Date Received: 2018-03-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, after repeated attempts to get proper consideration for loan modification requests from SLS, we employed the services of XXXX XXXX XXXX of XXXX for arbitration assistance in this matter. We paid that organization XXXX for the services, and agreed to pay XXXX XXXX/mo during the course of their services representing our interests in this regard. XXXX has not provided information that our foreclosure will not proceed forward, and we were not informed until late yesterday that they had been unable to process our requests due to a missing document. We have provided that document and expected information forthcoming that the sale scheduled for Monday, XX/XX/2018 at XXXX XXXX to be stopped and other processes taken up to ensure that we are provided fair opportunity to address the issues at hand. We now believe both SLS and XXXX have abused our trust and the terms of the agreements we had with those organizations and we are in danger of losing our home.
Company Response:
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2018-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In the beginning of XX/XX/XXXX - sometime around XX/XX/XXXX - Specialized Loan Servicing ( SLS ) of XXXX XXXX, CO advised me in writing that I was delinquent in payments for the mortgage I have on rental property ( formerly a personal residence ). The mortgage with SLS ( which was purchased by SLS from another company ) is for P & I only. I do not recall when my husband and I originally closed on this mortgage, but I believe it was somewhere around XX/XX/XXXX or XX/XX/XXXX. SLS is attempting to collect monies for an escrow to pay property taxes and insurance. I have always paid my mortgage payments on time, and for the past several years, the payment has been made prior to the due date. In XX/XX/XXXX, SLS would repeatedly call me when I was at work wanting to collect funds from me to bring the account current, even though I told them I did not owe the debt. I had to request they cease communicating with me by phone because I was getting called multiple times per day/per week from their employees. After that request, everything was done in writing. I have always paid my own property insurance and property taxes. Proof of payment has been provided to them via my attorney. However SLS continues to pursue and has been reporting to various consumer reporting agencies that I am delinquent in the payment of my mortgage which has negatively impacted my credit score. SLS has repeatedly failed to provide documentation that proves I owe them monies for an escrow account, has failed to provide information as to the specific paragraph in the original mortgage that states I owe monies for an escrow account. Unable to resolve the situation on my own, I retained an attorney in XX/XX/XXXX to settle this matter with SLS, but SLS was refusing to speak with the attorney. I then retained a different attorney in XXXX of XXXX. My current attorney has made repeated requests to SLS to remove this reporting from consumer reporting agencies, but SLS failed to do so, and her requests for proof of the debt have gone unanswered. SLS recently sold the mortgage to another company, and I am concerned that this new company will also be reporting a debt, that I believe, is not owed. I would like SLS to remove all reporting of this debt from my credit report until such time it is proven that I do in fact owe the debt. I have no problem paying my debts - I have a problem with false reporting. I am hoping that you can do something to get SLS to stop reporting an unproven debt to the various consumer reporting agencies. I continue to receive monthly statements from SLS that shows a past due balance ; SLS continues to apply my P & I payments to an escrow account then applies the remaining balance to my P & I. Communication I received from my attorney on XX/XX/XXXX indicating, per SLS : " They said that as of today ( XX/XX/XXXX ) that there is a balance due to them in the sum of {$830.00}. They say that {$83.00} of that amount is for late fees. The remaining funds reflect payments due in XX/XX/XXXX and XX/XX/XXXX. They acknowledge that they have received the sum of {$170.00} that has not been applied yet. I instructed them that they need to apply that all to the principal and apply that as of the date that they received it. '' Lastly, SLS is now sending communications of the debt to my husband 's place of employment, rather than to our home address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 473XX
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS is attempting foreclose on my home a fraudulent robo signed assignment. The assignment was created after the cut off date of the pooling and services agreement filed with the U.S. Securities Exchange.I also revoke the power of attorney that XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX has. I have sent 2 QWRS and a debt validation letters. I submitted a complaint on XX/XX/XXXX, and they still have my home in foreclosure
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2018-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage payment goes through a company called SLS ( Specialized Loan Servicing ) and they have been making payments to my insurance company on my behalf after repeated requests to not do that. I have also been paying for my own insurance during this time so I am being billed twice. As a result I have had the payments that SLS made for me go into my escrow and it has increased my monthly payment tremendously to the point where I can't afford my payment. The real problem is that I have been on the phone with their customer support representatives and supervisors for countless hours trying to resolve it and I have been getting nothing but a run around. They don't ever return my calls from requests to speak to supervisors, they don't ever receive the letters that they ask me to send to be removed from escrow that I have sent in several times. And they never document anything we speak about for hours on end. I am getting nowhere with this company and I have no clue what to do next. If I make this payment I will not have enough money to live, and if I don't it will be reported that my payment is late and it will ruin my credit which I need very much. Can someone please assist me in having SLS cooperate with me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX my mortgage servicer was XXXX XXXX XXXX. I was going through a financial hardship and applied for modification/ forbearance. XXXX XXXX XXXX approved a trial mortgage payment for three months in the amount of {$890.00} from a $ 1721 monthly mortgage. After the trial XXXX XXXX XXXX stated that there was no record of this trial and then sold my account to Specialize Loan Servicing. I had to start all over again with filling out another application for a modification. At this time I was getting XXXX treatments and explained on the hardship letter what I was dealing with at that time in XXXX. I received some assistance from XXXX XXXX XXXX, they sent Specialized Loan Servicing a couple of checks. In XX/XX/XXXX Specialized Loan Servicing approved my modification from the {$1700.00} payment to higher payment of {$2000.00}. The first trial payment started on XX/XX/XXXX until XX/XX/XXXX. The permanent modification was to begin XX/XX/XXXX. I signed the contract and sent my payment of {$2000.00}. I received a phone call stating that they could not accept the payment that my new amount would be over {$2700.00}. Specialized Loan Servicing took the money that XXXX XXXX XXXX sent and used the money for their fees and not to the principal as I requested and told me that my XX/XX/XXXX payment will be put in a suspense account which is still there. I asked for the reason why my payment is now over {$1000.00} more than the original payment. They stated over the phone that there is an escrow shortage. As of today I have not made a payment and have applied for another Modification using XXXX Lawyer paying them {$3400.00} and XXXX lawyer took my money, phones were disconnected and emails were unable to send ( return to sender ). I kept trying on my own with the help of other free agencies to get a fair modification and I kept being denied. Specialized Loan Servicing would tell me that they received all documents and my application went to underwriting. They would send me letters that all of my documents werent received and or the investor is not going to change the terms of the loan. My income changed and I added my son and husband. In XX/XX/XXXX an employee of Specialized Loan Servicing advised me that they will not give a modification so I should stop applying because I cant afford the house. She was very rude and disrespectful to me and stating to me that the HARP program is over and we will not honor you application for that program. My application was in before the program ended. I paid {$29000.00} for my property when XXXX XXXX XXXX sold my mortgage to Specialized loan Servicing I owed {$260000.00} in XXXX. I now owe {$390000.00} because of all the fees and late charges incurred. My home is currently up for foreclosure. All I want is a fair Modification to pay my mortgage and for me and my family to stay in our home.
Company Response:
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX sold my mortgage to Specialized Loan Services and notified me by mail, received on XX/XX/XXXX. My first payment to SLS is due XX/XX/XXXX. I have still not received any correspondence from SLS. I called SLS in XX/XX/XXXX and SLS rep gave me my new loan number and they were unable to provide any other info stating that the loan is in a boarding process. I tried calling them twice in the past week and today and unable to speak to anyone. Today, I was able to access my account online with SLS. I see that my escrow shows a balance but states non tax escrow account. They only show my homeowners policy info. I had escrow impound with XXXX XXXX for property tax and HO insurance. It appears that SLS received rollover of my escrow balance approximately $ 3,4xx. This amount should cover for my property tax as well. My next prop tax is due soon. Please help. There are many other customers going through this issue. We should not be treated like this and there seems to be no corporate responsibility on the part of SLS. You can reach me at XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2018-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to get a payoff letter to pay off a mortgage loan ( sale closing scheduled XX/XX/XXXX ) from this company ( XXXX XXXX XXXX ) which has taken on the servicing of my mortgage from XXXX XXXX XXXX. Here is my correspondence to the CEO of the company including relevant dates and communication : Hello. On XX/XX/XXXX, I and my attorney 's office spoke with several employees at SLS asking for a payoff. At the close of the day, we spoke jointly with XXXX XXXX, who said he would get back to us via email on XX/XX/XXXX with information on the payoff. He never got back to us. On XX/XX/XXXX, I spoke with XXXX ( badge XXXX ) in Executive Services division ( see below ). She stated that my loan was scheduled to be onboarded today, XX/XX/XXXX and payoff letter would be able to be generated at that time. She also said, in declining to put in writing what she told me, that she would be reporting back to her supervisor and that the supervisor would be contacting me in response to my request for written correspondence. It is now XX/XX/XXXX. I have not been contacted by XXXX 's supervisor, XXXX XXXX or anyone else at SLS. I just phoned to see if a payoff was available and spoke with a rep who told me that ( a ) it is not available and ( b ) your company has 15 business days to onboard the loan. Yet again, I have received contradictory information from one of your employees. I am trying to pay you money. I am trying to get a payoff amount so that I can pay you approximately {$150000.00} and sell my house. Why is this so difficult? I notified your company of this on XX/XX/XXXX, in advance of the scheduled closing and in advance of your taking on of the servicing. I can not believe that there is no-one in your agency that can make this happen today, as promised. -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Sent : Wed, XX/XX/XXXX XXXX XXXX Subject : Re : Urgent : payoff letter needed immediately I received a phone call from XXXX ( she would not give her last name ), badge number XXXX, stating that the loan is scheduled to be onboarded into the SLS system on XX/XX/XXXX and that if it does get onboarded in that time frame, then a payoff letter can then be generated on XX/XX/XXXX. I asked her to put in writing what she told me verbally and she said she was not able to put anything in writing. She then stated that she would convey our conversation to her supervisor and advise him that I requested a written copy of the information she provided me. She stated that her supervisor would phone me to follow up. I advised XXXX that the buyer 's attorney is considering putting the proceeds of the sale in an escrow account until written payoff is available, and that if that happens on XX/XX/XXXX, that's fine, but that one of the people we spoke with today said it would be 30-60 days, which is not acceptable. Sincerely, XXXX XXXX -- -- -Original Message -- -- - From : XXXX XXXX To : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Sent : Wed, XX/XX/XXXX XXXX am Subject : Urgent : payoff letter needed immediately I and my attorney have been attempting to get a payoff notification for my mortgage from your company since XX/XX/XXXX. Effective XX/XX/XXXX, your company took over the servicing of my mortgage with XXXX XXXX XXXX. I had a home sale scheduled for XX/XX/XXXX and the closing was brought forward to today, XX/XX/XXXX. I and my attorney 's office have spent hours on the phone with your customer support people attempting to get a payoff. We have been told contradictory and untrue things by the people we have spoken with, including managers and supervisors. When I asked one of the supervisors to put into writing what he was telling me over the phone, he said he would not do that. The first person I spoke with yesterday said I would have a payoff letter by noon yesterday, one of the people my attorney spoke with today said it would take 30 to 60 days. This is completely unacceptable. I need someone from your executive branch to produce a written payoff letter to my attorney today in order to close this sale and payoff the mortgage. Please review the call logs and hopefully you actually record the calls and can listen to what your customers are getting from your staff. My name is XXXX XXXX, the property address is XXXX XXXX XXXX, XXXX, MA XXXX. The loan number may or may not be XXXX, depending on who at SLS is answering the phone. My number at work : XXXX. Attorney XXXX XXXX 's office : ( XXXX ) XXXX Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I came out of chapter XXXX XX/XX/XXXX. I received a statement from my mortgage company for a delinquent amount. I called the mortgage company and asked how. I did not receive an answer to this question to about the 10th call. When a rep told me that my mortgage was adjusted XX/XX/XXXX. I stated to the rep that I did not receive anything stating that. I was told that they could not send me anything because I was in a bankruptcy. I called the attorney from the BK and he stated they did not receive anything from the mortgage company. I made several calls to this company and the only thing I would get from them was are keeping the property. They would not address the problem of how could I know about the increase if I was not notified. XXXX of this year I called back to customer service and spoke to XXXX ( XXXX ), who took the time to check the records. She searched back to 3 months before the adjustment and notices that no notification was sent out. She transferred me to the dispute dept and I spoke to XXXX ( XXXX ) stated no notification was sent out. She put in the dispute and I would receive a reply by XX/XX/XXXX. I called XX/XX/XXXX, and talk to XXXX ( XXXX ) and he would not answer the question of the dispute. I call back and talked to XXXX ( XXXX ) she did not answer the dispute question but told me the company did not have to send out monthly statements. Sending out statement was a courtesy. Also, it was my BK attorney responsibility to check to see if there was an increase in the mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a follow up to complaint # XXXX that I filed. The company has still not sent me a check for the surplus escrow balance even though I did receive a new escrow analysis. This was in the original complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a Conventional Mortgage that has passed the 78 % threshold and meets all the guidelines stated in the Homeowners Protection act that should automatically trigger the removal of the PMI payment on my account. I have inquired with my Loan servicer to confirm that this will be taken off my account, they have replied that my PMI will remain even after meeting these requirements. The company is Specialized Loan Servicing ( SLS ) SLS.net They are refusing to get the PMI taken off of my account and will continue payments out of my escrow account. I have messaged and called on this matter and they are saying that they are unable to remove the PMI. The initial request was on XX/XX/ and the follow up call occurred on XX/XX/.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A