Date Received: 2018-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back in XX/XX/XXXX I was late on my mortgage payments which is a Making Home Affordable Modified loan as of XX/XX/XXXX. The investor is XXXX XXXX. I received a Notice of Default in XX/XX/XXXX. I was given 90 days to reinstate my loan before a sale date to be assigned. I was able to reinstate my loan on XX/XX/XXXX. I contacted the trustee who filed the notice of default XXXX XXXX XXXX the Foreclosure Manager several times during the month of XX/XX/XXXX to make arrangement for the total payment to reinstate my loan. On XX/XX/XXXX Ms. XXXX calculated the attorney fees and foreclosure fees and told me because of XXXX XXXX guidelines there will be no other charges after I pay the total amount to reinstate my loan. On XX/XX/XXXX I paid {$20000.00} which included {$670.00} foreclosure and filing fee to reinstate my loan. On XX/XX/XXXX There was a notice of rescission filed in XXXX XXXX County recorder office. SLS has charged me additional below fees with no explanation XX/XX/XXXX {$29.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed XX/XX/XXXX {$24.00} Fee Billed XX/XX/XXXX {$17.00} Fee Billed XX/XX/XXXX {$93.00} Fee Billed XX/XX/XXXX {$440.00} Fee Billed I have asked SLS for explanation of these charges and they say is part of foreclosure charges which i paid when I reinstated my loan in XX/XX/XXXX. They are not reversing this charges or show me any proof for these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2018-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan payments with Specialized Loan Servicing ( SLS ) was paid current through XX/XX/2018. I sent in the XXXX payment in the amount of {$550.00} on XX/XX/XXXX and 18 days later, the check still had not cleared the bank. The bank advised me to stop payment on the check, which I did. SLS contacted me shortly thereafter asking about the payment and I informed them about the stop payment. A couple weeks later, I tried contacting them with the phone number they provided me so that I could pay the XXXX payment by phone. I could never get through to them. Nothing was done in XXXX because I was unable to contact them. On XX/XX/XXXX, my daughter was able to contact them and talked to someone regarding the back payments. They told her a phone payment could be made and we provided them with the checking account no. and routing no. A payment was made over the phone and a confirmation no. was provided us. As of today, XXXX XXXX ( 12 days ) they still have not received payment and the money is still in my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2018-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Received Escrow Account Disclosure Statement via mail on XX/XX/2018 for tax and insurance payments. Based on their analysis a have a shortage of {$1500.00}. Therefore, my monthly payment was increase. I regularly paid my monthly mortgage payments and I pay extra amount for the principal balance. The company did not apply my payment to the mortgage.The money they received was placed in suspended accounts. They are asking for escrow account and charging me with late charges. My note during the closing of the mortgage does not require to have an escrow account for the taxes and insurance premium because it was agreed that I will be responsible for paying for it.Since that time I am the one who paid the taxes and property insurance. I called several times and spoke to customer service with out result.On XX/XX/18 I spoke to XXXX specifically. I wrote them letters but still no result. I still received statements stating that my account is past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a payoff amount ( through XX/XX/2018 ). Paid the amount through Bill Pay ( XX/XX/2018 ), ( same way I've paid every payment previously ). Those funds come out of my checking account immediately. Specialized Loan Servicing ( XXXX XXXX, CO XXXX ), returned the entire amount. Never notified me. Instead I received my next month 's statement ( reflecting no payment made ). It was then that I checked my checking account & saw they had returned the funds to my bank on XX/XX/2018. So, I sent another payment of the entire amount reflected on the statement (XX/XX/2018 ) & they just returned it. It's outrageous. These folks won't let me payoff this mortgage. I believe they hate losing a client who has paid off their mortgage & want to continue to charge interest. It is obvious to everybody that Bill Pay only issues payments where the funds have already been drawn ( good float for banks ). Therefore, the mortgage company has no risk by applying the funds. BillPay should be no different than a wire or bank funds, because, they ARE bank funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2018-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a previous complaint on XX/XX/18 stating all the previous information : Complaint # XXXX about SPECIALIZED LOAN SERVICING LLC. I have asked since XXXX for a postponement to get the review and assistance from the Mortgage company and to work with XXXX XXXX XXXX XXXX. They have been not giving answers and keep saying they can not postpone the foreclosure. This is a false statement according to New Jersey Statute NJSA 2A:17-36. Adjournments of sale of real estate. NJSA 2A:17-36. Adjournments of sale of real estate provides that a sheriff or other officer selling real estate by virtue of an execution may make two adjournments of the sale, and no more, to any time, not exceeding 14 calendar days for each adjournment. However, a court of competent jurisdiction may, for cause, order further adjournments. In New Jersey, a Sheriffs sale of a foreclosure property can be adjourned ( fancy for postponed ) twice by the Sheriff at the request of the homeowner for any reason. Each of these adjournment shall be for not more than 14 days. The lender may request an adjournment as many times as it wants without reason. Once the two free adjournments have been exhausted, the homeowner may apply to the Court by Motion for further adjournments provided good cause has been shown to the Court. For assistance in obtaining an adjournment of a sheriffs sale of a foreclosure home, contact your local Sheriff department or a qualified NJ foreclosure lawyer in New Jersey. I wanted them to postpone to review my file to see that I can make the mortgage payments and we can come to a solution for the back payments owed. I need for them to postpone as I never received documentation on a foreclosure fromt he Sheriffs office and I had the Urban League not do anything in XXXX and this is why I am beyond the 37 days.
