Date Received: 2018-08-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been Negotiating the Short Sale with 1 point of contact for since XX/XX/2018 and on XX/XX/2018 I was asked to resubmit the Entire Short Sale packet which was confirmed received. I have been calling for the last 2-3 weeks and speaking with different individuals who never once mentioned that the Short Sale was closed out until today XX/XX/18. also, they have filed for a Foreclosure Sale date on XX/XX/2018. The reason SLS States that it was closed out was that they could not verify the Successor in Interest ( letter attached ) which makes absolutely no sense since they were provided with the Letters of Testate from the Probate Courts on the XX/XX/XXXX. What shocks me is that nothing was ever mentioned until today. I'm sure that if I re-submitted the paperwork they would tell me that it was too close to the sale date and nothing could be done. Also, the Probate Administrator ( Successor ) filed a complaint with the CFPB about the Valuation being Incorrect and requesting an appraisal as oppose to a Brokers Opinion of Value. ( see Complaint # XXXX ). Nothing was done other than waste time intentionally. I verified with the home owner and they stated that they spoke with CFBP and were told that the lender hadn't responded and they could not help her. This seems like a Huge Scam on the Part of XXXX. I requested a copy of the Denial Letter that was only mentioned to me today and as the point of contact I think a simple Email or Phone call regarding the denial would have been helpful back when it was submitted. The letter is Dated XX/XX/2018. I am going to have an attorney step in to put things in order with this Lender. SLS had recently changed over to a different system so they mention but that is no excuse to what seems to be Deliberately stringing this along in order to foreclose on the property. Be very wary with Specialized Loan Servicing as they are not conducting Business Fairly and all should be able to see this complaint and use it as a reference when dealing with SLS. I'm certain they will do the same and not respond to this complaint like they did with the other complaint attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sold my house in XX/XX/2018 and have been waiting 5 months for them to return my escrow money. I've called many times and they keep saying the check is in the mail but it never comes. There is always some story as to why it was not sent such as it was sent to someone else or some other place. I've been more than patient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34209
Submitted Via: Web
Date Sent: 2018-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing ( SLS ) is ignoring the " Qualified Written Request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). The request was submitted to them several times and as of this date, it has been ignored. This urgent matter has been ignored by SLS. All they care about is to take our home on XX/XX/18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am very disappointed of Cfpb and their represanative its a shame and I am disgusted of Cfpb operation you been invented to make sure banks motgsge servicer doesnt cheat and XXXX off consumers instead you are helping these XXXX XXXX cheat mortgage servicer to XXXX off people and frsudly take peoples home. Read the documents I included take action I am not alow SLS monster to take my home SLS is a cheat XXXX XXXX off stop these monsters now I sent their conducts to the FBI and I will Also contact my state attorney and federal court SLS should be shut down they are not and mortgage servicer they are fraud cheat XXXX who have to be punished for what they done continue doing to people What I sending u is just a small portion I have about 100 pages of how these monsters do business and put people out in the stree read them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2018-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, including but not limited to Specialized Loan Servicing, LCC ( SLS ) and all unauthorized mortgage assignments affiliates are reluctant to address my concerns explaining in detail the fraudulent mortgage assignments of why and how these assignments took place without an official POA for each assignment. These assignments some recorded and some were not recorded without my knowledge without the originators written authorization to do so, since the original originator business dissolved years prior. XXXX XXXX XXXX XXXX will not address my concerns and informing me to contact an entity ( SLS ) that they have no affiliation is alarming ( see attachments ). Since XXXX recorded on my deed as " grantor '' without authorization from an official representative and POA from XXXX XXXX that dissolved is of great concern without answers from SLS and all of the chain that executed assignments without merit. Since XXXX XXXX XXXX XXXX is very aggressive with confirming holding a fraudulent lien on my property and rushing to accept and assign unauthorized mortgage assignments without holding responsibility for any liability, my concern why is SLS and all of the chain of affiliates reluctant to address all of the unauthorized mortgage assignment of discovery? I request that all parties ( XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX. XXXX, XXXX, XXXX XXXX ) be accountable in referencing the attachment on pages 5,6,7, & 8. Under a microscope, initiating with XXXX up to XXXX ( unidentified representatives ) states in fact that XXXX XXXX XXXX XXXX executed and authorized XXXX as Power of Attorney as its Servicer & Attorney-in-fact on XX/XX/2016.
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: 2018-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Ive been requesting a modification since XX/XX/2017. That is when I was able to make my trial payments after my retirement went through.SLS put through a modification in XX/XX/2017 when I had no income to pay. Currently I can make the payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08618
Submitted Via: Web
Date Sent: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2018 @ XXXX EST, XXXX XXXX XXXX XXXX XXXX received ( via certified mail ) my debt validation request. I did not receive a response from XXXX XXXX XXXX, XXXX nor their client Specialized Loan Servicing, LLC ( SLS ) until XX/XX/2018. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), creditors have 30 days to investigate disputes. And if creditors can not verify the information within 30-days, they MUST delete and permanently remove all disputed accounts from the consumers credit reports. Failure to do so can result in a {$1000.00} fine per un-deleted item.
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: 2018-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2018-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our authorization was faxed XX/XX/XXXX. On XX/XX/XXXX I spoke to a rep who said they had received our authorization and there was no foreclosure date scheduled. On XX/XX/XXXX we also faxed and emailed the Purchase Agreement, HUD, Buyers LLC Docs and Buyers Proof of Funds. XX/XX/XXXX we called in to make sure they received the offer documentation. We were told SLS will not review the file for a short sale since it was received less than 45 days before the auction date..Suddenly there is a foreclosure date of XX/XX/XXXX? AND they are refusing to work on the short sale? I want SLS to work on the short sale as there was no foreclosure date when the offer was submitted.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS had previously reported late payments from XX/XX/XXXX to XX/XX/XXXX. I contacted them and filed complaint with the XXXX of Colorado. On XXXX XXXX, I received letter from SLS stating all agreed payments were received, and account was in Good Standing. I received SLS confirmation on XX/XX/XXXX, that all payments were received from XX/XX/XXXX to XX/XX/XXXX. Currently both XXXX and XXXX show that all payments from XX/XX/XXXX thru XX/XX/XXXX were 90-150 days past due, which is incorrectly reported. This is negatively affecting my credit scores and needs correcting. Also as of XX/XX/XXXX, SLS mortgage payments have been {$650.00} per month and paid in full with this amount. SLS incorrectly updated my XXXX and XXXX reports on XX/XX/XXXX showing my monthly mortgage payment is {$920.00} This was incorrectly reported and I was not notified of any change in my monthly mortgage payment owed as of XX/XX/XXXX. I need verification from SLS of when and why my monthly mortgage payment was changed, and if incorrect, I need it corrected on both my XXXX and XXXX credit reports. Sincerely, XXXX 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: 2018-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A