Date Received: 2016-08-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My husband passed away unexpectedly on XXXX XXXX, 2016, at this time I lost his social security XXXX income, so I 'm struggling to make my monthly mortgage payments. I wanted to modify my mortgage so my son and I can stay in our home. I have sent the required documentation several times to the mortgage company, and they keep sending me paperwork saying they still need a XXXX tax form, which I have now sent in 4 times. Today in the mail I received a letter stating they did n't evaluate my modification because they did n't receive the required documents. When I called to speak to someone, they said I first started this process XX/XX/2016 since it 's now XXXX 2016 I would have to start the process all over because it 's been longer than 30 days. I 'm grieving the loss of my husband trying to keep something stable for my son with everything he 's lost this year, and Specialized Loan servicing is trying to make things harder. I want to keep my house, it just would really help out a lot if my house payments were n't so high.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2016-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We received notice that we were being transferred to a different mortgage servicing company in XXXX of 2016, which did not take place until XXXX. At that time we were informed that our house payment was going up around {$600.00} a month. We contacted our new servicer Specialized Loan Servicing ( SLS ) requesting an escrow analysis so that we could pay the negative escrow and bring our payment down to what we could afford. We had to call repeatedly and finally at the end of XXXX ( 2 1/2 months later ) we were given the amount needed. I spoke with a customer service rep and explained to him what we wanted to do and he assured me that he would take care of it and it would take some time to reflect the payment change. The payment for {$4600.00} cleared my account on XXXX/XXXX/16. When I logged into my account toward the middle to end of XXXX the payment was not reflected properly. It showed extra payments to our principal instead of the escrow. I called and spoke to another rep who said that they saw the discrepancy and would put it for review and reassessment to have it fixed. I asked about our XXXX payment since they made the mistake, they told me to go ahead and pay the full amount and it should be fixed soon. I called again around the first of XXXX because I was still not seeing a change on my account. I called a few times that day because each time, I was being treated as if I did something wrong asking them to fix their mistake. I was frustrated that we had paid the extra amount to lower our payment and they kept telling me that they were going to reevaluate and repurpose the funds after a reversal. I was told this several times and each time, the different customer service reps were saying they would do the same thing with no change or results. I asked to know who our mortgage company was so that I could complain about the servicer, they refused to tell me saying I had to have my husband fax in a request to know in writing. That lady also told me that if I did n't like them, I was welcome to refinance and hope that I did n't get placed back with them again. This of course was said with derision and condescension. Feeling stuck, I waited again until the first of this month ( XXXX ) giving them time to make the necessary changes. Still nothing has happened. The last time I called on XXXX/XXXX/16 the person I spoke with told me the exact same thing. He could see where the problem was he would reverse the transaction so that it would be reviewed and fixed. When I explained that this was the same action taken by the reps before him and that nothing was being done, he started asking me if I did n't think he was helping me, if I was just wasting his time and if I did n't think he was helping me, I could find someone else to do what I wanted. This company tells you up front they are a debt collector. We are not and never have been late with our payments and they have each time treated us horribly making me feel as if I was some lowlife while they are the ones who are misappropriating my funds! I finally had to hang up on the person who was " helping '' me yesterday after he was so rude and condescending toward me with yet again no results. We feel at a loss as to how to get any help from this company. Any requests to speak to a different department or even a supervisor are denied or deflected with snide derision where they are speaking over me to the point that I feel I have to hang up on them. All I want if for our funds to be applied appropriately, our account to be adjusted accordingly, and for it to be handled in a professional and ethical manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73064
