Date Received: 2016-04-07
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SLS Loan Servicing received our second mortgage back in XXXX. It was sold many times and was originally with XXXX. It has not been paid since XXXX due to the housing crash. Due to medical financial hardship filed chapter XXXX and received a successful loan modification on the 1st mortgage. I am current with this. I sent an offer of settlement to SLS based on hardship. They said I did not need to send any hardship letter or financials. Just to write them and make an offer. I did make them an offer and I have not heard back. I would like to know if they have accepted our offer within a timely manner. I have to know if they will work with us or I will need to file chapter XXXX. All I want to know is id they accepted our offer or are they going to counter our offer. I have learned that this company is extremely difficult to work with. I have read hundreds of complaints regarding this issue with Consumer affairs. I am asking for a solution in a reasonable time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94703
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have been working on a short sale for several months. We have been through several buyers as the bank takes months to decision the file. Our current buyer has been pending for 2 months now. The bank would ask for XXXX new doc eevery week until the file was complete. Since then it has been submitted for approval, with no decision. On XXXX at approx XXXX XXXX. I spoke to XXXX - Operator XXXX. He was extremely rude and condesending. I requested to speak to a supervisor and he declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2016-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Someone from XXXX XXXX ( SLS ) was breaking into my property and was aggressively threatening a tenant on the premises that they were there to remove all of the personal property. She was frightened and stressed to tears. SLS was obviously attempting to illegally confiscate the property, with a secondary goal to terrorize ( rude, threatening, yelling untrue statements, showing false documents, etc. ) the tenants to prematurely terminate their lease. Their ultimate goal is to avoid mediation and fair negotiation of the purchased debt. Only my contacting the Dept of Justice and the property 's escrow attorney stopped their action. Contact by the the aforementioned attorneys caused the SLS attorney to write a disingenuous denial of knowledge of hiring the " henchmen ''. This illegal flexing of muscle was purposefully executed 1 day before a scheduled mediation date for a loan modification. Thank goodness a neighbor questioned the " thieving henchman '' before they gained entry or changed locks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was working with my prior servicer XXXX XXXX XXXX to remove the PMI on my home. I was told to get an appraisal on the property, by the time I received the appraisal I received notification that my loan had been transferred to a new servicer " SLS ''. I contacted SLS to advise them I just received the appraisal and would like to request the removal of the PMI. I was advised to submit a request with my signature along with a copy of the appraisal. After submitting the documents, I received a letter stating they would not be able to use that appraisal and that I would have to pay for an additional appraisal ( an additional {$400.00} ). Also, the letter stated there was an authorization form attached that I would have to sign and send back for them to begin the process of obtaining a new appraisal. To my surprise there was no authorization form so I called SLS and they said I would receive a new authorization form. Three weeks later I am still waiting. I contacted my prior servicer and was told since my appraisal is not 60 days old SLS should be able to use it. At this point I think this is a stall tactic on the part of SLS. Either use my appraisal or provide me with a form so I can request one from your company. Every time I call SLS I get a different explanation. I 'm so frustrated and feel this is deliberate so that the customer will continue to pay the PMI.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: On XXXX XXXX, 2016 my family received approval for HAMP tier 2 from SLS ( XXXX XXXX XXXX ). The three Trial Payments to begin XXXX XXXX, 2016, however four weeks later I was notified that the file had been audited after my approval was sent out and that unfortunately a mistake had been made while processing the file and that our family did not qualify to receive the modification after all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have contacted contacted this company XXXX different times to forward the information to remove my PMI insurance. They said they have sent it via XXXX and also fax and we still have not received anything!!! They wanted to verify my address ... duh!!! It is the same exact address you send my bill to every month with no problem. It is very apparent they do not want to remove my PMI insurance as it is an extra {$1600.00} for them a year!! XXXX Awful customer service and true lack of anyone competent in the company!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33624
Submitted Via: Web
