Date Received: 2016-09-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage lender of less than 5 months, Specialized Loan Servicing ( SLS ) filed a NOS on my property. They approved me for a loan modification and did not allow me the timeframe needed to complete the approval process before they filed a sale date of XXXX/XXXX/16 on my home!! The minute I told them I was working with KEEP YOUR HOME CA, they escalated their sense of urgency to foreclose on my property. I was given 3 weeks notice they are going to sell my home on XXXX/XXXX/16. They refused to postpone the sale date to allow KYHCA to process the payment to them that will reinstate my mortgage loan balance and allow me and my XXXX kids to stay in our home. THE SITUATION WAS MANUFACTURED INTENTIONALLY!!!! There is no reason for SLS to foreclose on my home! I experienced a brief financial hardship. the financial hardship is over. My job is strong and my income is strong. THIS IS ALL ABOUT THE GREED OF A BANK WHO IS TRYING TO CIRCUMVENT THE VERY PROCESS DESIGNED TO HELP HOMEOWNERS, ALL IN THE NAME OF GREED. I am approved by KEEP YOUR HOME CA and they refuse to withdraw or postpone the sale date on my home to allow KYHCA to bring the loan current This was absolutely MANUFACTURED! And CRIMINAL BETWEEN XXXX XXXX XXXX AND SPECIALIZED LOAN SERVICING! Only a bottom feeder purchases loans in a delinquent status. Because they smell PROFIT! My loan is owned by XXXX XXXX and there is more than {$200000.00} equity in my home. Please stop another greedy bank from profiting off the backs of a single mother and her XXXX children. This is our home of the past 17 years! Please contact this bank and help me and my children keep our home. SPECIALIZED LOAN SERVICING XXXX, CO XXXX XXXX p XXXX f XXXXXXXXXXXX Please call me anytime at XXXX Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX LOAN NO XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Specialized Loan Servicing was not able to provide a mortgage assignment to enable me to refinance within 2 months. Despite daily phone calls, when the company representatives promised to get a status update, the company never gave me an update. Eventually my rate lock was set to expire and I was forced to act without the assignment resulting in my having to pay the mortgage tax on the full amount of my refinance which cost me {$5000.00}. In addition I had set up automatic loan payments which they stopped taking without instruction from me or explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10471
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. Note - Void as it assigns the mortgage from the Originator directly to the Trustee. Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy in XXXX XXXX and the Assignment says the note was assigned in XXXX XXXX, XXXX. 2 years after the company went out of business. Assignment of Note was executed and it states that it was assigned in XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Years Lender & Servicer Abuse-Transferred again to Foreclose-Trail of Fraud, Lender and Servicer Abuse since XXXX directed to miss payments to qualify for loan modification ( like many thousands of homeowners ) still going on! I had found I had ID Theft in XXXX and contacted XXXX Mortgage. XXXX had my loan immediately after original Lender in XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX has been missing from XXXX 's records since my first lawsuit filed in XXXX XXXX. XXXX Denied being responsible party and said I was suing wrong party. Investigations/research has continued since my closing date XXXX XXXX XXXX. Criminal activity continues, additional fraud continues with recorded transfers by XXXX, ( ServiceLink ) making it look like XXXX XXXX XXXX had loan following XXXX XXXX ( this is not true and all my records, property records previously prove there are new transfers that appear in property records that were not there before Sheriff Sale on XXXX/XXXX/XXXX ). I have all records to back up my statements. Default title performed and company hired to correct for the records. I 've picked up property records XXXX XXXX for years prior to changes that have recently past year taken place. I 've hired Property searches, title searches, investigators, audits & reports by several agencies confirm FRAUD, violations of the federal law. All the reports are very similar, confirming exactly why I 'm in this mess fighting-Red Flags everywhere. These entities have continued to move paperwork, transfers, rejected payments, delete records/notes, removed parties, XXXX XXXX now has my property in a individuals name. SLS states payoff clearing XXXX XXXX, XXXX and expires XXXX XXXX, XXXX ( receiving bank XXXX XXXX ). I 've been illegally foreclosed by party that had no rights nor is the NOTE holder. I have investigators XXXX XXXX ) that will confirm it 's all Fraud ... Investors have been cheated as well. Bank caused defaults and trying to XXXX is stated on the assignment with XXXX XXXX XXXX but not until over 4 yrs later transferred and recorded in XXXX. Where is XXXX Mortgage as every rep at XXXX states nothing looks normal in their system, strangest account, missing notes/records before Transferred to SLS. This has also been a scheme for investors. SLS never had all account records from previous servicers to give me true account balance. SLS confirmed they had nothing regarding my loan but only looked like I had not made payment since they received my loan-correct. My loan was placed on hold for years, letters stating since XXXX that they were investigating to research and resolve then let my loan sit, then never resolved or had valid loan. This has become my worse nightmare. I continued to call bank to get update. I was intentionally mislead, transferred to over XXXX reps between XXXX and XXXX XXXX XXXX then repeat with SLS. SLS only was hired to foreclose with inaccurate account records which are not correct amounts. I paid until stopped by XXXX Mortgage. Made all payments under plans ( plans changed and increased with XXXX plans. SLS Missing over 1 yr of payments not applied? They needs attention immediately to STOP their abuse. I 'm fighting because I have all the proof and know what they did to cause all this for years while they would tell me they were helping me resolve and correcting. It 's taken my whole life past 9.5 years. I never gave up after investigating for years with all the proof, audio recordings from every servicer that proves the abuse, and misrepresentation & fraud. Please subpoena XXXX and SLS for my history and you will see that much has been removed deleted from system w/previous servicer. XXXX Mortgage created all pmt plan. I cont 'd to make payments until I was stopped by the bank, rejecting many wire transfers ( money still sits never refunded, nor all applied ). XXXX XXXX confirms it looks very intentional to reject payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We have submitted numerous issues to Specialized Loan Servicing and continue to have complaints joined together with the same responses and not addressing the problems as they are presented. The situation is serious as SLS is illegally demanding a monthly payment in the name of XXXX XXXX XXXX XXXX XXXX XXXX that has no interest or claim to our home. There is no legal document that supports their claim after numerous repeated requests for documentation. We have been provided an alleged XXXX assignment that is a COUNTERFEIT paper signed by XXXX XXXX XXXX employees without XXXX issuance of a Corporate Resolution granting limited authority as signing agents and without XXXX Corporate Seal. This paper violates XXXX requirements for assignments as described in the XXXX Manual. The agreement is not the one signed at closing, You refuse and ignore any effort to allow us to personally view the " ORIGINAL '' agreement you say is kept by the custodian that you repeatedly refuse to identify. XXXX does not have any right to be paid money they have no claim to and you have no right to demand payment for them. The only alleged document that has been provided is a counterfeit paper that was produced to illegally assign interest seven years after the trust has been closed, such a desperate attempt to take my home after the mistaken identity that I filed bankruptcy and I did not. We want to see the " ORIGINAL '' note! what are you hiding?
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: 2016-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: QWR and Debt Validation letters have been sent several times. They did not response according to the law and did not provide certificated and authenticated documentation. In addition foreclosure document fraud by XXXX XXXX as master servicer of XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX. Assignment of Mortgage - Robosigned and robo notarized Assignment of Mortgage - void as it was assigned by XXXX to the Trust Assignment of Mortgage - Void as it was not executed until after 20 days after the filing of the foreclosure complaint. Assignment of Mortgage - Void as it makes reference to a mortgage recorded in XXXX County, Florida at book XXXX and page XXXX. This is not my mortgage. Note - Void as it assigns the mortgage from the Originator directly to the Trustee. Note - Void - Defunct companies can not assign anything when they are defunct. XXXX XXXX XXXX filed bankruptcy XX/XX/XXXX and the Assignment says the note was assigned in XX/XX/XXXX. 2 years after the company went out of business. Assignment of Note was executed and it states that it was assigned in XX/XX/XXXX which is 2 plus years after the closing date of the trust, XXXX XXXX XXXX XXXX XXXX mortgage pass-through certificate, series XXXX ASSIGNMENT OF MORTGAGE AND NOTE ARE VOID - THEY ARE FRAUDULENT DOCUMENTS PREPARED BY XXXX XXXX XXXX TO FILE FORECLOSURE. XXXX XXXX XXXX WAS DISBARRED FOR FRABICATING FORECLOSURE DOCUMENTS XXXX XXXX HAS A MANNUAL FOR ATTORNEYS ON HOW TO FABRICATE DOCUMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2016-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-21
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, XXXX XXXX. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday XXXX XXXX which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the brinks of losing my property because I will not be given a fair chance of having my file reviewed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90065
Submitted Via: Web
Date Sent: 2016-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I provided an updated profit & loss statement to SLS via fax number XXXX and email address XXXXXXXXXXXX on XX/XX/2016, XX/XX/2016 and XX/XX/2016. I also confirmed with a SLS representative via phone that they were in receipt of the enclosed updated profit & loss statement that show my gross monthly income as follows from XX/XX/2016 thru XX/XX/2016. Gross Receipts XXXX TOTAL INCOME XXXX Expenses TOTAL EXPENSES XXXX Net Profit / Loss TOTAL INCOME : XXXX - TOTAL EXPENSES : XXXX = TOTAL MONTHLY NET PROFIT : XXXX Specialized Loan Servicing ( SLS ) violated loss mitigation procedures. SLS knowingly miscalculated my monthly income after being provided with updated financial information via email, phone and fax. SLS used the wrong profit & loss statement. SLS is concealing the fact they had my updated information prior to making a loan modification determination. SLS also ignored my letter of Notice of Error and Requests for Information which was sent via email and fax on XX/XX/2016.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07304
Submitted Via: Web
Date Sent: 2016-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SLS Specialized Loan Servicing, Colorado, does not apply the principal payments I make towards principal but considers it a regular payment. Then they do n't withdraw my automatic monthly payment but move it to later months. That way the company benefits from the spread and I do n't pay down my mortgage. There is no response to emailing the company through their automatic system. It is unclear all the changes they make to my mortgage. This company misleads the consumer. This is not my first complaint to SLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94025
Submitted Via: Web
Date Sent: 2016-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-09-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XX/XX/2016 our home loan was sold to Specialized Loan Services, and in the 8 months they 've owned the loan SLS has twice claimed not to receive our monthly payment. They 've been difficult to work with when we attempt to resolve the matter. In our nearly 20 years of making monthly mortgage payments, by paper check and electronically, we 've never had one lost. Our credit rating is excellent. When SLS claimed our XX/XX/XXXX check had n't arrived in their XXXX processing center two weeks after we mailed it, we stopped payment on the check and paid to wire the funds. After several phone calls, they agreed to waive the late fee. Now the same thing has happened again. We mailed the XX/XX/XXXX check XX/XX/2016. This time, SLS acknowledged the barcode on their payment envelope was processed by the post office on XX/XX/2016, but insisted it had n't arrived at their processing center by XXXX. We wired the XX/XX/XXXX payment yesterday ; our credit union shows the funds have been delivered, but our account on the SLS site still shows the XX/XX/XXXX payment as unpaid. SLS admits pay envelopes are n't scanned into their processing center, so that there is no way for them to know whether a check that arrived in their mail room was lost on the way to Accounts Payable. Reaching a supervisor is made intentionally difficult, as they are generally not available in real time when the CSR ca n't solve a problem, and the supervisor call-back delay is claimed as 24 hours, but has been longer for us. Even when promise of a late-fee waiver is made by a supervisor, the company forbids confirming that promise by email or any other trackable means, and you have to follow up with them by phone repeatedly. In addition, the SLS website has very long load times, which may be intended to discourage customers from pursuing complaints. Given the poor service and lost checks, we now do n't know whether to trust SLS 's claim that increased escrow requirements are the actual reason for the increase to our monthly payment. As soon as our loan was sold to SLS, the monthly payment increased XXXX %, with " escrow deficit '' given as the reason. Our excellent credit ratings stem from years of paying bills on time. We have paid several different mortgage lenders by mail and electronically over the past 18 years, and have never had a problem with payments being received and acknowledged until SLS purchased our loan. SLS shows no accountability. We do not trust SLS with access to our bank account through Bill Pay. We therefore feel stuck waiting for SLS to receive every month, forcing us to wire the funds every couple of months and check the account online daily to ensure funds are received and recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2016-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No