Date Received: 2017-02-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. XXXX XXXX XXXX P : XXXX F : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2017-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. We need answers. Can someone please review our initial mortgage?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchase a home for {$560000.00}, I hired a law firm to assist with a loan modificaftion, I entered into the contract and paid {$1200.00}, to start and XXXX a month for almost two years. T servicer is illegally selling my home, Specialized Loan Servicing, paid the law firm {$2800.00}, to turn the paperwork and over the account to them. and SLS set a sales date of XX/XX/2017 and mailed a letter to me, on XX/XX/2017, stating they could n't reveiw the file for a modification, becuase it was less than 30 day to the sale. I have been paying the law for for 2 years. SLS is also not the creditor, but a accounting service for the lender and ca n't force a sal of a property, if they are n't the owner of the debt and/or interset in the property. Both SLS and The law firm, comspired together to undermind my interest in the property and to steal, the property from under my ownweship. Racketeering and Fraud, Theft, etc. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. Specialized Loan Servicing XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage loan was transferred to XXXX. During the time my loan was with XXXX, they made no real attempt or good faith effort in trying to help me make continue where I left off with XXXX. I paid XXXX over {$7000.00} ( PITI ) during the trial period. I even made two ( 2 ) additional payments because the trial was three ( 3 ) months as I made a total of five ( 5 ) payments. I sent the requested documents for a modification to XXXX several times as the representatives would say they did not get them, which I do n't understand because they were uploaded on the website. Once they finally offered a modification it was an interest only mortgage which I did not think was fair or reasonable. All I wanted was to keep the plan I previously had, approved through the XXXX program and then approved by XXXX of {$1400.00} ( PITI ). I mailed a payment of {$1400.00} and waited for someone to post my payment and it never got posted. I called XXXX and spoke with a representative and he claimed they did not get my payment, even though I mailed it to the address provided by them. Shortly after that, the mortgage was then assigned to Specialized Loan Servicing ( SLS ), without any notification from XXXX. I received a packet from SLS asking me to tell them what my balance was. I thought this to be very strange. I started to get really suspicious and began to review all my documents and letters from XXXX. In my discovery I found dates that did not make sense and I also discovered other things to be discussed with a CFPB representative and uploaded. SLS has now violated the rules issued by CFPB of " No Surprises '', SLS did not send me one bank statement and I did not hear from them for an entire year. When I was doing my research, coupled with the fact the XXXX was still filing motions in the Court further increasing my suspicion on this whole situation of " who has interest '' in the note. XXXX was filing motions and foreclosure when supposedly SLS owned the loan at the time ; this was very upsetting and confusing. Now, for the additional violations of SLS they, out of nowhere filed a motion joining the 2015 filings of XXXX, trying to make the process of foreclosure faster, all without any notification to me and without the offering of assistance. Who is this organization? Now, there is a class action lawsuit against. I have uploaded the documents files by SLS and the assignment. Please keep these documents.
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: 2017-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-02-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2017-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-04
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I received a notice from XXXX on XX/XX/2017 stating that my loan was being transferred to a new servicer as of XX/XX/2017 and that they would no longer accept any payments after XX/XX/2017. XXXX did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within XXXX days after the XX/XX/2017.I called again on XX/XX/2017 was told information has not yet fully uploaded into their system I was told not to worry because no late charges or negative reporting would be reported to the credit bureau during this phase my house payment is due on the first of every month I told this to the representative that I spoke with. I was in the midst of refinancing with another lender prior to my mortgage being transferred and had received a payoff from XXXX XXXX, now the company that I am refinancing are asking for a new payoff from Specialized Loan Servicing LLC who are telling me that they can not pass that information to the mortgage company that I am refinancing with because they do not have the information in their system yet, which is keeping from closing on my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37221
Submitted Via: Web
Date Sent: 2017-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SLS Mortgage Company has issued an incorrect XXXX the interest stated is 50 % less than what was payed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Specialized Loan Services, XXXX. Purchased/acquired my mortgage loan, and from XX/XX/XXXX, and XX/XX/XXXX ; I had sent payments on the amount of {$470.00}, However on XX/XX/XXXX they will raise my mortgage payment to {$480.00}, they increase my payment XXXX dollar per year. I could use these on my XXXX dollars {$8.00} on laundry machines ; and to pay {$40.00} co-payment with my Endocrinologist. I have not received SLS Mortgage interest statement and or my property tax bill paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2017-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No