Date Received: 2017-12-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. Illegal foreclosure practices fraud upon the court banking entity pursuing me since 2007. False affidavits, robosigning, banking entity not operating in good faith.
Company Response:
State: NY
Zip: 12553
Submitted Via: Web
Date Sent: 2017-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS Account # XXXX My loan was recently transferred to SLS from XXXX as of XX/XX/XXXX When I received the notice ( received the date the note payment was due ) SLS said there was a payment past due, and the loan was one month in arrears. ( no sure notice came form XXXX previous to this ) I called and asked them what month, and at 1st she said XX/XX/XXXX .. I provided her with the Canceled check number for the XX/XX/XXXX payment, and her response was " well, I do n't know then, our records only go back to XX/XX/XXXX ; it must have been before that then '' I recently came out of a 5 year Chap XXXX BK which was satisfied and discharged in XX/XX/XXXX ; this would mean all payments were satisfied and the accounts current. I missed no payments during the 5 years nor since the discharge. SLS could care less and worse are unwilling to even review the case ... My payment is approx. {$3300.00} and I mailed my XX/XX/XXXX check for {$4000.00} requesting the additional to principle.. they cashed the check and their new XX/XX/XXXX statement said I am 2 months behind YIKES this is SCARY ... What are they doing with my money??. It is impossible to reach anyone there for a intelligent discussion. I requested 5 years of payment history from the previous servicer, XXXX and have this to send to SLS ... But, no idea where to send it ; How is it legal that there is no accounting and they can just say " you are behind but we have not idea when '' even though the courts and XXXX ageed the account was in full compliance? can someone call me please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2017-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I, XXXX XXXX XXXX XXXX, requested that Specialized Loan Servicing LLC provide proof of this debt by showing my proof of the note in a letter dated XX/XX/2017. SLS LLC stated in their document to me that they were only the service provider of this note in letter dated XX/XX/2017 signed by XXXX IDXXXX. I told them that this violated my original contract. TXXXX XXXX XXXX XXXX XXXX f/k/a XXXX XXXX XXXX XXXX XXXX as successor Indenture trustee to XXXX XXXX XXXX, XXXX XXXX for XXXX XXXX XXXX XXXX XXXX, Series XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX is listed on their letter as the current creditor. SLS has admitted that they are not the owner! I DEMAND SLS LLC show my original note that I signed within 5 business days of receipt of FULLY REFUND all of my payments, interest and fees to the account on file with XXXX XXXX ending in XXXX. Afterwards, release my lien and all closing documents to the address listed on file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2017-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing, LLC has not had an operational website since my loan was transferred to them in XXXX 2017. As they refer you to their website to obtain information about your account it would seem logical the site would work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My second mortgage was transferred without my input to a new servicer. My first statement from the new servicer indicated that I had a past due payment as well as a due payment. I contact the new servicer and told them that this was incorrect, that the last payment to the old servicer had been made. I provided the new servicer with the statement from the last servicers, and a record of payments from my bank showing the payments. I have contacted the new servicer by telephone. I have spoken to the old servicer by telephone and they advised me that the information they handed off to the new servicer included all information including the last payment to the old servicer that the new servicer is ignoring. The new servicer refuses to acknowledge the information. They continue to show the 2nd as past due with late fees etc. The new servicer maintains that it is my problem to work out with the old servicer. I maintain that it was not my choice to change servicers and that it is for the old and new servicers to work out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93722
Submitted Via: Web
Date Sent: 2017-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Our mortgage loan was flagged as a bankruptcy account and monthly statements/payment vouchers stopped. In Spring of XX/XX/XXXX I placed what I thought to be just an FYI phone call to Specialized Loan Servicing and was informed that we stopped receiving the statements because Bankruptcy accounts do not receive vouchers. I informed the company that myself nor my husband had filed bankruptcy and assured them I had no idea what they were talking about. I was then informed Specialized loan servicing received documentation in XX/XX/XXXX that my husband filed bankruptcy and they would need to phone and speak with him .When Specialized loan Servicing phoned him, the woman on the other end explained " the error '' to my husband and stated that a man