Date Received: 2016-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage was transferred to a new loan servicer : Specialized Loan Servicing LLC ( SLS ) XXXX. XXXX XXXX XXXX GA XXXX Phone XXXX in XXXX 2016. We received several notices as the loan was transferred. One stating that our payment was past due ( this notice was received prior to receiving any payment information, remittance stubs, address, new loan number, etc.for the new servicer ). Another letter was received stating that we had no insurance ( although we did, through XXXX/XXXX/2016 and future payment amount is held in escrow ). Yet another notice from a debt collector stating that they were collecting on a debt ( there is no debt owed to this company!! ) and another letter stating that we do not have an escrow account - we did have an escrow account and the old servicer sent us a letter indicating that they transferred the balance of {$3700.00} of which SLS claims they have no record. I have spent hours on the phone in circular telephone loops trying to get clarification on the notices. Was told to ignore them by all the representatives. I just received a telephone call relating to the loan requesting payment ( which I have already sent ). However, on a recent call, I was told by a representative that we have 60 days to make the first payment due to the transition of the loan to the new servicer. This company clearly has administrative issues that go well beyond timing of noticing and operational systems. If they are n't already, they should be under review by an agency to insure that they are compliant with mortgage lending and servicing practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2016-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX I received a loan from XXXX Mortgage XXXX Located at XXXX XXXX XXXX XXXX, CA XXXX. I am not sure when XXXX sold my mortgage to Deutsche Bank National Trust Co. But they end up with my mortgage without the right documentation. I was a victim of these unscrupulous practices. Since XXXX Deutsche Bank National Trust Co has been trying to foreclose my house. I have been requesting them, through XXXX, and now XXXX, TO PRODUCE THE NOTE and the Assignments of the loan. I have not being able to obtain NONE of these copies. FIRST : I want to see when Deutsche Bank National Trust Co obtained the NOTE. I want to make sure that they own this mortgage. SECOND : I want to see WHY Deutsche Bank National Trust Co obtained A NOTE, IN XXXX AND ANOTHER Document in XXXX. I have a copy of the NOTE, signed during the closing in XXXX, made to XXXX. I have never received the Assignments of this NOTE to Deutsche Bank National Trust Co. In fact, the copy of the NOTE received in XXXX, from the loan servicing XXXX, is a different document that XXXX sent me on XXXX XXXX. This worries me. I am very concerned. It seems to be a fabrication of a document by the legal team from XXXX. Unfortunately it is well known, that the banks fabricate documents to prove their cause of action. My home has been scheduled to be foreclosed on XXXX XXXX Please help me to make the banks to do the right thing for once. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2016-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-28
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29527
Submitted Via: Web
Date Sent: 2016-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I received a XXXX for XXXX from SLS for a loan that was foreclosed in XXXX/XXXX/XXXX, SLS was the second trust deed holder on the property. They did not make an offer at the sale and continued billing, me until the end of XXXX, even after numerous conversations with thm that the property was foreclosed in XXXX. According to Idaho law they had 90 days to do a deficiency judgement against me, but they did nothing. The property reverted back to the 1st trust deed holder on XXXX/XXXX/XXXX for {>= $1,000,000}, which was the balance of their loan. I need SLS to to correct the XXXX C, which they have sent me a letter that they would n't, I will include the letters and information following.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2016-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92223
Submitted Via: Web
Date Sent: 2016-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-24
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My second mortgage or " HELOC '' matured 2 years ago since I filed bankruptcy 7 years ago and had not received any statements from them since that time I was unaware of it being close to maturity since that time I have filled out paperwork with them at least 5 times each time they say something is missing and I send that and no response. When I call back I am told the paperwork is too old and needs to be resubmitted. They have sent my home for foreclosure. Since I have a lot of equity in my home I feel they are doing something called " Dual Tracking '' which I understand is illegal in California
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93030
Submitted Via: Web
Date Sent: 2016-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am XXXX years old and SLS has lied to me and is trying to sell my home even though they have a complete package and are reviewing me for a modification. SLS confirmed that they have a complete file but no point of contact has been assigned to the case and they are not placing the sale on HOLD. Additionally, XX/XX/2015, I had explained to SLS the hardships that I endured due to my illness and increased medical expenses and they promises to lower my interest and then next thing, my home is in foreclosure. I am XXXX years old and have been in this home for 26 years and this is where I will die. I do not want to be a burden to the state or other tax paying citizen. I AM WILLING to pay my mortgage and had they kept their promise last year I would be paying a mortgage and not facing foreclosure in two days. Now, for a week they have had a full modification package and are reviewing me but are not placing sale on hold or postponing. Please help me as I have no one, All of my family is dead. I worked hard all of my life and SLS should not be allowed to kick out XXXX citizens into the streets especially after promises were made and after they are blatantly failing to comply with CA homeowner bill of rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX, XXXX. Servicer/Lender PredatoryLoan ( ARM ) XXXX ( 5 year fixed -interest only, 25 year ARM ) apparently funded by XXXX . Originated XX/XX/XXXX .In XX/XX/XXXX as homeownerNOT LATE we asked to do a principal reduction @ the time we were told & have written communication along from several employees, executives " we do not know who your investor is? '' All of which is documented via email, phone conversations, certified/registered mail. In addition, they reported us late, accelerate on our home by certified mail receipts, created a short sale, declined all requests to pay off loan in full, declined purchase offers all while NOT LATE! They still could not find out who are investor was. NOt too mention they tried to decline payments WHEN WE were not late. They told us " you have to go late to find out who your investor is. '' Every employee email & executive indicating such. Back & Forth for 2 years, Again still declining any attempt to discuss principal reduction, I even asked " if you do n't know then where are my payments going to? '' They spent over XXXX hrs telling me how to write a hardship letter, what it has to say, how to word yet still declining every attempt to do a principal reduction, & purchase/payoff loan.Through the years we have hired/paid different attorneys, non profits, mailed letters, individuals, spoke with past & present employees WE BLAME THEM & RELIED on their advise by doing exactly what they told usto do.They PUTT US IN THIS POSITION & ALL OUR MONEY LOST. Presently, now we have NOD, Trustee Sale date XX/XX/XXXX. Again they ignore our letters & WE paid AGAIN ATTY & NON PROFIT of which get the same results & at our expense TO HELP US. We finally took their advise went late. Still to get the same answer " we do not know " who your investor is ( all documented ) & still turning down any concrete answers AND OUR expense they would reinstate our loan after months & months. During the time & after we took their advise we attended seminars, spoke to attorneys, contacted agencies/individual, wrote letters, again NOTHING! Everyone seems to have an interest in our property or own it, yet no one can tell us who the investor is. Currently, now Specialized Loan Servicing claiming to be the lender, creditor, debtor all in one acting on behalf of a lender /investor claiming to have interest & own our home? THe Mortgage Law Firm XXXX XXXX XXXX. indicates in the NOD & NOTS they are acting on behalf of the Lender, our the lender yet we still have no idea who owns our property as we thought we do? There is a scheduled NOTS XXXX/XXXX/XXXX. Specialized loan Servicing or the Mortgage Law Firm, XXXX XXXX XXXX, XXXX as Trustee for the XXXX XXXX XXXX XXXX XXXX , XXXX Mortgage Pass Through Certificates WHOEVER is the LENDER NOW contradicts IN all their written correspondence have not only an interest, claims to owns, acting on behalf of.., duly authorized for..attorney-in-fact ... YET ALL ALONG the original contract lender I signed did not even know who are investor was? How can someone sell, transfer, assign if the original entity i signed did n't even know? All these people, institutions have requested personal & confidential financial information we have complied WITH no results, They IGNORE all of our requests both by Attorneys, Us, NON profits, individuals & AT OUR EXPENSE AGAIN!. It has costs us THOUSANDS & THOUSANDS OF $ . We ARE NOT LATE ON OUR PROPERTY TAXES NOR INSURANCE EVER.NOW we defamed on title, there is NOTS, they continue to ignore all communication by passing me from one person to the next, say one thing doing another, ignoring correspondence from counsel, non profits, individuals & us. THey use computer generated letters. WE now have NOTS scheduled XXXX/XXXX/XXXX authorized agents, duly appointed people, WHICH in itself contradicts. We did EXACLTY as we were told by authorized agents, duly appointed indiv, attorney-in-fact, & employee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement, allonge, an assignment of the note, or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge, special endorsement, or affidavit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2016-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage servicer, SLS, has put insurance on my property since they claim I did not have coverage. My agent sent them information at least 3 times and no one at the company looked at the information nor notified me that they needed proof of other coverage. I had the condo association coverage sent to them. They wanted my personal coverage. I have always had coverage but by the time they finally said I had sent them the wrong information they had already put expensive coverage on my loan and started an escrow account. They want to charge me over {$1000.00} for coverage which has cost me only about {$200.00}. I called about this and the woman on the other end hung up. I think they do this as a total rip off to the customer. I am sure they earn a big commission on this very expensive policy which really does n't have much coverage for them. The main condo building policy is the most important which was sent to them 3 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No