Date Received: 2017-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to have a PMI payment cancelled with XXXX, after my mortgage was resold to them at the beginning of the year. Currently, PMI is still being taken out of escrow despite my mortgage now at 76 % XXXX. When at 80 %, they required a {$500.00} appraisal on the property when we had refinanced 6 months earlier. This itself is ridiculous as a quick mls search in area within the last XXXX mos is sufficient to see the value of home had not declined. A full reappraisal in such a short time period is absurd, and an abuse of fair reading of the law. As the appraisal cost was more than continuing PMI payments until reaching 78 %, I waited. We received a letter in XXXX saying PMI would be cancelled automatically, as required by law, at 78 %. When I realized PMI was still being charged after hitting 78 % i called XXXX, only to have a representative try and tell me I had to hit 78 % of the balance of the loan when refinanced, not the value of the loan, a ridiculous lie. XXXX minutes of phone arguing eventually had them tell me I must submit a written request to remove PMI XXXX despite this in explicit violation of the law ). I did. XXXX months later, I am still trying to get the PMI payments halted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60656
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 7. REFUSING to apply my payment to the mortgage is not advice. 8. Telling me it can only be applied to the principal is not advice. 9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. I ca n't do that. 11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 198XX
Submitted Via: Web
Date Sent: 2017-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Specialized Loan Servicing / XXXX XXXX XXXX XXXX XXXX, Please verify that there are no other existing versions of the alleged note other than the two you have supplied to us. We desire that there be no more surprises of differing notes.suddenly appearing. If you are holding other copies that are different in any way, shape or form from these two copies claimed to be the copies of original note please send these to us now..We hope for your cooperation in this matter.
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: 2017-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS - The mortgage still shows in the deceased name. A modification was applied for and denied, the XXXX is the eldest daughter. SLS can not prove the notice of intent was served to the XXXX because the letters and mortgage are still in the deceased name. No assistance from SLS when modification was denied - XXXX XXXX medical issues. Due to the irregularity in the notice of foreclosure, the foreclosure should be postponed and mortgage statement is placed in the XXXX of XXXX and XXXX is allowed to make the decision to short sale the property. The wife and XXXX daughter occupy the home - the youngest is UNDER XXXX. Also, this is a HURRICANE DISASTER ZONE. A furlough on all foreclosures in this area was required by the CFPB for 90 days. Since there are numerous irregularities on the title, the foreclosure is invalid. Especially because the home is in a XXXX Disaster XXXX. The previous CFPB complaint was rejected by SLS stating no authorization. Since a modification was file and I will attach evidence, that is not true. I did email and fax in authorization for me as the attorney on record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The second mortgage was discharged in a chapter XXXX bankruptcy in XXXX and the debt was not reaffirmed. In XX/XX/XXXX, I reached out to the lienholder and offered a settlement of the debt. On XX/XX/XXXX, we submitted a complete review packet to the lender. On XX/XX/XXXX, the lender flatly refused the settlement offer. On XX/XX/XXXX, a new settlement offer was submitted to the lender. On XX/XX/XXXX, " XXXX, '' our Single Point of Contact, said that they would likely counter to {$15000.00}. I requested they put that in writing, and they never did. On XX/XX/XXXX, they flatly denied the settlement offer again, and directed us to call XXXX XXXX with any questions. We submitted a third offer and they flatly denied it again in XX/XX/XXXX. A fourth offer and fifth offer were not reviewed - the lender confirmed receipt of documents, then days later sent denial letters based on a lack of the very same documents of which they had previously confirmed receipt. We submitted a sixth offer and review packet, and after weeks of review, we received a letter congratulating us on being selected for a loan modification - which would require us to reaffirm the debt which was discharged in bankruptcy. The letter even states that the request for settlement was not even considered because of the approval for a loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2017-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I used to pay {$2000.00} on a {$500.00} payment. They kept putting additional monies to a suspense account until I got the next bill. Then I had to call and complain. All extra overpayment should be applied to principle. Trying to pay off account Sent a check they would n't take it and it 's the same bank they deal with. So much more. Call for more information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2017-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX third court date for XXXX XXXX XXXX XXXX for Motion for relief from automatic stay. They sold our property on XX/XX/XXXX for {$240000.00} back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as trustee for the certificateholders of the XXXX XXXX initial publication of the Notice of Sale was : $ XXXX.Mortgage Servicer Specialized Loan Servicing failed to evaluate or consider our loss mitigation application giving us the runaround about paper work sent or not sent and foreclosed on our loan knowing we were in default. Than a notice of sale was posted on our door .Statement fees and balances change drastically due to dual tracking and being put in foreclosure prior. On XXXX website ( XXXX ) house states sold on XX/XX/XXXX for {$240000.00} asking price XXXX They state its a 3 bedroom 2 baths with 2 units.Its in fact 1 bedroom NO garage NO 2 units. XXXX states same and XXXX {$300000.00}. Why would they keep asking for the courts blessing of the sale it was supposely SOLD legally?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2017-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I previously filed a complaint with CFPB regarding Specialized Loan Servicing about my mortgage. As previously stated, Specialized Loan Servicing has been holding insurance funds that they were not entitled to since XXXX XXXX. I paid for all the repairs to my home. Specialized Loan Servicing was to endorse the check and return to me. Rather they deposited the money, applied it to my mortgage for 6 months of payments, then reversed the transactions after a couple of months, leaving me in default, held the monies in " escrow '' - filed a foreclosure suit against me, had me refinance with them - and said they would only return me my insurance proceeds after I made payments for 6 months. During that period of time, I was accidentally copied on an email between Specialized Loan Servicing and their counsel, where they said that they would provide me with a modification package but were going to deny it upon my submission and proceed to foreclosure. ( a copy of this email was previously provided to CFPB ). Once Specialized Loan Servicing and their attorney learned that I had a copy of that email, they immediately allowed a modification but not without tacking on fees to the mortgage amount and refusing to return my insurance proceeds until they received the 6 months of payments. After 6 months they did not return my money. When I repeatedly called and asked, the representatives told me that I had to have an attorney call to get my money back. They then started returning my payments. In their previous response to my complaint to you, they said they were looking in to the matter, that I had more than a year of unpaid mortgage payments, at the time, which was not true and that they would continue to look into the matter and respond to me. CFPB closed the matter with the response. Specialized Loan Servicing did not respond to me. Did not send me my insurance proceeds. They did not send me any correspondence. I have been informed that they went ahead and filed a lawsuit against me.
