Date Received: 2016-07-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2016-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Because I am receiving threats even though SLS is supposed to be addressing my earlier complaint, I 'm filing this new complaint. As a result, much of the information is copy and pasted from the previous complaint. The new issue, however, is that I have, since this compaint, provided the same documents I provided with my application to SLS and they continue to state I have not sent them. I have provided proof to both SLS and CFPF, but SLS has done nothing -- instead, they have put my account in default and threatened to accelerate the debt and foreclose if I have not brought current in 33 days. This is absurd and shows a complete lack of respect for what your organization is supposed to be doing. It 's as if this company simply does n't care. Please STOP THIS!!!! On XXXX, XXXX, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On XXXX XXXX, I received a letter from SLS indicating that " [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today, XXXX XXXX, 2016, I have yet to receive any decision or other communication from SLS concerning my request for assistance. This is the second complaint I 've filed against this company within the last three months. The first is related to this one as I recently received more threats despite having submitted and resubmitted all documents. I am including their most recent correspondence as well as the last document transmittal I submitted to them with all my documents they had previously requested. SLS lies about supplying personal representatives ; the person they provide does not exist and their own agents have informed me that there is no personal contact.. I applied for and was granted 3-6 months forbearance from XXXX XXXX immediately prior to their transferring service to SLS. I requested copies of my mortgage documents, but SLS provided everything but the executed forbearance agreement with XXXX. At some point, they did send me a forbearance agreement for execution, even though at that time I had never applied for any assistance from SLS. Because my XXXX forbearance was expiring and despite the fact the offer date on the SLS one had expired, I executed that forebearance agreement and sent it back to SLS, but I never recived acknowledgment about it either. In either case, both forbearance would have expired by now and I have applied for a modification. I am hopeful that this can be resolved without the need for me to redo and resubmit multiple documents. Those type of shell game practices are supposed to be prohibited now. They are engaging in the very same practices for which I have filed this complaint at the very same time they are informing you that they are resolving the issue. PLEASE STOP THIS NONSENSE NOW. THIS IS MY LIFE AND MY HOUSE THEY ARE TRYING TO STEAL!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2016-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: My sister and Brother in law filed Chapter XXXX on XX/XX/XXXX. On XXXX XXXX, I attempted to settle a $ XXXX dollars mortgage debt since i signed the mortgage documents - with Specialized Loan Services. I was made aware of the past due/collections trough my credit report. The company never attempted to collect from me in the past nor showed late on the report. They asked me for $ XXXX to settle on XX/XX/XXXX, I tried negotiating and each time the amount gest higher and higher. Now, I have the $ XXXX and they wo n't accept it. I am paying the debt being that I did not file for Chapter XXXX and I want the lien to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home loan was sold to SLS in XXXX of 2016. Prior to that, I had been with XXXX Mortgage. Since the transfer of my loan, I have received XXXX letters stating that my insurance coverage was insufficient. The first time that I called in regards to the letter, I was told by SLS that I needed to have enough insurance to cover my existing loan balance. I verified with my insurance company that my insurance amount was enough to cover the replacement cost of the dwelling, which according to Virginia XXXX XXXX is what a mortgage company is allowed to require. After receiving this second letter in XXXX, I again called the company to complain about receiving the letter. I was told that the mortgage company just looks at the insurance amount and the loan balance amount to determine if a letter goes out, and not the assessed value of the property. As someone who works with the elderly and XXXX, receiving this sort of letter would be confusing and threatening and could lead to these consumers purchasing additional insurance that they would not require. When I pointed this out to the representative, he was less than receptive. I feel that SLS needs to stop sending these letters out to consumers using their current metric for determining who receives a letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2016-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SLS has demanded that we pay flood insurance on our property. FEMA will not even allow us to purchase our own flood insurance because they state we are not in a flood zone. In the meantime SLS continues to charge a ridiculous rate of $ XXXX/year for forced flood insurance on our property. To make matters worse, we entered a modification agreement with them and was told to make our modified payment as a trial period. At the end of the trial period they sent us modification documents that included a balloon which was not the original agreement for a 30 year fixed. We now can not refinance because they state that we are 5 months late on our payments due to incomplete payments during our " trial '' period. We were never warned this would make our account delinquent when we entered this agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85234
Submitted Via: Web
Date Sent: 2016-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Made contact with a loan company ( XXXX XXXX equity ) to borrow approx. {$1500.00} to pay taxes. Was told the only way was to refinance my entire home and all out standing debt. I agreed. However, the day before the final papers were to be signed. I received a phone call at approx XXXX by the rep of this finance company that certain agreements had to changed. ie. the percentage rate to 8.00 % and a balloon payment of {$10000.00}, that changed to {$100000.00} during this phone conversation. As time past I soon was unable to keep up with the mortgage payments. Now I am dealing with a housing counselor I really do n't trust. It seems I 'm unable to get a straight answer from her. ( during a recorded XXXX way phone call ) I heard the mortgage company say to my housing counselor. " you are not authorized ''. This & paying a law firm over {$7000.00} to help my mortgage issues, has caused me to fall even further behind my mortgage. I was only {$6000.00} behind Now I 'm over {$23000.00} behind and in the process of a home modification that I do not fully understand.
Company Response:
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2016-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I submitted a dispute on XXXX/XXXX/XXXX and I have n't seen any movement Case number : XXXX Submitted XXXX/XXXX/XXXX Company responded XXXX/XXXX/XXXX Customer XXXX XXXX via Web XXXX/XXXX/XXXX XXXX The statement SLS made that " On XXXX XXXX, XXXX a phone call was placed and a message left for you by SLS, advising you that you needed to pay the difference of the payments from KYHC and the funds due, or the funds would be returned to the state '' is false. You and I both know the Fair Debt Collection Practices Act which prohibits any detailed information as such to be left on an answering machine. It was n't until my daughter called XX/XX/XXXX was when these funds were located, I than called that day or the day after to make the necessary payment and was denied. Where are these funds? As mentioned before Keep Your Home California has no trace of these funds. Please review all mine and my daughters recorded conversations with SLS and you will find that your company was trying to locate these funds for months. XX/XX/XXXX. I sent a written letter questioning my balance and asking where the remainder of the funds are. Your investigation in this matter is lackluster and does n't address either issue of the payment of the for XX/XX/XXXX or the missing funds and gives no direction, and did not include any steps your company has taken to find these funds or any solutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2016-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-19
Issue: Settlement process and costs
Subissue:
Consumer Complaint: We are still without complete information concerning the loan agreement that SLS sent to us. We have two ( 2 ) Requests : 1 ) Provide the name and " ADDRESS '' of the custodian holding the original loan documents. 2 ) We need to view the original agreement in person. We are requesting a date and convenient location to view these first hand. A date in XXXX or XXXX.
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: 2016-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SLS ( Specialized Loan Servicing ) is a fraudulent mortgage company that is trying to foreclose on my home. I have sent documents ( per the company 's request ) on 3 separate occasions. Each time I send the requested information ( RMA, check stubs, XXXX, hardship letter, homeowners declaration page, XXXX then call for a status of my application I get a customer service representative that reviews my documents and ALLEGEDLY finds something else wrong. I highly disappointed and deeply saddened by the practices of this company. I have repeatedly sent paperwork that is not accepted by this company, although it is everything they have asked me to send. PLEASE HELP! This company is playing a maze game without an out! My property address : XXXX XXXX XXXX XXXX XXXX, Illinois XXXX LOAN NUMBER XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2016-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-07-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am currently attempting to modify an existing XXXX mortgage ( HELOC ) that will be maturing around XXXX/XXXX/2016. The loan is currently serviced by Specialized Loan Servicing LLC or SLS. I 'm attempting to get an extension of the maturity date of the second mortgage since my home is currently underwater in order to avoid a foreclosure or short sale. In the 10 years I 've had this mortgage I 've never once been late, on this second or the first. I began the process of modifying/extending my second mortgage nearly 7 weeks ago with essentially no progress being made during that time, even though I have provided SLS with all the documentation they have requested thus far. I have sent them my pay stubs 5 times now, with each time SLS claiming they either did not receive them or claiming they were unreadable. I receive no feedback from my single point of contact when there is a problem with any of the paperwork, with the responsibility being on myself to constantly call them to status my paperwork. I do not necessarily have a problem calling them to stay on top of things, but the problem with SLS is that they do not answer in bound calls. When I call my single point of contact, XXXX ( Teller ID XXXX ), all I get is an option to arrange a call back. Call backs typically happen two days later, which results is big delays. The biggest issue I 'm facing is that as this process gets drawn out by SLS, paystubs and other documentation become stale and then needs to be resent. On Thursday XXXX XXXX I had my last conversation with XXXX, where she informed me once again that the paystubs I faxed in were hard to read. Prior to that, I had overnighted the paystubs at my own expense, with one time them being lost and the other them becoming tale due to the inaction of SLS in advancing my request. During this last conversation, I expressed my frustration with both her and SLS. She informed me that she is currently assigned over XXXX accounts/clients and does n't have the time to call me back or stay on top of my file. At that point, I requested a call back from a supervisor. As of today, XXXX XXXX I have still not received a call back from her supervisor. In addition, I have called numerous times requesting a call back from XXXX but have not received a call back from her or anyone else at SLS. I am growing frustrated and scared because my loan maturity is now only 4 weeks ago with no sign that SLS is capable of advancing my request. Please help!!!!
Company Response:
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2016-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No