Date Received: 2018-05-10
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Found out that my mortgage company, Specialized Loan Services ( SLS ), has yet to file my on time payments with XXXX credit Bureau. I have been calling them for over 3 weeks each day to see about a resolution and they have yet to resolve issue as I have spoken to credit bureau who verified no resolution has occurred after they have reached out to creditor. I have spoken to serval customer service agents along with supervisors and nothing is rectified to this date XX/XX/XXXX. Also asked for mortgage note on home and loan company could not produce. I was then sent one from XX/XX/XXXX which is not the same as my current mortgage note. Three weeks later and still no correction to credit report nor my current mortgage note
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/18 XXXX CST Trouble again with the website and making a payment with Specialized Loan Servicing https : //www.sls.net/ 1. Their new provider " Official Payment '' web page gives an error message of " DDA contains invalid character '' This prevents me from making a payment. 2. Calls to Customer Service tell me to send it through my banks bill pay. ( risking it being late ) 3. Customer Service refused by two different customer service reps to drop the fee to pay over the phone. 4. Customer Service also explained to me that they have now added a {$12.00} fee to pay from my bank account online. It used to be free. No notification sent. 5. The only option is to send in a paper check for no fee. 6. When I asked if I needed to put in a ticket and report the website error to Tech support, the customer service lady stated that there was no system for reporting those errors and that she would pass the information onto her supervisor. She didn't seem phased and it felt like she was giving me a line. 7. The company reps did not state that they were working on the known website issue. The attitude was that they didn't care. This is very concerning because it is the main method of payment for our mortgages. 8. This is the 2nd time in a year I have experienced changes and problems with making payments to SLS Mortgage Servicing. Previously I went for several months of not being able to log in and obtain any information on my account. They did not care. This company needs to be watched. Side note I am current on my loan and I don't pay late. Thank you for taking the time to review this. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2018-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage was put into a disaster forbearance plan in XX/XX/XXXX from Hurricane Irma. At the end of the six month forbearance ( XX/XX/XXXX ) i was offered and accepted a loan modification with trial payments that put the six months from the forbearance onto the end of the loan. On or about XX/XX/XXXX, my mortgage lender SLS, reported me 180 days delinquent. Those so called delinquent payments were added to the end of the loan and thus cant be delinquent. I have tried numerous times to explain with numerous letters and phone calls but to avail. I had four other mortgage lenders gave me the same disaster assistance with the payments added to the end of the loan, and none reported late ever. SLS is acting with a complete disregard for the consumer. Inflicting even more damage now than was caused already by the storm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed bk when my son got sick and I needed medication to keep him alive. I did not pay on the 2nd mortgage only on the first. The second mortgage raised the interest rate and I can not pay the higher amount. I asked for a modification and I was denied. I want to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95376
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent complaint CFPB # XXXX in 2017, about XXXX XXXX XXXX 's Escrow Fraud. I hoped that was the end of it, but 2 months later XXXX transferred the servicing of my loan to Specialized Loan Servicing and it all started again. XXXX or SLS can NOT show that I ever actually signed up for any escrow what so ever. I DID NOT ASK FOR AN ESCROW ACCOUNT! I have asked for proof that I did, over and over, and they just ignore that part. I have NO escrow account with either company yet they say that I owe over {$3000.00} for this imaginary escrow. I do not! After answering to you, they suggested that I have an escrow for home insurance. I made 2 large payments, but they did not pay the premiums for my home insurance with XXXX XXXX and my insurance was cancelled! I worked out a payment plan to be reinstated and demanded that any money from XXXX or SLS be returned. For this current year, I have already paid monthly insurances ( home ) and total flood and taxes. SLS continues to demand thousands from me even though there is nothing to pay. SINCE I NEVER SIGNED UP FOR ESCROW, THEY MUST STOP THE HARRASSMENT. THEY PLAN TO FORECLOSE!!! They have resorted to sending back my monthly mortgage payments. I suspect they will then be saying I am " behind '' in my payments? I AM ABOUT TO LOSE MY HOME OVER $ 3,000+ which I do not owe and can not pay. I have made my mortgage payment every month. I WANT AN HONEST PAYOFF AMOUNT WITH NO IMAGINARY ESCROW, SO I CAN REFINANCE WITH MY CREDIT UNION. HELP!
