Date Received: 2016-09-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been trying to work with Specialized Loan Servicing company since XX/XX/XXXX on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. Last Monday XX/XX/XXXX i called XXXX who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times i had called. So i lost my cool from being frsutrated and overwhelmed for not getting the help i was asking for and for the process taking for ever before a resoulution is found. After i sent my papers last Friday XX/XX/XXXX i walled again this Monday XXXX and i left a message for that same person to call me back and she never did. So i called the help line and i was told the papers didnt download yet so i thought maye thats why i was not called back. So this morning i called again and left a message to be called back and no one called me yet and it has been 4 hours. In the past it would only take 20min for the call back. I have not paid in 4 months. I am very concerned about loosing my house, time is being waisted and no one seems to care. I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX I took a 1st & 2nd loan with XXXX. I paid both off, Deed of Reconveyance was filed on first on XXXX/XXXX/XXXX. XXXX transposed XXXX numbers in the recording number to me, plus the XXXX County Auditors miss filed the Deed of Reconveyance for almost 2 years. During this time XXXX demanded payments, after getting bad legal advice I made payments to them ~ 2 years, until they got proof my loan was paid off & had a full accounting of the loan. Litigation followed, XXXX could not produce a full accounting of the loan or provide proof they were the note holder. They abandoned their collection efforts & refused to refund my {$120000.00}. Than XXXX XXXX XXXX did the same things. Once again litigation followed & they could not prove they were the note holder & could not produce a full accounting of the loan from it 's inception either. I refused to make any payments to them. They too abandoned their collection efforts. Now in XXXX XXXX, XXXX illegally acting as a trustee for a make believe trust called : XXXX XXXX ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX, ( XXXX XXXX ). This was delisted on XXXX/XXXX/XXXX. See XXXX Also in XXXX XXXX, XXXX did a illegal Assignment of Deed to Trust to Wells as the trustee for XXXX XXXX & the address they used : XXXX, SC XXXX has been another business for 20 years! The trustee who is acting on XXXX behalf, is : XXXX, WA XXXX. Phone : XXXX. Washington : XXXX California : XXXX Nevada : XXXX filed an illegal Notice of Trustee Sale ( NTS ) on my chain of title on XXXX/XXXX/XXXX. He violating the Deeds of Trust Act in Washington, XXXX XXXX by NOT validating that it was a true debt, by NOT serving pre forclusre statements & by NOT serving a Notice of Default. I immediately sent a Cease & Desist and a 10 day Demand for Debt Validation, this is also a Qualified Written Request, ( QWR ) under and I Fully Dispute said debt under : 1 ) Real Estate Settlement Procedures Act, ( RESPA ) 12 USC Chapter 27, section 2605 ( e ) ( 1 ) ( B ). 2 ) Fair Debt Collection Practice Act, ( FDCPA ) 15 USC Chapter 41, section 1692g ( a ) ( 4 ) ( 5 ) & ( b ). And I demanded Presentment under the UCC to see the original note. Therefore ; I demand a PRESENTMENT AND VALIDATION of the original Note & debt in person within 10 days of your earliest receipt of this Demand letter/ QWR, per U.C.C. , RCW XXXX, Presentment. Id, ( 2 ) ( i ) is very clear, you must exhibit original instrument to me. Also under the U.C.C., RCW 62A.9A-406 ( 3 ) ( C ) ( c ) Proof of Assignment. You must clearly show the full privity and each assignment from XXXX to XXXX XXXX. Failure to do so allows me to as the " alleged account debtor '' to DISCHARGE " my obligation '' and pay the true assignor. " IF '' any debt truly exists! Within this presentment, I demand to see proof of all assignments of said note, with full privity from XXXX to XXXX XXXX, along with any alonges to note as well, under Id. Also I demand a certified true copy of said note with a proper Deceleration of it 's authenticity per the FRCP of the note and any alonges as well. Along with a full accounting of ALL money transactions on said note including any monies ( considerations ) in the purchase and transfers of said Note and Deed of Trust to all parities in privity. This was sent to XXXX XXXX and XXXX. Both ignored. XXXX & Specialized Loan Servicing ( SLS ) are continuing with this illegal foreclosure. SLS # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by XXXX/XXXX/16, I met the deadline by mailing in the documents before the date on XXXX/XXXX/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on XXXX/XXXX/16, to the point of contact I was given. When I got through to him to discuss the application, he told me that the documents were not received & that only a limited number of pages could be accepted via fax or email. This was not indicated in the package, where the acceptable methods to submit documents are explained. He told me my review was closed. He said SLS would reopen my review & likely reassign him. In the meantime, he asked that I submit updated documents. I submitted the documents. I then received a letter dated XXXX/XXXX/16, indicating that the initial submission was received and requesting additional documents by XXXX/XXXX/16. I know this is confusing, basically SLS said they did not receive documents by XXXX/XXXX/16, however sent me a letter indicating that they did. I was given the wrong information. I was gathering the additional requested documents, again & at the same time just received a Notice of Sale date for XXXX/XXXX/16. I have followed all of the requests by SLS, yet while working on my modification I was given a sale date notice less than a month away. I have a difficult time getting through, I have updated my number several times and they still have the wrong information. I am told different things via mail and on the phone. I am now worried that I am not getting a fair chance at a review, and have incurred more fees associated with the foreclosure. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2016-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been dealing with Specialized Loan Servicing for a number of years when XXXX XXXX XXXX transferred my loan to SLS. I was trying to get a loan modification from B of A when they transferred my loan to them. I dealt with SLS for over 15 months, submitting the same documents over and over before finally getting a modification. Although I feel I qualified for a government loan program to help me in a time when I was dealing with a work-related injury, they offered me an adjustable rate mortgage. I was so tired of dealing with them, I took the ARM. I have not recovered form my financial issues and I have been trying to qualify for a modification through a government program. My loan payment has increased {$500.00} in the last 6 months. I was denied a modification due to not completing their process of submitting new paperwork every 30 days and started the modification process again. I have been submitting applications and paperwork for the past 12 months and SLS keeps requesting more documentation and information from me. The latest issue is when I refused to submit bank statements from my boyfriend who lives with me and contributes to my household. I do n't feel it is necessary to submit his bank statements since he is not being added to the loan. I have submitted his pay check stubs and they ran his credit and they were still requesting bank statements. I resubmitted a new application with my boyfriend as a renter. That was on XXXX XXXX, 2016, they said they had everything they needed to submit it to underwriting. I called them on XXXX XXXX, 2016 because they robo called me to say they needed to talk to me. I called them and they said they have everything they need and they would submit it to underwriting. I said that I submitted everything over a month ago and no one has asked for any other paperwork, why did n't it get submitted a month ago. The representative said she did n't know why it was n't submitted but it was now being submitted. I called XXXX XXXX XXXX to ask what I should do about the fact that they had n't submitted it a month ago and the rep said she would call them and find out that information. When we called them back together, the SLS rep said they were missing a tax document that was filled out incorrectly. I told them I filled it out months ago accurately and he said, " Oh, I see that you did resubmit it they right way. '' I said that was months ago. He said he had everything he needed and he would be submitting it to underwriting. I asked why it had n't been submitted to underwriting before XXXX XXXX, 2016. He stated that they did n't have all of the correct paperwork to submit it and I reminded him that I actually did have all of the paperwork submitted. He said that as of XXXX XXXX, 2016 they had all of the correct paperwork ( even though I faxed it on XXXX XXXX ). I asked why it was n't submitted for review on XXXX XXXX then? He said he was submitting it the day I called which was XXXX XXXX. I contacted the escalation department for XXXX and they started an escalation on Monday XXXX XXXX. I checked my email today, XXXX XXXX and there was a message from SLS stating that they needed 2 months bank statements from my contributor. I called XXXX to record the call and I told SLS that I filled out a whole new application and submitted it on XXXX XXXX with no contributor and my boyfriend listed as a renter. The rep said she would submit a letter to underwriting for this. I am completely frustrated and disgusted with the way SLS has handled this modification and all of the modification attempts before this. There are so many complaints against this organization and it is extremely disturbing that the government has n't done something about this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91739
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We are behind on our mortgage payments and are working with a lawyer. SLS ( Specialized Loan Servicing ) keeps calling my XXXX year old mother and is upsetting her. They ask her for my phone number and keep calling her
