Date Received: 2015-09-14
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.
Company Response: Company chooses not to provide a public response
State: OR
Zip: 97132
Submitted Via: Web
Date Sent: 2015-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-12
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My home loan has been transferred from XXXX, then XXXX, SLS secure loan services, all three of them told me I would qualify for a modification yet to the date SLS gives me the run around sends me all the information and never return a call to see if I qualify then I call and they say yes we got your paper work but the time limit had expired, I 'm like what?? Then they go also, u forgot to fill in certain sections, so it 's expired I have to send you another package I have had XXXX packages and according to them they are wrong now I 'm facing foreclosure and there I 'm loosing my home and no modification, I think this company is just a answering service cause they just do the same thing over and over and I 'm sure there is other people who are going through the same thing, this company needs to be looked at, there is something very wrong here
Company Response: Company chooses not to provide a public response
State: TX
Zip: 799XX
Submitted Via: Web
Date Sent: 2015-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Over two years ago I made a loan on a property to a " friend '' from my IRA. The " friend '' stopped paying on the loan and I therefore foreclosed on the property, XXXX XXXX XXXX, XXXX, Ca. XXXX. The XXXX on the loan was taken out by XXXX XXXX and the loan is serviced by Special Loan Servicing phone # XXXX. My escrow co., representative XXXX XXXX sent a Payoff request after the current trust deed with my name on it had been sent twice to Special Loan Services. They refused to release the Payoff statement, and insisted that I needed the permission of the previous owner, the one I foreclosed on because he was over two years in arrears on my loan. This is against the law, according to Cal. Civil Code 2924c ( a ) ( 1 ) and ( c ) and also Cal Civil Code 2904-2905 i.e. When a senior lien against a real property is in foreclosure, the holder of the junior lien has the right to reinstate the senior debt ... etc. which I am certain that your agency is familiar with. Then, after I threatened with the law, they sent the payoff request. However, when I faxed in my insurance co. authorization of the insurance on the property, they said they could not accept it without again the former property owner 's ok. Please straighten these people out_ I paid over {$18000.00} to " catch up '' with the mortgage, which the previous owner stopped paying on over 5 months ago. Special Loan Services refuse to 1. place my name on the mortgage, 2. release any information on the costs to me and 3 allow me access on their website for info. I am the owner now, yet do not have access to information-I have to pay yet they refuse to tell me about the charges. They will not accept my insurance and continue to have the insurance they chose on my loan. Please help me asap. Thank you, XXXX XXXX new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX SLS loan no. XXXX. If you need any specific documents please contact me. XXXX, XXXX XXXX XXXX, XXXX, Ca. XXXX
Company Response: Company chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2015-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a HELOC in the amount of approx {$5000.00} managed by Specialized Loan Service, in my original complaint number XXXX i requested that they correctly record this lien XX/XX/XXXX. That actually happened XX/XX/XXXX. I received this response from SLS XX/XX/XXXX at my request to proceed with refinance keeping this smaller loan as a XXXX. This is a very vague non answer. I am looking to refinance approx XXXX on a property valued at XXXX. I feel this is a retaliation based on multiple calls, complaint here and with corporate office. SLS has never responded to initial complaint. Feels like shady business practice. By the way my XXXX score is over XXXXGood Morning, The CLTV requirement and the reason for the loan amount increase is a requirement from the investor. This is not an SLS requirement, but an investor requirement. The only way we can approve the subordination is if the new loan amount is at the lowered amount. I see that we received documents at the lowered loan amount of {$53000.00} and that sub will be approved and sent this afternoon. Thank you, XXXX XXXX XXXX XXXXSpecialized Loan Servicing XXXX XXXX XXXX, XXXX XXXX XXXX CO XXXX complaint
Company Response: Company chooses not to provide a public response
State: IN
Zip: 46815
Submitted Via: Web
Date Sent: 2015-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-09
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX was give a trial plan by SLS.. He made the XXXX payments. SLS then said he failed the modification because he did not return the correct modification paperwork. He said he never got them and could they resend them. SLS said they were sent to his XXXX XXXX . POst office had no record. SLS then emailed him the paperwork. But the paperwork they kept sending him in XXXX. XXXX and XXXX was not the modification documents but the letter stating he was approved for hamp tier 1 with the NPV values. He signed it and returned it.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2015-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX XXXX XXXX repeatedly called me harrassing me about payment of my mortgage loan even after I repeatedly told them I was working to modify my loan. They called dozens and dozens of times and I understand that this is not allowed under current laws. They strung me along for over 3 years, repeatedly asking for more and more information to modify my loan. Then when it would seem to be nearing a point where loan would be modified, they sold the loan to another company, which told me I would need to start the process all over again with new and updated information. My loan is currently held by SLS Mortgage which raised my mortgage rate to 6.675 % with only one week notice. I am now unable to afford my mortgage and they have advised that I will suffer foreclosure if I can not pay my mortgage. I have exhausted all of my savings and sold everything I possibly can to continue to make mortgage payments in full and on time. In order to keep my home, I need immediate help to modify my loan to an affordable interest rate, and I do n't think this is too much to ask since rates are now aroung 3 % and they are charging me 6.675 %, clearly a predatory rate. I am a widow of a XXXX veteran. Never did I or my husband ever imagine I would be in this position at XXXX years of age. I am frustrated and fearful beyond imagination that I will lose my home. Please please help me in any way you can. Sincerely, XXXX XXXX
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2015-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-04
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX of 2015, I applied for a loan modification with my current mortgage holder for my permanent residence. I received paperwork stating I was granted a trial modification in the amount {$770.00}. It stated that if I were to make XXXX consecutive payments of {$770.00}, my loan would then be reevaluated and a permanent modification offer would be made. I made XXXX consecutive payments in the amount of {$770.00} in XXXX 2015, XXXX 2015, and XXXX 2015. Around XX/XX/XXXX, I still had not received any information via mail or email telling me if I was approved or turned down for a permanent loan modification. That day I called in and spoke with a gentleman and asked if he could tell me whether my loan modification had been approved or denied. He informed me that my loan modification was still pending review and a decision had not yet been made. He told me to call back next week for an update. On XXXX XXXX, 2015, I received an email containing documents that stated on XXXX XXXX, 2015 I notified SLS that I chose not to accept their offer. Therefore, my loan modification was denied. That day, I called in and spoke with my Customer Service Reprentative by the name of XXXX and I told her that I never received any paperwork from SLS offering me any type of permanent loan modification. She proceeded to tell me that per her notes, the documents were delivered to my home on XXXX XXXX, 2015 by XXXX and left on the front porch. I told her again that I did not get the documents and asked her what could be done. She said she would have to email the underwriting department to see if they could reopen my case and resend the paperwork or if I would have to reapply. She also said that per her notes, she did see where I had called in back in XX/XX/XXXX and was told that my case was still pending. She said that information was incorrect and that my permanent loan modification offer had already been mailed out prior to that phone call. The customer service representative was just mistaken. I then asked her how SLS could make me a permanent loan modification offer in XXXX of 2015 when I had only made XXXX of the XXXX trial period payments that were mandatory in order to get approved for a permanent offer. My last trial payment was in XXXX of 2015. She then proceeded to say that maybe they had enough funds in the account after my XXXX trial payment to go ahead and make a decision on my loan in XX/XX/XXXX. Then she said that she had just received a reply back from the underwriter saying that offer was no longer available and that I would have to reapply if I was still interested in a loan modification. I then asked her if she could send me a copy of the offer that was made she said she would have the documents resent to my home. As of today XXXX/XXXX/2015, I have not received a copy of the original offer the customer service representative said she would have sent out to me again. I did however receive a letter stating that I could write a letter and ask for a XXXX independent review of modification denial. In addition to this letter made to my attention was a second letter that belongs to another SLS customer. In this letter SLS is requesting specific documentation to complete their loan modification. The letter includes the customer 's name, loan number, and home address. This could very well be the reason why I did not receive my original paperwork. Maybe my documents were mailed to another SLS customer by mistake just as these were. I did not contact SLS and inform them of this horrific mistake made by their company. I faxed in the request for a XXXX independent review on XXXX/XXXX/2015. Please look into this matter further on my behalf.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2015-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: All of this started back in XXXX 2012 because my husband had surgery. We fell behind and we had requested to have our mortgage put into a locked in rate and in the HAMP program. They had us keep sending papers and nothing was ever done. Somewhere in the process our mortgage was sold from XXXX XXXX XXXX to SLS. Somewhere they had claimed we had a modification done. This was n't true, we had a mediation with the court and they were unable to provide us with this. They are trying to add {$100000.00} to our mortgage and want us to sign this for a house that is valued at {$120000.00}. This equals to $ XXXX.This is totally unfair and to me actual robbery in my opinion. How can they ask to add that kind of money to the loan. All we ever wanted was a lower rate. We wanted the rate to be lowered from 10 % to an affordable rate. Then we tried to hired an attorney because they served us papers and that scared us. So we do n't have her anymore. She was clearly taking advantage of us and all we ever wanted was to have the mortgage payment to were we can afford it. They are in the process of foreclosure and all we ever asked was for help.
Company Response: Company chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2015-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-03
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My original loan was with XXXX {$310000.00}. My mortgage was taken over by XXXX and later taken over by Specialized Loan Servicing LLC, servicer for XXXX. I did have a series of bad luck & XXXX. I am a XXXX, until I needed a XXXX that put me out of work for 6 months. Later I had to have a XXXX, then my surgeon told me that I could no longer XXXX. SLS kept telling me to reapply for a modification, but I was advised that even if I could make a payment that they will not accept it. I worked with XXXX in XXXX and we reapplied and SLS had a different reason to refuse a modification every time. This went on for three years, causing me to now owe about {$85000.00} in the arrears. my income did not meet 31 % toward mortgageI had too much equity so my NPV came out negative / they had over valued the housethey ran the numbers again and did not include my Fianc 's income, income was too lowthey ran the numbers again with his income as a contributor and the lower appraisal again a negative NPVthen they scheduled a Foreclose Auction DateI had to File Bankruptcy to figure out what to do next. I grew up in this home & raised my children in my home. I have some neighbors that we have known each other since 1960.
Company Response: Company chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2015-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes