Date Received: 2015-05-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: SLS is Falsely Claiming they are representing and that it was contracted by the owner of the mortgage Loan, to service the '' account ''. SLS Representative XXXX ID # XXXX is claiming XXXX Bank XXXX is still doing Business as of XX/XX/XXXX in their letter. SLS Rep. XXXX also provided an " Endorsed Note '' with XXXX XXXX XXXX as Lender to the CFPB in case # XXXX. XXXX XXXX XXXX has been Defunct since XX/XX/XXXX How is this Possible for XXXX Bank XXXX to transfer or conduct any Type of Business after XX/XX/XXXX? SLS also claims the " account '' was " Charged OFF " by the prior servicer? XXXX ) Who was or is the servicer they speak of? XXXX ) Did SLS Purchase This alleged DEBT? XXXX ) What gave them the Right to post False information onto my Credit Timeline? XXXX ) Who Did SLS acquire this Account from? XXXX ) Was this Debt purchased by SLS? XXXX XXXX Provide accurate Accounting according to XXXX. XXXX ) Is it a Mortgage Loan or a Line of Credit? If Neither provide what type of account this is. XXXX ) If prior SERVICER charged off account why is SLS claiming they did on my credit Timeline? XXXX ) What is SLS claiming is owed if already charged off? SLS has Violated The FDCPA, FCRA, GLB, and is Defrauding Consumers and the Government and with their False Claims, Unjust enrichment and Backdating and presenting False information and Documents
Company Response:
State: CA
Zip: 91765
Submitted Via: Web
Date Sent: 2015-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SLS sent me another request for documents, requesting the same documents which I previously provided several times. I resent those records today, and then sent additional documents. SLS also again personally harassed me today, even after I have reported a similar incident. This morning, a car pulled into my driveway, rang my doorbell and then waited in my driveway for me for several minutes. I went out and asked what was going on, and a woman exited her car and said that she was from " SLS '' and that she had come to see if anyone was living at my home and also told me to call my mortgage company immediately. She also said that she left something on my doorstep. This is the same thing that happened to me a few weeks ago. I asked her if she had ever been at my home before, and she said no, but she looked like the same woman and the same passenger who had come to my home previously. She left me a " confidential '' note on my doorstep, but waited for me to come out of my house to walk up to me and talk to me also. I asked her why she had no identification and she said that she did not have to have any. She had XXXX county license plate number XXXX. She said her name was XXXX XXXX. The note inside says " Urgent Notice : please contact your mortgage servicer immediately, '' but then gives the number which is not SLS ' number. When I tried to contact SLS afterwards, they hung up on me XXXX times, so I could not get through to anyone to see why this had occurred and to ask why I was to contact SLS, and also to ask why I was given another number which was not SLS ' number. This is harassment. SLS has been given my contact information repeatedly. There is no reason for SLS to send persons to come and park in my driveway, wait to confront me personally, and leave me an " urgent '' notice on my doorknob, other than to harass and intimidate.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2015-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My name is XXXX XXXX, and I am in foreclosure with The Bank Of New York Mellon. My loan number is XXXX and the law firm representing the banks file number is XXXX. The law firm is XXXX and their address is XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX I submitted a XXXX page QWR to the law firm that represents the bank, and I have not received any response. Please look into this for me.. Thank you for your consideration.. XXXX XXXX
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33460
Submitted Via: Web
Date Sent: 2015-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-02
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I previously complained that sls mortgage was threatening to foreclose on my home and sent them the copies from a previous complaint against XXXX XXXX XXXX regarding missing payments. XXXX XXXX XXXX corrected the original issue and gave me a document to give to sls which I provided on XXXX occasions now sls has once again threatened with foreclosure and is now demanding XXXX to keep the house out of foreclosure when I DO NOT OWE IT ... I spoke to there customer service yesterday and again that asked for the documents and I told them they were sent XXXX times and that I will not send it again because it 's been 3 years now and they are to incompetent to correct the issue and to incompetent to read my past notes get the fax number that was provided to me and check with that department locate the documents and fix the issues of the missing XXXX XXXX 2010 payments.
