Date Received: 2023-05-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom It May Concern : Attached is the original QWR letter I sent Specialized Loan Servicing on XX/XX/XXXX, in regard to compliance with HUD XXXX. According to the law XXXX SLS had XXXX days to send a letter of acknowledgement, of which they never sent. In addition, by law they also had 30 days to respond to the QWR letter they received on XX/XX/XXXX. I even called SLS on XX/XX/XXXX at XXXX to follow up because they never sent an acknowledgment letter or the 30-day response letter to the QWR received on XX/XX/XXXX. Even until this day XX/XX/XXXX I still have not received this legal response letter or phone call to my number listed on the account. A follow-up complaint will be filed detailing other Complaints filed with multiple Federal and State Government agencies that this letter was sent to along with evidence of illegal retaliation, and the violation of multiple laws including RESPA 12 U.S.C 2601, Regulation X, 12 C.F.R part 1024 and the CFPA. Again, as I stated before the official legal Address for communication channels is XXXX XXXX XXXX, # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX, and no other address should be used for communication. This applies to XXXX XXXX XXXX XXXX XXXX XXXXSpecialized Loan Servicing . XXXX Case Number XXXX filed by XXXX XXXX XXXX shall be vacated ( set aside/canceled ) or done away with as this was illegally filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX Transferred/Sold my account to Specialized Loan Servicing, which part of computer share group. In my attempt to communicate with such company it has failed. I am formally complaining about the following : 1. Mismanaged and appropriation of funds- When making a payment to my Principal Balance, it does not posted on the month when the deduction from my bank account happens. What that means is that they keep my money and when ever they feel like it they posted, which in turn my money is not working for me as every day counts. interest rate does not stop, in my case my mortgages interest is daily therefore my money is not working for me. A recalculation of funds should be done monthly and appropriate credits to account. 2. They don't allowed for me to pay my home early- I tried paying my house bi-weekly, this did not work. although they were taking the money out my bank account, XXXX did not posted until the amount was due. Therefore it did not make sense to pay 2x month. This is different form making a principal balance payment. 3. Making it hard to take PMI out- my house had doubled in price, they would not accept my request to removed it. the mortgage balance is halve of what the house is worth. I have made my payment on a timely manner from the moment they became my servicer, never have I been late. I must add getting through their auto attendant is a task as they make it impossible to talk to a live representative. the system hangs up on you if it does not like your answer, how about that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX I separated from my husband, which, caused a loss of income to my household. Following the separation, I became XXXX and was having to take several days of from work. In XX/XX/XXXX I had to have emergency XXXX and was receiving XXXX XXXX ; therefore, I was not able to work, which caused my debt to increase. I returned to work in XX/XX/XXXX. In XXXX I applied for a XXXX XXXX bankruptcy and was making the monthly payments until in I got XXXX in my foot and had to be on XXXX for 6 months. Since I had a XXXX line placed, I had to go part time and was not able to make the bankruptcy payments. However, in XXXX XXXX XXXX, in better health I decided to change my career path. I have attempted to do a loan modification in XXXX XXXX, but was told there was not enough time to review the paperwork. In XXXX, I enlisted the help of a company, XXXX XXXX, for help and was again denied a loan modification, because I make to much money. At this point, even though I am able to make the monthly payments, I do not wish to retain the home. I am willing to make a short sale, and therefore, is working with a company to do so ; however, Servicing Loan will not review the short sale paperwork. I only want enough time to be able to relocate my family. I would like to be given the opportunity, to complete the short sale process and relocate. Thanking you in advance for your assistance in this matter.
Company Response:
State: LA
Zip: 71106
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing, XXXX # XXXX. Notice of Default Mailed or Generated on XX/XX/2023 and sent to me via Certified Mail. Letter stipulate I have 33 days from date of letter to cure my default balance. However, I signed for the certified delivery on XX/XX/2023 at XXXX. The 33 days include 9 DAYS IN TRANSIT. I want to have the time extended to cure the default. ( I will have the funds by the XXXX XXXX XXXX XXXX to pay my account current ) I should be given 33 days to cure from the date of receipt of the Notice of Default. I contacted customer service and was advised the 33 days starts from the date of the notice and NOT when received. I advised I wanted to extend the due date to the XXXX XXXX XXXX XXXX and the representative stated she would document my file but the date of XX/XX/2023 is my final date to cure the default payments. She could not state whine the next step of the Foreclosure would take place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We purchased a home in XX/XX/XXXX. Our funding was tied up in our previous home not being sold. A {$590000.00} loan was needed which was greater than 80 % loan to value of the new home. Private Mortgage Insurance ( PMI ) was required by the lender, Cherry Creek Mortgage of XXXX XXXX, CO. All required mayments were made timely as well as an additional {$50000.00} toward the principal in XX/XX/XXXX. On XX/XX/XXXX we were approved for a loan re-cast. We made an additional principal payment of {$450000.00} as our previous home had been sold. We assumed that the PMI would be discontinued as the new principal balance was {$98000.00} which was a considerable reduction from the original loan amount. The lender did not offer to have the PMI discontinued at that time. On XX/XX/XXXX we realized that the monthly PMI of {$94.00} was still being withheld. At this point we requested to have the PMI discontinued and refund the PMI withheld since XX/XX/XXXX. A " supervisor '' stated that refund was not possible and it was our responsibility to request PMI termination. The " supervisor '' stated that the lender had to verify that the property value was indeed less than 80 % loan to value. The lender initiated a formal appraisal which was conducted on XX/XX/XXXX. An additional principal payment of {$20000.00} was made on XX/XX/XXXX. The current principal balance is {$75000.00}. Our complaint is that eventhough the Home Owners Protection Act ( HOPA ) does not required the lender to offer PMI termination, the lender could have offered PMI termination as a good customer service practice. Additionally, the HOPA does not require that a formal appraisal be conducted ; only that it is a lender option. Again a good customer service practice would have been for the lender to forgo the formal appraisal since the outstanding principal balance was considerably less than the original loan amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Home Loan was with XXXX without my knowlege trasfer my loan to SLS special loan service thgey took mutiple payment from my BANK account Give me trouble sionce very first day when i provide them my account number when i reauest to correct amount they increse more monthly payment when i request again they sent wrong info to credit beuaru my loan in modification my score down and impact my good hiostory make meesed up very unprofesional and incenane
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: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern, My name is XXXX XXXX and I am here to fight back, and make a stand against the gross injustice the SLS mortgage company has brought and continues to inflict on my family. Rather than finding a way to work with us / taking responsibility for their own sloppy mistakes ( no notice served / incorrect address, broken agreements too many to count ). Negligence is one thing, but Im afraid thats not the case here.. the degree of their misconduct is troubling and they should be held responsible for their behavior. They have gone after me, my family and my home with malicious intent. Not willing to even PRETEND to try and work with us / offer a reasonable solution at any point of this nightmare. SLS abused their power as a financial institution to bully us into a corner Not only have they refused to work with us, but whats worse is how theyve gone out of their way to perpetuate lies. unjustly attacking us and going all in on defending their fraud and criminally behavior. They are undoubtedly doing all they can to cover tracks and escape the liability which inevitably will track them down. They can say whatever they please, Im here to defend the truth and it will prevail. I have receipts/specific info which clearly shows the bombastic misconduct / borderline criminal activity dealing with them on too many occasions to count. Please, reach out / respond ASAP I never missed a payment until COVID The payoff was less than {$40000.00} after with more than {$200000.00} of equity in the home. stranglehold on our property. sabotage us they are trying to steal my home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74011
