Date Received: 2016-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 2 ) Can I get the Informal Payment Plan in writing Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I initially had a CONSTRUCTION LOAN with XXXX XXXX XXXX ( loan # XXXX ) until XXXX XXXX XXXX acquired the bank, along with the loan ( loan # XXXX ). I had issues with this loan with XXXX XXXX XXXX but rather than resolve them, they first put my home in foreclosure only to later Voluntary Dismiss the foreclosure and then reportedly " transferred '' it to SLS ( loan # XXXX ) as servicer for XXXX, XXXX in trust for XXXX XXXX XXXX XXXX XXXX XXXX ( investor # XXXX ). However, the same problems/issues with the loan before the " transfer '' are still present. Instead of SLS resolving them they have put my home in foreclosure. Specifically my complaints are of the following : ( 1 ) States on the foreclosure that I had received all requests prior to foreclosure when I had not. ( 2 ) Total debt amount of {$820000.00} as stated on Foreclosure Notice exhibit B is incorrect. SLS has stated in its correspondence that it is going by the Adjustable Rate Note but is n't. Instead, SLS is going by terms of an ambiguous Loan Modification initiated by XXXX XXXX XXXX and carried out by SLS. In this Modification it states that it amends and supplements the Note and the Mortgage Deed of Trust recorded on XXXX XXXX, XXXX. I have not I received a copy of a Note or Deed of Trust recorded on XXXX/XXXX/XXXX that this Agreement amends. Also, I do n't see where this " Agreement '' nullified/cancelled the terms in my original Adjustable Rate Note where it states " I will pay principal and interest ''. ( 3 ) SLS was being deceptive when sending a copy of the Loan Modification Agreement in that they initially sent me a supposed copy but after examining it, I noticed that the signature page was actually of photocopy of the signature page of the Note. When I pointed this out to them, they stated they had a Notarized copy which they did send but even on this one it states there are XXXX pages but I only received XXXX. Also, since it was not recorded this " document '' is dubious since SLS has already shown that the pages can be manipulated/changed. ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Firm are both acting as Substitute Trustee and filed XXXX separate foreclosure hearings on XXXX/XXXX/XXXX. The XXXX scheduled by XXXX Law Firm as Substitute Trustee had been cancelled by a phone call from them to the Clerk of Court office but the XXXX scheduled by XXXX XXXX XXXX XXXX XXXX as Substitute Trustee had not been. My lawyer stated that clearly there is an issue as to who the Substitute Trustee actually is and asked for a dismissal of the Foreclosure. The Clerk of Court stated, " That 's not how we do it here '' and gave him a post-it-note with a handwritten phone number on it and instructed him to call it. The phone number was for XXXX XXXX Firm. ( 5 ) SLS sent a " Trial Period Modification Plan ''. But there is no actual modification or agreement to review or discuss. This " Plan '' asks for a total of {$27000.00} and did not specifically say what they would do with the money nor does it obligate SLS to actually having to give me a modification if I did send them the money. It was not drawn up like an agreement in that it did n't state what it would be modifying, terms of the modification, principal owed, amount of interest rate, nor did it have a place for signatures as you would expect in an agreement. It appears to be a rouse to show the Clerk of Court that they are attempting to help us and to justify a delay in the Foreclosure Hearing. ( 6 ) In a SLS correspondence also dated XXXX/XXXX/XXXX, XXXX states it had reviewed my application for a foreclosure prevention option and on one part of it stated that I was denied a Standard Repayment Plan because " Review of your financials indicates that a repayment plan is not affordable ; therefore, you are not eligible for a repayment plan. '' I have not sent SLS any financial information to be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92101
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). They hold a second mortgage against our property and have done so since XX/XX/XXXX. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our XXXX XXXX payment was written on XXXX XXXX, then our XX/XX/XXXX payment was written on XXXX XXXX, but both checks were deposited on XXXX XXXX ( see bank statement attached ). We are also concerned that SLS has advised us in writing that our monthly payment is going to increase effective XXXX XXXX, XXXX, but have been unable to tell us what that new amount is going to be. We have called several times to obtain the information. Once I was told by the customer service representatives that our payment was not going up ( XXXX ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on XXXX XXXX, XXXX and that our next payment due is on XXXX XXXX, XXXX and the amount due is XXXX. But we received a letter stating our account is in default and a possible foreclosure action is pending. We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2016-04-20
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Specialised Loan servicing does not allow you to speak or work wtih a single contact. Instead you have to call in and try to get someone on the phone that has no clue what is happening on your file. They wo n't transfer the account to your supposed single point of contact or asset manager stating it is their policy not to do so. If you call XXXX and enter the loan number and social you will NEVER get your contact on the phone. Instead they say to schedule a call back then no one calls back. After you submit all required documents they close the file out a few days later stating they did n't get them in time and you have to start over sighting this is the investors rules which is NOT TRUE XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-19
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have submitted a complete short sale file to SLS now multiple times and can not get anyone to work the transaction. The negotiator this file was assigned to dropped the ball multiple time before she left on " leave '' and SLS did n't bother to reassign the transaction to anyone. I have emailed and left a voice message for the CEO trying to escalate my concern with no return correspondence. the first lien was approved and has been closed out twice now because of SLS delays ( they are the XXXX lien holder ). SLS 's phone system does n't allow you to get through to a live body instead it requires you schedule a call back from them. In return they never call you back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98409
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage from XXXX XXXX was sold to SLS in XXXX XXXX. I paid my XXXX payment ( {$1200.00} ) to XXXX because I 've done this for 10 years. I started receiving notifications from SLS in XXXX that they now have my mortgage and need to begin making payments, but the payments have increased by {$400.00}. I 've asked since XXXX, for an escrow review of my mortgage to no avail. As of date, I have not received anything from SLS pertaining to why my mortgage has increased. I 've spoken to them 3 times, and still no reason, explanation, or letter. I made my XXXX, and XXXX payments because their customer service representatives told me to continue to make payments of my original mortgage {$1200.00} and it will be placed in holding as " good faith effort. '' On XXXX XXXX, XXXX I received an Intent to Foreclosure letter indicating I have n't made any payments. I have my XXXX XXXX statements that indicate I 've made payments. I 'm really disappointed with SLS, their representatives, and their policy and procedures regarding retaining records, collecting payments and not applying them to my loan. They are threatening foreclosure and I 've made payments. They want me to pay {$400.00} more without reason or explanation informing me why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2016-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No