with the same first name and same last 4 digits of his social security number filed bankruptcy in XX/XX/XXXX and by this excellent method of investigation and documentation, our account was flagged. When he asked how this could happen her response to him was " well it 's almost the same '' meaning the name and the last 4 social security numbers -- HARDLY! We were never notified of this change and had I not phoned the company in XX/XX/XXXX have never known of this outrageous error. The woman informed my husband that after further investigation he would be phoned back, this never happened and for the next year and a half following I would make multiple follow up phone calls to get this entire error cleared up. In the beginning of the year ( XX/XX/XXXX ) statements resumed however upon review I noticed there were late charges on the account. I phoned the company and inquired, I was informed during the process of not receiving statements there was a change to the monthly amount due. All this time I had been copying the last statement ever received and sending it along with my check every month for reference and during my many phone calls not one person ever informed me I was actually sending a shortage every month and how this was affecting our account. Again after this phone call and going through the entire saga again I assumed things would be corrected and shortly after ( spring ) Specialized loan servicing sent us a letter explaining the error had been corrected. In XX/XX/XXXX we began the process of a new home purchase/loan and it was then that XXXX XXXX XXXX informed us our credit report reflected 4 months of late payments and requested an explanation. In XX/XX/XXXX I again phoned Specialized loan Servicing and spoke to another person before being transferred to the escalations department and spoke with a very rude and un-sympathetic individual named XXXX. I explained my situation again and she stated I would get a follow up phone call in a few days. I assumed again things would be resolved however in XX/XX/XXXX when XXXX XXXX XXXX again ran our credit report nothing had been corrected. I again placed a phone call to Specialized loan servicing and spoke with XXXX in the escalations department again as she rudely explained as far as Specialized loan servicing was concerned they had corrected things on their end in regards to our account and if I was in disagreement I had to fax a letter to the Disputes Department. On XX/XX/XXXX, I faxed this letter along with my documentation and concerns as well as the emails from XXXX XXXX XXXX. And my urgent request to have this corrected ASAP because not only is this affecting the new home loan but we are in jeopardy of losing this house. This afternoon, XX/XX/XXXX, I followed up because I have not received a response. I phoned and spoke with XXXX who informed me a letter was mailed out on XX/XX/XXXX but she could not tell me exactly what was in the letter. She asked if I wanted to speak with someone in the Escalations Department and spoke with XXXX who explained I was mailed a letter of acknowledgement and a further investigation will be done into our account and someone will be in touch with us. I explained to her how I feel no one appears to be taking my concerns seriously and how our credit report needs to be corrected ASAP and oddly after maybe a 10 minute conversation our telephone conversation was cut off? We feel this company made a huge error which is greatly affecting our livelihood. They lack the ability to see how serious the error really is and our requests for quick action unheard.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95127
Submitted Via: Web
Date Sent: 2017-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home flooded during Hurricane Harvey. I was told by the insurance company that it would take two months for them to make a payment on the claim. Since I knew the money was coming for the repairs, I went ahead an authorized the repairs and paid for them out of pocket to the extent of {$57000.00}. When I received the check from the insurance company, SLS was listed on the check. When I contacted them I was told that I had to send the check to them and that they would endorse it and send it back. After spending {$75.00} to overnight the check to SLS, they then waited three days to open it and then deposited it into their account. I have been calling daily for almost a month now asking to speak to a manager but every time I call I am told a manager is not available but they will have one return my call. On Wednesday XX/XX/XXXX I spoke to a XXXX XXXX who told me that he would have XXXX XXXX return my call within 24 hours. After not hearing from XXXX after 48 hours, I have attempted to call numerous times and left numerous messages but she will not return my call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2017-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In the first week of XX/XX/XXXX we received a notice from Specialized Loan Servicing ( SLS ) that our payment would increase substantially. We had recently collected our file back from legal counsel ( bankruptcy ) and mentioned the letter. He referenced the loan modifications on file ( one from XX/XX/XXXX and one from XX/XX/XXXX ). Both modifications were made through XXXX XXXX - the original loan servicer. On XX/XX/XXXX a copy of the executed Fixed Rate Loan Modification Agreement with Deferred Principal was submitted to SLS. On XX/XX/XXXX I spoke to Customer Service person XXXX @ SLS. I was informed that we were owed a substantial amount of funds and that there was an " open ticket '' at that time. In follow up an email was submitted through SLS ' website dated XX/XX/XXXX. This memo noted that SLS was not posting payments correctly to their website and requested that they correct the errors as we have made on time payments since since bringing the loan current in XX/XX/XXXX. SLS responded on XX/XX/XXXX stating they ca n't adjust the account until the " review of the modification documents you submitted is completed. A turnaround time is not available ''. On XX/XX/XXXX another emails was submitted to SLS via their website requesting the status of the open ticket. On XX/XX/XXXX SLS responded with " The information pertaining to the modification from the prior servicer is being worked on but there is no ruther update available at this time ''. On XX/XX/XXXX I talked to XXXX at SLS Customer Service. She informed me that the previous loan modification has to be sent to the Dispute Department. On XX/XX/XXXX a Memo was faxed to the Dispute Department with copies of the above referenced correspondence. On XX/XX/XXXX an email was received from SLS stating " We apologize for any inconvenience ; however no updates are available at this time regarding the modification from the prior servicer ''. SLS is the fourth loan servicer that our account has been assigned to. My wife and I have been making on time voluntary payments beginning XX/XX/XXXX. We have been paying {$2400.00} per month as that was the payment reflected in the loan servicer 's website. When we received the payment change notice from SLS in XX/XX/XXXX it was a surprise. When I reviewed the terms of the XX/XX/XXXXloan modification it said the payment was to be {$2100.00}. I immediately pointed this out to SLS as we have over paid the amount by over {$18000.00}. SLS has had the document for review since XX/XX/XXXX. They keep saying it is under review and there is no time horizon for completion of their review. I called on XX/XX/XXXX and was referred to XXXX at Executive Services. She promised to review case and get back to me by XX/XX/XXXX. To date, she has not contacted me. Over this last weekend we received a letter from SLS stating our loan was delinquent. This causes us great concern as it would appear that SLS is not dealing with us in good faith. SLS was notified that a complaint would be made to the CFPB on this day. Thank you XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2017-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan has reached below XXXX XXXX of the original loan value and I 've been trying too get the pmi removed for months. My first letter was sent months ago and they advised I would need a valuation on the home. I called asking if the pmi would go off my loan automatically and at what point or if I would always need a valuation. They person I spoke with in customer service advised that once the loan was below XXXX XXXX of the original value that it would come off. They sent me a list of ever payment and what that would bring my future balance to. Based off of the information they provided I chose to wait three months for my balance to go below XXXX XXXX of the original value. I called in again and was told that I could get the pmi off, but to send a letter. This letter was sent in early XXXX informing sls that my loan was now below XXXX XXXX. I just received a response to that letter asking to authorize a valuation. Since this contradicted what sls had avised previously I called on XXXX XXXX to discuss. I was advised during that call that all they needed from me was my signature on the letter. I even clarified during that call that they did n't need the valuation form signed. She told me if I faxed it in that day I could call in on XXXX to get an update on the status. I called back in on XXXX XXXX XXXX and was told by supervisor XXXX that they would notify me in XXXX days and that they were probably just going to send me the valuation form again. I 've been sent in circles and sls is now costing me hundreds of dollars because of there misinformation. I would like confirmation on if my request will be honored or if the will be requiring a valuatuon. If a valuation is required I will need this to be at the expense of sls as their company has been providing me miss information causing me to incure hundreds of dollars in pmi that is n't required on my property any longer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84081
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are awaiting response to claim # XXXX this information is readily available in your files why the delay? Please provide the person, persons, and/or department for a direct contact and agent/representative for XXXX XXXX XXXX XXXX XXXX the alleged creditor of the subject " note '' being " the Equity Line Agreement and Disclosure Statement ".
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2017-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A