Date Sent: 2016-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SLS and a Foreclosure Trustee named Law Offices of XXXX XXXX are conducting an illegal foreclosure process against my Home with a Sale Date of XXXX XXXX, XXXX. I have submitted a mortgage relief package with all of the proper supporting documentation to SLS who has failed to assign me a Single Point of Contact, failed to properly review my modification request under HAMP or all other relief programs available and never provided any formal denial letter for their review of my mortgage relief request. I have dealt with several representatives from SLS every time I have called them as a follow up or inquiry. SLS has lost several of my documents and has failed to adhere to the important rules of HBOR and HAMP. SLS and the Law Offices of XXXX XXXX failed to perform and comply to the requirements before filing a Notice of Default which are : Contacting Borrower Prior to Filing Notice of Default : XXXX procedural steps that a mortgagee, trustee, beneficiary, or authorized agent must follow before For loans made from XXXX XXXX, XXXX to XXXX XXXX, XXXX, inclusive, that are secured by residential real property and are owner-occupied residences, at least 30 days prior to filing the notice of default, a mortgagee, trustee, beneficiary, or authorized agent must either make contact with the borrower or satisfy other due diligence requirements set forth in XXXX. Contact with the borrower must be in person or by telephone " in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' The borrower must be advised that he or she has the right to request a subsequent meeting, and if requested, the meeting must be scheduled to occur within 14 days. Whether the assessment of the borrower 's financial situation occurs during the first contact, or at the subsequent meet, the borrower must be provided with the toll-free telephone number made available by the United States Department of Housing and Urban Development to find a HUD-certified housing counseling agency. The notice of default may be filed without actual " contact '', if there has been " due diligence '' of the mortgagee, beneficiary or authorized agent. Satisfaction of " due diligence '' requires all of the following : ( 1 ) a first-class letter that includes a toll-free number for HUD-certified housing counseling agencies ; ( 2 ) after the letter has been sent, at least three phone calls at different hours and on different days ( an automated system may be used to dial borrowers ) ; and ( 3 ) if there is no response within two weeks of the required phone calls, a certified letter, return receipt requested, must be sent. Due diligence would also require that the mortgagee, trustee, beneficiary, or authorized agent setup a toll-free number that provides access to a live representative during business hours, and to post a prominent link on its homepage, if any, to the following information : ( 1 ) options that may be available to the borrowers who are unable to afford their mortgage payments and who wish to avoid foreclosure ; ( 2 ) a list of financial documents the borrower should collect in order to discuss those options ; ( 3 ) a toll-free number for borrowers who wish to discuss those options with the mortgagee, trustee, beneficiary, or authorized agent ; and ( 4 ) a toll-free number for HUD-certified housing counseling agencies. In my case SLS and their unethical attorney XXXX XXXX have failed to comply to the California Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX, the lender asked for some additional information which I sent to XXXX and they updated it to my file and I have n't heard any more from them until XXXX when they started the foreclosure process again. ( Despite the XXXX page saying they are supposed XXXX reply within two week ) I am in the process of completing a XXXX modification request through XXXX but if no one is going to hold the lenders accountable and they can constantly deny your paperwork or drag the process out so long that your forced to give up your property just to end the nightmare of never feeling sure or safe and constant worry for years now. And now we are once again facing foreclosure and eviction All I want is an affordable fixed rate mortgage payment so that we can get on with our lives. My mother is XXXX XXXX XXXX now and she should n't have to eviction hanging over her head at this point in her life. I do n't know if this loan should have ever been made to us from the beginning but had never purchased a home before but I know that had we known the payments would go up instead of down we would not have agreed to the terms but this was how I was told that people were able to afford the houses at that time. We have been here since XXXX and it 's our home now and we just want to be able to pay our bills & mortgage and be able to sleep at night.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-31
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Due to caregiver responsibilities for a XXXX mother with XXXX I am often away from my home for extended periods ( months even ). My mortgage lender has pad-locked my home twice in the last eight months claiming that the home had been 'abandoned. ' In the process the lender also replaced the lock which has breached the integrity of the exterior door and caused splintering of the wood ( I have pictures ). Further it was noted that the property was at risk and required 'winterizing, ' all the while I was paying my utilities ( heating, electric and water ) which were fully functional. A storm winter was broken and never repaired thereby allowing further break-in and vandalism since after breaking the storm window, the interior window was never secured. Additionally, I originally had my neighbor cut the grass and shovel snow as needed which is documented in a letter from my neighbor who did n't understand why someone else was mowing the lawn. Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19053
Submitted Via: Web
Date Sent: 2016-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I submitted a complaint on XXXX XXXX, 2016 but so far have heard nothing except it is in process. I need to include the attached to # XXXX. Specialized Loan Servicing denied our XXXX wire transfer payments & sent a fraudulent Notice of Foreclosure letter. They have not updated our mortgage statement all year including the last XXXX cashier 's checks paid. XXXX XXXX XXXX XXXX XXXX, XXXX, CA 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: 94536
Submitted Via: Web
Date Sent: 2016-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No