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2016-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: when paying my mortgage i call and pay over the phone the mortgage company all way harerass me. by say that i am later or i miss a payment an they keep on .this has been gone on for a year and just are try to make say taht i miss a payment they get mad then i dont say taht miss a payment or later i dont what to do iam trying to pay my mortgage that is all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have XXXX portfolio loans that were sold to SLS from XXXX. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held XXXX of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my check to post it to my account and mailed me out statements telling me I owe late fees and that I am now behind in my mortgage. As a real estate investor and property owner of many properties and rentals for nearly 40 years, I have never had issues with a lending or servicing institution such as this. I mailed in my XXXX payments on all XXXX of my loans serviced by SLS again SLS has held those checks, cashed them and waited until after the late fee date to apply the payments. My late fee date is XXXX XXXX, my checks were mailed on XXXX XXXX and cleared my bank on XXXX XXXX, yet SLS processed late fee statements to me on XXXX, XXXX, still not posting my payments. I have called SLS and after much, much and more run around on a phone system that does n't work well, I got in-touch with an operator, I was refused when asked to speak to a supervisor and was given a verbal confrontation by the operator about I did n't mail in my checks. What can you do to help me with this alleged fraud at this company?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am really concerned and honestly afraid. My loan was recently sold to SLS Mortgage - Specialized Loan Servicing from XXXX XXXX XXXX. My monthly payments are {$1400.00} a month. My principal balance was XXXX on XX/XX/2016 I made an {$8000.00} payment and asked that the rest be put towards the principal. Today XX/XX/XXXX I went to look at the transaction history and it is a mess and says I owe XXXX and that they did receive and cash my payment. Please help. I called today and spoke to someone that wrote a note I the system so that I can be fixed and the guy was nice but so unprofessional. he used words like a, da, bummer. I have also never received a statement and I told the person as well and he was like a ok what kind of statement. I asked to speak to a supervisor and no supervisor. Please help, is t his a legit business?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2016-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-23
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: SLS took over loan from company XXXX. all payments are up to date and have been completed as scheduled and on time. Company SLS has been calling claiming that they have not received the XXXX payment. I have sent proof that payment was made and have also had my rep from XXXX bank send copies of proof of payment as well as documentation of the wire transfer. SLS continues to call and harass as well as asking if there phone call was being recorded. They SLS stated that a XXXX way call was required with XXXX bank, SLS, and XXXX, this call was completed and all were in agreement that payment had been made. after a few days SLS started calling again wanting payment for XXXX and claiming that the XXXX way call never happened, and or information was lost. XXXX Bank has repeatedly called on my behalf and provided proof that Payment was completed to no avail, I believe the company SLS is trying to scam myself out of more payments as well as bogus late fees which are negative to my credit rating. Explained to Rep from SLS that I will take legal action. rep from SLS said go ahead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45417
Submitted Via: Web
Date Sent: 2016-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-22
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am very frustrated with SLS they dont want to offer me principle forgiveness, even though my loan is eligible. I had to pay for the for a new appraisal because SLS was stating my home is not worth {$230000.00} after paying for the appraisal my house was worth {$35000.00} only. However ; now they have increase the value purposely for their own benefit. This needs to stop I have tried to work directly with SLS. But unfortunately they keep making me re-apply. All I want is a fair review, I am tired of all the fraudulent claims SLS is using against me to prolong my loan, making me fall more behind. I am an elderly men and my family is helping me to contribute towards my household. SLS has all the proof of my current income which is {$XXXX}. My monthly expenses are {$2000.00} includes my monthly mortgage payment and utility bills. However SLS still stated I dont have enough for an affordable mortgage even though, I have a {$300.00} surplus. Like I have mention my home is severely under water and is only worth {$35000.00}. But SLS keeps changing the value for there benefit. I am tired all I want is fair review and to keep my house. I can not help but to think that SLS engages in fraudulent and deceptive practices during a modification review.
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: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No