Date Received: 2023-04-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The company is Specialized loan servicing, we never receive any statements from this company their was one initial payment book no monthly statements. The balance on this account is {$31000.00} with a payment of {$18.00} dollars a month. I only found this out through XXXX XXXX. My son was paying on this account and they all of a sudden refused payment on the account. He didn't know the balance on the account and assumed it was paid for without receiving a statement. We didn't know how to contact them. 18 months later we received a notice that the loan was in default, no way to catch it up paying penalties or any options. The only contact now is through a law office forcing us to do a XXXX XXXX to try and save our house. Their is a primary mortgage on the house of {$110000.00} that has never missed a payment.If we would of received notice on this loan at any point we would of caught it up.They reported 18 months late on my credit report that i wasn't i aware of. I am XXXX XXXX XXXX and know that is no excuse but I was just wondering if their is anything that can be done. We contacted the lawyers handling the foreclosure and were told that they would send a restart on the loan in 3 to 5 days, when we call back we were told the lady misspoke and it would be 7 to 10 days. We feel at this point they are stalling to foreclose are our house. So we are scheduled to go to the lawyers office on XXXX to pay to file XXXX XXXX in hopes of saving our house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Can you please remove the late payment from my credit because I want to make a purchase but I cant buy it due to the late payment when I couldnt make the payment I had a lot of things going on and thats the reason I wasnt able to pay it off but I have paid it off already please can you help me with this thanks the late payment was XXXX/XXXX/23 After that I already paid everything well thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: credit reporting act XXXX Account # XXXX has violated my rights 15 USC 1681 seccin 602 states I have the right to privacy 15 USC 1681 section 604 A Section 2 : it also State a Consumer reporting Agency Can not furnish an account without my written instructions. 15 USC 1666B : A Creditor may not treat a payment on a mortgage account under an open end Consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 953XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX finance my home. I applied for the XXXX mortgage assistance in XX/XX/XXXX with the XXXX XXXX XXXX XXXX XXXX XXXX ). I signed the third-party authorization form for XXXX to process my request. XX/XX/XXXX, my application was approved for 12 months of mortgage payments up to {$50.00}, XXXX toward my loan. XXXX begin submitting payments in the amount {$1800.00} on my behalf to XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. On XX/XX/XXXX, my mortgage loan was transferred to Specialized Loan Services LLC XXXX ID XXXX : XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX : XXXX Fax : XXXX. I have filed previous complaints regarding SLS Mortgage failure to provide XXXX Information to resume my mortgage payments and correcting my credit report at the Credit Bureaus. After 6 months of call and submitting numerous complaints, SLS MORTGAGE finally provided the requested information to XXXX. Unfortunately, I am still experiencing problems with SLS Mortgage. The mortgage company is not posting my AHFA payments ( on my behalf ) to my mortgage account. According to XXXX, on XX/XX/XXXX ( attached ), their office processed and submitted my mortgage payment in the amount {$1800.00} via XXXX to SLS Mortgage for my XX/XX/XXXX payment. Although, XXXX recently reported, XX/XX/XXXX, correcting and applying the AHFA payment to my XX/XX/XXXX mortgage payment, I am having the same issue with my XX/XX/XXXX mortgage payment. As of this writing, my XXXX XX/XX/XXXX payment has not been applied to my account. I have contacted their office numerous times and requested an investigation to locate and post my XXXX XXXX payment to my account. However, the issue has not been resolved and I am concerned that I will soon start getting numerous phone calls from SLS Mortgage regarding my XX/XX/XXXX payment as in the past. According to XXXX records, my XX/XX/XXXX mortgage payment was processed and wired on XX/XX/XXXX. However, SLS Mortgage denies that they have received my XX/XX/XXXX mortgage payment from XXXX and it is not posted to my account. I am contacting your office for help to get the issue resolve so that to bring my loan current. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing purchased my loan from XXXX XXXX in XXXX of XXXX I was not aware of this change. In XXXX of XXXX I received a notice from Specialized Loan Servicing ( SLS ) stating that I needed to pay over {$15000.00} to get my loan current or they would foreclose on my home. I contacted SLS and stated that I did not know who they were and asked when they took over my loan. I stated that there was no way that my loan would be that far behind since they purchased it in XX/XX/XXXX. I was told I had not made a payment in over a year. I was told that if I did not pay that amount that I would lose my home. I was capable at the time to make this payment because I had lost my job and withdrawn from my retirement. SLS considered my forebearance as currently owed. I paid this amount which caused a significant financial hardship to me and my family. I was unable to make a payment after that because I was not working yet. It took me some time to recover from this financially and was in a position to begin making payments in XX/XX/XXXX but my Identity was Stolen. This caused an additional hardship for me and my family. I received my tax return with intent to pay the amount I owed, but was told that if I sent my payment that they would send it back. This was before my home was foreclosed on. At no time in XXXX of XXXX was I offered any payment assistance, modifications, or any other actions this lender should have offered me at that time. I am requesting a rescission of my foreclosure immediately in order to address the errors in the servicing of my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 653XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good Day, I closed on my home on XX/XX/XXXX. Not long after closing, my mortgage was purchased by Specialized Loan Servicers ( SLS ). My mortgage payments were paid on time and paid in full up to present day. On XX/XX/XXXX, I received a statement in the mail from SLS indicating my escrow account was short {$4300.00} ( see attached ). And due to this massive shortage in escrow, my mortgage is set to increase {$430.00} per month, from {$4100.00} monthly to {$4600.00} monthly. I did expect our mortgage to rise as our tax assessment did increase, however this large of an increase did not seem correct. I contacted SLS via phone call the week of XX/XX/XXXX. After several conversations with the escrow team and tax department. I determined the massive shortage is the result of a 3rd tax disbursement for tax year XXXX ( taxes for my county are collected semi-annually ). Per SLS, the 3 county tax disbursements are as follows ( see escrow account history attached ) XX/XX/XXXX : {$3500.00} for COUNTY TAX XX/XX/XXXX : {$3300.00} for COUNTY TAX XX/XX/XXXX {$3500.00} for COUNTY TAX So SLS advised me to contact my county tax office and determine the status of county taxes paid. So I contacted XXXX XXXX XXXX ( XXXX XXXX Tax Administration Office who was able to provide me with a statement showing all county tax payments made for my address going back to first half XXXX taxes ( document is attached ). They also provided me detailed invoices of ALL the payments they have received from SLS since closing. These documents show that only 2 county tax payments were made from SLS to XXXX XXXX XXXX Tax Administration for tax year XXXX : Postmarked XX/XX/XXXX : {$3500.00} ( see attached ) Postmarked XX/XX/XXXX : {$3300.00} ( see attached ) There are also 3 additional payments received by XXXX from SLS ( see attached ) : Postmarked XX/XX/XXXX : {$57.00} ( XXXX XXXX and Stormwater Fee XXXX half taxes ) Postmarked XX/XX/XXXX : {$57.00} ( XXXX XXXX XXXX XXXXr Fee 2nd half taxes ) Postmarked XX/XX/XXXX : {$650.00} ( I am assuming this is a late fee that SLS paid as they were late paying my first half taxes ) XXXX XXXX XXXX Tax Administration office never received a payment for {$3500.00} in XX/XX/XXXX, they only payment they received in XX/XX/XXXX was the {$57.00} for solid waste and stormwater fee. This discrepancy is the reason my escrow account is so short and why my mortgage is set to raise substantially. I once again contacted SLS and provided them the evidence showing that the tax payment in XXXX of XXXX was never received by the XXXX tax department. I escalated through SLS tax department and had a research case set up. The SLS rep I spoke with advised me that once the issue has been resolved, I will have to request another escrow analysis to re-adjust my mortgage. I was told this case would take 10 business days to resolve and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX I called SLS to get a resolution to this issue. I spoke with a manager in the tax department named XXXX. XXXX proceeds to tell me that the extra tax payment made in XX/XX/XXXX was a result of prior delinquent tax payments. This is 100 % inaccurate as I confirmed with the XXXX tax authority that all taxes were paid up to date and there were no unpaid/delinquent tax bills. Additionally, we would have never closed on the home in XXXX of XXXX if tax 's were unpaid or delinquent. The attached statement clearly shows that taxes for tax year XXXX were paid on time and in full by the previous owners of the home. During my phone call with XXXX, I requested proof that the XX/XX/XXXX disbursement was for unpaid/delinquent tax bills. She was unable to provide that to me. Her response was simply " this is the findings of our research team ''. I asked to speak to the research team, they do not take calls. I asked to speak to XXXX 's supervisor, she said there is nobody else to speak with and there are no other options to escalate. In summary, SLS has taken {$3500.00} from my escrow account and the money can not be located or returned. My escrow account doesn't have it, I don't have it, and XXXX Tax Administration doesn't have it. I have attached all the relevant documents for review : 1. Initial documentation from SLS advising me of escrow shortage ( see " Escrow Account History '' ) ( 4 Pages ) 2. Document from XXXX Tax Administration Office showing all payments made on the address for XXXX and XXXX ( XXXX Pages, see " Payments '' starting on Page 5 ) 3. Five separate receipts from XXXX Tax Administration Office showing every single payment they have received from SLS. Thank you for your time and efforts. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Randomly the Mortgage serving company changed my mortgage of 16 years. Now my principal portion is at {$140.00} down from {$460.00}. After many attempts to find out why I am asking for help from CF. The mortgage company is firm that the mortgage was modified and reset with high interest. I did not request a modification. I came out of forbearance in 2021 completely up to date and never expected a year later to see my principal payments be so LOW. All the servicer states/ insists is that the change is a result of a modification but I never agreed to a modification, only the forbearance program offered during the pandemic emergency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 051XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Wife and I purchased our home at XXXX XXXX XXXX XXXX in XXXX of XXXX. OUr lender was XXXX XXXX. When we established our loan we set up auto payment. Our loan was always paid. In XX/XX/XXXX my wife and I separated. Our auto payment set up remained, with myself as the payer, and all the payments continued to be made. In either XXXX or XXXX of XXXX, due to COVID, I was offered a forebearance. Since my employer at the time was not entirely sure what would happen if things lasted for long, I chose to accept a 6 month forebearance and stopped my auto payments ( required to assume the forebearance ). When the 6 month period was over I signed on to the XXXX XXXX website to make my payment and set up my automatic payments again. I was not able to online. I called XXXX XXXX and asked why and they told me that they had extended my forebearance ( I did not request this ) for 3 months. I was told that my forebearance would be applied at the end of my loan so I chose to keep the extension. Once the extension was over, I got online, made my payment, and set up my auto payments. I continued to make all my payments as scheduled. I believe in XXXX of XXXX XXXX XXXX sold my loan to SLS ( Specialized Loan Servicing ). I am not sure exactly of the date as I was not made aware for several months. In XXXX of XXXX I lost my job. Because I worked close to 70 hours per week in my former job ( as an exempt employee so no overtime ) and often had to work weekends losing time with my children, I decided I was going to look at teaching starting the following school year. To help me financially until the start of the school year I withdrew from my retirement savings to support myself. Because I had a large sum of money and had experienced a lot of anxiety regarding my work ( including hospitalization in XXXX, XXXX ), I did not pay a lot of attention to my funds ; I knew things were being paid ( or at least I thought ). I believe it was XXXX of XXXX that I got a notice from SLS stating that I owed over {$15000.00}. When I contacted this company that I had never heard of I was told that I had not made a house payment in over a year. I argued that I did not know who they were and always made my payment. They told me they were going to take my house because their records show that I had not made my payments in over a year. I wired the required amount of money, which broke me. Without funds or a consistent form of income at the time, I could not set up auto payments. I started working at the start of the school year as planned, but because I had made this massive payment that I did not expect to make I was broke. Around XXXX time my situation was better and I was going to begin making payments and setting up my auto pay, but right before XXXX my identity was stolen. I was without any access to funds for some time and, though things were restored, this caused a problem. I decided that I would use my tax return to pay the back amount I owed and then finally set up my auto payments. On XX/XX/XXXX I noted my tax return in my checking account. On XX/XX/XXXX I was informed by XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) that my home was being auctioned on XX/XX/XXXX. On XX/XX/XXXX I called my lender to attempt to make payment but was told that I could not. They said I needed a reinstatement quote, which would take 2-3 days, but they would expedite it. They explained that the reinstatement quote would be more than amount that was owed due to court fees. I asked if I could pay {$2000.00} over the amount that I owed and they said that if it was not enough it would do no good. They told me that if I sent them money they would send it back ( I repeated this back to the person to assure that that was indeed what they told me ). The auction happened and there were no bids. I was told that my home is now XXXX ( XXXX XXXX XXXX ). I have been attempting to contact the XXXX department but you can only leave messages or emails and they do not respond in return. I have been constantly trying to get someone to help me but no one will. I get sent to XXXX, they don't return my calls or emails. On Wednesday XX/XX/XXXX I called and was told ( accidentally I believe ) that I have a XX/XX/XXXX reinstatement quote but the guy could not get it. He told me to contact XXXX but gave me a number I had not gotten before. I thought this may be a direct line to speak to a person, but when I called it did not even ring. I tried three times that night. The next day I tried again several times and it was the same, no dial tone, nothing. I called and asked for my reinstatement quote on XX/XX/XXXX. The person that answered was supposed to be XXXX but was not and was going to send me to XXXX. I asked if the number that was given to me was for SLS and she said no, but it could be. I again tried to call and get my reinstatement quote and that person tried to help, but in the end gave me a number to the attorney I needed to contact XXXX XXXX XXXX XXXX XXXX because they would have the form. I called that number and it rang, rang, and stopped ringing. I tried twice. While waiting for this number that never was going to connect to connect I looked up and found a correct number for XXXX. When I contacted them they said my case there was closed and they had no information about my reinstatement quote. They said I had to deal with the lender. Later that afternoon SLS called me ( I complained about the false phone number and asked to speak to a manager ). I told them I wanted my reinstatement quote, that twice I have been given wrong numbers and that I felt their company may not be legitimate based on what I have experienced. I also had called and left a message as well as a email to the XXXX department and as of XXXX on XX/XX/XXXX have not received a response. I believe first that XXXX XXXX sold my loan to SLS in error. Looking up information I have seen that a loan can not be sold due to it's forebearance and that is what XXXX XXXX did. Second, I believe that SLS knew that {$2000.00} would more than cover my fees that would be added but chose to deny me the ability to pay my bill. On XX/XX/XXXX I received my statement from SLS. It had the same past due amount that was online on the XXXX, and at the bottom of the statement were attorneys fees. Each attorney 's fee was {$180.00}. Even if the charge was more than that I was willing and able to pay more than 10 times the rate of the fees that were already applied. I believe telling me that they would return my payment was a way to keep me from paying so they can take my home. Third, I believe that SLS is in breach of their fiduciary responsibilities. I feel that sending me to a fake number is bad enough. Telling me " it could be '' a number is an attempt to cover something up. However SLS has topped that by giving me a fake number again. Since I have complained about this I have not been able to get any communication established between myself and SLS. As said before, their XXXX department is simply a message machine to nowhere. I have notes of my calls after the first fake number was given. When possible it has the name of the agent ( representative ) and their employee ID. I've recorded each number I called and what time I called. I have written my account of the conversation. All conversations are recorded and I am sure my notes will match anything that is said. I am also aware that they take notes when I call because one of the agents read the note to me ( the first guy that gave me the fake number ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 653XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear Madams or Sirs, My name is XXXX XXXX In XXXX we bought one family house in XXXX, XXXX XXXX. We survived XXXX financial crisis and XXXX hurricane Sandy. In XXXX, our previous mortgage servicer company XXXX, offered us the forbearance plan and had promised enroll in repayment plan or modification after the ending of forbearance plan. Meanwhile XXXX had sold mortgage to another XXXX XXXX and XXXX had refused our request for repayment or modification. We stopped monthly payments and later we modified our mortgage through the court. Same happened after federal disaster-Hurricane Sandy. Our mortgage was sold to another servicer, to Specialized Loan Servicer LLC ( thereafter as SLS ). We went through second modification process. On XX/XX/XXXX, SLS offered forbearance plan and we agreed. After 18 months, as forbearance plan was expired, SLS sent to us mortgage modification as we agreed. From XX/XX/XXXX we had resumed monthly payments as agreed amount of {$2500.00}. After three trial payment we received by mail final modification agreement. After carefully reading a agreement text, we discovered that there were two mistake - My name was spelled incorrectly as XXXX, instead of XXXX. - In agreement, some financial terms were unclear. Let us explain in more detailed way what kind of financial terms was unclear. Before first trial payment of {$2500.00}, Our outstanding past due amount ( because of forbearance plan ) was {$57000.00} and outstanding principal was {$430000.00} ( see statement from SLS XX/XX/XXXX ) All together, {$430000.00} + {$57000.00} = {>= $1,000,000} Let us to put Section C of final agreement entirely : Section C The Interest Bearing Principal balance of my Note will be {$460000.00} ( the 'Interest Bearing Principal Balance ' ). In addition to the Interest Bearing Principal balance of {$460000.00}, any outstanding amounts inclusive of unpaid and deferred interest, fees, escrow advances and other costs as applicable shall be deferred. The total amount deferred through this agreement is {$32000.00} and is known as ( the 'Deferred Balance ' ) and I will not pay interest or make monthly payments on this amount. The total amount payable under the note {$500000.00} ( the 'Total Principal Balance ' ) is inclusive of the Interest bearing Principal Balance and the Deferred Balance. Interest at the rate of 2.875 % will begin to accrue on the new Interest Bearing Principal Balance as of XX/XX/XXXX and the first new monthly payment on the new Interest Bearing Principal Balance will be due on XX/XX/XXXX. My payment schedule for the modified Loan is as follows : Years Interest Rate Interest Rate Change Date Monthly XXXX & I Payment Amount Monthly Escrow Payment Amount Total Monthly Payment Payments begin on Number of Monthly Payment 1-40 2.875 % XX/XX/XXXX {$1600.00} {$930.00} {$2500.00} XX/XX/XXXX XXXX Borrower promises to make monthly payments of principal and interest per the above payment schedule beginning on XX/XX/XXXX, and continuing thereafter on the same day of each succeeding month. I will make these payments every month per the above payment schedule, in addition to 1 final balloon payment, consisting of deferred principal in the amount of {$32000.00} and additional unpaid principal amount of {$50000.00}. The Balloon payment amounts stated are if all monthly payments have been made as scheduled. At the end of the term, any balance remaining will have to be paid. *The escrow payments may be adjusted periodically in accordance with applicable law and therefore my total monthly payment may change accordingly. Your initial monthly escrow payment will be {$930.00}. Your initial total monthly payment will be {$2500.00}. The above terms in this Section 3.C. shall supersede any provisions to the contrary in the Loan Documents, including but not limited to, provisions for an adjustable, step or simple interest rate. I understand that, if I have a pay option adjustable rate mortgage loan, upon modification, the minimum monthly payment option, the interest- only or any other payment options will no longer be offered and that the monthly payments described in the above payment schedule for my modified Loan will be the minimum payment that will be due each month for the remaining term of the Loan. My modified Loan will not have a negative amortization feature that would allow me to pay less than the interest due resulting in any unpaid interest to be added to the outstanding principal balance. Lets go step by step : 1. As it is stated in agreement, as of XX/XX/XXXX, amount of principal balance was {$460000.00} 2. SLS courteously offered to defer {$32000.00} at end of mortgage 3. The sum of principal and deferred amount equal to : {$460000.00} + {$32000.00} = {$500000.00} So, it obvious that our total mortgage balance, with unpaid balance is {$500000.00}. Please pay attention that monthly P & I payment {$2500.00} is calculated on base of principal balance {$460000.00}. Supposed to everything is clear and correct, but suddenly we see in same section C additional payment at end of mortgage as {$50000.00}. We asked numerous times to explain an origin of this {$50000.00} and every time we got so called explanation that it is Balloon payment. Please see attached exhibition 2 -Letter from SLS about additional {$50000.00}. SLS is threatening with foreclosure. Let us just put down facts : - We never missed a single payment with SLS. - Because of COVID19, SLS offer federal forbearance plan for 18 months, and we had agreed. - After forbearance option were expired, SLS had offered trial Modification payments without any details, any API and so. We had agreed. - On final agreement, we discovered some unclear financial terms ( so called balloon payment, and numerously asked a clarification. - We were ready to sign agreement but we could not because SLS were asked additional 10 % above mortgage that is by our opinion unlawful and attempt to charge us with bogus payment We still are continuing to make monthly payments as agreed in trial modification. We are asking to honor modification agreement. We are asking to remove from contract bogus so called balloon payment We survived XXXX financial crisis, XXXX federal disaster sandy hurricane, XXXX XXXX. Our family is hard working family and we are and always were able to make payments for our obligations. Please do not allow SLS take over. Trying to get advantage from federal disaster, as is COVID19, is unacceptable. We will upload all necessary documentation and proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10305
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had an issue with this mortgage company since XXXX turned it over to them. I have had several issues with this company. 1. I haven't received a bill, via paper or email since day 1 even though I've made several requests. 2. I am only allowed to make payments via XXXX XXXX or XXXX XXXX. 3. I have requested a full audit of my account several times with no response. 4. Each time I speak to an agent I'm told I owe a different. I'm never able to get an accurate count of how much I owe. 5. I called today and they told me my house was in Foreclosure but, I'm yet to receive any type of notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A