Date Received: 2023-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I was the beneficiary of a Federal Emergency Homeowners Loan Program ( EHLP ). I got a {$50000.00} forgivable loan as long as I kept making my payments and used my house as a principal residence. Thirteen years later, I wanted to sell my house and discovered that HUD had put a lien on my house when I took the emergency loan. In the meantime, I lost all my documentation due to a malfunctioning sump pump in my basement in XXXX. HUD is asking me to repay the {$50000.00} forgivable loan unless I can prove that I paid my mortgage on time between XXXX and XXXX. They won't even accept bank statements because they didn't show when payment was due, only when payment was made. Specialized Loan Servicing LLC refused to provide me with all the billing statements between XXXX and XXXX, stating that they didn't service the loan during that period. If I can not prove to HUD that I made these payments, they want me to repay them {$50000.00}. I met my financial obligation if I still have the same mortgage since XXXX. I want to file a complaint against Specialized loan servicing LLC for refusing to provide me with my billing statements from XXXX to XXXX or write a letter stating that I have paid my loan on time for the past 18 years. Their inaction could result in me having to pay {$50000.00} to HUD. I want to file a complaint against HUD /Federal Emergency Homeowner 's Loan Program for not letting me know that I had a lien on my house at the end of the program in XXXX. But six years later, asking for documents that are difficult to find. Instead of helping, they are doing everything to get their money back. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ct XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was under the understanding that I was still under XXXX reporting protection for my mortgage. I was able to bring the account current with some assistance for the State but during that time I was reported delinquent for 2 months when I was under the understanding that it was protected. I declined the repayment plan because I was working to get the account made current. SLS reported my account XXXX delinquent for XX/XX/2022 and 60 days for XX/XX/2022. I have reached out to SLS for assistance with this problem without any success. Can CFPB help out lines of communication with the right department to get this simple issue resolved? The account is present and will remain current. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Today I received a letter dated XX/XX/23 from Specialized Loan Servicing, indicating that I was delinquent on my supplemental real estate taxes. This is, in fact, FALSE! I am aware that it is my responsibility to pay supplemental real estate taxes and I have paid them and I am NOT delinquent. Ive called their company today and had a representative confirm this information. She also did not know what the indicated XXXX XXXX {$470.00} ( owed ) is in their letter. To receive *FALSE and INTIMIDATING notices from a debt collector, especially when my bills are ALL PAID IN FULL - is in violation of the Fair Debt Collection Practices Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92069
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized loan servicing, LLC forwarded correspondence XX/XX/XXXX indicating that they were in perpetual denial of title 12 section 226.23 ( H ) of the consumer right of rescission at foreclosure. SLS own words read " Please note that any claim under TILA is a legal argument. This is not the proper forum to respond to legal arguments. Nevertheless, SLS states that any argument for recission is without merit. SLS follows all state and federal laws in the servicing of the above referenced account ''. SLS even spelled the word rescission incorrectly showing their incompetency in serious matters. These arguments have gone clear up to the supreme court, contrary to SLS beliefs and statements regarding TILA merits and the final decision was for the consumers in upholding our right of rescission. This decision, XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ), will make it easier for residential borrowers to pursue rescission claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01104
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Specialized Loan Servicing LLC, our mortgage loan servicer. appointee by XXXX XXXX XXXX, manipulating our mortgage account for past three years. They bought three years of home insurance policy on their own without our permission and without having any authorities or rights and adding the cost of their purchases into our monthly mortgage bills. We as a customer have a right to have a correct receipt and bill. In order to confront them we stop to pay their incorrect bills. They started harassing us by sending Collection agency after us and now they brought a case against us in a Civil court for being in default and filled for foreclosure on our home. The cost of their three years of home insurance policy is nearly XXXX dollars. that they already added to our mortgage account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21030
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was under XXXX XXXX and my condo went into foreclosure in XXXX ( index XXXX ) I have made several attempts to modify my loan with XXXX XXXX XXXX In XXXX, I was approved for a modification ( HAMP ) federal government modification program. I qualified for this program and made all payments on time for a final mod. XXXX XXXX received over a year worth of payments for the HAMP modification and then denied it. All the payments made disappeared from my account and XXXX XXXX tells me that they cant find the payments or information regarding the HAMP Modification. I have copies of the acceptance letter, checks and statements that show my payments. XXXX XXXX continues to take all the equity my apartment may have by adding excessive fees and trying to still foreclose on my property. They have violated the law and are discriminating against me with their abusive practices. I made every attempt to keep my property from foreclosing but XXXX XXXX refuses to approve an affordable modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bought my home in XXXX of XXXX. I have maintained steady payment for taxes and insurance all since that time. Through all the outrageous insurance and property tax increases and taking care of my child as a single parent - I made my payments on a {$150000.00} home. However, this new increase from my Insurance/mortgage, I can not pay! My mortgage company ( Specialized Loan Servicing ), is saying I need to add an additional {$400.00} a month, to pay insurance and taxes. That adds up to {$900.00} per month- just for insurance and taxes - PER MONTH! So now, my monthly mortgage payment on a XXXX XXXX home, went from {$1400.00} to {$1800.00} PER MONTH! Per the Mortgage company, they estimate my taxes for XXXX @ {$3400.00}. I asked to have the taxes taken from my escrow and i will pay on my own. They told me, " to do that requires a decision by the board which will take 15 business days ''. My insurance went form {$200.00} to XXXX XXXX since XXXX. Never mind the fact that I take great care in maintaining good credit and making all my payments on time no missed or late payments in 10 years! I'm being penalized for maintaining a good payment record. I think Im being priced out of my home. Why is the state not assisting homeowners to stay in their homes? Helping homeowners to stay in their homes, creates a stable neighborhood, City , County, and ultimately, Country. I have tried looking for cheaper insurance. My broker says they can not find any cheaper Please help, homeowners are suffering. This is the only value I have ; I feel like Im being pushed out of my home, and Im on my own with not help. While everyone is grabbing at me for more money, more money which I dont have! Please find me help me find affordable home insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sent from XXXX Mail for XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX Date : On Tue, XX/XX/XXXX at XXXX XXXX Subject : Fwd : XXXX / XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Altered & Omitted County Recorded Instrument Numbers Fictitious Trustee Sale . XXXX XXXX XXXX Initial masterminds decided to alter/photoshop /omit the binding official legal recorded XXXX XXXX Instrument No. and dated date ( s ) due to XXXX XXXX, streamline and illegal foreclosure, and to benefit themselves financially. XXXX Eviction Attorney - Committed FRAUD via collusion with malice. Complaint Stated Deed was Recorded & Title Perfected on XX/XX/XXXX. The fictitious sale date of a public trustee open cry foreclosure sale that never happened. Then actual sale date changed ( fraudulently via Title 365 ) to XX/XX/XXXX, recording the next day XX/XX/XXXX. XXXX, and has worn 4-5 illegal antitrust hats,, XXXX is his criminal XXXX XXXX. XXXX XXXX, XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Cc : XXXX , XXXX, XXXX , XXXX, XXXX, XXXX, XXXX To whom it may concern : Acknowledged Correspondence and Documentation submitted in the last 72 hours, to the following State and Federal Entities/Agencies. XXXX XXXX - Assistant United States Attorney - Central Division / Chief Criminal Division. https : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, in the California is State Senate . https : XXXX XXXX XXXX XXXX. https : XXXX Federal Bureau of Investigation XXXX XXXX XXXX XXXX XXXX. https : XXXX Congressman XXXX XXXX - U.S. House Rep. California 2nd Congressional District . XX/XX/XXXX Thank you, your request has been submitted. Final Submittal Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under U.S.C. 371 U.S.C. 1349 ( XXXX ) XXXX XXXX XXXX XXXX and XXXX XXXX, amongst others, are huge advocates and supporters of affordable housing, in which the subject property being fraudulently swept out from under our feet for last year, is exactly what my wife, XXXX young daughters, and myself currently own and live in. Lets be perfectly clear, XXXX XXXX in XXXX for XXXX XXXX XXXX XXXX XXXX , DO NOT OWN XXXX XXXX XXXX , XXXX, Ca XXXX Look at the actual sale date XX/XX/XXXX, illegally recorded the next day XX/XX/XXXX. So what is this XXXX & XXXX? There seems to be conflicting sale dates along with an imminent NON-REO status, and still to this day, unperfected title. How did all of you collaborate and pull this off? {$370000.00} or {$390000.00} Conflicting sale dates, conflicting sale amounts which is about - {$75000.00} off to begin with.. XXXX XXXX XXXX , Trying to cover two parcels, one improvement, and lot 3 at the same time? Is that why all the confusion, all the fraud and collusion, a swift cover-up, failed miserably. You use XXXX as your tool, and now they have no idea what to do because they took one for the team, just like Title 365. All of the above have a lot of explaining to do, the question is, whos gon na talk, then walk? Doesnt really matter. All of you got caught, and have serious crimes.. XXXX XXXX, can you please connect with XXXX XXXX XXXX, have him look into XXXX XXXX XXXX XXXX file XXXX. have them explain the attached documents, e.g. an open