Date Received: 2018-09-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We've attempted to loan modification. We've been denied. Per the lender there's a sales date of XX/XX/XXXX18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75154
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing ( SLS ) incorrectly reported an account as delinquent for the XX/XX/XXXX payment. I contacted SLS and asked for the credit reporting error to be fixed. Twice it has been fixed only to reappear as a delinquent payment. I have a letter from SLS acknowledging the error and promising to correct the reporting. The XX/XX/XXXX payment once again appears as an error. Is there recourse against SLS for repeated credit reporting errors? Please help me to get this fixed once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2018-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Have requested payoff amount twice as well as detailing billing history since the date of mrtgage through XXXX and have not received anything. Paperwork sent does not detail what any fees are for. I want a detailed billing record with description of what fees were for from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage whereas I and my ex-husband are on the mortgage and the note, however I received a Quit claim deed and am the only one on the title. My ex filed Bankruptcy in XX/XX/XXXX. I did not know until I contacted SLS to ask why I stopped getting statements. I have been paying the mortgage since then voluntarily even though they refused to send me any statements or notices. I recently found out that as of XX/XX/XXXX, I have rights as the Successor in Interest and have notified them of this. I have yet to receive anything. I mailed my mortgage payment to the addresses I have been sending it to for over a year on XX/XX/XXXX, and the payment was not cashed as of XX/XX/XXXX. I called SLS and asked if they received it and they said no, but provided no more information. I stop paid that check and mailed another on XX/XX/XXXX. I called today XX/XX/XXXX and asked why they had yet to cash this one, and after getting the run around was informed that the address in which I am to mail payments had changed 3 months prior and they were no longer forwarding any mail or payments! I had never been notified of this, which they could have told me on XX/XX/XXXX when I called the first time. Now I am late on my payment, of no fault of my own and have 2 checks floating out there. They also said the mailed me notification of next payment on XX/XX/XXXX and I have not received it either. I cost me {$60.00} to stop pay 2 checks and I do not feel like a business can stop forwarding their mail after only 2 months. What if I'd have been on vacation, or in the hospital. Is there not a law as to how long a financial institution must have their mail forwarded. And should they not have had to send me notification of the change since I am on the mortgage?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48309
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage company continually does not post payments timely or correctly. I made my XX/XX/XXXX payment on XX/XX/2018. I received a stament dated XX/XX/18 for my XX/XX/XXXX payment that showed both a apyement due for XX/XX/XXXX and XX/XX/XXXX. When I called SLS, they stated that my payment was current and they could not explain why the statement I received showed a past due payment. I was told to disregard the statement. I asked if they could send me a correct statement and I was toLD I would need to submit a written request. I would like this servicing company held accountable for sending me correct stamens to reflect my payments posting correctly. I should not have to send a written request to get a corrected statement. I would also like the ability to manage my account online so I can insure everything is posting correctly as it is received. I received a statement in XX/XX/XXXX which they could not explain an additional {$710.00}, but I paid it as I wanted my account to stay current. XX/XX/XXXX I made my payment for XX/XX/XXXX. My XX/XX/XXXX payment is scheduled to be electronially transferred to them on XX/XX/XXXX. I never received a statement for XX/XX/XXXX which should have shown the XX/XX/XXXX payment due and that is why it is not attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 227XX
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I filed a complaint against Specialized Loan Servicing, case number XXXX, in which SLS is claiming that I have missed a monthly mortgage specifically on XX/XX/2017 in the amount of {$1300.00}. That was SLS 's response to my case where I was asking why I owe them a month 's mortgage payment plus interest when I know I have never missed a mortgage payment ever. I checked my payment history with SLS and it clearly shows that I paid {$1300.00} on XX/XX/XXXX for the monthly mortgage for XX/XX/2017. Then on XX/XX/XXXX I made an early payment for {$1300.00} to SLS for the month of XX/XX/2017. This was where the problem began. Somehow SLS credited this payment somewhere else and not to my XX/XX/2017 mortgage payment. SLS can double check my payment history and it will clearly show that I paid twice in the month of XXXX. It was because of my early payment to SLS that this problem occurred. With that said, I would like SLS to reconsider and double check my records to verify that I have never missed a monthly mortgage payment. Regards, 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: 94545
Submitted Via: Web
