Date Received: 2017-02-16
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am working with SLS and trying to get approved for a short sale. They are requiring my Real Estate Broker and Escrow Office to show a credit to them for proceeds received at the close of escrow in an impossible manner. My Real Estate Broker has tried to resolve the issue with their management but to no avail. If this short sale is not approved, the only other option available is foreclosure and I want to exhaust all avenues before that happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Wells Fargo NA as a trustee with XXXX XXXX XXXX XXXX foreclosed and won a final judgment on our home when 1 ) there was NO LIEN on our property description and 2 ) under a false fabricated trust which the Securities and Exchange Commission confirmed does not exist which is Certificateholders of Master Asset Backed Securities Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. The case was initiated by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX County Florida case # XXXX against XXXX and XXXX XXXX. XXXX XXXX XXXX Firm abandoned the case and XXXX XXXX XXXX firm took it upon themselves to continue the lawsuit in XXXX. They are a very aggressive, unscrupulous law firm that submitted fabricated fraudulent evidence and a robowitness that testified he was there for XXXX until their lawyer XXXX XXXX showed him the final Judgment paperwork to recite. This was at the very beginning of the trial! XXXX XXXX XXXX provided the witness for trial. They sent us a XXXX IRS form, XXXX XXXX, stating that THEY were the lender with false figures and a fabricated loan number. XXXX XXXX they sent a real estate representative to strong arm us with paperwork and threats that we need to have a backup plan and we need to get out now! We believe they also hired attorneys from XXXX XXXX XXXX located in XXXX XXXX Florida to also threaten us to leave. We reopened the case when we finally figured out there was no Lien and confirmed with the Securities and Exchange Commission that the trust did not exist. We have put in an Emergency Motion to Vacate and are anticipating a Writ of Possession from unauthorized companies and people. Now we even have doubts that XXXX XXXX were authorized to pursue the wrongful foreclosure. My husband has been XXXX 5 times since XXXX in which he almost XXXX. We are constantly on watch because of the aggressive picture takers ( inspectors ) that would show up in front of our property violating our First Amendement privacy as well as USC 15 Section 1692 ( d ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have been advertising our home for foreclosure sale on XXXX and XXXX Today since the case started. I kept records of the phone calls from XXXX XXXX XXXX ( pretending to be a servicer ) where they would call up to six times a day. We are on alert and check the case status register several times a day awaiting the Writ of Possession which we will also ask the court for a stay so we may explain our motion to vacate the final Judgment. We spent {$20000.00} on attorneys that basically did as little as possible to continue getting paid. The attorney we had for the NonJury Trial told us not to show up at court and never defended us. He let XXXX XXXX submit fraudulent manufactured evidence as well as fake witnesses. We are still occupying our home but we are prepared to leave at any time if they put in a Writ of Possession but even if we leave we will continue to pursue Justice to have our home put back in our name and ownership. Thank you for your time and help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32901
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.
Company Response:
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : XXXX
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: 2017-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-13
Issue: Settlement process and costs
Subissue:
Consumer Complaint: This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!
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: 2017-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-11
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Cancelled debt but failed to reconvey the lien.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX, I am XXXX years old and XXXX. My wife a banded our home on or about XX/XX/XXXX. She told me that I was a good man, she did not love me. She told the new dinning room set, new bedroom set, new living room set, our new flat screen TV, and the XXXX Truck which was a gift from her and my children and left me. On XX/XX/XXXX I applied for a divorce with Legal Aide. They help me to reply to her attorney 's request : I want the house, half of her retirement from XXXX, and half of her retirement from XXXX XXXX XXXX. I did not make a mortgage payments for XX/XX/XXXX and XX/XX/XXXX, because I had to pay attorney the Law Office of XXXX XXXX XXXX due to Legal Aide not being able to help me due to no funds being available. XXXX XXXX XXXX had been my mortgage company for about 30 years, I made payment from my XXXX XXXX XXXX checking account. My nightmare began not being able to pay the XXXX XXXX School Taxes. When I went to make payment on XX/XX/XXXX for the amount of {$640.00} I was informed by the XXXX Tax Office clerk the balance had been paid in full already, I asked her who paid for them I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. You have to request the money we gave you credit for being approved because of your XXXX. On XX/XX/XXXX I went to XXXX XXXX XXXX, their representative called the XXXX, I spoke with their mortgage representative who told me I a made the payment of {$640.00} before XX/XX/XXXX they would not make the Escrow Tax account and my payments would continue to be my regular monthly payments of {$640.00} per month. XXXX XXXX XXXX made an automatic payment to the mortgage account XXXX instead to the escrow tax account, because of this error XXXX XXXX XXXX made an escrow account for 5 years. I had only 3 years to finish paying my mortgage and due to the unethical error made by the automatic payment applied to the mortgage loan payment instead of the escrow tax payment XXXX XXXX XXXX increase my contractual remaining term to 5 years and 8 months, and it increased my mortgage payment from {$640.00} to 1 payment of {$850.00} w paid in XX/XX/XXXX and my new monthly payments starting XX/XX/XXXX would be {$780.00} per month. On XX/XX/XXXX I went to pay my mortgage payment for {$780.00} and I was told by the teller my account had been sold to another company. I was to speak with a XXXX XXXX XXXX representative. I was told I would have to contact SLS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to make the payment. I got home and called the 3 times that day and a representative answered and call was disconnected each time. A week later I received a letter stating that XXXX XXXX XXXX has been transferred, effective XX/XX/XXXX to a new servicer, will be collecting my mortgage loan payments. No other term of your note and mortgage will change. I received a bill for XXXX which has to be paid in full. My monthly payment or {$1100.00} per month. Yesterday someone from the mortgage company came to take pictures. My house is for for closer. Please Help Me Save My House! Thank you, XXXX XXXX Cell # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78550
Submitted Via: Web
Date Sent: 2017-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2017-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. Sincerely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40272
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2017-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No