Date Received: 2023-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A complaint was submitted against Specialized Loan Servicing on XX/XX/XXXX, file by my company, with my client XXXX XXXX, information. Information was then received in XXXX stating as response ha been made. The response was from the year XXXX, and nothing never address the issue that was made in the complaint on XX/XX/XXXX. Can the company ( SLS ) please respond to the issues address in the complaint on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: THEY ARE ATTEMPTING TO FORECLOSE ON MY HOME WITH FRAUDULENT ASSIGNMENTS. THE ASSIGNMENTS WERE CREATED AFTER THE CUTOFF DATE OF THE POOLING AND SERVICE AGREEMENT FILED WITH UNITED STATES SECURITIES EXCHANGE., THE ASSIGNMENTS ARE ROBO STAMPED AND THE NOTARY AND WITNESSES ARE WELL KNOW ROBO SIGNER, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2006 XXXX THESE TRUST HAVE BEEN SUED ALLOVER THE UNITED STATES FOR FORECLOSURE FRAUD. THIS TRUST WAS ALSO APART OF THE GLOBAL WIDE SETTLEMENT WITH THE UNTIED STATES DEPARTMENT OF JUSTICES & THE AGS. THE ARE ALSO GUILTY OF DUAL TRACKING. THE MORTGAGE COMPANY WAS COLLECTING DOCUMENTS FOR A LOAN MODIFICATION AND WHILE COLLECTING MY HOME WAS SENT TO THEIR LAWYER FOR FORECLOSURE, I HAVE SENT 2 QWRS AND NEITHER HAS BEEN RESPONDED TO, I ALSO SENT A NOTICE OF DEFAULT AND A NOTICE OR ERROR, NEITHER HAS BEEN ADDRESSED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are vulnerable XXXX adults being mortgage defrauded by Specialized Loan Servicing XXXX LLC ( SLS ). Complaint Details 1. Received summons on XX/XX/XXXX, after refusing to sign the predatory loan. This is after going back and forth since XX/XX/XXXXXXXX when we were notified mortgage company, XXXX, XXXX was initiating processes to file bankruptcy. An extension to answer was granted through XX/XX/XXXX. XXXX. Predatory loan was a packet to sign for a new loan account for a predatory higher amount. This was from a XXXX XXXX who discussed a different conversation over the phone to initiate where XXXX XXXX XXXX XXXX off. Payments automatically withdrawn from XXXX, XXXX were current. After questioning the predatory loan and through many Qualified Written Requests ( QWR ), we received a document from Specialized Loan Servicing, LLC ( SLS ) that stated 'they deemed it necessary for a new POC or contact. It never happened. 3. After numerous discussions with SLS regarding service misconduct, misrepresentation, and fraud ( as SLS reported negatively to credit bureaus, and stated they were original loan servicers of which they are not ), through their attorney representation, we were served a summons/complaint which irrelevantly regarded information pulled from the internet of a XXXX loan that was paid in full. 4. Have requested through Qualified Written Requests ( QWR ) phone transcripts and documents to which SLS state 'they are not required ' to provide. 5. One requested document is how are we to access an account SLS says they have with us when they locked us out or coerce us tolinkto when we have not signed anything? Unless 'we sign paperwork ', agree to pay 'up front ', or 'link to ' we are locked out from accessing the account. Every SLS representative we have talked to, before asking for the harassing calls to stop, can not access the mortgage account either. Why is this and when were all locked from it? 6. SLS has an F rating with XXXX due SLS 's own service misconduct, misrepresentation, predatory behaviors, and fraudulent reportings. 7. SLS took over after the mortgage company, XXXX, XXXX went bankrupt to which we had on-time payments. Due to actions done by Specialized Loan Servicing , LLC, such as reporting negative falsities to credit bureaus thus damaging our credit and causing undue duress, SLS has us in a damaging default-looking status. This has made it impossible for us to move forward. SLS is being hostile and putting forth fear of retaliation with foreclosure. 8. So it is known, SLS has pieced together their 'Evidence Packet ' with information from different items they could get off the internet. This is fraud. We are vulnerable elderly adults being taken advantage of and defraudedby SLS. 9. Relationship is beyond repair. We can provide additional information/documentation if requested. SLS has caused our family and home severe hardships. We ask for relief from SLS. We ask SLS to stop all foreclosure efforts. We ask to be made whole, including any costs, and to be free of fear/retaliation from SLS in losing our home. Please. Hear our plea. We are vulnerable elderly adults being defrauded by Specialized Loan Servicing , LLC ( SLS ). Please Help Us! Please! We beg you to help! We have documents to submit, but on this website it says not to as you will ask for them later. Because this was stated, we will submit those documents when requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58201
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Well I received a line of credit in 2007. From that time until 3 years ago. I did not receive any mortgage statements. I don't want to loose my home. I believed that when I modified my mortgage through one of the various save our home program by the Obama Administration, this line of credit was added to the modified loan and/or discharged. I modified the mortgage of my first loan and received favorable terms. My interest rate is now XXXX %. Upon being notified that I was in default, I attempted to notify the mortgage. The modification was approved provided I was able to pay over {$31000.00} to commence the modification process. The original loan amount was approximately {$67.00}. Now the balance is more than double. I am a father of 4 children. I can not afford to pay {$31000.00} in one lump sum. Provided this lender is the proper party to file this foreclosure suit. I would like a more affordable repayment plan. I do not believe I owe this lender but, again, if they are the proper party and they have not already discharged this debt and/or collected insurance proceeds for the defaulted loan from their various lender policies. I am happy to enter into a loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've been set up auto pay bi weekly since XXXX On XX/XX/XXXX I had low fund in bank account bc i was married and in process of create a new joint account. Specialized Loan Services SLSXXXX called and let me know about the insufficient fund. - XX/XX/XXXX : SLS took my payment over the phone, they told me to pay XXXX and XX/XX/XXXX. Amount XXXX Then call back next day, they would re establish bi weekly mortgage. they will waive {$25.00} insufficent fee as courtesy. XXXX XXXX would call back to continue set up bi weekly - XX/XX/XXXX, XXXX : XXXX never called back. when i called XXXX said i needed to pay another month on XXXX. Although tired of them but i paid another {$900.00} for XXXX XXXX told me call back next day to set up bi weekly They made it clear that they only need 1 month ahead but So fAR I paid 3 times mortgages but still being told " call back next day to set up bi weekly ". XXXX I called again, talked to 2 agents, they told me i have to pay another month and call back next day to set up bi weekly. I asked for supervisor and was told he/ she not avail until next week!!! This company is horrible lack of training and poor knowledge, too much " aaaa, .... o .... u ... " broken up words bc they did not know hiw to except telling me pay again and call back next day again and again. - Another issue : they read disclosure too long and too confused, too long before answering. Poor audio bad disconnection all the times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90603
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, Specialized Loan Servicing acquired ownership of my property. Due to job loss in the oil and gas industry, I faced challenges in making timely payments. Despite the COVID-19 pandemic, I feel that they did not cooperate with me to find a solution to keep my home. To prevent homelessness for my family, I had to file for bankruptcy multiple times. During this period, I was actively involved with the HAF ( Texas Homeowners Assistance Fund ) while Specialized Loan Servicing scheduled a sale date for my property at XXXX XXXX XXXX XXXX XXXX, TX XXXX. As part of XXXX XXXX bankruptcy, I contacted the attorneys at XXXX XXXX XXXX XXXX in XXXX XXXX to inform them about my participation in the HAF program. Additionally, on the day my home was supposedly sold, XX/XX/XXXX, I called the attorneys to notify them of my bankruptcy case number and requested a halt to the process. Unfortunately, I was unaware of the sale until two and a half months later when my case worker from the Texas Homeowners Assistance Fund brought it to my attention. During the auction, thXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX apparently acquired my home. Simultaneously, XXXX filed a writ of possession against me, which I challenged, leading to my case being in Civil Court at Law no. 1. Currently, I do not have legal representation, and without assistance, my family and I face the risk of homelessness. It is essential to note that my youngest child, who has XXXX, experiences difficulties adapting to new environments apart from our home. I firmly believe I have evidence to support a wrongful foreclosure case. By reaching out to the Consumer Financial Protection Bureau through this email, I hope to receive fair and just assistance. You can contact me at XXXX or call me at XXXX. Thank you for your anticipated help. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I returned a recast package that included my XXXX payment and the {$500.00} recast fee to SLS via a prepaid 2 day XXXX package on XX/XX/XXXX. I tracked the package on XX/XX/XXXX and it was still tracking to XXXX, NC. I called SLS and notified them that the package must be misplaced in NC and that I was going to make my payment with the recast fee online through my bill pay and that I was going to stop payment on the 2 checks in the lost package. I made the payment on XX/XX/XXXX which they received on XX/XX/XXXX. They emailed me another recast agreement which I also sent to them on XX/XX/XXXX. On XX/XX/XXXX they received the lost package and tried to deposit the checks that I had told them that I stopped payment on. I made my XXXX payment on XX/XX/XXXX which they received on XX/XX/XXXX. On XX/XX/XXXX they reversed that payment along with my XX/XX/XXXX payment. They called me on XX/XX/XXXX wanting to know when I was going to pay my XXXX payment. I explained what happened and that I had a statement at home stating that they received my XXXX payment and that my next payment was due XX/XX/XXXX which I had already paid on XX/XX/XXXX. When the stop pay checks were returned to them they reversed both of my electronic payments as well. They have corrected my XXXX payment but posted that on XX/XX/XXXX instead of XX/XX/XXXX when they actually received it. I have a statement that I have attached showing next payment due XX/XX/23 amount due {$0.00} but when I called them today they are telling me that I have to make a payment to prevent a late fee. They can see that there are unapplied funds but they are waiting for the escalation department to apply the funds. So I called back and tried to do a payment over the phone but the system is telling me that there is no payment due. Can someone please help me??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29576
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter on XX/XX/XXXX stating my check was being rejected because We are unable to accept credit cards. The check itself has a stamp that said received XX/XX/XXXX. I called SLS mortgage company XX/XX/XXXX to inquire since the check I sent was through a debit card through Bill Pay. They told me they couldnt do anything and wouldnt research it further. Additionally, the representative wouldnt transfer me to a supervisor and just dropped my call. The money has already been taken out of my account and Im worried now I will incur collections and be reported for a late payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76021
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To expand on the previous complaint XXXX filed in XX/XX/XXXX. I now know that SLS had been a zombie collector who had disappeared for many years to come for my home when the housing market began to recover. SLS started foreclosure proceedings, forced an agreement in order for me and my family to stay in our home during the most vulnerable time of the corona. With an almost 13 % interest rate at double the initial cost of the 2nd from XXXX when I purchased my home. The stress has been debilitating. SLS lied about offers as they did not reach out to make said offers. i understand that you are investigating zombie loans and I have definitely been a victim. It's unfortunate that all they needed to do was respond in a timely manner with lies and CFPB accepted. I hope that you will thoroughly investigate as it was a time barred collection which now has us completely stuck. Yes, this seems to be a XXXX situation as well. By their own submitted records they had no interaction for close to 9 years. see 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: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: A fraudulent assignment of mortgage was used to claim ownership and obtain a foreclosure sale on XX/XX/XXXX. The enclosed assignment of the mortgage recorded and filed on XX/XX/XXXX, in the county clerks office of the XXXX/county of XXXX is fraudulent. The assignment of a mortgage uses MERS, who can not legally assign to XXXX XXXX XXXX, a company that did not exist on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX publicly went out of business in the year of XXXX The Trust to which the mortgage was allegedly transferred had closed in XXXX, and could not have accepted the assignment in XXXX 7 years After the Trust had closed. Transferring non-performing loans into a Trust or making an out-of-time assignment is void under the New York Trust law XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10304
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A