Date Received: 2016-12-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I sent a Request for Information under RESPA to XXXX, and to Specialized Loan Servicing , LLC. Neither XXXX nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named XXXX XXXX at XXXX XXXX whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. XXXX XXXX should be banned from the financial industry for his de facto abuse of a XXXX Veteran. Please stop any foreclosure while Specialized Loan Servicing LLC and XXXX XXXX respond to my demand for RFI. The above notwithstanding, I am applying for a modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2016-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2016-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SLS purchased the servicing of my mortgage from XXXX at the beignning of XX/XX/2016. They sent me notification of the change. I registered as a new customer on the website. I started getting robocalls from them saying register on the site. NO message other than to register. ON the website no messages. When I tried to call they do not answer but put you on voicemail. Then I get a letter saying they are purchasing insurance for me since I do n't have it. I try to get in touch with them and again get in a voicemail loop. They purchased insurance for $ XXXX and when I finally in touch with someone on the phone to say that I had and have had homeowner 's insurnace continuously for the last XXXX years they said ok and sent me a letter saying that the insurance they had ordered had been canceled and my account had been refunded. Then in XX/XX/XXXX they raised my monthly mortgage payment by {$100.00} with no notice ... when I called and called and called and finally got to speak to a person, she said it was because of fluctuations in tax assessment ... I said that 's impossible since I have a tax abatement ... she said she would check. I called and called an called again and another agent said it was because I did n't have exterior insurance and so the escrow to cover the insurance had to be raised. I went through the whole song and dance about being ina condo and exterior insurance being covered by the association. Then she said it was because I did n't have homeowner 's insurance and XXXX had to get it for me. I never had a lapse in insurance coverage. they said it was because I did n't have insurance on the exterior of the building. I registered a complaint here and there was supposed to be an investigation ... this complaint agency just notifies the company and then let 's the company respond with " We need more time. '' After a certain period this bureau just erases the complaint or deactivates it. I saved a pdf of my complaint and it disappeared ... .SLS is buying insurance without due diligence to determine if a homeowner has insurance already, is giving that business to their own business associates, increasing mortgage payments without proper notification, probably targeting older people who are not aware and then creeating an overdue balance that they can later scoop down on and foreclose on ... they are also probably targeting properties in areas in which the values are going up. They do not accept phone calls directly but put you on hold or through a voicemail system and no one returns calls. They have no email address to contact them. The XXXX fax number that they provide is always busy and does not accept faxes XXXX I tried to send a fax documenting the insurance XXXX and it did not go through ). This company is scamming people. They were supposed to do a stats analysis of my escrow account ... but they have not credited my account with the $ XXXX charge for insurance but factored that into my escrow and now my mortgage payment has increased to {$30.00} more than then original fee. They are crooks. I want my mortgage amount back to the original amount agreed on.
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: 2016-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is to inform you that SLS is charging me fees that are not mentioned on modification agreement, attached you will find statement from XXXX showing amount we agreed to, I understand that scow amounts can change every year, but a month later they sent a statement showing a different amount than he had agreed to. please find attached, modification agreement sign by both parties, XXXX statement, and XXXX statement showing different amount. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2016-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-10
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I HAVE BEEN UNABLE TO GET THE ANSWER TO A SIMPLE REQUEST AND HAVING RECIPIENT CHANGE THE PRIOR REQUEST TO AVOID ANSWERING. I WOULD LIKE THIS TO SERVE AS A QWR-QUALIFIED WRITTEN REQUEST TO ADDRESS THE ERRORS IN THE AGREEMENT AND DISCLOUSURE STATEMENT BEARING THE BLANK ENDORSEMENT OF XXXX XXXX XXXX. I RECEIVED A COPY OF THIS ENDORSED IN BLANK DOCUMENT RECENTLY AND ASKED FOR THE TIME THAT SPECIALIZED LOAN SERVICING CAME INTO POSSESSION OF IT. THE RESPONSE WAS DENIED AS WELL AS CHANGED IN NATURE OF ACTUAL REQUEST. IF THIS IS MY ALLEDGED LOAN DOCUMENT I AM ENTITLED TO INFORMATION CONCERNING IT.
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: 2016-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the home, SLS assigned a new SPOC, but the home was sold prior to initiating a discussion with this person. I submitted all required information to SLS to support the loss mitigation process and was told that I would be informed of the decision. This was never done. To date, no decision was reached regarding the loss mitigation evaluation process and I told that the loss mitigation request was in review and no decision was made. Prior to the sale of the home, the lender, XXXX, was working with a local law firm to sell the home and kept issuing new documents that the foreclosure sale would occur on a particular date while the customer service division of SLS was working with me on a loss mitigation plan to avoid the foreclosure sale. I believe this process is called " dual tracking '' and is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-09
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We had a Home Equity Line of Credit with XXXX XXXX. XXXX XXXX sold the loan to SLS - Specialized Loan Servicing LLC. The loan was to mature in XXXX 2016. We received a letter to that effect giving a 90 Day Notice. We contacted SLS to ask what needed to be done to apply for a Loan Modification. We filled out all required forms and sent all requested documentation dated XXXX/XXXX/2016. Time went by hearing nothing. Finally I phoned. SLS informed me I would be receiving a letter stating the missing documents they needed. I did receive the letter dated XXXX/XXXX/2016. It stated " Documents still required from you : '' Which was for " XXXX XXXX XXXX - Income Type - Income- Employed / Required Documentation - Paystubs XXXX OR- Paystubs and Tax/Returns/Tax Transcripts. '' The rest of the letter showed " Document Status : '' of which all the rest of the Documents submitted were shown to be " Complete '' under " Status '' column and under the " Next Step '' column was shown " No action needed ''. I faxed to them the requested documents ASAP. Time went by again, hearing nothing. I then phoned - again. They informed me they now needed more recent bank statements, of which were shown initially as " Complete '', Retirement - Proof of Receipt which was also shown in XXXX/XXXX/16 letter as " Complete '', and Social Security - Proof of Receipt, which was also shown in XXXX/XXXX/16 letter as " Complete ''. I again faxed this information to them XXXX/XXXX/2016. I continued to hear nothing. I phoned XXXX/XXXX/16. SLS again asked for Retirement information. I told them this was sent and I felt they were dragging this Loan Modification application out and someone did not know what they were doing. The SLS agent then informed me there was nothing they could do anyway because this loan is now " matured and due ''. I stated " what do you think I am doing all this paperwork for?! I am doing this because you people instructed me to complete the paperwork and send all documentation for the purpose of a Loan Modification because of a change in our financial situation and we are unable to pay the balance owed on this loan at this time. Therefore, at the time we received the 90 day notice, we contacted SLS to see what steps could be taken due to being unable to pay the balance because of a fire and financial changes to our lives. We feel there is something radically wrong here with this company in the way they are processing Loan Modifications. There is certainly something wrong in the way they are processing ours. I finally did some research and found there is complaint after complaint as well as a Class Action Suit in XXXX Can you please help us. We are Senior Citizens and do not know where else to turn to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2016-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: specialized loan servicing has not reported my payment activity since XXXX 2016 on my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2016-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to be made from XXXX XXXX to XXXX XXXX when their online payment option was actually working. The error message merely stated that it was " unavailable ''. Even when you call SLS to make a payment over the phone, they automatically refer you to their party vendor. How can XXXX XXXX XXXX be allowed to service-transfer their loans to a servicer who has such an inadequate payment option available - you ca n't even schedule a payment for a future date - only the date you actually find the online payment option available and working. XXXX 's payment was made on XXXX XXXX and a confirmation was received. Then on Saturday, XXXX XXXX, I receive a letter from SLS dated XXXX/XXXX/XXXX but not postmarked until XXXX/XXXX/XXXX and no received until XXXX/XXXX/XXXX. This totally antiquated and insufficient handling of payments has damaged my credit over and over again and now I am told I have to submit a cashiers ' check for the payment when it was their error that they did n't collect the funds on the XXXX of XXXX. How can this servicer be allowed to handle mortgage payments in such a manner?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2016-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-05
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My real estate property tax was not paid by either mortgage company, Specialize Loan Services ( OLD Acct # XXXX ) or XXXX XXXX XXXX ( NEW Acct. # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XXXX XXXX XXXX XXXX, 2016. My mortgage was transferred XXXX XXXX, 2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to XXXX XXXX XXXX. Neither mortgage company paid the property taxes. My last Specialize Loan Svcs annual escrow statement shows a payment of {$410.00} paid out but to whom? Specialize Loan Service or XXXX XXXX XXXX has to pay the taxes out of the escrow. The mortgage payments I made included the Property tax payments already. Where did that money go? I called Specialize Services Tax Dept. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called XXXX XXXX XXXX and was told to call Specialize Services. I am given the run around. Please make them pay my NYS Property tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) TRANSFERED TO XXXX XXXX XXXX ( New Acct # XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11691
Submitted Via: Web
Date Sent: 2017-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No