Company Response:
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2017-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Shame on cfpb you did n't do anything monster SLS will Auctiin my home they never tryed to work out anything without attempts to help they sent my account to collection and they gave us 30 days to either pay {$XXXX} XXXX or they will Auction our home this is a shame embarrassment my husband was laid off ghen government shut down his school the stress put his health in great danger and myself i was diagnost with XXXX XXXX what 's going to happen to my XXXX with everything keeps happening all I need is to become home less we are waiting for his social security to come through government casss takes time XXXX SLS did n't do anything so many program they Justi want to take our home. So when some one put in a difficult times or put on financial difficulty which caused by employer fact is there is no help government do n't care and all of these bank regulation and programs for mortgage assistance are just a joke I need help now Monster SLS is selling my home i need help
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: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This all started back when my XXXX was being serviced by XXXX. I was XXXX month behind and was advised to do the loan modification. I started the process and gave them all of the requested docs. They explained that everything was in and they were going to review and get the loan modification going. At this point my loan was sold to SLS in XXXX XXXX. During the transfer my loan mod got put to a stop. I tried contacting SLS regarding my loan but they had not yet had it in their systems. Finally, in XXXX they contacted me regarding my loan and I explained to them that I was in a loan mod with XXXX right before they transferred my loan and was getting ready to go through with the loan mod. Finally got in contact with SLS and they finally had my loan and was able to pull it up. They then started to request updated documents to do the loan mod at their company now. Again I provided all the requested docs and would get them to SLS before the deadline. Then the next month they would re-request the same stuff that I have already provided. SLS stated they didnt receive it, but in fact they did receive it, they just didnt look at it. We literally did every month. After I would send my documents in I would call again to make sure they received it and what else they needed and when would they review it to see if the loan mod was approved. On XXXX XXXX, XXXX a Rule XXXX Deeds of XXXX XXXX Trustee was filed case number XXXX -- ( Can provide full case number upon request, XXXX XXXX XXXX. I was notified by mail and was confused as to why this has been filed because I was in an active loan mod process. I went to the hearing on XXXX/XXXX/XXXX and filed a motion with my QWR. This hearing was continued so that SLS could get me all the documents that I requested in the QWR. The next hearing was set on XXXX/XXXX/XXXX. This court hearing was vacated and never told to me why. I received an answer to my QWR past the 30 days they had to get it to me and missing quite a few stuff that I requested. To this day still missing a lot of documents that I requested. I was notified by XXXX XXXX that the case was dismissed due to me being in a loan mod with SLS and that the sale date would also be cancelled. ( Which I believed this law firm was telling me the truth, because why would an attorney lie to someone about their house foreclosure being canceled if it really wasnt ) How can any sale date be made when I am in an active loan mod? I have been in an active loan mod since I was transferred to SLS back in XXXX of XXXX. From looking at the XXXX XXXX XXXX, they have had XXXX Sales scheduled while still in the Active Loan Mod process. 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/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX I pulled up the XXXX XXXX XXXX to see if I could see if the sale date was indeed canceled and it was not canceled. At this time, I was still working with SLS with getting more documents in that they have requested again so they can review and get my loan mod approved. I have been in contact with SLS weekly to see if anything else is needed and to get a status update regarding my loan mod. I then had another XXXX XXXX XXXX of XXXX XXXX XXXX hearing to attend on XXXX/XXXX/XXXX with a new case number of XXXX -- XXXX XXXX number will be provided upon request ). At this point I still was not told that my loan mod was denied until arriving at the court house. Once I arrived to the court house, SLS had their attorney XXXX there. She was rude and explained that we should waive our rights and just not go in front of the judge to hear our case. We wanted to let the judge know that this was all wrong. I did a QWR back in XXXX XXXX. They responded way past the 30 days, they responded in XXXX and did not provide everything. XXXX thing is the FULL PAYMENT history of the loan to show how much was actually due, so in court XXXX provided payment history to me. It was still not the full payment history. It was missing XXXX XXXX to XXXX XXXX. This is what XXXX is saying we owe for, yet they do not have that payment history to prove we owe that. Also in court XXXX advised that we were due for XXXX XXXX and that the loan mode was denied. No explanation of why it was denied either. SLS messed around the whole time with the loan mod. I made sure everything they requested they had right away. I would call to check to see if they got the fax XXXX person said no then was transfered to someone else and they said that did have it. Everyone that I talked to had no idea what was going on and did n't really look into my documents. Then I would talk to someone else and they would look into my file and everything that they ever requested and needed was in my file. They did n't want to go through my paperwork or get the loan mod done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2017-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A