Date Received: 2018-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/2018. We sent SPECIALIZED LOAN SERVICING, LLC all of our documents for a review of a loan modification program to help us get back to paying our mortgage. We are in hopes that they will offer us something affordable. They said they have all documents and are in review. But still while in that review the foreclosure sale is still set for XX/XX/2018 and we are worried about that. If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95843
Submitted Via: Web
Date Sent: 2018-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I paid my mortgage to SLS online as I usually do but paid a minimal amount thinking I was at another account site. I immediately realized what I had done and went back to the SLS site and paid an amount that would make it so I had paid a full mortgage amount. When I looked at my banking account SLS had taken the larger amount that I paid ( to balance out the first payment ) and then also took a full mortgage payment out of my account. When I called and asked how did they get into my account to take the mortgage payment ( I have signed no authorization for access to my account ) they stated I had made the payment - which is not so. They immediately offered to return the larger payment ( the payment I made to balance out the first and make a full payment ) ; they never mentioned the first payment I made and it did not come out of my account. The representative I spoke to said the payment would be mailed out XX/XX/XXXX. I called back when I realized I had not gotten a confirmation number or reference number for the reimbursement of my money only to be told by the SLS representative that they do not give confirmation numbers or reference numbers for tracking interactions ( this I consider a problem and a way to not acknowledge issues ). What this representative did give me was the " teller '' number of the first person I spoke to - number XXXX. But this representative gave me XX/XX/XXXX ( not 11 like the first person said ) for the return of my money. XX/XX/XXXX not trusting the integrity of this company and especially after finding there were 782 complaints against them at your site, I called to verify the check had been mailed out. Now I was told by a representative ( XXXX ) the check would not be mailed until XX/XX/XXXX. This transaction of theirs has cost me ck fee because it caused an overdraft of my account. I not only want my money returned but I also want the check fees that were charged to me because of this. I do not understand how this company can have so many complaints and still exist. There are many complaints online but I don't know if these people know the correct channels to file a complaint. I believe if they did you would receive many, many more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2018-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: a mortgage co.named XXXX XXXX bought my mortgage from XXXX XXXX they sold it to s.l.s. specialized loan service s.l.s. started making my realestate tax payments without my knowledge they claimed I was not paying them so they reported to credit bureau my rating went from XXXX to XXXX so now I can't get a refinance I pay my homeowners ins s.l.s. sent a fax to travelers telling them I filed bankruptcy and my home of 33years was in foreclosure both lies I have a copy of the fax they sent to travelers travelers told my agent I have 20 days to prove otherwise I did that the last I've heard from them summing up my good credit of 50 years is shot I had a XXXX last XXXX. I can't get out from under s.l.s. can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minnXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55811
Submitted Via: Web
Date Sent: 2018-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The 2nd position loan company ( Specialized Loan Servicing ) ( SLS ) doesn't seem to want to negotiate with me on my property. I did a loan modification on the First position loan and immediately the 2nd position asked me to make sure that I don't let my loan go into default. ( see XX/XX/2018 letter from SLS ). Because the equity position is not there I was hoping to either do a loan modification on payments with my 2nd position loan, or have them write it off and send me a XXXX, or if it is a small amount they would want that maybe I could pay it off and settle with them. I have tried with numerous communication attempts including filling out the paperwork for hardship cases. Because of my medical condition with XXXX XXXX XXXX I was hoping to work something out on the property so I could continue to live in it. It took me much longer than I anticipated to receive my social security XXXX but I would like to remain in the property. I have sent the paperwork and will attach along with the copies of them receiving the registered mail. I have enough stress with my XXXX to be treated this way from the mortgage company. I want something in " Writing '' from them, but I have given them my email, phone number ( sometimes difficult in the mountains of AZ ), and of course they have my mailing address. Because I travel from my home to XXXX AZ for medical treatment I am usually unavailable to get my mail for sometimes from 4-6 days. Please have them respond to me so I can work something out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on the sale of my home on XX/XX/XXXX late in the afternoon. That was the XXXX XXXX holiday weekend so the wire transfer to SLS did not go out until Tuesday, XX/XX/XXXX. I had received a written payoff letter from SLS on XX/XX/XXXX with the payoff amount of {$210000.00}. The title company wired {$210000.00} which included an additional {$140.00} for the daily accrual of interest at {$28.00} times 5 days per the payoff letter. On XX/XX/XXXX ( 10 days after the closing ), the title company called me and XXXX/Specialized Loan Servicing ( SLS ) had contacted them with a new payoff letter dated XX/XX/XXXX which is now {$2100.00} higher! The house has closed and been paid off ( the new owners are in the house ) and now they're issuing another payoff letter with added fees that were not on the original payoff letter under the category " Outstanding Fees/Corp Advances. '' The original payoff letter dated XX/XX/XXXX had only {$34.00} for Outstanding Fees/Corp Advances. and now it's {$1400.00} plus they added late fees in the amount of {$340.00} that was not on the original payoff letter. This is unfair and how can they backtrack to add fees after the closing of the house took place on XX/XX/XXXX?! I'm hoping the CFPB will step in and put a stop to this bait and switch tactic which is what I've read about XXXX XXXX doing with their mortgage customers. In the meantime, they are rejecting the wire transfer and not paying the house off, I've moved on, new owners are in. What a disaster. I need help. Thank you. Also, back in early XX/XX/XXXX, hurricane Irma damaged my roof and I called and asked about the XXXX XXXX program which they had authorized their servicers to suspend payments up to 12 months and not report the late payments to the credit repositories. Here is the XXXX XXXX guidelines on that program which I should have been given but was never offered and SLS 's employees knew nothing about it. XXXX XXXX XXXX So I had to miss some payments to fix my roof then I had XXXX XXXXXXXX that took me out of work for 90 days. I had sent them the sales contract showing that I was selling the house in XX/XX/XXXX. They have never offered any type of assistance since XXXX sold this loan to them in XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized loan servicing has not sent me modification papers to fill out and I don't even think they are the company that has the right to
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: 2018-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I got a mortgage on my Mom and Dad 's home to help pay debt. The loan paid of some debt and the rest covered the mortgage. The loan was with my parent 's bank XXXX XXXX XXXX XXXX XXXX. The mortgage was for : Principal and Interest {$740.00} Flood insurance XXXX Mortgage Total : {$790.00} **Please note that hazard insurance, PML/FHA, Taxes and other were NOT apart of the loan as my parents are on fixed incomes and could NOT afford it. I pay their taxes and homeowners insurance seperately as I have proof of that. XXXX sold the mortgage to XXXX who at one time tried to collect the escrow for taxes and homeowners, but I sent them the original loan documents and they corrected it immediately. XXXX sold the loan to XXXX XXXX XXXX and since XX/XX/XXXX, I have been trying to get the to stop trying to take the escrow for Taxes and homeowners. They have received proof that I pay the taxes in XX/XX/XXXX of every year and this covers the payment due in XX/XX/XXXX and XX/XX/XXXX, I have also sent them records that I pay the homeowners quarterly. I was originally told to just pay my original amount until they get it straightened out, So that is what I did each month I pay the payment of {$790.00}, then in XX/XX/XXXX they put payments in suspense, moved our payments to escrow and made it look like we were late on payments. Finally in XX/XX/XXXX I talked with another supervisor who said once I paid the amount of {$3600.00} which would bring account current ( even though we were current but they were putting our payments elsewhere ) the problem would be fixed within a week and we would get the escrow money back ( WHICH WAS MONEY I WAS GOING TO PAY TOWARDS MY MOTHERS FUNERAL EXPENSES SHE XXXX XX/XX/XXXX ). But again they lied and refuse to abide by the original mortgage loan. I have provided them with all 3 years of tax payments, documentation to show that I also pay homeowners. XXXX county also always returns their money to them and they have a note not to accept their payments. Now it is XX/XX/XXXX and they expect me to pay a payment of over {$1100.00}, which is way more then my Father has from is pension. WE DESPERATELY NEED HELP!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32738
Submitted Via: Web
Date Sent: 2018-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had XXXX XXXX a while back ; suddenly I was slammed with this new and AWFUL mortgage company, SLS ( Specialized Loan Servicing ) and they are the absolute WORST. I have NEVER been able to reach them when I called ; NO ONE EVER PICKS UP! They are the most incompetent ineffectual group of worthless hacks I've ever had the misfortune of being subjected to. After multiple frustrating situations with SLS, I decided to look on line and read some reviewsAnd they are ALL NEGATIVE! Not one single legitimate positive review! I have included THREE website links for you to see for yourself ( XXXX, XXXX and Consumer Affairs ). 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX I am looking for the resolution action of releasing me from this miserable company, and be allowed to choose my own loan servicer, preferably my own bank, XXXX XXXX. Then, SLS should be SUED for making so many people 's life so miserable! Thank you! XXXX XXXX XXXX XXXX XXXX. XXXX, OH XXXX 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: 44124
Submitted Via: Web
Date Sent: 2018-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I AM FILING A COMPLAINT AGAINST MY MORTGAGE COMPANY SPECILIZED LOAN SERVICES BASE IN XXXX, I LOST MY SOCIAL SECURITY FOR A 3 MONTH PERIOD INXX/XX/XXXX -XX/XX/XXXX AND I TOLD SPECIALIZED LOAN SERVICES THIS WHEN IT WAS HAPPENING AND I WAS TOLD WHEN YOU GET YOUR INCOME BACK JUST SEND US WHAT YOU OWE US TO GET BACK ON TRACK, SO I DID IN XX/XX/XXXX I SENT THEM A CHECK FOR THE 4 MONTHS AND ABOUT MID XX/XX/XXXX THEY SENT ME A LETTER AND A MY CHECK BACK STATING THEY ARENT ACCEPTING THIS CHECK AS IT IS PAST 90 DAYS AND MY LOAN IS IN DEFAULT. IN XX/XX/XXXX I GET A LEGAL PAPERS STATING BC OF THE DEFAULT THEY ARE STARTING FORCLOSURE PRECEEDINGS, I IMMEDIATELY GET AN ATTORNEY AND HE BEEN TRYING TO TELL THEM THAT I HAVE THE INCOME TO SUPPORT THE HOME AND I WANT TO STAY IN HOME, AND BECAUSE THE MORTGAGE COMPANY AND THE COURT ARE DRAGGING THERE FEET, I NOW OWE {$73000.00} IN ARREERS AND MY ATTORNEY HAS LEFT NUMEROUS MESSAGES FOR THE MORTGAGE COMPANY TO PUT THE AREERS ON END OF LOAN AS A BALLOON AND THE MORTGAGE COMPANY REFUSES TO CO-OPERATE OR EVEN GIVE ATTORNEY A PHONE CALL OR NOTHING THEY REFUSE TO MOTIFY THIS LOAN OR EVEN NEGOTIATE THIS LOAN, AND I HAVE NO OTHER WAY BUT BANKRUPTCY AT THIS POINT WHICH I DONT WANT TO DO.I AM ON XXXX CANT WORK, AND THE SPECIALIZED LOAN SERVICES REFUSE TO NEGOTIATE WITH MY ATTORNEY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2018-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Just some history : My wife XXXX and I purchased our home in XXXX XX/XX/XXXX and my mortgage company was XXXX XXXX which then sold the loan to Specialized Loan Servicing, LLC, ( SLS ). At that time we where residents of Vermont and we spent the seasons in XXXX. XXXX XXXX XXXX on XX/XX/XXXX from XXXX. I sold my house in Vermont on XX/XX/XXXX and moved to XXXX. XXXX estate had been long settled and all our banks account where closed and I presently do all my banking XXXX. In XX/XX/XXXX I refinanced my mortgage with XXXX XXXX and in XX/XX/XXXX SLS sent me a check for {$860.00} to close out my mortgage. However the check was made out to my self and XXXX. I called SLS and explained to SLS my wife had passed way and I couldnt cash the check. I also reminded SLS on XX/XX/XXXX I sent them a letter stating XXXX died along with a copy of the Death Certificate. SLS agreed they had a Death Certificate but SLS said SLS had to make the check out to both of us. After constantly explaining to them my wife estate was settled and I had no joint account. SLS finely send me to a person that could help, that person said to send a letter explaining the issue and SLS would send another check made out to me only. I typed a letter XX/XX/XXXX mailed it to SLS. I called again on XX/XX/XXXX and spoke XXXX ; he informed me they never received the letter. XXXX gave me a fax number and I faxed a copy the same letter I mailed early. I have a copy of the fax and the transmission verification report. I have called SLS on XX/XX/XXXX and was told the check was in approval process. On the XX/XX/XXXX I called to see if the check was released. I was told I should have the have the check by XX/XX/XXXX, never happened. I called again on XX/XX/XXXX. This time I was told to check has been approved, but not issued. I asked to have a manager to call ; once again they never called back. I called again on XX/XX/XXXX and was told again the check has been approved, but not released. Again I asked to speak to a manager ; again I was told the manager would call me within 4 to 6 hours. Never happened. I must say SLS is the most unprofessional company I have ever deal with. One of the issues is every time I call the wait time is very long, and phone number that SLS provides is not the department that handles my problem ; so each time I call I have to go through the entire problem, then Im transferred to the correct department and wait. I asked for the number for that department and they wouldnt give it to me. Every person I spoke to said this shouldnt happen, we will get it fixed. This issue has been going on since XX/XX/XXXX, to my understanding there is legal reason SLS cant send me check. I believe SLS acted very unprofessional and the way they conduct business leaves a lot to be desired. I believe they are just jerking me around, with the hope I will go away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2018-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A