Company Response:
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: They waited 8 years to start the foreclosure process. They waited like snakes in the grass. They waited until there was some equity in the property. But you didn't consider that I AM A VICTIM OF PREDATORY LENDING BY THE FOLLOWING XXXX XXXX, XXXX XXXX XXXXXXXX, SLS XXXX XXXX. The pattern is obvious. You charged me more than what I owed now I am giving you the option of returning the {$35000.00} you stole from me. You forced me to pay {$93000.00} or threatened to take my home, the debt was {$55000.00}. You even sent offers to settle at {$32000.00} or less. I was sent a slew of loan modification denials. Denials for programs I never even applied for. I was told by the woman they call XXXX she clearly stated that SLS has no intention of providing me a loan modification or loss mitigation remedy. She made that comment via phone weeks before these denials even got to my mailbox. I went over my financials with a HUD counselor, we both agreed that I have a {$600.00} surplus, after paying my primary mortgage. Knowing the DREADFUL culture of SLS along with the millions of negative complaints here on the CFPB website, I also knew they had no intention of granting me a workout. SLS 's process of offering and inviting consumers to apply for loss mitigation options, only because the law requires them to. Ultimately they then creating blocks to be evaluated for loss mitigation options are there likely to deceive consumers. SLS pattern and practice. I AM A VICTIM OF PREDATORY LENDING BY THE FOLLOWING XXXX XXXX XXXX XXXX XXXX SLS XXXX XXXX XXXX A department investigation concluded that XXXX loan officers and brokers charged higher fees and rates to more than 200,000 minority borrowers across the country than to white borrowers who posed the same credit risk. XXXX also steered more than 10,000 minority borrowers into costly subprime mortgages when white borrowers with similar credit profiles received regular loans, it found. Predatory lending becomes a crime in California when the lender manages the loan transaction to extract the maximum value for itself without regard for the borrower 's ability to repay the loan. Generally speaking, there are two features that are common to most illegal predatory lending schemes. These include 1. target marketing to households based on illegal, discriminatory practices such as race, ethnicity, age, and/or gender that are unrelated to creditworthiness, and 1 unjustifiable and unreasonable loan terms that maximize the lender 's potential earning capacity at the expense of the borrower. I was given two interest-only loans, my white neighbors got normal loans. The scheme was designed against minority homeowners, XXXX people, so that 10 years later they can circle-back-around and steal everything you worked for. SLS inherited XXXX culture, still targeting XXXX people with no regard. I'm demanding the {$35000.00} the interest you charged me. Here is your chance to pay me. I m also aware If your mortgage documents clearly show that your lender violated the TILA, you may have legal grounds to file a lawsuit. Victims who file a civil lawsuit against their lenders and win can collect monetary damages. If your predatory loan was a mortgage, you can collect up to twice the sum of finance charges your mortgage company levied against you. I am in contact with legal counsel.
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: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I filed an insurance claim to have my roof fixed with XXXX the claim was approved and a three party check was issued in the amount of {$20000.00} and some change. The mortgage company is finding arbitrary reasons not to release the check. The first the pages of the claim did not have the claim number on each page 26 pages were faxed over. Then a the docs faxed from XXXX was missing a cover sheet. Next on t he XXXX box 3 was not filled in. On the XXXX th at the contractors the signature was to light then the date on the form was scratched through and corrected to the current date. Now the version XXXX is not the current year the version the sent us was XX/XX/XXXX and must be XX/XX/XXXX however this is what was provided to us. I requested a new XXXX to be faxed to me on XX/XX/XXXX I was told by a person named XXXX it could take up to 24 hrs to receive. I have not received it. I the XXXX be faxed to the contractor he has not received it. when you send in a for the mortgage claims it takes 24-36 hr turn around time for them to review the documents. I need my roof fixed there is no logical reason it should take 4 months to process a claim check. In the meantime I also requested a loan payoff sheet from SLS twice and have not received that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I received a correspondence from SLS dated XX/XX/XXXX that our account was in potential or existing default and a case manager had been assigned. I immediately contact SLS who stated the letter was sent in error. Another customer with a similar address should have received the letter. I asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was noted. A week or so later, we received an additional letter, also dated XX/XX/XXXX, again stating that we requested mortgage assistance and our house was being sold via short sale. I immediately contacted SLS and again told this was sent in error. Our account was noted on XX/XX/XXXX that the letters were inaccurate but not from my original call a week or two prior. Again I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being sold. I was told they would not and could not provide me with anything of the sort which at this point is unacceptable. We have never been late on one mortgage payment and feel are being targeted and penalized by what we can only assume is a predatory loan servicer/lender to try and take our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2018-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a letter from XXXX XXXX saying my loan was transferred to Specialized Loan Servicing, and that I should make my next payment directly to them. XXXX XXXX had been taking out my payments weekly. So, I called them immediately because my next weekly payment would be the XX/XX/XXXX. I spoke to someone who took my loan number information, the routing number, and the account number and I authorized her to withdraw {$600.00} because I knew the payments were somewhere aroudn {$580.00} but because the letter got to me so late I didnt want to have a missed payment and opted to pay a little more. She advised me that eventually my account would be set up and that I would be able to do this myself. She confirmed the address where I was to send my checks every week. On XX/XX/XXXX when i received my bank statement I noticed the checks had been cash but the original authorized debit had not been made. I called in, I spoke to them for 30 minutes. It was at this time that I was told that they dont accept weekly payments, so the amounts I had sent in were going towards my principal and I had to make full payments. Already that didnt make sense because XXXX XXXX had the first two weeks of payments, and I sent in the next two weeks of payments to complete the payment due XX/XX/XXXX. I advised that I had already sent in my first two weeks in XXXX payments. I was given the balance for the XXXX first payment of {$1100.00} and told that since they do not accept weekly payments after that I would have to make my payment on XX/XX/XXXX instead of making these individual payments. I sent in the {$1100.00} check for the XX/XX/XXXX balance, opened a separate account, so that I could put my weekly payments there, and then simply send monthly payments beginning on XX/XX/XXXX. Starting XX/XX/XXXX, I started receiving phone calls saying that I did not make my XXXX Payment and that the payment I made was to complete XXXX payment. And I needed to make another full payment to catch up on my loan. I told him thats not true, and Iread the cancelled checks to him. He insisted I was wrong. I told him to send me the information in writing and to not call me again. He said oh, Im going to keep calling, until you pay your back payment and then you will be foreclosed on. They have called me every day twice a day. Here is the breakdown of my payments and when they cleared my account : XX/XX/XXXX XXXX XXXX withdrew {$590.00} XX/XX/XXXX XXXX XXXX withdrew. {$590.00} XX/XX/XXXX check # XXXX cleared. {$600.00} XX/XX/XXXX check # XXXX cleared. {$600.00} ( These 4 payments should have covered XX/XX/XXXX payment ) XX/XX/XXXX check # XXXX cleared. {$600.00} XX/XX/XXXX check # XXXX cleared. {$600.00} These were the two payments that the manager acknowledged and told me I could no longer mKe weekly payments. He told me to send a check for the balance before XX/XX/XXXX and from then on I would have to make monthly payments. XX/XX/XXXX.check # XXXX cleared. {$1100.00} This would have completed my XX/XX/XXXXpayment, and now I was prepared to make monthly payments starting XX/XX/XXXX since they do not accept the weekly payments. Right now, I have no idea where my payments went. Im getting harassing phone calls and I am now mailing my XX/XX/XXXX payment concerned about where it will end up. No one has responded to a letter I wrote and faxed over on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2018-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: All of a sudden out of no where without my knowledge XXXX XXXX sold my Mortgage to SLS mortgage company in XX/XX/XXXX. SLS says I missed the XX/XX/XXXX payment so I couldnt keep up and now my credit went down and I had to pay an extra payment to keep my northern up to date it took me until XX/XX/XXXX to pay the extra payment which means I paid two mortgage payments in one month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11581
Submitted Via: Web
Date Sent: 2018-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A