Date Received: 2017-05-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On approximately XXXX XXXX XXXX I made the required payment and extra. On XXXX XXXX XXXX I made another payment for XXXX XXXX XXXX , it was applied to the principal. I spoke with The company Specialized Loan Servicing, LLC representatives on three occasions about XXXX XXXX payment being wrongfully applied to the principal and each person assured me that it will be corrected. I have received late fees and other fraudulent fees. On XXXX XXXX XXXX I reveiwed my credit report to discover that Specialized Loan Servicing list the account as delinquent for sixty days. I called the company again and the representative hang up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2017-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have sent i n 3 sep arate payments totaling {$5300.00} to bring our mortgage current. I have spent hours on the phone with Specialized Loan Servicing and have had XXXX tickets open to research and look for our payments, all of which have been taken from my checking account. One p ayment was sent as a personal check via XXXX on XX/XX/XXXX , processed and taken from my checking account on XXXX XXXX , 2017 f or {$1200.00}. Another payment was sent as requested via XXXX XXXX for {$2300.00} on XXXX XXXX , 2017. Ano ther payment for {$1800.00} was sent via XXXX XXXX for {$1800.00} ON XXXX XXXX , 2017. We will go into foreclosure this coming week if the company does not prioritize this and find our payments and properly apply them to our loan. These total equate to more than 5 months of payments. I ca n't keep taking the time to call over and over again, each time having to explain the situation, and each time being told the same things over and over again. PLEASE HELP!!! I am attaching what I can to provide confirmation of these payments. The company has these items, with the exception of the receipt for the {$1800.00} payment. However, I verbally gave them the reference number for the XXXX XXXX as requested. I need to locate that receipt and I will then email that directly to the company. A bank statement has not been issued for that date, yet, but once issued I will send that as well. Hopefully this is all taken care of by then! Attachments : Bank statement confirmin g XX/XX/XXXX check payment. Bank statement confirming both the XX/XX/XXXX and XX/XX/XXXX XXXX XXXX payments. Receipt from XX/XX/XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2017-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Mortgage with XXXX XXXX XXXX was first reported delinquent XX/XX/XXXX . It was charged off my credit report and deleted in XXXX . Furthermore the mortgage company had filed a release with the recorder of deeds XX/XX/XXXX . This 3rd party company has recently sent information regarding the old debt with out the original creditors information listed. I feel this debt is not mine because they have no legally binding contract with my signature agreeing to the remaining debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2017-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX I contacted my mortgage company at the time, XXXX ( XXXX XXXX XXXX ) to try to get a loan modification thr ough MHA ( Making Home Affordable ) but was denied. In XXXX XXXX my mortgage was sold to SLS ( Specialized Loan Servicing ). I contacted them in XXXX XXXX to try to get a loan modification throug h MHA. In late XXXX XXXX they denied my modification request. In that letter their reasons were incorrect, inaccurate, and inconsistent. In that letter they told me of the option to request a second independent review. In early XXXX XXXX I sent them a request for a second independent review. Their letter stated that they wouldnt continue with the foreclosure process while being reviewed. However, in early XXXX XXXX when I followed up with them they told me that my home was foreclosed on and sold on XXXX XXXX , XXXX . I retained a lawyer to attempt to rescind the foreclosure and fight an unlawful detainer. I lost on the unlawful detainer, which will force me to move. I received an eviction notice and need to leave my property by Tuesday, XXXX XXXX , XXXX . By foreclosing on my home SLS violated my California Homeowner Bill of Right s.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2017-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I XXXX XXXX XXXX , obtained financing from XXXX XXXX in XX/XX/XXXX as an INTEREST ONLY Loan paying paying flawlessly for 15 years {$1800.00} until XX/XX/XXXX I missed my first payment because of a pending retirement . I requested a Loan Modification that would have been in line with the projected Social Security Monthly Benefit Payment, however, XXXX did not response, but did write a on XX/XX/XXXX stating that I was in default, then suddenly sent another letter dated XX/XX/XXXX informing me that the Mortgage was transferred to SLS, I immediately applied for a Loan Modificcation with SLS sending the 1st. completed request package on XX/XX/XXXX explaining in my hardship letter, I was retiring in XX/XX/XXXX , and wanted to remain in my home. I furnished in that request a Letter f rom th e Social Security Administration sho wing my reduced income will go into effect on XX/XX/XXXX . SLS OFFERE D THE LETTER AND OFFERED A LOAN MODIFICATION BASED ON MY SALARY. I refused the offer and month after month, with each newly assigned Relationship Manager, I sub mitted a Request for a Loan Modification ( RMA ) I used the XXXX XXXX XXXX Forms. I extended my retirement , and medical treatment to XX/XX/XXXX . To date, no offer of a Loan Modification inasmuch as I can show Social Security Deposits in my Ba nk Statements. I tried to short-sell, and with offers sent to SLS, there have not been any responses to the short=sell. I cancelled the short-sell in XX/XX/XXXX , an d have sent Loan Packages in XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX a nd XX/XX/XXXX el ectronically. I want a loan modification based on my reduced financials. I paid over {$260000.00} in interest to XXXX XXXX for 15 years and have NEVER ONCE BEEN LATE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XXXX XXXX XXXX , I was noticed of the following from the I.R.S. : " Per our records XXXX XXXX XXXX received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING, LLC - XXXX . XXXX XXXX XXXX XXXX 's cancellation date occurred XXXX XXXX XXXX . '' and " Per our records XXXX XXXX XXXX received {$300000.00} in cancellation of debt from SPECIALIZED LOAN SERVICING, LLC - XXXX . XXXX XXXX XXXX XXXX 's cancellation date occurred XXXX XXXX XXXX . '' I did not execute any debt instruments in favor of Specialized Loan Servicing, LLC ( " SLS '' ). My husband XXXX XXXX XXXX did not execute any debt instruments in favor of Specialized Loan Servicing, LLC. It i s an impossibility for SLS to have purchased debit instruments that comport with the debt forgiveness figures SLS reported to the I.R.S. XXXX XXXX XXXX , XXXX has no authority to report to the I.R.S. that it cancelled debt on XXXX XXXX XXXX , relating to my social security number, nor my husband 's social security number. Apparently, Specialized Loan Servicing, LLC used my identity and my husbands identity in a fraudulent scheme to take tax deductions to which it has no right, and to harass me, my husband, and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On X/XX/2017 , I lodged complaint no. XXXX regarding Specialized Loan Servicing 's misappropriation of funds from my property tax escrow account in or der to disburse insurance premiu ms to ( 1 ) an insurer whose policy I intended to let expire and ( 2 ) a replacement insurance policy which I had already paid. Specialized persists in demanding that I repay the escrow shortage created by their error. I will attach to this complaint a copy of a letter I mailed to Specialized today detailing my efforts to have them rectify their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29526
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX and I am a senior of XXXX years old, ex periencing a considerable hardship consisting of reduced income, increased expenses, after a XXXX XXXX XXXX on XXXX XXXX XXXX XXXX , and an extensive XXXX XXXX , ( none of which were covered by XXXX ). After I have applied for financial assistance with XXXX , back in XXXX , I was told by XXXX that my application for financial assistance was Complete, and ready be sent to the Underwriting Department. However, instead of that happening, my Mortgage has been sold by XXXX to Specialized Loan Se rvices ( SLS ). At the time of sale ( XX/XX/XXXX ) both, XXXX & SLS, agree d that my Application for Financial A ssistance ( since it has been deemed Complete ), should continue to be processed by SLS, as such. However, after about a few months, in whi ch SLS asked me to submit many documents ( I have submitted abo ut 250 pages of documentation ), multiple times ( see Case # XXXX ), I have had my application for financial assistance denied by SLS ; not because I have not submitted all the required documents ( which I did ), but because SLS did not have all the documents submitted by XXXX to SLS. Consequently I was told that Ill have to s ubmit the entire package of documents, again, in order to re-open my application for financial assistance from the beginning, without mixing documents that I sent to XXXX with documents that are to be sent to SLS, exclusively. This is exactly what I did. However, I did not hear anything from SLS for a while, in terms of either calling me and/or, sending me any letters with a status update, as related to the status of my application for financial assistance. Consequently, I have asked XXXX XXXX , my assistant, to call SLS on a regular basis to find out if there is any status update and/or, if there are any additional documents required to be sent to SLS, after my file was Complete. I/ XXXX , have also called XXXX XXXX ( PIN # XXXX , and/or, PIN # XXXX ), and despite having multiple assurances that XXXX XXXX will open an investigation and look into this matter, there was no follow-up from the XXXX XXXX either. Moreover, during the conversation between XXXX XXXX ( my assistant ) and XXXX XXXX ( on XX/XX/XXXX ), XXXX XXXX was told that he should stop calling SLS, because in calling SLS to ask them about any status updates, I/we are slowing down the Review Process. It is worth mentioning that this was happening while SLS unilaterally decided that they will NOT communicate with me at all, because of a supposedly Cease and Desist which was placed on my file ( of which I stated multiple times, both, in writing and verbally, that I have not signed any such document ). Eventua lly, SLS de nied my application, after initially approving me o n a Trail Plan t hat I was not aware of, because nobody called me and/or XXXX , to let us know about. Not knowing anything about it, I/we just waited, as advised by SLS and XXXX XXXX . By the time XXXX XXXX calle d SLS. i n order to find about any new status update ( s ) , XXXX was told that because I have not made the First Trial Payment, under the approved Trial Payment Plan within the 30 day time-frame from the approval ( of which approval neither me, nor XXXX , knew anything about ), my application has been once again, denied. SLS stated that the have sent a letter to my residence through regular mail. However, I did NOT receive any such letter from SLS. When I have asked SLS if the y have any tracking number to prove that the letter has been sent, SLS stated that they send the letter through regu lar USPS. During S LSs processing of my application for financial assistance SLS has done and/or, failed to do, the following things listed below : Servicer provided conflicting information as of borrowers workout options Servicer failed to provide the borrower with accurate & relevant data, Servicer denied the Borrowers Application on false and inaccurate premises Servicer consistently failed contacting the borrower on status update ( s ), Servicer assigned unqualified personnel to handle the borrowers application Servicer failed to acknowledge the packages submitted, in a timely manner, Investor encouraged Servicer to misbehave by restricting Borrowers calls. Servicer failed to inform the Borrower of an approved application/Trial Plan Servicer failed to inform the borrower that a foreclosure referral was made Servicer did not allow completion of appeal time prior to foreclosure referral
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2017-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured. In one month mortgage has gone up from {$5200.00} to {$6000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2017-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted a modification packet since XXXX / XXXX / 2017 . I was told my packet was going to be review for a modification. However ; SLS schedule a sale date 15 days after they had acknowledge my application. SLS does not want to put my sale date on hold or push it back until I get a decision. I am very upset of the way SLS is reviewing my loan at this point I dont even believe SLS intentions are to help me. Since SLS has done this to me in the pass, I am very scare to lose my home. I dont have any where else to go, and my intentions are to keep my house with an affordable mortgage payment. I am still willing to work with SLS however they are just prolonging my case so my home can finally foreclosed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A