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: BACKGROUND OF THE COMPLAINT Within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) issued the following payments for real estate property tax, which were made to the wrong property tax authority appraisal county office, XXXX XXXX in the following amounts of {$3900.00} and {$1800.00} respectively. However, the problem here was that the property located at XXXX XXXX XXXX XXXX XXXX TX XXXX is within the boundary of the XXXX XXXX XXXX XXXX XXXX. - See Exhibit A. Around or within XX/XX/XXXX, Specialized Loan Servicing ( SLS ) received a refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$3900.00}, which Specialized Loan Servicing issued a check to me, XXXX XXXX in the amount of {$2900.00}, and leaving a credit to the escrow account in the amount of {$1000.00}. See Exhibit B. Around or within XX/XX/XXXX, Specialized Loan Servicing issued the last of the 2 or 3 erroneous escrow account reconciliation statements stating that there was a shortage balance in the amount of {$3100.00}. - See Exhibit C. Also, within the same month of XX/XX/XXXX, Specialized Loan Servicing received another refund check from the XXXX XXXX XXXX XXXX XXXX in the amount of {$1800.00}. See Exhibit D. Therefore, as per internal documentation provided by SLS, this amount of {$1800.00} was meant to be reimbursed to me, XXXX XXXX. Although, I called SLS and requested to send me the reimbursement check so that I could replenish the escrow account shortage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77386
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I send my payments weekly in advance of my due date. Per the guidelines of my loan I am allowed to do this and they will hold the payments and apply them at my due date. They keep losing and misapplying my payments and telling me Im late. I am not. I have attached all payments sent since my loan origination and the confirmation numbers from my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55024
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to settle my overdue mortgage payments withmy mortgage servicer, Specialized Loan Servicing LLC ( SLS ), since XX/XX/XXXX. The first time I was contacted by SLS and spoke to one of their representatives was XX/XX/XXXX. Apparently, my mortgagewas transferred to SLS in XX/XX/XXXX but they failed to communicate this to me. SLS referred me to their attorneys, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, for the settlement of all payments but their attorneys became unresponsive and did not provide a settlement agreement thatwould include a correction of their billing statement thatcontained unjustified and unexplained charges in the amount of {$4100.00} at the time.My calls and emails to SLS 's attorneys remained unanswered after they had promised to address my concerns and send anew settlement offer. I do not dispute that I currently owe past-due payments for mortgage, interest, and taxes to my loan company and I stated multiple times in writing and on the phone that I want to submit all overdue mortgage payments. I dispute that SLS has started foreclosure procedures instead of allowing me to reinstate my loan. SLS and their attorneys will only grant the reinstatement of my loan if, in addition to the regularmortgage, interest, and lawful Escrow charges, I will also pay their additionalfees/charge of currently {$7200.00} in " legal fees '' and an unitemized amount of $ XXXXfor " corporate advances '' that seems to include {$3300.00} in attorney 's fees. I requested itemizations and explanations for these amounts and asked for a deletion of the legal and attorney fees when they first occurredin XX/XX/XXXX but never received a response from SLS or their attorneys, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX to this request. Thereshould not havebeen any litigation and legal fees applied to my account tobegin with because my mortgage was under forbearancewhen it was transferred to SLS and furthermore, SLS did not send any notifications, billing statements, escrow statements, or notices to my correct mailing address ( same as the address of my residence ) .SLS did not inform me of the transfer and did not introduce themselves as the new mortgage servicer until eight months after transferring the loan. It turned out that SLS sent previous letters and notifications to the wrong address instead of my correct address. My address has not changed in the years that my loan was active and the error in the address was SLS 's mistake. I have downloaded all previous correspondence that SLS sent to the wrong address from their portal and informed them about their mistake in XX/XX/XXXX when it first became clear after I researched what might have happened to the letters and notices. SLS is not admitting to any mistakesthey have, however, corrected my address in their system in the meantime and continue their foreclosure lawsuit against me. SLS startedcourt proceedings on XX/XX/XXXX, without previous communication with me and without trying to mediate, and without ruling out any mistakes on their side. In more detail : My mortgage was serviced by XXXX Bank XXXX XXXX and, following XXXX, I requested a forbearance on my loan in XX/XX/XXXX with Suntrust/Truist to allow me XXXX to recover financially from XXXX hardships. My mortgage was transferred to a new servicer, Specialized Loan Servicing LLC, in XX/XX/XXXX, without informing me. I was not notified by SLS about their servicing of my loan XXXX XXXX. Until I showed them and notified them about their mistake, SLS sent all letters and notifications to an address that is not mine. My address has not changed and the error originated with XXXX. SLS contacted me about my mortgage for the first time by phone on XX/XX/XXXX, and it turned out later that my forbearance was not transferred along with the loan. Untilthis day I had no knowledge of Specialized Loan Servicing. Specialized Loan Servicing e-filed for foreclosure on my home and denied my request for mortgage forbearance under theCARES Act because SLS had already started foreclosure proceedings. After many phone calls to try to explain that SLS had an error in their data system and kept sending their statements and notices to an address that is not mine, finally, they corrected my address but kept denying any knowledge or eligibility for forbearance. SLS offered me a loan modification instead, which, after review andlack of detail and clarity of terms andconditions, I declined. The loan modification would have added 10 years to my mortgage term, the modification agreement showed charges that lackedan explanation, and there was no concise information/express statement on whether my agreeing to the loan modification would stop SLS 's foreclosure proceedings. I also requested that SLS would correct my credit reporting and requested that all negative reporting would stop and existing negative reporting would be corrected. I should have been under forbearance with no negative impact on my credit reporting. A hurricane was heading to my area and I called SLS on XX/XX/XXXX, to ensure that my insurance was in place. They emailed me a copy of a notification dated XX/XX/XXXX ( addressed to an address that was not mine ) to inform me that my insurance had expired. With an approaching hurricane, there was a moratorium in place for renewing/buying insurance. SLS had been negligent about my account and did not fulfill the insurance coverage in time and did not give me a chance to correct the payment in time. I submittedmy home insurance payment in full directly to my existing insurance provider as soon as the moratorium was lifted on XX/XX/XXXX and informed Specialized Loan Servingabout this payment on the same day. To date, SLS has not confirmed that my insurance and insurance payment was applied correctly to my account. I requested the reinstatement of my loan and agreed to submit all my overdue mortgage payments and lawful charges of interest and Escrow amounts to SLS in a lump sum and requested that they would let me know the total amount that I had to pay to reinstate the loan. SLS sent me a reinstatement agreement that showed the overdue payments but also includedadditional charges in the amount of {$3800.00} consisting of " legal fees '' and " corporate advances. '' I requested an itemization of the charges and asked that the legal fees would be reversed as SLS had failed to send any of their letters and notifications to my address and did not communicate with me until XX/XX/XXXX. After numerous phone calls and attempts to get clarification on the legal fees and charges that were applied to my account, SLS informed me that I had to address and inquire about the legal fees and charges with their attorney and come to an agreement with them. I called their attorney, XXXX, XXXX, XXXX, XXXX XXXX XXXX PLLCimmediately and their representative, XXXX XXXX, stated that my foreclosure was now on hold and they would honor my request, they would send the request to SLS for approval, and I would receive a new settlement agreement.I called/emailed the attorney 's office to follow up and requested to settle the matter several times but they stopped responding. It became clear that my mortgage was not " on hold '' as XXXX XXXX tried to make me believe. I had a deadline to file my response and defenses to SLS 's foreclosure claim in court on XX/XX/XXXX. With SLS 's attorneys becoming unresponsive andthecase moving forward in court, I had to hire a legal representative of my own to try to negotiate with SLS and SLS 's attorneys and provide a settlement agreement that would hold up in court to stop foreclosure and would also request that my credit reporting would be corrected. I wanted to submit all overdue payments in a lump sump and was certainly willing to pay all lawful fees and charges but disputed their attorneys ' fees and litigation costs. In XXXX XXXX, XXXX 's attorneys sent a new settlement offer/agreement that demanded {$7100.00} inlitigation fees and {$3300.00} in attorneys fees. Most of the additional fees and charges could have been avoided if : A. Specialized Loan Servicing had done their due diligence and ensured to send their notices and letters to my correct address, XXXX SLS had accepted my payments and reviewed my valid concerns over their attorney 's fees, and accounting mistakes ( they had not applied my insurance payments to my account ) and also addressed my concernsabout credit reporting but instead, SLS referred me to their attorneys, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX SLS had provided concise information about charges to my account and Escrow statements. There are discrepancies in SLS 's statements and breakdown of charges in billing and settlement statements when compared to the breakdown of charges that their attorney 's office has sent me. To date, I have not been given the opportunity to discuss my valid concerns with a qualified SLS representative. All my calls and requests for escalation of my case to a senior management team member or account specialist at SLS remained fruitless. Instead, SLS referred me to their attorney, and every time I try to settle my account with the attorney, they charge more litigation and attorney 's fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A