outcry public trustee sale that fictitiously occurred on XX/XX/XXXX at XXXX. Also, why risk such exposure, and commit reckless fraud to participate in a cover-up for XXXX default services? Look! Coming soon.. Two separate buyers or was it remitted, XXXX has them as buyer # XXXX and buyer # XXXX. Maybe we should make them a joint tenants? Actually, neither of them own anything!! Being corrupt, committing fraud thats intentional and deliberate doesnt count. XXXX at XXXX clearly stated and quote, we do things here by the book! XXXX you do things by the book, down there in XXXX XXXX Pardon my language. Why is it so hard to perfect title? Because theres nothing to sell. XXXX at XXXX XXXX, perhaps you can explain what happen with this non-REO property, and that its still sitting in idle due to a wrongful eviction, fraud, and perjury, a clear violation of Penal Code 115 PC. Thats right folks SLS liquidated my loan back on XX/XX/XXXX and also on XX/XX/XXXX. The culprits always thought that there were two loans multiple parcels. It had to be made up on paper thats why can you see {$19.00}, XXXX that was interest and fees from XXXX XXXX, then, miraculously, it becomes a tool/Security instrument for the crooked adjustments and accounting. Notice how theres no figures for unpaid balance? Going way back, nothing to convey monetarily. Look above, thats why Titles never been perfected, still a clouded convoluted XXXX. However, the collaboration with the BIG 3 below, somehow ( only on paper of course ) pushed bits and detoured pieces through, with the colluded help of MRLPs attorneys at XXXX XXXX XXXX who think theyre invincible. A lot of people risked their livelihood to help you crooks out. Do all of your colleagues, business partners, loyal relationships, trusted entities know that youre kicking a family out on the street, that lives in affordable housing and is on XXXX / XXXX / CalWORKS? Do all of them know that the process youve used to push his family of four out on the curb by means of fraud and collusion, and the people involved have put 110 % in to making this sloppy reckless attempt of a legitimate transaction, look somewhat clean? The end result couldnt be further from the truth. You know who you are, but do you know what youve actually done? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Title 365 Did ALL OF YOU really think you were going to get away with this? How many other individuals, couples, families have you done this to? Yeah.. Yes, my familys home, is a Community Land Trust, deed restricted, leasehold estate ( not to fee simple ) Affordable Home, backed by HUD, CalFHA CHDAP, pushed and guarded by Fannie Mae and their ground lease rider. Fictitious and contrived trustee sale When theres equity, required to have an equity trustee sale, for two above entities had neither Lets make sure were on the on the same Computer Share information highway. SLS is so far in the dark, and were a bit premature on sending your hand picked local real estate agents son to illegally negotiate cash for keys and relocation assistance. Walks on to my front porch XX/XX/XXXX of XXXX, my name is XXXX XXXX XXXX, I am with XXXX XXXX. Really..? Before title is perfected ( still is not ) or the illegal recording is even documented. SLS, you have had your chance to make this right, theres so many fingers pointing back to you, and lets be perfectly clear, you hired XXXX XXXX XXXX, they hired XXXX XXXX XXXX XXXX, and we intend to hire XXXX XXXX. XXXX, that name ring a bell? Corruption and absolute criminal activity, stemming all the way back to ; XXXX XXXX XXXX XXXX XXXX, the sloppy hand off to XXXX XXXX and SLS, the quick and underhanded XXXX illegal delivery via a XXXX XXXX recording to XXXX XXXX in XXXX for XXXX XXXX XXXX XXXX XXXX , XXXX , then deliberately dumping off to XXXX, posting & publication, in which they reported ( not to their knowledge ) a fake/staged open cry trustee sale, on XX/XX/XXXX. Sold back to the beneficiary? Wow!! No one there to bid on a {$900000.00} property where the starting bid is {$37.00}? The beneficiary sure got a good deal. The corruption commenced even further into false eviction in an unlawful detainer posted on my door today. Investigators at the DFPI, DACA, CFPB, and Attorney Generals office, please obtain a copy of this document immediately, youll see clearly, the convoluted entities and dates that paint a clear picture of the obstructive illegal foreclosure, trustee sale, and eviction process that my family and I have painfully been subjected to.. XXXX SAMP ( youre very own in-house asset manager ) & specialized loan servicing, along with XXXX XXXX of XXXX XXXX XXXX XXXX , ( youve retained yourself? ) your decaying response to the DFPI was subpar, and the dodgy retorts are weak, dancing around the fact that youve altered documents and omitted the second and final recording of my property dated XX/XX/XXXX. Title 364 recorded fraudulent and altered documents by ADS approval at XXXX XXXX of XXXX, period. As for the unlawful detainer, how XXXX pulled that off, is beyond logistic judicial law. This was also noted and documented on XX/XX/XXXX in the supplementary report to the FBI. In the defense of my family, especially my XXXX little girls that were babies, whove lived here for 15 years, in a brand new constructed, XXXX XXXX, HUD backed low income, first time buyers home. Again that is a shared equity, leasehold property, not fee simple, needing to be shoved out, on the street, illegally with no remorse or empathy, by unlawful actions. Those who are accountable, which are many will endure justice, face to face. Speaking of justice, XXXX XXXX & XXXX XXXX, can you explain to the other recipients in this email, how a local realtor walks in on a closed and private pre trial arbitration assemblage, signs as the plaintiff ( XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX ) who Is not employed or a representative internally externally, Or disclose independent contractor under said Trustee, who is a foreign corporation, doing business out of Delaware. The Realtor works for XXXX XXXX and periodically gets REO listings out of a portal if and when they become available. He can not sign as a witness, either, especially NOT as the plaintiff. Exercising Code of Civil Procedure section 473 The Unlawful Detainer, and Stipulated Judgment need to be dropped, XXXX XXXX in XXXX for XXXX XXXX XXXX XXXX XXXX XXXX as a whole needs to be dismissed with prejudice. XXXX XXXX, Request for Dismissal needs to be exercised immediately, and its not going to be pending approval from XXXX XXXX in XXXX for XXXX XXXX XXXX XXXX XXXX approval , or SLS, or their non-arms length asset manager, etc. Thank you to all the recipients who took the time to read this, especially the Individuals of the State and Federal Agencies/Bureaus working alongside my Family and I, that are upholding the law and looking out for our best interests. Always grateful, XXXX XXXX XXXX & XXXX Note : XXXX XXXX - Congressman Jared Huffmans office : Thank you for contacting me. I always appreciate hearing from my constituents, and I will respond to your message as soon as I am able. Thank you for your patience.Thank you for contacting me. I always appreciate hearing from my constituents, and I will respond to your message as soon as I am able. Thank you for your patience. If this is an urgent matter, please contact one of my offices below : Yes, very urgent..
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: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: i am XXXX XXXX my loan with XXXX XXXX Loan number are XXXX before my loan was with bank XXXX everything was very smooth and comfort all payment on time sudden they shift my loan to SLS from very first they they start upset me too much took out try multiple payment i paid my bank charge all lot of things to fix but they are shameless and worse customer service in world totally unprofeesionals they not listing XXXX is customer problem start argue all time not traing what is customer service i call them tomake low my payment please remove my P.M.I how much i pay without my knowlege without ask me anything sending report to Credit beure my loan modication & sudden excuse my escrow amount shortage ask more money increase montly payment and very smartley XXXX my credit to poor credit Report about my loan modification when i call even today need tell everyone whole story they mook on me finally i tried everything i think i need legal help they want keep own legal team busy all time .. No any good comunication with customer I Hate name of XXXX XXXX FRAUD too much make me disturb unfailly keep me disturb from very first day evey thing was smooth on time with Rushmore MY BAD LUCK NEED TO FACE STUPID PEOPLE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We fell a few months behind on our mortgage due to a temporary hardship. That hardship was resolved in late XX/XX/XXXX. On XX/XX/XXXX, I called our servicer, Specialized Loan Servicing ( SLS ), to make a payment to cover the past due amount and catch up. The representative told me that the amount due to catch up was {$3400.00}. The representative helpfully scheduled a payment for that amount for XX/XX/XXXX and made no mention of anything being amiss. I received a confirmation email and confirmation number. On XXXX, I received another email saying the payment was completed. I checked my mortgage account online, and I saw that that amount was applied to the balance due on the loan, and I assumed everything was fine. SLS also withdrew the {$3400.00} payment from my checking account at that time. However, on XX/XX/XXXX, I received a message via SLS 's secure messaging system that my payment was being returned due to my loan being in foreclosure. That was the first time I was made aware of any foreclosure. I replied to the message using the secure messaging system and explained how I was told on XXXX that the payment of {$3400.00} would cover the past due amount and I expected them to follow through on their word. I received a reply on XX/XX/XXXX that basically said the same thing as the XX/XX/XXXX message. In the meantime, I called SLS on XX/XX/XXXX and spoke to a representative who was unable or unwilling to help me. He scheduled a return call with a supervisor for between XXXX and noon on XX/XX/XXXX. I arranged my work schedule so I would be available at that time, and I never received a call. I then sent SLS another message later in the day on XX/XX/XXXX asking for the direct number of a supervisor. I didn't receive a reply until XX/XX/XXXX, which said a supervisor would reach out to me in the next 24-48 hours. That time frame has now passed, and I still haven't received a call. SLS obviously made a mistake, they are unwilling to correct it, and they are unwilling to escalate the matter to someone who can correct it. They have yet to return the {$3400.00} payment. I expect them to honor the figure of {$3400.00} as explained to me on XX/XX/XXXX and apply my payment to the loan. They record all phone conversations, so none of this information should be in dispute. I also have copies of the confirmation emails and other communications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A