Date Received: 2018-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have received a 45 day notice of foreclosure form SLS. According to SLS, I have missed payments. SLS has not been sending me monthly statements. I was under the impression that my mortgage was being paid on time every month. SLS tells me that because of Chapter XXXX bankruptcy they have not been sending me any correspondences regarding my account. If this is the reason then why add late payments and Corporate Recovery Advance fees and a 45 day notice of foreclosure. Last year, my mortgage was transferred form XXXX XXXX to SLS. My very first payment had been applied to someone else 's account. I find this out after SLS sent me a 45 day notice of foreclosure and having to prove to them that I had paid the bill. My current situation is that I have been sent another 45 day notice of foreclosure. I have been paying {$850.00} every month on time. After calling SLS concerning this, I have talked to several different customer service representatives. One of them tells me that the account has been delinquent since XX/XX/XXXX because escrow went up, another one tells me that the account has been delinquent since XX/XX/XXXX because the escrow was short. Either way late fees have been accumulated nobody is able to tell me when the late fees started or how much the late fees are and why I was not notified of any of this. I believe this is a predatory practice. SLS has not sent me any correspondences regarding escrow or monthly payments. They wait until the account is so far passed due that I can't afford to pay it so that they can take my house. This seems to me to be a predatory practice. After all this time, they never let me know that the bill was late and that they were tackling on late fees and corporate recovery advances fees. If they had been sending out the statements and making me aware of what was going on with my account ; my account would be current as of today. According to SLS, my monthly payment is {$900.00} that is only a {$45.00} increase. It is a devastating to me that SLS is trying to force me into foreclosure with their predatory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39056
Submitted Via: Web
Date Sent: 2018-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my house through XXXX XXXX and they have sent two wire transfers to Specialized Loan Servicing to pay off Account # XXXX first wire transfer Amount : {$130000.00} USD XXXX Reference : XXXX second -Wire trasnfer Amount $ XXXXUSD _ XXXX Reference : XXXX for Specialized Loan Servicing Account # XXXX Specialized Loan Servicing is holding to this moneys and haven't credited my mortgage account and are showing my account with two months non payment. Next Payment Due : XX/XX/XXXX Amount : {$1300.00} PRINCIPAL & INT PAYMENT : {$1100.00} CURRENT ESCROW PAYMENT : {$210.00} TOTAL MONTHLY PAYMENT : {$1300.00} AUTOMATIC PAYMENTS : LAST PAYMENT RECEIVED :XX/XX/XXXX ESCROW BALANCE : {$680.00} PRINCIPAL BALANCE : {$130000.00} XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent a check to my mortgage company, Specialized Loan Servicing on XX/XX/2018 for the full amount of XXXX monthly payment. I have until XX/XX/2018 to make the payment. The company did not cash my check, however did an ACH direct withdrawal from my bank account for the full amount. They have not posted that payment to my mortgage. I have been in contact with them since mid XXXX and sent them the information multiple times. They are reporting late payments each month because when I mail my current payment, they are applying it to the month outstanding. I can't get a copy of the cancelled check because they did not cash it. My bank has told me to send them my statement showing the ACH Payment coming out of my account. I have done that multiple times in the ways they have told me to send it in. Still, the payment does not reflect as being applied to my mortgage. They have listed me as late on multiple occasions, because they put my payment into a " holding '' account and then remove it and reapply it. I have called and written them, and can't seem to get anywhere. I filed a written complaint to the Dept of Savings & Mortgage Lending link on their website and they tell me they are not the correct people to contact and gave me this site to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42003
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit reports and saw that Specialized Loan Servicing is reporting inaccurate information. My credit profile is showing 180 delinquent with all of the three credit Bureaus. I am disputing the delinquency due to the notification that I received on XX/XX/2018 from my bank. I sent my monthly payment, and ( SLS ) refused to accept it. I called ( SLS ) with a counselor from XXXX XXXX, and a customer representative said that they would not accept any more of my payments. That led me to do a complaint with ( CFPB ). I then filed for a modification in fear that I would lose my home. It took some months before they started accepting my payments. ** I have attached the letter from XXXX, but this payment was not the only one that was not accepted. **