Date Sent: 2018-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage which was sold to sls. It was previously with XXXX XXXX XXXX as part of the XXXX deal. I have never had an escrow account as part of or terms of my mortgage. A year after it was sold to sls I received a letter telling me I was behind in my tax payments. I was not behind in tax or insurance. I am XXXX and am part of a tax freeze and reduction plan by the city of XXXX. I called and let them know that and I had a representative from the city send them a letter letting them know I was in the plan in good standing and not behind. The City even sent them the money they sent to pay my tax back to them. This has gone back and forward on the phone since XXXX. I have been asked to pay lump sums and then way more than I can afford each month. Finally i was told in XXXX that my loan to value was over 80 % sitting at a whopping 81 % and this is the new reason I am in an escrow account. I can't afford the extra payments each month that vary never the same. I would like my mortgage put back the way it was previous to the transfer. I think that it is a shame that they use 1 % ltv as a reason to keep me in an escrow account where there were no deliquencies. I have never been deliquent on my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 381XX
Submitted Via: Web
Date Sent: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After receiving a seniors tax break on my home, the Loan Servicing Company ( LSC ) reduced my monthly payment. Soon after, the County raised my taxes by about {$320.00} per year and my homeowner insurance went up {$20.00} per year. Now the LSC wants me to pay them {$1000.00} more per year to make up for the {$340.00} change. The {$90.00} per month increase is considerable when living on Social Security. I called the LSC and they offered to adjust the increase to about {$60.00} per month, but that is still a lot under my circumstances. I asked them to waive their cushion of nearly {$300.00} to help absorb some of the shortage, since it was their calculations that contributed to the problem. They would not agree. I had to ask three different people before I could get someone to provide me with your agency name so I could ask for help. I hope you can help with a more reasonable solution to this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 404XX
Submitted Via: Web
Date Sent: 2018-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Specialized Loan Servicing ( SLS ), XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX are confirming based on their unauthorized mortgage position and assignments that I surrendered and included my property in Bankruptcy. In detail : 1. SLS stated I included my property in my Chapter XXXX 2. XXXX stated I surrendered my property in my Chapter XXXX. All statements from all companies are false. I NEVER surrendered my property. In addition, my Chapter XXXX 's were dismissed. See attachments
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: 2018-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, our mortgage was transferred from XXXX to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, XXXX had executed a HAMP modification on our mortgage, adding to the principal balance {$23000.00} of deferred interest. Since the modification, XXXX correctly applied our principal payments towards the deferred interest as shown in the enclosed XX/XX/XXXX andXX/XX/XXXX XXXX Tax Statements : {$3000.00} in XX/XX/XXXX and {$6500.00} in XX/XX/XXXX leaving a deferred interest balance of {$13000.00}. SLS erroneously did not apply ourXX/XX/XXXX principal payments towards the deferred interest balance as shown in the XX/XX/XXXX SLS Tax Statement and form XXXX. To alert them of the error on the XX/XX/XXXX SLS Form XXXX, we contacted SLS several times by phone in XX/XX/XXXX and XX/XX/XXXX and then provided SLS with copies of the XX/XX/XXXX XXXX Tax Statements by fax on XX/XX/XXXX and by email on XX/XX/XXXX. After multiple follow-up calls, we received a written response from SLS on XX/XX/XXXX : " We have researched your account, and our records indicate that the tax reporting described in your dispute was not in error. '' We contacted XXXX XXXX about this on XX/XX/XXXX and they opened a case with SLS. After multiple follow-ups by XXXX XXXX, we received a written response on XX/XX/XXXX from SLS falsely stating " As our records do not indicate a current deferred interest amount, we are unable to determine any necessary updates to the Form XXXX for tax year XX/XX/XXXX ''. Enclosed in their response was a copy of theXX/XX/XXXX XXXX Tax Statement which clearly shows in capital letters the " DEFERRED INTEREST ( ADDED TO PRINCIPAL BALANCE ) '' for {$23000.00} as well as the " PAYMENTS APPLIED TO PREVIOUSLY DEFERRED INTEREST '' for {$3000.00} in XX/XX/XXXX and {$6500.00} in the XX/XX/XXXX XXXX Tax Statement. In spite of the false denial by SLS, our account does have a deferred interest balance of {$13000.00} : {$23000.00} of deferred interest added to principal in XX/XX/XXXX minus {$3000.00} and {$6500.00} of payments applied to previously deferred interest in XX/XX/XXXX and XX/XX/XXXX respectively as shown in the Tax Statements of XXXX, the previous servicer of our mortgage. A fair resolution will be for SLS to apply our principal payments to previously deferred interest until the current deferred interest balance of {$13000.00} is exhausted and report it accordingly on Form XXXX since XX/XX/XXXX when SLS took over our mortgage. Thank you very much for your help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A