Date Received: 2023-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Specialized Loan Servicing and XXXX XXXX fraudulently on several levels attempted to collect a fictious debt. They were informed the debt if it existed was statutorily barred from collection, I was disabled and unable to if the debt existed. They wrote off this debt ( TAX FRAUD INVESTOR FRAUD ) even though they were informed in writing three times a 1099C would fraud and harassment, they sent me a 1099C for {$410000.00} on a non-existing debt. Additionally due to lies and actions by the ( XXXXXXXX XXXX XXXXXXXX XXXX ) and XXXX XXXX XXXXXXXX my home was lost as well as prior mortgage payments. The 1099C places a XXXX XXXX XXXX XXXX without assets at the mercy of the IRS for taxes, penalties, fees, interest on {$410000.00}! The attached documents prove these egregious actions most of which is supported in the Superior Court transcript attached. SHOULD THIS GO INFRONT OF A FACT FINDER the witnesses will ALL BE LAWYERS! other than myself. XXXX XXXX, XXXX and XXXX XXXX XXXX have confirmed their actions in writing. I will share what I have with law enforcement and vetted Lawyers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01605
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have requested from Specialized Loan Servicing LLC that they waive or credit back a {$25.00} fee placed on my account for insufficient funds on the following basis. I should not be penalized for SLS 's wrongdoing. Multiple attempts have been made with customer service, all of which provided no resolution. I am now unable to sell my house without conceding the erroneous charge as a result of SLS 's egregious behavior. - The bank account information SLS drafted from was never provided to SLS by myself. I am not aware of how SLS obtained this bank account information. They should have never had this sensitive personal information. - SLS set up auto-pay on my behalf, without my consent- I never authorized payment to be drawn from the account ( of which I never shared information for )- I promptly paid from the correct account - SLS failed to acknowledge their receipt of a notice of error letter and have done nothing about it ( posted XX/XX/23, received XX/XX/23 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HAS KNOWINGLY AND INTENTIONALLY OVERSTATED my past due balances as {$82000.00} when infact that was less. I have since made payments of over {$21000.00}, yet funds are sitting in UNAPPLIED UNIDENTIFIED. Correct intentional misapplication of funds For months I have been requesting the accurate balances and I still have not received it. I am requesting Specialized Loan Servicing to re/send XXXX Documentation for Application # XXXX XXXX XXXX XXXX XXXX XXXX so we can pay and close this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Complaint # XXXX - XXXX started contacting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on or about XX/XX/XXXX when XXXX XXXXXXXX XXXX transferred my excellent paid mortgage to that company. I called XXXX XXXX XXXX XXXX to ask why they are reporting on my mortgage statement a Bankruptcy Message? That is when I learned at the beginning of the call with their automatic phone prompt system announcement, that they were a Debit Collection Agency. I asked them to remove it from my statement, because they got an excellent mortgage from XXXX XXXX, not a default or bankruptcy mortgage loan from XXXX XXXX. They refused. I was told if I don't like the statement that I can request them not to send me no statement at all. ( proof of payment, insurance, taxes ). This was the only option they gave me. Complaint # 2 - Since XXXX XXXX XXXX got my mortgage from XXXX XXXX, they have not reported to any credit bureau that they are the new company on the loan. Therefore, there is NO credit good or payment history being recorded with any Credit Bureau on my behalf. XXXX XXXX was the last credit reporting on my mortgage loan since on or about XX/XX/XXXX. I called XXXX XXXX XXXX on or about XX/XX/XXXX, also in XXXX, XXXX, XXXX, XXXX to request my good payment history to be reported to all the Credit Bureaus. My request was denied. However, I questioned if I was to miss a payment would they report it as bad credit, they said, they would report it to the Credit Bureaus as a missed payment. So, I said, " you only report bad payment credit history, NOT good credit payment history? '' I am filing a complaint against this company for refusing to report ALL of my excellent payment history to all the Credit Bureaus since receiving my mortgage from XXXX XXXX on or about XXXX or XX/XX/XXXX. Also to remove the damaging, derogatory statement from my mortgage statement. Neither, XXXX XXXX XXXX, or XXXX XXXXXXXX XXXX was involved in a bankruptcy, or a discharge of any type of monetary funds concerning my mortgage loan, so the statement on my monthly bill is misleading and false. My monthly statement is the only proof of my on time monthly payment, and it's defiled every month with this lie. Therefore, I am unable to use it as a form of proof of good payment and credit history. This has caused me a lot of unnecessary distress, pain, and suffering at the hands of XXXX XXXXXXXX XXXX predatory loan service practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my Mortgage with SLS, Specialized Loan Servicing, located in XXXX, Co. I have had my mortgage with them for several years. It was purchased from an original company I had found on line, which was a fine company. SLS makes it extremely difficult to access account information via their phone service ( phone tree ) or their web site. On the phone tree, today I spent 7 minutes wading through the menu options, finally getting through to an actual human. She put me on hold for 10 minutes, and then the call disconnected. As bad as the phone tree is, the web site is worse. I have always had trouble using their web site, in the last year I continue to get locked out or the XXXX returns a " bad request - request too long '' error message. When I called about this, after another 20 minutes of phone tree stupidity, I was told the SLSXXXX account was wrong and they gave me a completely unrelated web address, XXXX That worked one day, since then I have not been able to access my account on the web - same error message as the other link. Back to the terrible phone tree. Sigh.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80222
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested PMI removal from Specialized Loan Servicing on the XXXX of XXXX. SPECIALIZED LOAN SERVICING LLC received and verified the paperwork XX/XX/XXXX. I called XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no success in getting PMI removed. After filing a complaint with CFPB, PMI was then finally cancelled. In the communication with SLS, provided below, it stated that I would be refunded any excess PMI payments after the request date. I never received any credits or refunds for the excess PMI payments. From SLS : On XX/XX/2022 we received such authorization, and on XX/XX/2022 we sent a letter advising that we had received sufficient information to review the account for PMI removal. As noted in the XX/XX/2022 letter, after further review of the account we have canceled the PMI coverage for the loan. As noted in the enclosed XX/XX/2022 letter, any overpayment of PMI has been or will be issued directly to you. We regret any inconvenience you may have experienced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84121
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized loan servicing LLC ( part of first bank ) took over my mortgage back in XX/XX/2022. They didn't take out my XXXX payment on the XXXX. I called. They stated they had difficulties with the transfer from the previous mortgage owner, XXXX XXXX XXXX not to worry it will be drafted on either the XXXX XXXX or XXXX. So I called back on the XXXX and they stated they still having difficulty so we'll be no later than the XXXX. And they uploaded a copy of the mortgage payment for XXXX which showed the XXXX and XXXX payment will be drafted on XX/XX/XXXX. I called to make sure this would happen as I did not want to be late on a payment. They assured me this would happen and nothing would be reported to the credit company. On XX/XX/XXXX, they did not take out my payment. I logged in and it said because I was late on the XXXX payment I was ineligible for overdraft. So I signed in paid it for XXXX and XXXX XX/XX/XXXX. They did not report it to The credit bureau is that as the law. But they still have it marked on my account that I have a late payment. Because of this, I'm unable to request PMI removal because you have to have not had a late payment within the past year. I called multiple times about this and when you call, they say they can see everything I'm saying is correct. this needs to be removed! I do not want any late payments on my account so I can get the PMI removed. They are not helping with this. I've repeatedly asked and they keep insisting that I've made the payment late. They made the payment late!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For over 15 years an accounting errors from the SLS company have not credited my account with the pay down accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage servicer of my condominium unit, Specialized Loan Servicing ( " SLS '' ) recalculated my tax escrow requirement and sent me a notice on XX/XX/2023 to inform me that the mandated real estate tax escrow payment for my loan was being increased from {$460.00} to {$850.00} per month. Promptly upon receipt, I called XXXX and spoke to a representative to inform them that the escrow calculations were erroneous. In XXXX XXXX, Illinois, taxes are paid in two installments ( in arrears ) for the prior year 's taxes. Instead of including only two tax installments, the calculations incorrectly include three installments of : {$2800.00} ( XX/XX/2023 ), {$3600.00} ( XX/XX/2023 ) and {$3600.00} ( XX/XX/2023 ), a clear error. Total taxes for the year should be {$6700.00}, {$10000.00}. I informed the representative of SLS of the error and he acknowledged the error. He promised that the error would be corrected. Instead, my request has been ignored and the escrow calculations have not been corrected. SLS has refused to correct the error. Instead, I have now received an invoice for the incorrect escrow amount and am being threatened with penalties, late charges and possible foreclosure if the erroneous escrow payment of $ XXXX is not received by XX/XX/2023. Nobody from SLS has contacted me and I have not received a corrected escrow statement. These folks are completely trying to take and hold my money and not responding. They want to collect escrow of over 150 % of my actual taxes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2023-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a loan with CMC. SLS is the servicing company. I can't communicate with them because they use archaic practices of verifying information that put my identity at risk. SLS has stopped sending paper statements. I want to continue to receive paper statements as their online system is absolutely terrible. They don't even provide an option to opt in for the paper statements. What the company should have done is give people the option to opt out of paper statements, but SLS/CMC never does the right thing by the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A