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX I asked that the company remove the PMI from my mortgage and the company sent a realtor over to evaluate the value of my home ... Both she and I agreed that the value has increased ... The company sent me a letter stating that I was at an LTV of XXXX value .... I called the company on 3 separate occasions to dispute the LTV an no one at the company will tell me what the estimated value is ... I had a realtor do a comparative market analysis on me home which came to XXXX ... .. I bought the home in XX/XX/XXXX for XXXX .... I now owe XXXX and the company is giving me the run around about removing my PMI ... .According to my loan terms ... the PMI is suppose to fall off at 75 % LTV .... By using simple 6th grade math anyone can see I'm at 80 % and the still won't remove the PMI .... Help please ... I hate crooks!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2018-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After filing a complaint to get a copy of loan payment history records with CFPB on XX/XX/XXXX I received the requested information on XX/XX/XXXX. In their letter Specialized Loan Servicing ( SLS ) that both my account transferred to SLS on XX/XX/XXXX, XXXX and the account in question was due for the XX/XX/XXXX post-petition payment. The other account was correctly shown as having the payment due XX/XX/XXXX. After review of the payment histories provided and my payment records I see that I paid XXXX payment to the prior Loan Servicing company and did not owe an XXXX payment to SLS as they stated. They have been wrongly charging me a XXXX late fee since they took over this loan. I sent a certified letter stating the problem and asking it be corrected AND I be refunded the improper late charges and included documentation from XXXX XXXX that they had received the XXXX payment on XX/XX/XXXX. I received a reply from SLS dated XX/XX/XXXX saying the received my letter and my case is under review. I have since made MANY phone call but have not received any answers or reply 's and the errors have not been corrected. They said in their letter they would have a response issued to me within state and/or federal regulations timeframes. I don't know what those timeframes are but I do know it have been 6 months!
Company Response:
State: MO
Zip: 65201
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Were writing requesting your assistance in disputing fraud billing from Specialized Loan Servicing LLC for a property which is not owned by us as it has changed ownership under a court ordered Receivership on XX/XX/XXXX The property in question is XXXX XXXX XXXX located in XXXX, Massachusetts. This property was surrendered under Chapter XXXX bankruptcy on XX/XX/XXXX and since then, no payments were made on the previous outstanding mortgage. Please be informed that since XX/XX/XXXX through XX/XX/XXXX the mortgage on this property has been sold numerous times to different lending institutions. SLS claims that we still owe them {$150000.00} and refuse to acknowledge that the property was sold to XXXX XXXX on XX/XX/XXXX under a receivership sale approved by the Housing Court/Commonwealth of Massachusetts. As the property was surrendered under bankruptcy and subsequently was sold by the courts, SLS should cease all billing and correspondence to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My property tax is paid with my mortgage payment via SLS Mortgage - the loan servicer. In XX/XX/XXXX, I called SLS Mortgage to find out what the process would be for receiving a refund if I decided to directly pay my 2nd property tax installment by XX/XX/XXXX. I was told that it was a simple process to be reimbursed for the pre-paid property tax ; that I would just need to fax or mail SLS a letter requesting the refund and a receipt from the County proving that I had paid the tax. I was clearly misled when I was told that it would be a simple process back in XXXX. Based on what I was led to believe, I prepaid my 2nd property tax installment by XX/XX/XXXX, and did exactly what SLS required in order to receive my refund from the escrow account. On XX/XX/XXXX, I mailed all verification of the paid tax. However, as of today, XX/XX/XXXX, I have NOT received my money back from SLS. I have been calling since XXXX, and have been given the run around by various departments at SLS. I believe that SLS is illegally holding my funds. Please have SLS release my money immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94303
Submitted Via: Web
Date Sent: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My situation is unique because its been caused by my employer state government closed my work the sudden loss of income had a bad impact on my health to the point that I was forced to apply for my social security benefit unfortunately government dont care about people they are slow behind I send my situation to the office of senator XXXX XXXX and California governor XXXX XXXX and they are aware of my situation I the other hand SLS never worked or try to assist me And from the beginning everything they done is only in a path to take my home SLS is under a lawsuites for not comply and doing the same thing they done to me to other homeowner and this is how they operate by playing game toying with home owners so they could take their home I have hundreds of complaints of other homeowners that how SLS took their home On the same date that SLS is selling g my home I have XXXX My son is in. XXXX XXXX SLS is a fruad company and they need to be fined and put away for what they done and doing to home owners Cfpb not doing their job by not investigate SLS
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: 2018-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing Payoff Statement Issued XXXX, shows a line for Deferred Interest of {$12000.00}. The most current loan from an XXXX XXXX Loan Modification, does not show Deferred Interest of {$12000.00}. The payoff statement is incorrect. SLS needs to revise the payoff statement to appropriately reflect the Loan Modification Agreement dated XXXX XXXX and Received by SLS on XXXX XXXX.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A