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: 2018-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am currently working with XXXX XXXX, XXXX, Realtor from XXXX XXXX XXXX on a short sale on my property. On or about XX/XX/2018 her negotiator, XXXX XXXX from XXXX XXXX XXXX prior filed the short sale request and all the documents with Specialized Loan Servicing ( aka XXXX ). XXXX XXXX received a confirmation / acknowledgement e-mail from Specialized Loan Servicing regarding the short sale. The file was assigned to XXXX at Specialized Loan Servicing ( aka XXXX ). Although we filed for short sale and Specialized Loan Servicing ( aka XXXX ) acknowledged receipt of such on XX/XX/2018, XXXX XXXX XXXX for bank/servicer/trustee filed a Motion to Reschedule Foreclosure Sale on XX/XX/2018 and set it for hearing on XX/XX/2018. ( See attached documents ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2018-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I just called XXXX regarding late fees that are still being applied to my account. My initial concern was that when i was with XXXX they allowed me to pay my payments by splitting it by 1/2 due on the XXXX and remaining 1/2 due at the XXXX. I attempted to do this with SLS but their system was unable to process these types of payments which resulted in me having to call in monthly to have my 2 payments combined to be applied to what was currently due. I this this for a few years. Recently ( ~XX/XX/2018 I started making just 1 payment monthly as they noted so that I would no longer incur any fees or have my partial payments applied to principal erroneously ) and I am still getting late fees incurred. In my recent conversation today, they noted that it appeared i was still behind, but based off my history of paying twice monthly and now recently monthly on the same dates, i fail to see where and how i could be behind. In the past, when i have called, they noted that they see where some XXXX payments were applied to principal. I advised this should never have occurred and thought all prior misapplied funds were applied accurately. I need help to fix this since late fees are continuously being applied and i refuse to pay them until this gets cleared up.
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: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I recently paid off my Mortgage Account with Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX, XXXX, CO XXXX. My Account Number XXXX. I received a refund back from Specialized Loan Servicing for the amount of {$2300.00} regarding Escrow Account. The check was made to XXXX XXXX XXXX and XXXX XXXX. My husband and I recently divorced on XX/XX/2018. XXXX XXXX XXXX moved out of state to Washington and I mailed him the check to sign over to me since I made all payments on the loan and the house is legally in my name only. I took the endorsed check to my bank XXXX XXXX and they had told me that they could not accept the check without XXXX XXXX XXXX being present. I explained to the bank the reason he signed it was that he was out of state. They stated because the check was made out to XXXX XXXX XXXX " and '' XXXX XXXX that both parties needed to be present and to ask the issuing bank to make the check out to XXXX XXXX XXXX, XXXX XXXX and they would be able to cash the check. I contacted SLS on XX/XX/2018 via email per their request it needed to be done in writing ( see attachment ). I called and spoke to Floor Supervisor XXXX on XX/XX/2018 who stated he would place the request to the Refund/Credit department and to call back on XX/XX/2018. I called back XX/XX/2018 and was told XXXX was out of the office. I called back on XX/XX/2018 and was told XXXX was busy on the floor and would call me back. I called back on XX/XX/2018 XXXX said that XXXX was on a phone call and I stated that I would hold after 10 mins XXXX came back on the phone and said XXXX was training and would call me back at the end of business day. I never received a call. I'm holding onto a check {$2300.00} that will no longer be valid. I'm requesting a new check to be issued by SLS for the amount of {$2300.00} made payable to XXXX XXXX XXXX, XXXX XXXX ( without the " and '' ) so I can present it to my bank to be deposited into my account. Please assist me with my request. Thank you in advance for your prompt attention to this matter. XXXX XXXX, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94521
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX ( Part of the XXXX XXXX ) charged me an additional {$50.00} in fees to generate payoff amount requests which were produced online. There was no mention of these fees when it was requested, via online account access. Besides, the payoff request was generated on their website which I printed out after the 2nd attempt, but they also sent me mailed copies. The first attempt, the website was unresponsive, but SLS still managed to charge me for that request. This is a deceptive practice and I should not be held liable for these extra fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95020
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called SLS on XX/XX/XXXX to close my escrow account since my original mortgage contract does not require me to have one and I would like more of my payment to be applied to my principal. I was told to send the request by email, and I emailed the same day. On XX/XX/XXXX emailed again because I hadn't received a response. I also called and spoke to customer service and was told they would respond by XX/XX/XXXX. It's now XX/XX/XXXX and I haven't heard from SLS. I just went into my account online and the escrow payment is still there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75180
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A