Date Received: 2016-03-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: SLS Continues to send Me Statements attempting to collect a debt that has been satisfied and extinguished Code of Civil Procedure XXXX ( 2000 XXXX XXXX XXXX. XXXX XXXX. ) No Assignment provided Was this Alleged Debt Purchased? If yes From who?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2016-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This issue remains unresolved, and I find it necessary to update the record to address concerns, about Specialized Loan Services ( SLS ), not covered or supported by documentation earlier. On XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) transferred the mortgage loan to SLS, effective XXXX/XXXX/XXXX. See Exhibit A. On XXXX/XXXX/XXXX, Specialized Loan Services assigned the mortgage loan number, xxx. The notice set forth unpaid principal at {$440000.00}, uncollected interest at {$2000.00}, escrow /balance at $ XXXX, and outstanding fees that totaled {$910.00}. See Exhibit B. On XXXX/XXXX/XXXX, SLS sent the Notice of Servicing Transfer effective XXXX/XXXX/XXXX. Exhibit C. On XXXX/XXXX/XXXX, I paid SLS {$3100.00}, on loan # xxxx, for initial payment due XXXX, XXXX/XXXX/XXXX. See Exhibit XXXX SLS applied the XXXX/XXXX/XXXX payment to a debt claim of {$3100.00}, allegedly due, for XXXX mortgage payment by XXXX. I disputed the SLS payment to XXXX, immediately. To date, XXXX has not submitted a proper bill in any amount for any outstanding claim of debt. XXXX ceased communicating with me after XXXX found errors and adjusted the online loan transaction history. On XXXX/XXXX/XXXX, after discussion with SLS, I disputed the payment to XXXX, in writing. See Exhibit E. On XXXX/XXXX/XXXX, SLS sent a demand for {$10000.00}, due XXXX/XXXX/XXXX. Exhibit F. On XXXX/XXXX/XXXX, SLS sent notice of changes to the mortgage interest rate and payment to take effect on XXXX/XXXX/XXXX. SLS states that the interest rate stayed the same for six months and that period ends XXXX/XXXX/XXXX, so the rate and mortgage payment will change. See Exhibit G. XXXX made a change to the mortgage interest rate effective XXXX/XXXX/XXXX. That change included an increase in the interest rate and payment that, contrary to the SLS claim, has not stayed the same for six months. SLS must know that this new debt claim violates the ARM agreement much like SLS knows that collecting disputed debt from me on behalf of XXXX is wrong and beyond the scope of the agreement. XXXX must be held accountable to justify the claim and not simply allowed to rely on a third party, SLS, to collect a disputed claim without proof. On XXXX/XXXX/XXXX, SLS sent a Mortgage Payment Delinquency Notice. Exhibit H. Five days later, on XXXX/XXXX/XXXX, SLS sent a second delinquent notice demanding {$3900.00}, including {$3100.00} Monthly Payment, {$910.00} in Fees /Advance, and {$110.00} in Suspense Balance. See Exhibit I. The fees listed by SLS are not legitimate. Again, SLS is attempting to collect on a claim that XXXX made during my Bankruptcy and hid from the Court when filing a Response Notice To Cure Final Payment on XXXX/XXXX/XXXX. XXXX admitted, in writing, to making errors in servicing the loan including overcharging my escrow account for 19 months. XXXX adjusted the loan account and failed to submit a written demand for payment, including fees, and SLS does not provide sufficient details, proof of claim. On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit J. On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit K.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2016-03-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Failure to pay my property taxes by SLS, even though I have called them over 7 times and asked them to pay them. They refuse to call me back. Also, they paid the property taxes on another piece or property I own which was refunded to SLS in the amount of {$94.00} by the XXXX XXXX tax assessor who informed SLS that they paid the wrong taxes. SLS refuses to credit my escrow account for the refund. I faxed them a copy of the correct property tax assessment on or about XXXX XXXX, 2016, which they confirmed receipt of and yet they refuse to pay the property tax and refuse to call me back and/or speak with me. Now there are over {$100.00} in interest and penalties due in addition to the {$1500.00} in property taxes. I have made 7 or 8 phone calls in the last two months to no avail. The representative tells me they are researching the problem ; she then transfers me to a supervisor which goes directly to a voice mail. After leaving a long detailed message, I have not received one phone call back and the delinquent tax bill which is now 3 months overdue is still not paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: PART XXXX -- REAL ESTATE SETTLEMENT PROCEDURES ACT ( REGULATION X ) Subpart C -- Mortgage Servicing CFR XXXX ( b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). Specifically, I 'm requesting to know the identity of a true secured lender/creditor, and the existence of debt. Because of extensive criminal activity and fraud in this arena, I require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. CFR XXXX XXXX b ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ). I 've been asking for 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. In fact, XXXX XXXX Bank, XXXX, has been publicly out of business since XXXX. Please see attached document for verification and confirmation from the Federal Deposit Insurance Corporation. According to the FDIC, XXXX XXXX Bank, XXXX did [ n ] ot exist on XXXX XXXX, XXXX. The attached assignments of mortgage make it appears XXXX XXXX Bank, XXXX was an active company on XXXX XXXX.
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: 2016-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Loan was sold to Specialized Loan Servicing from XXXX XXXX in XXXX, XXXX. Received letter stating SLS is the new servicer in XXXX, XXXX. Never heard anything else until a voicemail message left on home phone on XXXX XXXX, XXXX stated we were delinquent. XXXX payment was received by XXXX on XXXX XXXX. I attempted to call SLS and set up automatic payment for XXXX, and SLS informed me that I would have to pay by check and set up for next month. Just received statement for XXXX/XXXX/XXXX stating that we are in arrears again for XXXX and XXXX payments. Sent in check for total amount, and today voicemail on home phone claiming we are in " serious delinquency ''. I still do n't know whether their system has taken our automatic payment, and if the payment is received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My wife and I have been pursuing a short sale on a house we own. The interest-only period adjusted on our property, and we can no longer afford the mortgage. The value of the house has depreciated to the point that it is not worth near what we owe on the house. We started the process in XXXX XXXX. We have a buyer who is willing to pay the full amount our real estate representatives calculated was a fair market price. After having all the paperwork together and all financing prepared by buyer, the mortgage changed hands from XXXX to SLS. After resubmitting everything and being very diligent with the paperwork, the closing date was moved three more times by SLS because they were not ready. This caused my buyer to re-secure financing because her original agreement expired. More inspections and appraisals followed until everything was ready by the buyer and, we assumed, SLS. On Monday, XXXX XXXX, XXXX, SLS informed me that my short sale had been rejected by the PMI provider. My real estate attourneys informed me that I needed to file an appeal. I contacted the PMI provider, XXXX XXXX, and they informed me that they did not reject the short sale, they actually accepted it with an {$8200.00} promissary. I contacted SLS about this and they did not have any record of this on file. After contacting XXXX again, and talking to another representative, they confirmed that they talked to an SLS rep named XXXX XXXX and told her that they accepted the offer with the {$8200.00} promissary. Rather than recording this offer, SLS closed out my short sale file Monday morning. This is not acting in my best interest. I would have been very receptive to this offer rather than having to start the whole short sale process over again. My buyer has been waiting around for over 8 months now, and I am in danger of them just walking away. This would result in me probably losing the house to foreclosure. At this point, we are desperate for help. SLS is not doing what the government says the lenders should to provide foreclosure alternatives to us homeowners. They had a good offer that they refused to notify me about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-03-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX XXXX sold my loan to SLS www.sls.net on XXXX/XXXX/2015. XXXX sent my payments during transition via wire transfer. SLS never credited $ XXXX in funds ( transaction # s, dates, times all provided in writing ), then said they would foreclose because we had not paid. Made payments through bank online bill pay and have documentation, next they began returning online payments because the account was closed. Sent XXXX cashier 's checks totaling another XXXX they have never acknowledged payment for and now say we owe them a huge amount of money. They are also not properly paying our taxes which are in escrow in our payment. Our home has $ XXXX in equity in a very desirable area for schools, etc. We know they want to take the property and sell it quickly. We do n't know where to go for advice that is legitimate. XXXX XXXX ( XXXX XXXX XXXX
Company Response:
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2016-03-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-03-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX/XXXX/XXXX, my mortgage servicer ( XXXX ) notified me the rate on my ARM was going up to 3.625 % from 3.25 % and my payment as of XXXX/XXXX/XXXX would be {$940.00}, up from {$910.00} the year before. On XXXX/XXXX/XXXX I got notice from XXXX that they would no longer be servicing my mortgage. All payments due on or after XXXX/XXXX/XXXX were to be paid to Specialized Loan Servicing ( SLS ). Nothing else would change. So I sent XXXX 's payment due XXXX/XXXX/XXXX to XXXX on XXXX/XXXX/XXXX and they received it XXXX/XXXX/XXXX. I have copies of the cancelled check. XXXX 's payment has been received and verified by XXXX. XX/XX/XXXX my wife called SLS to verify our account number, payment amount and where to send it since this was our first payment to them and we did n't have a statement from them yet. They verified the account # and address but the amount due was now {$58.00} higher per month, up to {$1000.00}, even though nothing was supposed to change and the interest rate was still the same. I have a letter from SLS stating " No other terms of your note and mortgage will change ''. My wife went back and forth with them on this a little bit before I got involved. When I did I asked for an amortization schedule showing how they arrived at this new amount totaling an additional {$700.00} per year. Numbers do n't lie. Amortize {$180000.00} over 290 months at a rate of 3.625 % with a payment of {$1000.00}. It wo n't work. They sent me an amortization schedule with the wrong balance because they are saying I did n't make XXXX 's payment and they used a rate of 3.25 % with a payment of {$910.00}! Since then I have spoken with XXXX or XXXX representatives from SLS. Not one of them can tell me where the additional {$58.00} comes from. I pay my own insurance and my own property taxes. They have never said that was where the additional monthly amount came from. They go to talk to a supervisor and then they rush me off the phone. I have sent them a qualified written request for information in the form of an email and I have not gotten a response. I have since been told my account in delinquent and that they have not received XXXX 's payment. I have informed them multiple times that it was sent to XXXX and that they need to contact them if they think it belongs to them. They have not. They still say it is delinquent and that I have not made a payment since XXXX. The week of XXXX XXXX I received XXXX letters of intent to foreclose, so I sent them XXXX types of proof of my payment to XXXX, I sent them the interest rate increase notification with the new amount and rate and the copy of their letter stating nothing will change, I sent them XXXX 's and XXXX 's payments for {$940.00} each, so I am current until XXXX XXXX. Today they sent a photographer out to my house to proceed with the foreclosure. I have not received any communication from them whatsoever other than threatening to foreclose for payments I have not missed. They offered to modify my loan and stretch out my mortgage with lower payments. Which I think is one of their intentions ; to re-write my loan. I do n't need lower payments. I need an honest mortgage servicer that is not trying to steal my home. My loan to value is about XXXX %. This has moved from a notice of a delinquent payment to foreclosure at lightning speed. About 4 weeks, maybe less. Especially when I have n't missed a payment. Now they likely wo n't cash XXXX 's and XXXX 's payments because they consider them partial payments even though I sent documentation that {$940.00} is the correct amount. No one calls me back or even acknowledges me. I can no longer attribute treatment like this to incompetence. I think something criminal is going on. For one, they will make money on my home based on loan to value. They have never contacted XXXX for XXXX 's payment. Four weeks from " delinquent '', which I am not, to foreclosure!? Unheard of!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53105
Submitted Via: Web
Date Sent: 2016-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am disputing the total amount outstanding on a home equity loan written by XXXX and serviced by Specialized Loan Servicing ( SLS ). I have been trying unsuccessfully to get a transactions history on this account and a copy of the original note for more than two weeks now. My understanding is that XXXX still holds the home equity loan ( I receive my tax documents from XXXX ) but that SLS handles payment, customer service and account inquiries for XXXX. I called XXXX regarding the account history and original loan documentation, I was informed that they could not help me and I would have to contact SLS. When I contacted SLS more than XXXX weeks ago, the representative I spoke with said that she placed an order for the account history and original note paperwork, and I could expect to receive it via USPS within a week. When I called SLS back today to inquire as to the status of the history and the copy of the note, I was informed by a different representative that the initial request made two weeks ago was " invalid '' and nothing had been ordered. When I asked why I was not notified, she indicated that it was not their policy to advise customers of invalid orders, she was sorry for the delay, but there was nothing she could do except try and submit the request again, which could take an additional two weeks for processing and delivery. I explained to her that the loan was coming due in 45 days and I needed this history, along with a copy of the original note from 10 years ago, as soon as possible because I was disputing the amount outstanding. She reviewed my account, and provided a verbal history of the account : when the home equity loan was originated, the initial draw amount, the interest rate, etc. The original draw amount and interest rate did not align with my recollection, and I indicated this to her. She responded by saying that she was " not in the business of falsifying documents '' ( I never suggested that she falsified any documents - I simply requested information about the account ) and my recollection must be incorrect and my records were incomplete, otherwise I would not be requesting a copy of the note and the history in the first place. I do not dispute that there is a balance on this home equity account. I do, however, dispute the total amount outstanding, the adjustable rate ( my recollection is that the original note was for a fixed rate ), and the fact that SLS is characterizing the loan as a HELOC - my original understanding was that this was NOT a line of credit, and I would like to see all transactions ( payments and draws against the line of credit ) to verify the amount outstanding to pay off and close this account. I am simply asking for information about my account, and SLS is making it extremely difficult to obtain this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2016-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-02-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Friday, XXXX XXXX, XXXX Specialized Loan Services ( SLS ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Dear SLS : Thank you for the response to my letter dated XXXX XXXX, XXXX, regarding validation of debt for the mortgage account number XXXX. As you indicate, you have found no errors in the documents you relied on in reaching your determination. Please provide the documents you relied upon in reaching your determination to me. To expedite a resolution, please review this summary of facts, including the identification of documents, that I rely on to question the validity of the debt claim by XXXX XXXX XXXX ( XXXX ) on mortgage account number XXXX, your efforts to collect the XXXX debt including placing my account in past due status adverse to my credit records. XXXX XXXX Bankruptcy Trustee final payment XX/XX/XXXX XXXX demanded {$3100.00} for XX/XX/XXXX Mortgage Payment Contacted XXXX and questioned the demand XXXX denied making an error in demanding {$3100.00} Paid RCS {$3100.00} XX/XX/XXXX XXXX loan account number XXXX showed : XXXX applied the {$3100.00} payment in XXXX to a prior claim of debt in XXXX XXXX XXXX applied prior payments under bankruptcy to a prior claim of debt XXXX XXXX XXXX applied prior payments under bankruptcy to a prior claim of debt in XXXX XXXX Contacted XXXX and questioned the financial practice of applying payments made to the Bankruptcy Trustee and my XX/XX/XXXX payment to prior claims of debt in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. XXXX asserted the right to collect past due debts from XXXX XXXX forward, representing a total of {$26000.00}, including {$900.00} in legal fees. Paid XXXX {$1600.00}, the mortgage payment due under the terms of my bankruptcy plan. Raised the issue about court documents submitted by XXXX attesting to the fact that all monies owed on mortgage loan number XXXX, in Bankruptcy, were paid and mortgage loan number XXXX, was current and in good standing. XXXX filed a notice of mortgage change to take effect XXXX XXXX, XXXX, in the amount {$3100.00} XXXX XXXX acknowledged an error. XXXX recalculated the loan transaction history indicating payments had been received through XXXX XXXX, XXXX XXXX transferred the loan to SLS XXXX XXXX Paid SLS {$3100.00} for XX/XX/XXXX mortgage SLS applied funds to debt claimed by XXXX for the XX/XX/XXXX Mortgage XX/XX/XXXX Notified SLS in writing that the debt claimed by XXXX is disputed Paid SLS {$3100.00} for XX/XX/XXXX mortgage SLS finds no error in the documents researched The documents relied on to question the validity of the debt claimed by XXXX include court documents, mortgage payment receipts, and online mortgage records maintained by XXXX. The court documents filed by XXXX regarding mortgage loan XXXX, the amount, {$19000.00}, to cure the default in the Notice of Final Cure Payment confirmed that the default was cured and the mortgage loan payments were current as regards to post-petition payments as of XXXX XXXX, XXXX. XXXX did not mention additional debt including a debt for attorney 's fees in the amount of {$900.00} added to the loan and not collected. XXXX did not file a notice of change to the mortgage payment of {$1600.00}, as well. When confronted with court documents and the loan transaction history showing that XXXX reported one set of facts, no outstanding debt, to the court ; and another set of facts to me, {$26000.00} in outstanding debt, XXXX adjusted the set of facts used to collect, from me, additional debt occurring during bankruptcy. XXXX engaged in backdating payments for a total of {$4800.00} in overpayments for a period of three months on a claim of debt. My XX/XX/XXXX and XX/XX/XXXX mortgage payment receipts to XXXX total {$4700.00}, or approximately {$1500.00} over the actual amount due in XX/XX/XXXX and XX/XX/XXXX. This overage vanishes under XXXX financial accounting practices, which appear to apply overages in escrow to pay
Company Response: Company chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2016-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No