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I tried to pay my mortgage payment early and Specialized Loan Servicing LLC wanted to charge me a {$10.00} penalty for doing so! I wanted to pay using my bank account. They said I would have to go thru XXXX XXXX to do this, which has a charge! Paying early incurs a charge??? Let 's put a stop to this abusive practice!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received a conventional XX/XX/XXXX ARM rate term refi XX/XX/XXXX from XXXX XXXX XXXX with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ XXXX./mo. I had been paying XXXX principle and interest plus $ XXXX./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they adding the shortfall to my monthly payment. In fact they have suspended a normal regular payment and charged me a late fee besides before my calls fixed that. Where Im at now is, SLS states to me that they are allowed to charge me extra for a cushion on the PMI as they consider it an escrow account. I know this is n't right, but after many calls even to upper management, the issue is n't resolved. I would like to know what your take is on this. I thought before I notify CFPB ( never thought I would want to contact them on purpose ), I would see what you can advise me or if you know something I do n't on this. I have the statement and escrow shortage statement if you would like to see them. I also am concerned that even if SLS clears my issue, how many other consumers do n't realize whats going on and I would like that looked in to as well..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95023
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Once again, my servicer - SLS - has taken five days to apply my payment and subsequently " cause '' a delinquency and post a late charge to my account - over a weekend and over the grace period cutoff. My payment was confirmed by my bank as delivered and received by SLS on XX/XX/XXXX ( Thursday ) and not negotiated until XX/XX/XXXX ( the following Tuesday ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My wife divorced me 2 years ago. In the court papers the house was given to me until the end of XXXX at which time I had to have refinanced the house or sold it. The house was approximately XXXX to XXXX XXXX upside down. No one wanted to refi it or buy it. So an individual I knew did a loan modification for me and submitted it to XXXX. XXXX said that the modification was approved in XXXX of XXXX and the paperwork was fedexed to me. I never got the paperwork. In februrary I was sent a letter from XXXX telling me that the mortgage was sold to SLS. SLS acknowledged that the mortgage had been sold to them. I thought that meant the modification had been approved. Unfortuantely I was told that the mortgage had been foreclosed on by SLS and sold to a third party called XXXX XXXX XXXX XXXX. I was not made aware of this until a man showed up at the door at the XXXX and told my roommate that my home was foreclosed on and put on the acution block and sold to his company and he had put the utilities in his name as was ready to move in. I immediately contacted XXXX and they told me that as far as their records show the loan modification was still active and on the books. I went to court on Monday in XXXX and the judge dismissed the eviction notice and told the lawyer that he did not have any official paperwork to do the eviction, At that point the judge referred the matter to XXXX court for a hearing on XXXX XXXX at XXXX. Specialized Loan Service contact information is as follows : XXXX Co. XXXX XXXX Arizona XXXX The property address that is in dispute is : XXXX Arizona XXXX I a good deal of this was done without my knowledge. I continue to wonder why XXXX after not hearing back from me about the paperwork did not send a follow up letter of something informing me that it was sent. I went over to the XXXX bank several times to find something out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85374
Submitted Via: Web
Date Sent: 2016-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-08-02
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have in the past filed many complaints with several regulatory agencies and with the judges and clerks of XXXX XXXX, FL regarding the verification and validation of the collection of my mortgage loan by the servicer, XXXX / XXXX XXXX and now new servicer, Specialized Loan Servicing , LLC and I have never received a full certificated response to my Debt Validation Letters, and my QUALIFIED WRITTEN REQUEST, COMPLAINT and DISPUTE OF DEBT AND VALIDATION OF DEBT LETTER, TILA REQUEST lettrs. Neither one of these servicers ( debt collectors ) have complied with each request as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) and by RESPA, Title 12 Section 2605 ( e ) of the United States Code as well as the Truth In Lending Act 15 USC Section 1601. Each of these debt collector have failed to follow the law. I have even sent them copies of my credit report showing someone else owning the debt and they still have not provided me with full, clear and certificated proof that they are the ones that have the right to collect the debt. There has even been documents such as Assignment of Mortgage that have been prepared which are suspected to be fraudulent. They continue to send me responses that do not provide enough information to verify the debt nor that they have the right to collect the debt. They provide documents stating that they are original but in court different documents are provided as original. They are not following the law and they are not providing what is required of them by the law. There is suspicion of fraud. Entities involved are : 1. Originator : XXXX a subsidiary of XXXX XXXX XXXX ( they filed bankruptcy and went out of business XX/XX/2007 ). Bankruptcy Case Number : XXXX XXXX. Sponsor : XXXX XXXX XXXX XXXX XXXX 3. Depositor : XXXX XXXX XXXX XXXX XXXX 4. Issuing Entity : XXXX XXXX XXXX XXXX XXXX XXXX 5. Servicers : XXXX XXXX, XXXX XXXX XXXX, Specialized Loan Servicing 6. XXXX XXXX XXXX, XXXX : A company organized by XXXX XXXX XXXX XXXX in XXXX which included several platforms and one of them was XXXX XXXX XXXX d/b/a XXXX XXXX. 7. XXXX XXXX XXXX : The company that acquired XXXX XXXX XXXX, XXXX. 8. XXXX XXXX XXXX, disbarred attorney who was part of the foreclosure mill in Florida and was disbarred for foreclosure fraud. XXXX XXXX XXXX was the attorney that drafted and filed the assignment of mortgage that was used in my foreclosure action and I suspect it to be fraudulent. 9. XXXX XXXX, Clerk of XXXX County Court : I sent a letter to the Clerk of Court requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 10. Chief Judge XXXX XXXX : I sent a letter Judge XXXX requesting that an investigation be initiated regarding my foreclosure case and my land records because of suspicion of fraud. This has never happened. 11. CFPB : I have filed many complaints and have appealed the response from the different entities but nothing has been done. No investigation has ever been initiated. 12. Attorney General XXXX : A complaint was filed with this office but nothing ever happened. 13. DOJ : A complaint was filed with the DOJ as the settlement agreement with DOJ and XXXX XXXX XXXX list in their Annex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as one of the trusts that are part of the settlement agreement having to do with fraudulent activities of the banks.
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: 2016-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-08-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We had another issue in which we had to file personal BK, however we had no intention of dissolving this debt and continued to make payments every month, and we were finally able to reaffirm the debt. In the last 4 months, they had mis applied a payment, so it was showing we did not make a payment, though they show they had it but did not apply it. So for the final 3 months, we did not make a payment until it was applied. Our loan was reaffirmed and the BK discharged, this company immediately sent out a foreclosure notice and will not apply the payment correctly. I spoke to XXXX in Executive Services, she researched it, agreed with us and was going to re apply the payment correctly. Someone above her denied the request and now they want to foreclose on this reaffirmation. We were under Bankruptcy protection and they can not foreclose on the debt, for missed payments while under the Bankruptcy, so this is illegal. This is related to our home in XXXX Nevada - Loan # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-31
Issue: Settlement process and costs
Subissue:
Consumer Complaint: SLS had requested an additional 45 days to respond basis for the denial of the credits for Tier 2 and/or the Tier 1 denial based on all sources of income, but yet, SLS sent me a modification package due to be signed, filed and entered by XX/XX/2016, which is days before the time they requested to evaluate. Please be aware that my loan was a predatory loan approved based on my excellent credit score, originated by XXXX then transferred to XXXX and now SLS. The lack of interest from XXXX XXXX and XXXX to evaluate my case and modify, resulted in years of unpaid mortgage payments, which SLS is now adding as 1 final balloon payment to be made at the end of the term, including their attorney fees, after my last mortgage payment is made in 30 years. ( Loan mod. package attached. ) My wish is for SLS to re-examine the loan mod for either further credits on the Tier 2 or a principal reduction and credits consistent with the Tier 1 guidelines, the servicer and the lender will permit the evaluation without compromising the existing agreement. 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: 2016-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Specialized loan Servicing is reporting inaccurate and false data to all XXXX credit reporting agencies on a home mortgage. This inaccurate information includes incorrect balance, incorrect monthly payments, number of late payments, foreclosure status, and dates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 050XX
Submitted Via: Web
Date Sent: 2016-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes