Date Received: 2016-12-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I lost my work do to closing all the XXXX campuse I am having difficaulty with my mortgage therefore I am trying to get help from keeping home California they requested monthly statement for my mortgage and the servicer refuse to send them to me I have been in contact with them since XX/XX/2016 and they first told me they will fax it within a 2 hour then I called them XXXX and they said its in a process it takes 48 hour to 3 days I called them on XXXX and requested to speak to a supervisor and I have been told the supervisor will call me and nothing happened I was receiving statement from previous servicer and this new servicer are damaging my getting help from keep home California they refuse cooaperating with me. please help me I have lots of health problem I do n't want loosing my home on top of my difficault time. Thank you XXXX / XXXX
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: 2016-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-23
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with XXXX. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stating that all my documents need to be in before XX/XX/2016. If not my file will be close, I belive SLS is doing everything in their power to deny my loan once again for any assistance. I am in desperate need of assistance I am fighting to stay in my house.I have summited a letter from my bank XXXX explaning the reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2016-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Lender failed to discharge the mortgage after it was paid off more than a year ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 054XX
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We got too many modifications and we got a notice of for XX/XX/2016 is {$1000.00} we have XXXX days to pay for the default by XX/XX/2016 .we were dealing with XXXX from specialized loan servicing, our a point of contact was XXXX XXXX customer XXXX department .back in XX/XX/XXXX I went to XXXX on a short notice because the doctors have given my sister XXXX months to live and at that time we were going through a modification I got a phone call from my husband and he told me miss XXXX said we did n't have to make the XX/XX/XXXX trial payment so my husband did not make XX/XX/XXXX trial payment then we got a letter from specialized loan servicing saying we had until XX/XX/2016 of {$1000.00} otherwise we will be foreclosed.Also they told us Miss XXXX is n't our point XXXX contact anymore.We would like to know why so many modifications? Also XXXX Bank is our third XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our account was just transferred to another servicer. From XXXX to SLS. All of the documents requested by XXXX was submitted. They had a complete modification package according to the representative assigned to our account. We had no idea our loan serving had changed until we received the letter. SLS sent us a letter of denial for a loan modification that they did not process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Specialized Loan Services repeatedly denies my application for mortgage assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have a mortgage with XXXX XXXX. I had it set up to make automatic payments. XXXX, changed their processor to SLS ( Specialized loan servicing, XXXX ). I contacted this company when my normal payment was not withdrawn. The representative told me that I did not have to make a payment until XX/XX/XXXX. I told them I did not want to accrue interest until then with no payment. I then proceeded to call back as instructed to set up the automatic payments. When a couple of weeks later I received an email stating that the could not find my bank account. Also a letter telling me I was delinquent. ( this all started in XX/XX/XXXX ). Again I verified all my account info and assumed it would work. No such luck again the same process. I called again only to receive another pair of letters. Another call and again the same thing. I called yet again and talked to a person named XXXX, that seemed to know what she was doing, she assured me this would not go on my credit report and investigated the failure to withdraw money from my account. I had been instructed previously to contact my bank as to why and my bank said all the info was correct and the withdrawal would only show account not found if it had been submitted as a savings withdrawal. XXXX said indeed it had been submitted as savings even though in every previous call I had been adamant that it was a checking account. She told me she would call me if there was a problem. This company also records all calls! Well yesterday, XX/XX/XXXX I received a letter stating my mortgage was delinquent ... no for me not trying. I was also told at one point that they use " XXXX XXXX '' for their transactions and did n't take a check. I am beyond frustrated with this company and I have all three payments, XXXX, XXXX, and XXXX in my account and yet another letter making me feel like a deadbeat for nothing that is or has been my fault. I think this company is doing this to accrue interest and cause people grief. A business that ca n't process a simple on line payment that I have never had an issue with can only be interested in their bottom line and nothing else. I told them the last time I called I am going to pay the loan off just to get rid of their poor customer service and threats with no basis letters in XXXX, but I am afraid I will never be able to manage as they can not seem to process a simple transaction. Please help me! I am sure this will also help others as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-17
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: using and relying on false documents. The company will not verify the loan after numerous request they rely on the document that is fraudulent. And that what they keep send over and over and they already have been told that this document is false information.
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: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for XXXX XXXX mortgage on XXXX XXXX. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today XXXX XXXX I was told that I need to resubmit a XXXX page application all over again when it was already submitted on Novemmber XXXX. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the status of my request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan servicing was transferred from XXXX to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in XXXX 2010. This BK included XXXX mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow increase occurs on the account. It does not seem right that that SLS can leave it 's customers in the dark and give them a death wish on keeping up with changes on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84124
Submitted Via: Web
Date Sent: 2016-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes