the mortgage has been violated by mortgage transfer, for that XXXX XXXX XXXX , XXXX is the ONLY one who has the authority to foreclose the property. I requested a modification in XX/XX/XXXX and in XX/XX/XXXX I was awarded with a Home Affordable Modification, which was in violation of Making Home Affordable, the loan was to be modified for 40 years, instead was modified for 26 years, also under Making Home Affordable Guidelines I would have qualified for a Loan reduction as my property was under water instead I ended up with a deferred principal balance and a balloon payment in the amount of XXXX. On XX/XX/XXXX XXXX XXXX XXXX transferred the loan to SLS who has refused to work with me as I am going through a divorce and I am a self-supporter. On XX/XX/XXXX XXXX XXXX and XXXX XXXX XXXX issued a check payable to me and my X-husband in the amount of {$10000.00} for fire damage. MY divorce attorney forwarded the check to SLS, on XX/XX/XXXX, up to date, I do not know what happened to this money as I never received the check back or SLS applied the money to the outstanding balance of which would have brought the loan current at that time. I am requesting for this case to be reopened and bank regulators to be assigned to this fraudulent case, and I hope that this time that I will get the help I deserve, need and justice for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2018-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted several requests for a adjournment and keep getting denied for not being more then 37 days from the sale date. Called both SLS and the attoney XXXX XXXX XXXX XXXX, XXXX.. SLS tells me they can not speak about the foreclosure and can not postpone the Original Date of XX/XX/XXXX. They stated I have to call the attorney to speak about it further. I called XXXX XXXX XXXX XXXX , XXXX. and have never received a return call. I received a document on XX/XX/XXXX stating that they can not postpone the sale date. Upon my persistence of trying to just have a FAIR review and Request for Mortgage Assistance, I learned my foreclosure date was moved to XX/XX/XXXX. 1. No correspondence was given with this change and again results in loss of days to have the review. 2. They take the time to postpone the date from XX/XX/XXXX to XX/XX/XXXX but a SLS rep XXXX said yes it was postponed but it is still not 37 days out for the review of the RMA Request. Why would they take the time to move it still less then 37 days? This is not only again UNFAIR and prejudice against my situation for having developed a financial hardship over the last 3 years and now you wont even help to review my RMA request. I am trying to start paying for my mortgage and correct and better my life for my children and family. They sent in a response to my original complaint with not accurate information. See Below and attached XX/XX/XXXX XXXX XXXX Re : SLS Loan No. : XXXX XXXX XXXX XXXX. CFPB Case No. : XXXX XXXX XXXX, NJ XXXX Dear Ms. XXXX, We are writing in response to the dispute that you filed with the Consumer Financial Protection Bureau ( CFPB ) with regard to the servicing of the above-referenced mortgage loan account. Due to the severity of the delinquency, the account was referred for foreclosure on XX/XX/XXXX. The foreclosure sale is scheduled for XX/XX/XXXX. ( NEW DATE XX/XX/XXXX ) FALSE Our records indicate that SLS sent numerous correspondences in an attempt to assist you in resolving the delinquency of the account. Our records indicate that you contacted SLS on XX/XX/XXXX regarding the account, and advised that you were in the process of finalizing a divorce from Mr. XXXX, but that you wished to retain the property. TRUE An SLS agent advised at that time to submit a Request for Mortgage Assistance ( RMA ) and accompanying financial documentation for review. FALSE Our records indicate that, on XX/XX/XXXX, SLS sent the enclosed correspondence advising that you had been pre-selected to participate in a trial period plan as the initial step towards a permanent loan modification, with trial period payments in the amount of {$2400.00} to be remitted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Our records do not reflect receipt of any of the trial period payments. FALSE I NEVER RECEIVED THIS ... XXXX XXXX WHO WAS TO HANDLE THE LOAN ASSISTANCE. I DID NOT KNOW THIS WAS A SCAM! Our records indicate that, on XX/XX/XXXX, SLS sent the enclosed correspondence advising that we had been instructed by the investor/owner of the account to offer you the opportunity to pay off the loan for less than what you owed. Our records do not reflect any response to that settlement offer. FALSE NEVER RECEIVED ANY SUCH OFFER. Our records indicate that Authorized Third Party XXXX XXXX contacted SLS on XX/XX/XXXX to discuss the trial period plan offered on XX/XX/XXXX. An SLS agent advised that we would still honor the plan provided the initial trial period payment was received before the end of XX/XX/XXXX. Ms. XXXX indicated that she would advise you to remit the initial trial period payment. As indicated above, our records do not reflect receipt of any of the trial period payments. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX www.SLS.net FALSE. - I HAVE NEVER MET A FEMAL THAT WORKED FOR XXXX XXXX. I ONLY SPOKE TO SOMEONE NAMED XXXX. Specialized Loan Servicing LLC NMLS ID XXXX Our records reflect that Ms. XXXX contacted SLS on XX/XX/XXXX to inquire if the XX/XX/XXXX, FALSE - I WAS NO LONGER WORKING WITH THE XXXX MANAGEMENT MALE XXXX SINCE XX/XX/XXXX. THIS WAS BASED OFF WRONGFUL REQUESTS AND NONE ACTIONS TAKEN OR CORRESPONDENCE TO ME REGARDING MY LOAN. XX/XX/XXXX foreclosure sale date could be postponed if an RMA and accompanying financial documentation was submitted. An SLS agent advised that there was insufficient time to evaluate the account for any loss mitigation option prior to the scheduled foreclosure sale date. Our records further reflect that you contacted SLS on XX/XX/XXXX and indicated that you were going to submit an RMA for a permanent loan modification review ; an SLS agent advised you that there was insufficient time to complete a review for loss mitigation prior to the scheduled foreclosure sale date. FASLE THEY TOLD ME NO SUCH THING. I WOULD HAVE NEVER SUBMITTED THE REQUEST. Please know that SLS requires that a complete financial package be received no later than 37 days prior to any scheduled foreclosure sale date in order to complete a loss mitigation review. Our records indicate that an RMA and accompanying financial documentation in support of a request for a permanent loan modification was received on XX/XX/XXXX. On XX/XX/XXXX, SLS sent the enclosed correspondence indicating that there was not sufficient time to complete a loss mitigation review prior to the scheduled foreclosure sale date. Our records reflect that we received additional financial documentation on XX/XX/XXXX, and the enclosed correspondence indicating that there was insufficient time to evaluate the account for loss mitigation assistance was sent on that same day, Our records reflect that you contacted SLS on XX/XX/XXXX requesting a postponement of the foreclosure sale in order to allow time to review the account for a permanent loan modification. An SLS agent advised that there was insufficient time to evaluate the account for any loss mitigation option. SLS respectfully denies the request for a postponement of the foreclosure sale. HEY CANT DENY THE REQUEST AND ONLY THEIR ATTORNEY CAN. We trust that we have responded to your concerns. If you have any additional questions regarding this matter, please contact Executive Services toll free at XXXX, Monday through Friday, XXXX XXXX until XXXX XXXX MT. XXXX accepts calls from relay services on behalf of hearing-impaired borrowers. Sincerely, XXXX XXXX ID # XXXX Specialized Loan Servicing LLC Enclosure ( s ) cc : Consumer Financial Protection Bureau PLEASE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A