Date Received: 2023-01-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Never got my escrow check worth of {$5400.00}. Its been delayed for a long time. Pmi Should not be charged after 20 % of the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27288
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and XXXX Credit Bureaus to validate this account ( A ). I hope this disputed account is updated. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I received a credit card for XXXX of credit from XXXX on XXXX XXXX for a {$10000.00}. The loan was apart of the XXXX settlement in XXXX. The loan server at that time was XXXX they filed a lawsuit against me and I filed a answer the case was dismissed in the Superior Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This loan has been dismissed a loan forgiveness was granted. The Loan was unlawfully sold and transferred after the courts dismissed there claims. The assignment and transfer were illegally conveyed by robo signers after the cutoff date of the alleged trusts closed. The pooling and service agreement clearly stated that all assignments were supposed to have been conveyed 90 days prior to the cutoff date filed with the United States XXXX XXXX. There has been no payment on this Loan since XXXX Recap The case has gone before a Superior Court judge and was dismissed Fraudulent Assignments conveyed after the cutoff date of the trust Loan that was apart of the XXXX settlement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a letter from Georgia Mortgage assistant that I will need to have SLS sign a Workout Agreement to be considered for Partial Reinstatement. I emailed the letter to SLS on Tuesday, XX/XX/XXXX to XXXX. I spoke with XXXX XXXX number XXXX, he stated they received the letter and transferred me to the loss mitigation team. I spoke with XXXX and I told him I would complete a request for Mortgage Assistance. The Mortgage Assistant application, workout agreement and other supporting documentation was sent on received on XX/XX/XXXX. On Wednesday, XX/XX/XXXX, HUD counselor XXXX XXXX and I spoke with XXXX, SLS representative concerning documentation received from Georgia Mortgage Assistance for Partial HAF Agreement to loss mitigation department. I informed him that I completed an application for Request for Mortgage Assistance on XX/XX/XXXX and I must have the Loss Mitigation Manager complete the Partial HAF Mortgage Agreement to be considered for HAF Assistance. The letter states they will pay {$50000.00} ; however, SLS will have to sign the agreement for the remaining balance of {$16000.00}. He stated he could not transfer me to the manager because they were busy with other applicants. He also stated I was denied the loan modification because of the amount of {$65000.00}. I informed him that if SLS signs the workout agreement that will help me stay in my home because I received a letter from SLS and attorney that the have stated the foreclosure process. He attempted to transfer us to the department and also gave us telephone number XXXX to call if we get disconnected. I left message and have not received a call back. I have been attempted to get a modification from this organization since XX/XX/XXXX. It seems as if they do not want to assist me in the reinstatement of my home. I lost my job with XXXX on XX/XX/XXXX. As I stated to SLS, I would like to stay in my home. The main reason that caused me to be late on my home is loss of job and income. XX/XX/XXXX, I found new employment. In XXXX, XXXX XXXX XXXX, certified HUD counselor, called on my behalf to speak with SLS and he was informed that I was denied modification because I defaulted on a modification. This is untrue. On XX/XX/XXXX, I spoke with XXXX, and she stated they were unable to provide modification because they could not apply the amount owed onto the back of the loan and it was nowhere SLS can put the monies owed. Also, XXXX stated I had a loan modification in XXXX and XXXX. I have made payments to SLS until XX/XX/XXXX ; however, they state I owe for XXXX. I feel my account has been mishandled by SLS. Georgia Mortgage Assistance is willing to assist with getting me back on track with my mortgage ; however, SLS is stalling. Please assist me with this matter. I do not want to loose my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2023-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan is currently sold to Specialize Loan Services. I was struggling with making monthly payments. Loan went into foreclosure. I had to pay layer fees and much more
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63121
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is serviced by Specialized Loan Servicing. Today I received a phone call from the company asking me what my intentions were for the property. I told them I didn't understand the question. At which point they informed me the call was not an attempt to collect a debt because it had been discharged in bankruptcy on XX/XX/XXXX. This loan servicer has had the debt since XXXX, prior to that it was with XXXX XXXX XXXX. The trouble is that neither myself nor my husband who holds the debt jointly with me have ever declared bankruptcy. I asked the agent for more information and she said they would research it. This loan also escrows tax liability as well as homeowners insurance yet they informed me that I was not required to pay the amount due. However there is a lien on the property and I am paying down the lien. I requested more information about the bankruptcy and they could not put me in contact with anyone who could immediately resolve the issue. It is very disturbing that this information is not available and I don't want to wait devote an enormous amount time and energy to fix this mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. Ive contacted the bank about the issue & they continue to fail to provide me with verifiable proof. Ive disputed it with all three ( 3 ) credit reporting agencies & they too are withholding any verifiable proof. I believe their records are wrong & Id like this matter handled ASAP. Please update or repaired the account ASAP!!!. SPECIALIZED LOAN SER XXXX Date Opened : XX/XX/2018 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX statement shows {$99.00} late fee, not a late fee. Its an annual maintenance fee and not late. XXXX XXXX refused payment from my XXXX XXXX online banking for the {$99.00}. They accepted the regular monthly payment as usual XX/XX/18 received notice from XXXX XXXX it was refused. XXXX could not find record of refusal Now they can make it look like a late fee if they keep refusing the payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with the HAF program of Michigan ( MIHAF ) and am conditionally approved for assistance. The condition is that I coordinate the handling of the additional reinstatement balance of my loan that is beyond what the MIHAF program provides. I have applied for a loan modification with my provider ( Specialized Loan Servicing - Loan # XXXX ) but they are refusing to provide a modification option. Additionally, I was informed SLS would not consider the assistance from the MIHAF program in their loan modification review and based the calculation on the full reinstatement balance instead of the reinstatement balance less the MIHAF assistance. SLS informed me that they received information from MIHAF on XX/XX/23 stating that MIHAF does not provide funds for loan modification assistance and would only provide funds for reinstatement assistance specifically. As a result, SLS is telling me that I must pay the remaining reinstatement balance in full, or that my only other options are to sell the property or deal with foreclosure. I spoke with my contact at MIHAF today and they assured me MIHAF does provide funds towards loan modifications. It seems to me that SLS is unwilling to facilitate the MIHAF assistance, loan modification, and reinstatement due to the fact that the interest rate on my mortgage is below the current market rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The specialized loan services didnt responde to my modification requested I did in XXXX until now they havent received any notice from specialized loan services regarding of my modification requested. Also Im received different letter from them to foreclose. Im received this letter from specialized loan services I feel treated me Because I got this notice without any update from my requested them to help me with other modifications. So until now Im still waiting from specialized loan services to responde my request of giving me a different modification terms. Now Im stressed about notice because the specialized loan services havent replied my modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A