Date Received: 2015-09-01
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have been sending on time payments to SLS monthly since XXXX 2014. I have an issue with their record keeping as they still show that my next payment due isstill owed. I have paid {$2000.00} per month up until last month and rather than applying thefunds, just suspend the additional money. I have had to call them everymonth to request that they apply the funds to the principle. It is extremely difficult to follow their record keeping to the point that I am not sure that my balance isactually correct. Is there any way I can request an audit? I am veryfrustrated with this company.
Company Response: Company chooses not to provide a public response
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2015-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-01
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: I had a loan that was sold to a different mortgage company that had derogatory remarks on my credit report I have a XXXX balance with them. I would like to get this taken of my credit score can you please help me out on what steps i need to take, to have it removed.
Company Response:
State: ID
Zip: 83301
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Since XXXX 2013 when Specialized Loan Services was assigned as Service Provider for my loan, they have refused to send me monthly statements, respond to my written requests ( and via multiple phone calls ) for explanation of misc charges applied to my account. They will not tell me where the overage of {$520.00} in payments I made went to ( was not applied to principal or put in escrow ) and they continue to raise my mortage payment.
Company Response: Company chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.
Company Response:
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX issues:1. My XXXX payment was made on XXXX XXXX, 2015 and was not credited to my account until after I emailed the CEO, XXXX XXXX, on XXXX XXXX, 2015. In my email, XXXX of the things I requested as follow-up was a written response informing me if my XXXX payment was reported as a delinquency to the credit bureaus. I never received a response and would like an update. 2. My XXXX payment was made on XXXX XXXX, 2015 and has n't been credited to my account.
Company Response:
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We used a purchase money second in XXXX of {$150000.00} to avoid property mortgage insurance. Both predatory loans originated with XXXX, transferred to XXXX, and then XXXX went to XXXX and XXXX to Specialized Loan Servicing. XXXX modified our XXXX and said they were doing the XXXX. We received a welcome letter from XXXX bank and called XXXX to ask about our modification. XXXX told us to shred welcome letter and that it was a scam. Reassured us that XXXX was in for modification. XXXX said we needed to file a bankruptcy in order to initiate modification of our XXXX. We filed a Chapter XXXX in XXXX, called SLS in XXXX to resolve situation of modification with them. They wanted a lump sum buyout and would n't talk to us due to bankruptcy even though our attorneys sent in an authorization for them to speak directly with us and even though BAC did modification on our XXXX when we already filed bankruptcy. SLS capitalized the interest on the loan to where it 's approximately {$40000.00} above the original {$150000.00} borrowed loan amount. After our discharge on XXXX/XXXX/XXXX, XXXX offered a structured settlement to pay back approximately {$190000.00}, but they have n't put offer in writing. We 've requested a QWR and a forensic audit of the file from date of inception of loan, and XXXX has refused in writing to supply this documentation. Please see lengthy attached paperwork including letters to XXXX Office of the President, Office of Comptroller of the Currency, XXXX XXXX 's office to try and resolve our mortgage issues.
Company Response:
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2015-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to apply for a loan modification with my loan servicer SLS ( Specialized Loan Servicer ) lender, I keep getting the run around I have sent complete income packages, and my lender keeps on lying, playing with me. I first receive phone calls that they have received the package, then they tell me that they are missing a few documents, which I sent back right away, then I get a phone call that they did not received a complete package. I have sent my documents over XXXX times and they keep on loosing my document, ( this is not a game this, I became XXXX this is XXXX of the reasons why I felt behind on my home. Is also very difficult to call SLS, every time I have tried to call them I ca n't get through, ( only when they call me )
Company Response:
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2015-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I had my home mortgage with XXXX Bank with monthly payments of {$520.00} dollars. My mortgage got sold to SLS ( Specialized Loan Services Company with address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX. SLS company has continuously increased my mortgage payment from {$520.00} up to {$2100.00} in some instances. Please refer to letter with a detailed description of each monthly payment and all monthly mortgage increases from SLS. I urgently need your help in order to resoleve this matter.XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXSpecialized Loan ServicesAttention : Executive DepartmentXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX, XXXX : Request for Loan Payment History from XX/XX/XXXX to XX/XX/XXXX and reasons for charging all " Other fees '', " corporate fees '' and many " other fees increasing my mortgage payment by 50 %. Dear Sir/Madam, My loan number XXXX was purchased from XXXX Bank by your company, SLS ( Specialized Loan Services ) since XX/XX/XXXX. I made my timely payment to XXXX for the months of XX/XX/XXXX and XX/XX/XXXX because I was unaware of my mortgage being sold by XXXX Bank to your company. Unfortunately your company did not credit my loan account. Instead your company over charged me retroactively for the months of XX/XX/XXXX and XX/XX/XXXX. Furthermore, your company has consistently increased my monthly mortgage payment in some cases from {$580.00} to {$2100.00}. Please see below a summary of my payments which I retrieved from my bank statements. Please notice that this list is " not-all inclusive ''. There were at least XXXX additional payments made via phone for which I did not see any credits to my loan number with your companyDATEMONTHLY MORTGAGE PAYMENT SET BY CLOSING DOCUMENTS WITH XXXX BANK MORTGAGE AMOUNT CHARGED BY SLS ( SPECIALIZED LOAN SERVICES ) MORTGAGE PAYMENTS MADE BY ME ( XXXX XXXX ) TO YOUR SLS COMPANY MORTGAGE AMOUNT INCREASE FORCED BY SLS ( SPECIALIZED LOAN SERVICES ) TO XXXX XXXX 'S MORTGAGE WITHOUT ANY ADVANCED NOTICE OR EXPLANATIONXX/XX/XXXX {$520.00} {$580.00} {$580.00} $ XXXX {$520.00} {$590.00} {$580.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$590.00} {$590.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$2100.00} {$2100.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$730.00} {$730.00} $ XXXX Mortgage Payments Made BY XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX TO SLS XXXX Mortgage Amounts charged by SLS from XX/XX/XXXX to XXXX XXXX mortgage amount increase by SLS and forced for payment to XXXX XXXX 's loan # XXXX $ XXXX Mortgage Amount from XXXX 2014 to XXXX 2015 XXXX XXXX only had to pay according to XXXX Bank Closing papers {$520.00} X XXXX Months = XXXX XXXX Mortgage Overpayment made by XXXX XXXX under demands and pressures of SLS ( Specialized Loan Services ) otherwise they threaten to foreclose on XXXX XXXX House $ XXXX $ XXXX {$2200.00} After reviewing table above it is obvious that SLS ( Specialized Loan Services Company is using predatory lending practices in order to force me into foreclosure. Furthermore, SLS ( Specialized Loan Services ) has deprived me from accessing my house since XX/XX/XXXX. Even though my mortgage paymen5ts were made on time until previous month, XX/XX/XXXX. The front door and locks of my house located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX, were changed by SLS Company. I had to drive back all the way from XXXX, XXXX to XXXX, XXXX where my son lives in order to have a place to stay. Despite my numerous phone calls, emails, faxes and letters sent via fax and certified mail, SLS ( Specialized Loan Services Company ) is still reluctant to let me into my own house and tot stop their overcharges.
Company Response:
State: WI
Zip: 53204
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.
Company Response:
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2015-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-12
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2015-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No