Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Additional and more severe violations have occurred by my loan servicer, SLS, since my original complaint ( CFPB Case number : XXXX ) submitted on XX/XX/XXXX. At that time, I claimed that my loan servicer SLS was illegally " dual tracking '' my loan. Not only has SLS continued these actions, but they have pushed into the realm of what I believe to be criminal fraud. In additional to multiple call recordings which I can provide, I also have written proof. Only after prior complaints to the AZ AG 's Office, the CFPB, and submitting a Qualified Written Request ( QWR ) did SLS honor their written agreements and follow regulatory guidelines, and offer the loss mitigation option of a short sale. All deadlines were met, and full appraisal price was offered by the buyer. SLS rejected the short sale and later provided FALSE STATEMENTS claiming that the buyer 's offer was too low. FRAUD SLS repeatedly provided false statements to myself and to the Making Home Affordable ( MHA ) escalations team by claiming that the buyer 's offer was too low, therefore rejecting the short sale, and moving to foreclosure. However, emails from our realtor show that the initial buyer was willing to pay full asking price ( EXHIBIT A ). We also had back-up offers for above appraised value ( EXHIBIT B ). Our realtor made multiple requests to speak with an SLS supervisor to ask why a full price offer was rejected, and all such requests were denied ( EXHIBIT B ). These actions combined with my assigned representative 's refusal to help ... from day one ... confirms that SLS never intended to evaluate for a Home Affordable Foreclosure Alternative ( HAFA ) short sale, for which I applied. I can only speculate that SLS is financially motivated to foreclose on my home. I realize that fraud is a strong accusation. However, the repeated false statements and stone walling, loss and mishandled paperwork, and lack of access to supervisors can not be ignored. Willful deception to another party resulting in significant financial harm meets the definition of fraud. RESPA VIOLATIONS My assigned representative, XXXX, was hostile from our very first conversation. She made it clear that she would not be assisting with ongoing loss mitigation efforts, and repeatedly stated that XXXX will instead be foreclosing on my home. These are clear and continued violations of Real Estate Settlement Procedures Act ( RESPA ), particularly 1024.41 ( g ) for ILLEGAL DUAL TRACKING and 1024.38 for failing to provide minimum servicing. EXAMPLES : XX/XX/XXXX : During my initial call to XXXX confirming SLS 's receipt of my complete short sale packet ( before the HAFA deadline of XX/XX/XXXX ). XXXX stated that they will not process the short sale, XXXX will foreclose on my home, and that I should seek a lawyer. XX/XX/XXXX : 3-way call with HUD Counselor XXXX, an authorized 3rd party, and XXXX refused to even discuss the account. It was only until the HUD Counselor demanded an escalation to a supervisor that any progress was made to discuss the account. XX/XX/XXXX : Could not reach XXXX but instead spoke with XXXX, who refused to discuss the ongoing short sale only to repeat that SLS will foreclose. I made repeated requests ( at least 5 ) to escalate to supervisor, at which time XXXX refused all requests and then disconnected the call. PLEA FOR ASSISTANCE SLS could argue that their actions are honest mistakes simply made by a large organization, e.g. the left hand does n't know what the right hand is doing. However, because of the repeated denied requests by myself and by my realtor to speak with next-level supervisors, it shows a concerted effort by their organization to cut off even the most basic communication regarding ongoing loss mitigation activity. And now, with written proof of SLS providing false statements in an attempt to illegally foreclose, I stand by my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for XX/XX/XXXX and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since XX/XX/XXXX : 1 ) XX/XX/2017- I spoke with " XXXX? '' SLS needs my son 's pay stubs. ; 2 ) XX/XX/2017 - I fax son 's pay stubs ; 3 ) XX/XX/2017 - I spoke with " XXXX '' at SLS, she claimed no record of son 's pay stubs ; 4 ) XX/XX/2017 - I spoke with " XXXX '' at SLS states that they have received my son 's pay stubs ; 5 ) XX/XX/2017- I called SLS and asked for " XXXX '' about a letter that I received from SLS on XX/XX/2017. XXXX later returned my phone and indicated that now I needed proof of residency for my son ; XX/XX/2017- I faxed to SLS XXXX of my son 's pay stubs, his driver 's license and XXXX form ; XX/XX/2017 - Spoke with XXXX at SLS and she confirmed that the documents that I faxed on XX/XX/2017 were received by SLS. My loan modification application is on review. XX/XX/2017 - XXXX at SLS called asking for son 's last XXXX pay stubs ; XX/XX/2017 - I faxed my son 's pay stubs per XXXX request of the day before ; XX/XX/2017 - I called SLS to check on the loan modification, I was told that I had a new point of contact " XXXX ''. The application was on review ; XX/XX/2017 - Spoke with XXXX at SLS - She indicated that review on modification takes 30 days ; XX/XX/2017 - Received several calls from SLS to my home and cell phones while I was at work. I later returned the message and spoke with a " XXXX '' at SLS. XXXX now wanted that I send a new Social Security award letter, XXXX recent bank statements showing a child support deposit ; food stamps letter. She also said that I should send a new modification application ; XX/XX/2017 - I spoke with " XXXX '' at SLS for a status. She said that my documents were received on XX/XX/2017, but I believe were not uploaded until XX/XX/2017. XX/XX/2017 - I received, incredibly, a letter form SLS, dated XX/XX/2017 ( attached ), that my application for " assistance '' is denied because my request ( presumably the application that I was instructed to submit by SLS ) was received too close to the pending foreclosure date. I think is unfair for SLS to continue the process of foreclosure based on the above facts. I have done everything asked and provided to SLS whatever document requested despite my duplication of effort.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I recently went through a very bad divorce that devastated me emotionally and financially. Due to the liquidation of assets and monies paid through the process I began struggling to keep up with my mortgage payment and ended up defaulting. I am contacting your organization because my lender SLS has refused to open an inquiry into my situation and has failed to provide me with any information that would allow any sort of reconciliation process to begin. I bought my property in XXXX and refinanced in XXXX into a very bad adjustable rate loan with a rate that starts at 6.97 % and can only adjust up that had a two year prepayment penalty. I have been told that these type of loans are no longer allowed because they are not " qualified mortgages '' and they are predatory and the lender issuing them is potentially liable. Even though I have this loan with a high interest rate and increasing payment I have paid as agreed on this loan for nearly 10 years. As I mentioned I went through a painful divorce which hit me hard, affecting my income and my ability to pay my bills. I had no option to refinance due to depreciation of the property and ended up falling behind on the loan. I reached out to SLS at that time in order to try and get reviewed for in house and government programs that would give me the opportunity to get back on track with the mortgage. I spoke with agents at SLS and was told that they would be willing to help me and that the forms I needed to fill out and complete would be sent to me. After several weeks went by, I reached out again to try and get these forms sent but still could make no progress. As I got back onto my feet financially I reached out and attempted to make my regular monthly mortgage payment but was told that SLS would not accept anything other than the full amount past due. Since that time I have been trying to get a conversation or process started with SLS that would allow me to get my rate and payment lowered and get into a more stable loan that does not constantly increase. However, I have been stonewalled and obstructed by the SLS staff and have not even had a review opened ( to my knowledge ). I am gainfully employed as a XXXX, and my live in girlfriend works as well and contributes financially. I believe that if SLS were to actually review my information they would see that I qualify for the retention programs that were funded by the government -- but the problem is I ca n't get their attention onto my case. I realize that this is my fault and that I am behind on the loan, but I am not in a position to repay all of the late payments in one payment, which is the only option SLS has given me. I believe there are other options available, unfortunately SLS has not even given me access to these options and that is why I am filing this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband was working for XXXX for 10 years until XX/XX/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. Now the mortgage servicer sent me a foreclosure Notice.
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: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XX/XX/XXXX, I purchased a duplex property with the address XXXX, TX XXXX. I bought the duplex through XXXX, who transferred the servicing of my loan to Specialized Loan Servicing , LLC ( SLS ). I have an escrow account required for the loan, which SLS services. In XX/XX/XXXX, when the property taxes for both sides of the duplex were due, SLS paid the taxes for only XXXX. I did not notice the unpaid taxes until I received a deliquency notice from the XXXX County Tax Assessor. On XX/XX/XXXX, I contacted SLS by phone to inquire about delinquent property tax notices I had received for my home loan XXXX : XXXX . I contacted SLS because my loan requires an escrow account and SLS is required to make the appropriate tax and insurance payments under the loan servicing agreement. I spoke with an agent who was very apologetic and confirmed this was an error. The explanation given was that SLS ' had mistakenly paid the taxes on only XXXX parcel of the duplex property. She thanked me for bringing the error to SLS ' attention before the delinquency date for the property taxes and said that they would rectify it promptly. I accepted this resolution and notified the agent that I would be sending a qualified written request ( QWR ) including the county tax assessor 's bills as documentation of the issue. I sent this QWR the same day to the address of SLS ' XXXX tax office given by the agent. By XX/XX/XXXX, I had not received any further contact from SLS as required by the 5-business day window for acknowledgement of a QWR. By XX/XX/XXXX, I still had not received any contact from SLS despite it being 20 business days from the date of my QWR. I was still receiving bills from the county tax assessor and my taxes were listed as delinquent. On XX/XX/XXXX, I called SLS and was told by the agent that they had received my QWR and had an open ticket in their system for the issue. She assured me I would receive an explanation by mail on XX/XX/XXXX. By XX/XX/XXXX, I had not received any correspondence from SLS. By XX/XX/XXXX, it had been 6 weeks since SLS first promised to resolve this issue. Due to the advanced state of delinquency and SLS ' failure to resolve my issue, contact me in any way, or issue their legally-required response to a qualified written request under Section 6 of Real Estate Settlement Procedures Act ( RESPA ), I sent a demand letter outlining my complaints and requesting the full amount of property taxes due, which was now inflated by XXXX dollars due to penalties and interest. By XX/XX/XXXX, I received my first and currently only response from SLS which stated that they were looking into my issue but did not give me any resolution or a timeframe to a resolution. On XX/XX/XXXX, I paid the full amount of my delinquent property taxes myself to avoid incurring any more penalties. I intend to file suit against SLS for their egregious mishandling of my mortgage despite reaching out several times to them and trying to reach an amicable resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84057
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2017-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. Thank You
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: 2017-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since XXXX XX/XX/XXXX with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( XXXX ID # XXXX ) keeps giving me incorrect information when I speak to her on the phone, and on numerous occations I receive incorrect correspondance from SLS. I receive similar treatment from SLS as alleged in the class action lawsuit filed in California in XXXX XX/XX/XXXX-Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their application was missing information that had already been provided on numerous occasions ( SLS never called me about missing documents, I always had to initiate phone calls to SLS to receive any information that would speed along the process. 1. In XXXX XXXX SLS asked for a title policy and I said I did not have one from 20 years ago and it appears the title company may be out of business ; another bank told me the banks have the policy not the borrowers. ( 2 ) Then SLS told me my first mortgage had never been discharged and SLS could not do anything until it was discharged. It turned out that this mortgage had been discharged in XXXX. I sent SLS the mortgage discharge certificate which I easily found on the public web site XXXX. Then SLS told me I needed the 2nd mortgage ( by XXXX ) discharged-again I sent them the discharge notice from the same public web site. Now SLS is asking me for the title policy again and I told them I do n't have it. The phone clerk XXXX said she will see what to do and tell me in 7 days-the answer should really only take a day at most ( again stalling ) Stalling the resolution of this process cost me lots of time and needless money-electric, heating, snowploying and insurance costs. Remember this house has been completely empty and ready to give up for 6 months. Remember, As currently alledged in the California class lawsuit, it is alledged SLS violated U.S. Consumer Financial Protection Bureau new guidelines regarding modification guidelines-as is happening in my case.If needed I have every bit of documentation and they supposedly taped every phone call of which there were many, all initiated by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2017-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No