Date Received: 2017-09-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to get notifications on what my monthly bills and fees are for over a year, but this company refuses to send me anything in the mail. When I called back on XXXX XXXX of XXXX to have this rectified, they told me I needed to submit a Periodic Statement Authorization Form. This form was then immediately filled out and sent to them via fax on XXXX XXXX XXXX.Since then I have called in repeatedly to get my balances because they still were not sending me any notifications. I asked about the notifications status and the representatives told me that it was strange that I was n't getting any statements because the form was received on XXXX XXXX. On XXXX/XXXX/XXXX I called in to make my monthly payment and the representative informed me that I owed an additional {$6000.00} for charges incurred earlier in the year. At this time it was the first time I heard about these charges. I have since asked the company to explain why these charges were incurred and also to explain why they have failed to notify of these charges even though they received my form. They sent a letter saying they never got a form from me, which is just plain false. I believe they are not being truthful about this form being received on XXXX XXXX XXXX, which would make them guilty of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 535XX
Submitted Via: Web
Date Sent: 2017-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS LN XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Short sale was started with SLS on XXXX/XXXX/XXXX. An offer for $ XXXX was submitted. A BPO was completed by SLS and the offer was countered to $ XXXX. We submitted the following value dispute documents on XXXX/XXXX/XXXX : XXXX. Letter from Buyer regarding property condition 2. Contractor Bid from XXXX XXXX 3. Contractor Bid from XXXX XXXX XXXX 4. Plumbing Bid from XXXX XXXX 5. Contract or Bid from XXXX XXXX XXXX 6. Site Investigation Report -- - this was an evaluation done by an independent third party 7. XXXX XXXX County Records Search 8. Photos showing damage This information resulted in a counter offer of $ XXXX. A fully licensed appraiser was hired ( not by SLS ) to complete an appraisal by a Licensed Appraiser. ( SLSs valuation was done by a BPO agent not a licensed appraiser. ) ****This appraisal came back at $ XXXX. The following items were submitted via fax to SLS on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. These items were also emailed to SLS on XXXX/XXXX/XXXX. 1. All of the items above, sent on XXXX/XXXX/XXXX XXXX. Appraisal ( done by a fully Licensed appraiser ) 3. Market Comparables showing sold comparables pricing in low $ XXXX range My conversation with the SLS rep today, XXXX/XXXX/XXXX, indicated that SLS has deleted several items from the faxes and emails, namely the Site Investigation Report. ***SLS HAS WILLFULLY DELETED DOCUMENTS that have constituted the Valuation Dispute package we have submitted. THIS IS UNACCEPTABLE. Furthermore, the BPO agent, XXXX XXXX, has already been involved in several cases of valuation fraud in regards to other valuations he has completed. He is an REO agent and it is obvious that he commits this fraud in order to secure the listing ( and the subsequent commission fees ) from the servicer after the foreclosure. We have had these same valuation issues with the property at XXXX XXXX XXXX XXXX also serviced by XXXX. This is another short sale we are working on where XXXX XXXX has willfully commited valuation fraud. Please see attached letter from the Listing Agent on this property which outlines each material fact that XXXX XXXX has omitted from his valuation of the property on XXXX XXXX XXXX ( NOTE : there are SEVEN MATERIAL FACTS OMMITTED BY XXXX XXXX on the valuation for XXXX XXXX XXXX alonethe biggest issue being that it is a mobile home and he is calling it an SFR ) Also please see the photo of the pool, which he completely omitted from his valuation. ( XXXXXXXX XXXX was provided with all information regarding the condition of the home and he has purposely omitted these items from his valuation. ) We currently have both State and Federal complaints filed against XXXX XXXX on this property alone. -- -See attached for Deerhorn : 1 ) Interior BPO done by XXXX XXXX , 2 ) Letter to XXXX from the Listing Agent, & 3 ) photo of pool. Secondly, due to the issues with XXXX XXXX valuation of the property at XXXX XXXX XXXX, we have become aware that XXXX XXXX is currently involved in a pending lawsuit on another property with this same buyer. Im very surprised that SLS would use someone being sued for Valuation Fraud. We at XXXX XXXXXXXX XXXX have come across three separate valuation fraud issues with XXXX XXXX in the last month alone. These can not possible be the only complaints against him in this state.
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: 2017-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been making partial payments for years where the partial payments add up to the total monthly amount due. The company Specialized Loan Service has harrassed me on numerous occasions forcing me to take time off from work to deal with them. Literally days of phone calls with them. They refuse to apply my payments to my Load Payment and insist that they will not apply it to my loan payment. The result will be that even though I am paying them consistently they will forclose on my property
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2017-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage was supposedly sold from an existing XXXX trust to another trust. XXXX XXXX XXXX. i was not notified of this transfer for over 90 days. At that time I requested proof of sale and a certified copy of my note as well as any assignments and or allonges.I have made this request over 5 times and I have never received any notoriety or certified copies of my notes sale.I did find an assignment datedXX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX, however XXXX was a defunct corporation at that time and I feel this is an illegal assignment clouding my mortgage. Specialized Loan Servicing has refused to provide my proof of sale of my mortgage or any substantiation of their right to service and become a debt collector of my note. I believe they as a Collection Company are acting without legal rights or possession of my loan note as the Debt collector. I have sent Certified mail requests for my note and all endorsements and continue to not be supplied such.They continue to damage my credit without rights to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My home was foreclosed when shortsale reviewing on XX/XX/2017 by SLS ( Specialized Loan Servicing LLC ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2017-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Atten : Specialized Loan Servicing Please verify and confirm that the Note Custodian you refer to in previous communications through the CFPB as holder of Original Documents for XXXX XXXX XXXX Home equity line agreement and Disclosure statement is " RECON TRUST ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing : Loan # XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT Our loan servicing company was transferred to Specialized Loan Servicing within the last 6 months to a year. We have consistently made our payment on time and in the exact same way each month, through our bank ( XXXX ) online bill pay, which sends a paper check. OnXX/XX/XXXX, we received a notice dated XX/XX/XXXX from Specialized Loan Servicing that our loan was delinquent. We knew that we had paid on time and had not missed any payments, so we verified with our bank, where we found proof that each mortgage payment check for {$950.00} had been cashed and received on time. We then looked at our account on the Specialized Loan Servicing website and noticed that for some reason, we were not given credit for ourXX/XX/XXXX payment, which, according to our bank 's records was cashed on XX/XX/XXXX. While we paid our XX/XX/XXXX payment on time, they applied it as if it were a late XX/XX/XXXX payment, and are now saying that our XX/XX/XXXX payment is delinquent. They are sending us delinquency notices and have added late fees to our account. I have not checked, but I assume they have also reported our payment as late to the credit reporting agencies, and damaged our credit. In an attempt to resolve this quickly, on XX/XX/XXXX ( the same day I received the notice ) I called the number listed on the notice to explain what happened and to send them proof that we made a payment. The person on the phone gave me an email address to send proof to, which I immediately did. She then informed me that she had opened a case and it could take until XX/XX/XXXX for them to investigate to see what happened. I asked if, in the meantime, the debt collection notices and negative credit reporting would continue, and she said yes, it would continue and that they could not stop it until they had investigated the issue. I then escalated the call to someone else, who said he would look to see if he could find the payment in the system. After about 20 minutes he said that he could not find it, but that they would investigate further. I asked why someone could n't just look at the email I just sent with proof, and resolve the issue, and he said that it can take up to 48 hours for the information to upload so he could n't look at it. I again asked for the company to cease all negative credit reporting and notices since this was their mistake and we did not do anything wrong, and he said " how do you know its our mistake and not yours? '' I stated that I know it was their mistake because the money was taken out of my account, and I have proof, which I had already sent to them. When I ( regrettably ) became upset, he told me he needed to get off the phone with me because he had lots of other customers in the same situation as me, which tells me that this is a common occurrence at their company. We feel that this issue would probably be resolved eventually without intervention, but are concerned about the time and effort their mistake is costing us to correct, and more importantly, the hit this will be to our credit, and time and effort it will take to resolve this issue with our credit companies. We do not want this drug out and our credit damaged in the process. To be thorough, I have attached proof of ourXX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Mortgage payments, all of which were paid on time and in the exact same way. Our ideal resolution would for Specialized loan servicing to quickly correct the account and all interest and late fee charges, and to provide a letter stating that we made our payment on time and that the negative credit reporting was due to a clerical error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Based on my knowledge, we notice alot of violations in regards to my loan and Who owns my loan to pay off a alleged debt with the previous servicer, who is now under investigation ( XXXX XXXX XXXX ) and not license in Maryland under the MD Commissioner Finance office. to collect a debt from a third party. later discover the alleged loan was transfer to XXXX XXXX XXXX. I ven sent off the dispute letters to send to the servicer/ third party debt collector. my payment was returned. and later applied for modification which clearly was denied numberous times under hardship circumstances. I would like to entire loan to investigated due to preditory lending, truth n lending, Respa.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2017-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS mortgage provider is servicing two of my loans. On one of the loans they 've lost a payment for the month of XXXX 2017. I did send a payment and have a cached check image on file with my bank. SLS have received payments for both loan accounts for all other months - not a single missed payment. SLS also received payments for the month of XXXX - on both accounts. Yet they 've put my account into delinquent state - not giving me a courtesy call or a grace period to react to the XXXX statement and realize that XXXX payment on one of the accounts was not posted. I have provided SLS with an image of a cleared check, all the data necessary to prove that payment was received by them, yet I 'm still in delinquent state. I 've recently located the funds too and called their customer service to explain that they mistakenly posted the payment to the other loan account that I have with them. Their response is that the delinquency will be removed once funds are transferred to the correct account. Their original quote was 60 days to handle this issue. Now I 'm getting a quote of at least 10 business days to transfer money to the correct loan account. I 've asked SLS if this delinquency has been reported to my credit history and they confirmed that it has even though consumer should have 60 days to appeal any financial issues prior to being reported to the credit bureau. I would like the poor service provided by SLS to be reflected on their public rating and record. I would also like to make sure that their mistake does not get reflected on my credit history - neither now nor several months down the road.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS is my loan servicer that was tranferred from XXXX XXXX XXXX. In XX/XX/XXXX I filed a Ch.XXXX bankruptcy on XX/XX/XXXX our bankruptcy was paid in full and discharged. On XX/XX/XXXX I recieved a letter from SLS stating that we were late on our mortgage payments. I contacted SLS and XXXX XXXX XXXX on XX/XX/XXXX. SLS says the loan came to them behind on payments. XXXX XXXX XXXX says that we still owed fees from the bankruptcy and they collected the fees in XX/XX/XXXX after we recieved a modification. I would like to get a complete payment history from SLS and XXXX XXXX XXXX We successfully paid the terms of our Ch.XXXX they ca n't come back and say we owe money. I would like to get this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A