Date Received: 2023-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My insurance company sent me a check for XXXX of the funds to replace my roof. The mortgage company ( on the phone ) said to mail them the check and they would endorse it and mail it back. I mailed it to them with a tracking number and it is documented on insuranceclaimcheck.com that they received it XX/XX/2023. I called them around XX/XX/XXXX and they said the check for {$5600.00} was {$610.00} over their amount they could send back and they began a " request process '' to request that the entire check be released. I called them again a week ago and they said they could not discuss the check with me and to contact myinsuranceclaimcheck.com. When I contacted them, they claimed the check was mailed back without a tracking number ( after requiring me to mail it overnight with a tracking number ). The check never came and I am getting it reissued from the insurance company and going through this process all over again. My roofers are waiting to start and a month later, I still don't have the check. My loan is current, but I was behind when I originally mailed them the check. The attached conversation shows where the mortgage company is holding the check hostage and not releasing funds " due to the status of my loan '' at the time I mailed them the check. This is MY insurance policy. I pay the bill. The mortgage company does NOT have the right not hold MY insurance funds. I want EVERYTHING released immediately so I can get my roofers started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40241
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan is paid in full. The servicing loan company refuses to give me original satisfaction of mortgage or release. I must register with my county clerk. They are required original documents. The servicing loancompany also has not given said document to the clerk office .I can't file withOut the cover page accompany with my orgionalmortgage release satisfaction document. I have constantly asked for the original release with the seal. Several times to no avail. My cover letter to the county clerk requires the original mort gage satisfaction release. Please Help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We had a forebearance. XXXX XXXX sold loan to Sls. I had XXXX in unapplied funds, was told we needed to update paperwork to sls to be able to put funds towards payment. Did paperwork. Called to make payment using unapplied funds. Money was put towards interest. Was told they would reverse it and get money back to unapplied funds. Never happened. Asked why loan was changed from 30 year to 40 year. No logic in explanation. Asked why the forebearance amount was not just added to endvof loan. Told I was in forebearance too long. Called for update and let them know our son took his life and they offered three additional months of forebearance, told it would not change being added to end of loan. Called constantly. Told I have to get caught up on all payments asap. Told money never went to interest. Shady company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44039
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The original company that owned the loan was XXXX. They had a reporting issue with their data. They fixed it and took it off our credit because they realized they never reported us late but then suddenly had a 120 day late which was not true. we tried to close on the house ( selling it ) and XXXX was so messed up on our payoff it was crazy. we had to wait two months to close... we finally closed on XX/XX/XXXX, well we had no idea that they had sold the loan to Specialized loan services on XX/XX/XXXX. So they processed what XXXX turned in to them which was incorrect. Now the Specialized Loan Services that we never even dealt with has effected our credit. We are now trying to close on our newly built home and now realize we have a 120 day late ruining us which is ridiculous! The company never even reported insurance/escrow as the home closed. So I had to send closing documents to the insurance. I am unsure what to do about escrow or anything else... I have never had anything happen like this which is CRAZY the amount of phone calls and letters I am having to write to try and get this fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76240
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As SLS failed to address most of my prior issues, we will try again. I will number them and use small words. Maybe that will help. 1. Apology NOT accepted for SLS failing to have my information on record. An apology does nothing to address the stress caused by being locked out of communicating for a month, unable to even start trying to resolve the multiple errors. SLS needs to ensure that never happens to anyone ever again. Preferably, CFPB should ensure SLS never does that to anyone ever again. 2. The documentation provided in the SLS response to the previous complaint clearly shows the tax payment made XX/XX/XXXX. There is no excuse for SLS duplicating this payment. I expect an explanation AND written confirmation that the lowered escrow amount due to SLS 's error will NOT factor into the next escrow analysis. 3. The payments (? ) summary provided does not include ANY monthly payments. Provide documentation of the monthly payments made for XXXX, XXXX, and XXXX. 4. The statements received from SLS do not reflect any principal or escrow payments made in XXXX ( " Paid Year to Date '' ). This is false. Principal YTD {$4800.00}, Escrow {$5700.00}. Clearly shown on final XXXX statement. SLS needs to explain why it does not show these AND ensure these amounts are reflected going forward. 5. Forbearance : " Regarding the claim that SLS did not honor a forbearance approved by the prior servicer, we respectfully disagree. Enclosed is a copy of the forbearance confirmation sent to you, detailing the account was in a forbearance that began on XX/XX/XXXX and the end date of the forbearance is XX/XX/XXXX. '' SLS 's " respectful disagreement '' is completely WRONG. As previously stated, the loan was in forbearance with XXXX since XX/XX/XXXX. XX/XX/XXXX is not correct or acceptable. In addition, the SLS forbearance letter states it ( SLS ) is instituting the forbearance plan ( which, if true, would be wholly unacceptable as it did not consult with me to do so ). SLS is claiming that my complaint - that it did not properly transfer the forbearance plan already in place- is incorrect, but its own response and supporting documentation shows it ( SLS ) does not acknowledge a XXXX forbearance plan or reference the correct date. 6. That SLS failed to correctly apply the forbearance plan ties directly to its claim that the XX/XX/XXXX payment was " due ''. As the loan was in CARES Act COVID forbearance - and had been so since XX/XX/XXXX, and had been extended through XX/XX/XXXX with XXXX, no payment was or is currently required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Starting in XX/XX/XXXX My ex-husband was court ordered to pay all expenses associated with the house. This did not happen and the mortgage co and its legal reps harassed, stalked and threatened legal action if i did pay a loan I did not own. In XXXX XXXX XXXX ex husband was awarded the house and I in his Attorney 'S office signed the house over. He was too get it refinanced and out of my name and ownership/loan contracts. Due to extreme intimate partner violence as stated in PA 21-78 these mortgage reps and banks colluded with my ex husband to corrupt my finances, damage my credit and economic abilities as a protected person ( female, mental and physical XXXX and XXXX ) and have harmed me to the point of permeanant XXXX. Starting in XX/XX/XXXX I received notice of foreclosures and the litigation process, I could in no way avoid. My ex Never communicated with the bank, attorney 's or mortgage company to settle his affairs. Liens have been placed on the home and he filed fraudulently for bankruptcy leaving me holding the debt that I am legally supposed to be held harmless from and violates basic professional conduct but also violates CGS46b-1. I also frequently communicated with the bank/mortgage companies and they were aware of the financial XXXX. I then was served XX/XX/XXXX with the lawsuit and those other people who gave him services he never paid. I should not be involved in any of this mess. It is costing me my sanity, health, financial duress to the point of becoming indigent. I have rights, especially as a XXXX person. Attorney 's are empowering this abuse and taking advantage of a battered woman 's financial exploitation and multiplying it. It is unethical and I feel this is a hate crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to negotiate with XXXX XXXX, my initial mortgage holder, for nearly 3 years to help me and offer me loan forgiveness or a loan modification. For nearly 9 months, they claimed they didn't have all information requested, reassigned the loan, lost the file, etc. The best they said they could do was offer a loan forebearance. I applied for assistance with XXXX on XXXX XXXX, XXXX. XXXX requested an I-record from XXXX XXXX within a few days but Wells FAILED TO RESPOND TO XXXX. Then, XXXX NEVER responded to XXXX 's request for information on my loan because they were too busy off-loading/selling my loan. This caused several weeks FURTHER delay with XXXX. Finally, I was notified that SLS was now in control of my loan on XX/XX/XXXX. XXXX XXXX caused a dely or over 4 months. I had to re-apply with XXXX with this new information. I did this in XXXX, XXXX. Now, its XX/XX/XXXX and XXXX is saying XXXX hasn't responded to their request for my I-record. It has been over 8 weeks and they keep telling me to allow 5-7days! Well, they apparently had the incorrect loan number, which they discovered and fixed. Now, they have the correct loan number and insist they've requested the I-record from SLS several times. HOWEVER, I HAVE CALLED SLS OVER 10 TIMES TO VERIFY THEY'VE RECEIVED THE REQUEST FROM XXXX BUT THEY SAY THEY HAVEN'T. SO, I FILED A COMPLAINT AGAINST THEM FOR " FAILURE TO RESPOND ''. TODAY, IF RECEIVE AN EMAIL FROM SLS STATING TO HAVE XXXX CONTACT THEM AT A DIFFERENT EMAIL ADDRESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan with SLS was service released. I never received any notification from either SLS or the new servicer. Now my payment is late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been dealing with XXXX XXXX for nearly 24 months regarding loan modification, loan forbearance, etc. They have given us the run around for over 24months and THEY HAVE NOT RESPONDED TO OUR INQUIRIES on a timely basis. We have applied for Federal Assistance with the IHAF and entered our application with the government agency on XXXX/XXXX/XXXX. When XXXX XXXX sold my mortgage to SLS on or about XX/XX/2023, it screwed up the entire XXXX application process as IHAF was still reaching out to XXXX XXXX who failed to respond because they no longer held the loan. We went back in to the IHAF application and notified them that we were notified that the mortgage provider had now changed to SLS. As of today, XX/XX/2023, IHAF has said that they have reached out to SLS numberous times to obtain some verification called an " i record ''. Even though I have uploaded the most recent default letter received from SLS to IHAF, containing proof of mortgage, loan number, deliquency amount, etc., they still apparently need verficiation from SLS. Today, we called SLS 3 times and following automated verification of my loan information, recieved a voicemail asking to call back during normal business hours. The 3 calls we made to SLS TODAY were made between XXXX and XXXX, CST, which is within their normal business hours. They apparently do not have anyone answering their calls today. We called 2 different numbers : ( XXXX ) XXXX and ( XXXX ) XXXX. In addition to not answering our calls today during standard business hours, they insist they haven't received a request for an irecord from IHAF however, when speaking to supervisor XXXX today, at IHAF, she indicated it has been sent and we would have to wait up to 7days for them to respond. We are out of time and have done all we know how to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is in response to their response. Which was they are researching and will advise as soon as possible. Which is what they told me almost 4 months ago. In the mean time I am still required to pay higher payment. I feel like this is their response to keep delaying it. It doesnt take 4 months to come up with an answer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A