Company Response:
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-05-03
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I sent in a mortgage payoff to Specialized Loan Servicing, XXXX, Colorado. It was rejected because the funds were n't certified. I sent in certified funds. I received a call that the payoff was short because of interest and that I could pay it off with a credit card over the phone. I asked first for a letter saying that this would pay it off in full. They refused so I did n't pay it. I just got a letter asking for additional funds to pay off the loan that says if the funds are not received by XXXX. on XXXX they will return all the money received. XXXX problems : I received that letter on Saturday afternoon, XXXX which meant a run to the bank and to XXXX to send it off in time. I missed the XXXX deadline. Problem XXXX : It seems to me they are deliberately making it difficult to pay to maximize interest. Why would n't a company accept a check and bill for the remainder if it were interested in a payoff? Is this legal?
Company Response:
State: CA
Zip: 92084
Submitted Via: Web
Date Sent: 2015-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-30
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I as paying an interest only mortgage with XXXX who sold the mortgage loan to Specialized Loan Servicing LLC. I called them in XX/XX/XXXX to request a XXXX fixed mortgage since the principle of my loan was {$50000.00} and it never decreased after paying 10 years. I was denied a modification because I had never missed a payment. I thought that was crazy so I resubmitted it. They began returning my payments which forced me to miss payments. I was so frustrated with calling there and being talked to like an XXXX I hired XXXX XXXX to help me. XXXX was able to work out a modification where I was in a 30 year fixed but they hurt my credit with the missed payments! I was now back to paying 30 years of interest as if I never paid the 10 years. I made my payments every month on time for 10 months then they sent me a statement with an additional {$110.00} charge added to my mortgage payment. I called and was told to fax in my problem and to send in my normal payment. I sent in my payment less the {$110.00} charge. I received a letter stating the {$110.00} was an error and would be corrected. When I received my statement for the next month they had not applied my payment, it was sitting in unapplied funds and they were requesting double the amount that I owe monthly. I called and was told my payment was not paid in full so it would not be applied. I explained that I did make my normal payment as instructed to do so but not the {$110.00} that was put on my account in error. So once again I only paid my normal payment for the month. This went on for 3 months. I thought their system would finally see I was not behind in my payments because the money was sitting there in unapplied funds but no such luck. I called in XXXX and they told me that since this all happened in XX/XX/XXXX there is nothing they can do. So I have a mortgage payment sitting in unapplied funds that will never be applied to my mortgage because they overcharged me {$110.00}. When I called in XXXX I was told I was 3 months behind when I have NEVER missed a payment. My statement shows I owe them over {$1500.00}. In XXXX I decided not to pay them to see if they would apply the mortgage payment that is sitting in unapplied funds. I feel they want to force me into a foreclosure. Since I just do n't have the money to hire XXXX again, I had just given up until an agency called XXXX XXXX suggested I contact your agency.
Company Response: Company chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2015-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage company is refusing to work with me to pay delinquent mortgages that I owe. My house is scehduled to be forclosed on XXXX XXXX, 2015. I had contacted the mortgage company after I got into serious financial problems due to my father 's illness/lost my fanther 's brother. I then had to travel to XXXX to bury my uncle since my father was too sick to travel. When I returned in early XXXX, 2015, I was served with forclosure notice. I contacted SLS, the mortgage company asking for ways I can resolve the issue. It took them a while to get back to me. They then sent me a form for modification, which I completed and emailed to them. They still did not get back to me. I called their forclosure attorney and spoke to them stating that I can work out a payment over a 4 months peroid, if the mortgage company can allow me split the past due balance over a four-month 's period, plus the monthly payment. I was asked to contact SLS again, since I had not heard from themToday, XXXX/XXXX/15, I called the SLS office to find out what the total balance or reinstatement amount would be, since they had not communicated that information to me. I then received a fax stating that I owe {$17000.00}, which includes legal fees and some other amounts. I do not have this kind of amount or do I know where to raise this amount of money in 5 days. My dad has been very ill and I have been responsible for his medical bills since he has been in the hospital for the past XXXX weeks. I have a duahgter in college, and I have been responsible for her tuition. I am a single parent, raising muy kids, and caring for my aging and sick parents. I CA NOT AFFORD TO BE THROWN OUT OF THIS HOME. MY CHILDREN, PARENTS, AND MYSELF WILL BE HOMELESS IF THE FORECLOSURE HAPPENS. I AM HOPELESSLY APPEALING TO YOUR AGENCY TO PLEASE COME TO MY RESCUE. I DO N'T KNOW WHERE TO RAISE {$17000.00} FROM IN 5 DAYS. My father is too sick to be moved anywhere and he could depart this woorld any day now. Please help me. I currently have managed to raise {$5000.00}. and if your agency can do anything to stop the foreclosure, I will do all I can to get my mortgage current in less than 4 months. PLEASE HELP ME ASAP. I AM DESPERATE AND HAVE NO RECOURSE, SINCE THE MORTGAGE COMPANY, SLS LOAN SERVICING HAS REFUSED TO WORK WITH ME.
Company Response:
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2015-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SLS Select loan servicing used erroneous income for my loan modification. It 's been over XXXX years since they have had my file and I believe they just rolled the dice, picked a number out of a hat and walla! a loan mod that reflects an income of over XXXX dollars. I do not make XXXX dollars a month and never have! I am appalled at their conduct and request a thorough investigation on their sloppy underwriting and mis handling of my file. There is a sale date set for XXXX XXXX 2015 and I am very worried in that, they way they underwrite/ handle files, will cause me to lose my home.
Company Response:
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2015-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SLS is the servicing company for XXXX bank. Supposedly, XXXX owns my XXXX mortgage which originated with XXXX XXXX. I have been unable to complete a refi on my home due to a negative title search which shows XXXX as the loan holder. I requested the required documentation from XXXX and was told that SLS has to provide the paperwork. I made numerous phone calls and written requests to SLS. They were rude and deceptive. They lied and gave me the run around. They sent me the copy of my original contract with XXXX, which did not show transfer of the loan to XXXX, more than once, in an attempt to placate me, even after I made them aware of their " mistake ''. I made XXXX written attempts. They made me wait the legal limit of 30 days and have yet to supply me with the proof that I requested, the proof that I am entitled to by law. I feel my legal rights have been violated. I think they are purposely trying to stall me with misleading information because they do n't want to admit that they can not produce the documentation I have requested. I am losing approximately {$200.00} a month each month the refi gets stalled. They have not shown any professionalism or compassion. They have yet to take any responsibility and refuse to be held accountable. Customer service reps have out and out lied to me, which I can prove, as XXXX of the calls was a XXXX way conversation in which the customer service rep stated he had the documentation, other documentation than what was already sent to me, and that he would get it right out. When I did not receive it, I called back. I spoke to a supervisor, who would not allow me to speak with the customer service rep, even though I had his name and ID number. She said she spoke to him and he denied saying he had other documentation. I asked her to pull the tape. She stated " she would, but it was not going to be any time soon ''. I never heard back. I did call the rep from XXXX back, who initiated the XXXX way call, and he confirmed what we had been told. SLS has a long history of complaints. I can see why. I do n't know why a company like XXXX would choose to be affiliated with a company like SLS. I have no choice, but I am literally XXXX,. I can not get my refi done, through absolutely no fault of my own, without XXXX and that does not look like it is ever going to happen.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2015-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-04-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received my escrow account statement from my new servicer ( SLS Mortgages ). SLS obtained my mortgage from XXXX XXXX XXXX in XXXX 2015. SLS is trying to force me to keep 2 months escrow payment in my escrow account. The shortage is almost double the 2 month requirement. SLS tells me that they can require me to keep 2 months escrow payments in my escrow account. Is this correct? Why is it almost double the amount of 2 months. My escrow payment for my taxes and insurance is less than what the payment was before the analysis.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2015-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes