Date Received: 2015-06-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Have been out of bankruptcy two years and my mortgage company is n't reporting to the credit bureau, my payment history.
Company Response:
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2015-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My mortgage was sold to Specialized Loan Servicing late last year. I signed closing documents yesterday to refinance the mortgage. One reason I refinanced was to get away from this company. I had grave concerns about it from reading reviews on XXXX. And now I fear I 've become a victim. I just read the HUD-1 closing statement line by line ( which I unfortunately did not do before signing it yesterday ) and in the payoff information, XXXX claimed a " late charge balance '' of {$150.00} when in fact, my transaction history with SLS shows NO late charges, ever. They also have charged me XXXX separate {$25.00} fees just to provide the payoff information to the new bank. The payoff also includes " 5 extra days '' of interest beyond the date the loan will be funded. I do n't know if this is legal or not. Someone needs to investigate and put a stop to this blatant fraud. I fear I may be stuck paying the bogus charge because I signed the document yesterday before noticing the charge, because the new bank has told me that I have to " take it up with them ''.
Company Response:
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2015-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-31
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2015-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 95037
Submitted Via: Web
Date Sent: 2015-06-03
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You
Company Response: Company chooses not to provide a public response
State: UT
Zip: 845XX
Submitted Via: Web
Date Sent: 2015-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had a negative loan amortization with originally XXXX xferred to XXXX XXXX XXXX and when I was in the midst of modification when the loan transferred to SLS. SLS, since day one advised me that I should foreclose and thats my only option. My loan mod attempts keeps getting denied without even being reviewed. They keep denying me due to incomplete package, but I am calling them every day, half hour after they told me the package was complete, they would deny my package due to incompleteness. They changed my account manager XXXX times in 2 weeks. they never returned my numerous calls back & I was calling them everyday. I have proof in writing that my acct mgrs were changed almost every other day in the past 3 weeksI offerd them a downpayment toward modification, to get a fixed interest rate, but no luck, they are not letting me make my regular monthly payment either. All I want from them is a fixed interest rate, so my loan amount doesnt increase due to a negative amortization. Now I have a trustee sale date for XX/XX/2015 right in the middle of modification. and after scheduling the date I was denied me due to incomplete packagte again. I did n't even find out about the trustee sale until the county sent me a letter yesterday,. They were trying to foreclose on me without letting me know.
Company Response:
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2015-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Specialized Loan Services acquired my loan from XXXX XXXX XXXX XXXX. XX/XX/XXXX I received a letter informing me that an escrow account has been established and a hazard insurance policy provided. I called SLS and gave them details of my existing hazard insurance policy and asked XXXX XXXX to send proof of insurance. SLS confirmed receipt of hazard insurance documents, cancelled the escrow account and issued a statement showing a credit for all escrow charges. However, when I reviewed my bank statement XX/XX/XXXX, I observed payments to SLS exceeded normal amounts that are automatic each month. After several calls to SLS, I was eventually told " a payment for hazard insurance was made to XXXX XXXX '' and the escrow account has been reestablished. When asked who requested or authorized the payment to XXXX XXXX, I was always referred to someone else. Attempts to reach XXXX XXXX, the account representative for XXXX XXXX have been without success. SLS continues to request monthly ACH payments from my bank account that include amounts for escrow. XXXX of SLS executive office was contacted and she insisted that the escrow account can not be discontinued although I explained and offered proof that I had already paid XXXX for hazard insurance and was never delinquent or tardy with payments of any sort. Telling her I will seek legal advice on the matter did not change anything. In fact she said I can go right ahead. My wife who was never involved with this issue received an email from XXXX XXXX saying a refund check was issued for hazard insurance. However, that check was never received.
Company Response:
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Completed Chapter XXXX bankruptcy in XXXX. Mortgage company contacted us in XXXX XXXX via mail to notify us that they are foreclosing on our home due to not receiving a payment from XXXX XXXX ( during our XXXX ). The payment in dispute was a check that was cashed by a previous mortgage company and right before the new mortgage company acquired the loan. The mortgage company was given a complete list of all payments that were made by the trustee with a XXXX owed balance at the time of discharge. In addition to this ledger, the mortgage company was supplied a copy of the cashed check that proves they cashed the check for the month they are disputing was never received. I have also provided them with a copy of the discharged bankruptcy that states they, as debt collectors, authorized us to be discharged and that there was no outstanding debt at the time of discharge. It is now 4 months later and the mortgage company has not resolved the issue. We were in the middle of selling this home and in the process of purchasing a new home. We have now had to take the home off the market, lost the opportunity to buy a new house, and have damaged credit. Even with all the evidence, the mortgage company continues to argue that they need more time to evaluate the loan documents. I am in jeopardy of losing a job offer because my credit history states I am " late '' since XXXX when I have provided proof that I have not been late since we entered into this bankruptcy and have never been late in submitting payments when we started making them on our own again. I literally call every single day and have been told since XXXX that they need an additional XXXX more days to review. The manager will not call me back, the supervisor says he 's " done all I can do '' and we are forced to lose the chance of selling our property, buying a new home, and ca n't even rent if we wanted to.
Company Response:
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-05-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Date : XXXXXXXXTo : SPECLOANSVXXXX XXXX XXXX XXXX XXXX XXXX CO XXXXFrom : XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXXRe : QWR Error Resolution Notice under 12 C.F.R. 1024.35Mortgage Loan Number : XXXXI am writing to request correction of the error 's described below in regard to the mortgage on my property at XXXX , VA XXXX. 1. Failure to provide accurate information about loss mitigation options. I was advised that I qualified for a loan modification under the XXXX affordable or hamp program and that I needed to fall delinquent on my payments. I made payments and those payments were not applied to my account which caused further delinquency and fees. 2. Failure to Credit multiple payments correctly to my mortgage loan account on the date that it was received by Special Loan Servicing and incorrect reporting of XXXX day late. The below dates being reported incorrectlyPayment Errors : Incorrect Reporting of Delinquency. Loan was never XXXX days delinquent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for Identity : Please provide to Identity and or contact information for the owner or assignee of the mortgage within XXXX business days. Desired Resolution of Error : Please update credit report to reflect the actual account status of current XXXX - XXXX. I was never past due as I was on a Interest Only ARM. Please remove all delinquent history and update my mortgage history as current for the above mentioned dates. If you need to contact me, I can be reached on my Cell at XXXX and my mailing address is XXXX VA XXXXSincerely, XXXX XXXX
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2015-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Dear Consumer Financial Protection Bureau, Servicing of my loan was transferred to Specialized Loan Servicing ( SLS ) on XXXX XXXX 2015 and I received my first billing statement dated XXXX XXXX 2015. The billing statement contained XXXX glaring errors, including incorrect balance, wrongly applied payment, incorrect finance charge, and incorrect calculation of next monthly payment. I submitted a qualified written request to SLS on XXXX XXXX 2015 clearly pointing out the errors, providing detailed explanations of the correct calculation of each element of the bill, and provided statements from the previous servicer demonstrating the correct calculation of the bill. I received a response from SLS which failed to correct or even address XXXX of the XXXX errors. The response merely noted that " our records indicate that the payment received XXXX XXXX, 2015 has been adjusted with a reversal of {$1600.00} from the payment and applying it to the principal as of XXXX XXXX, 2015. '' This amount is incorrect and no explanation was given for how they arrived at this amount. The correct adjustment was clearly explained in my letter. Their response failed to even address the other XXXX errors regarding the incorrect balance, incorrect calculation of interest, and incorrect calculation of next monthly payment. Therefore, the response received from SLS did not satisfy the legal requirement under the Real Estate Settlement Procedures Act to either correct or explain the errors pointed out in my qualified written request. Thank you for your assistance.
Company Response:
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2015-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No