Date Received: 2023-01-06
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've contacted SPEC LOAN SV XXXX XXXX told me I've never missed a payment, yet XXXX and XXXX refuses to remove me from being listed as late on XX/XX/XXXX on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do XXXX and XXXX job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first XXXX digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPEC LOAN SV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, Specialized Loan Services ( XXXX ) sent me communication that there is a shortage of {$130.00} when they charge me for XXXX taxes ( set by state of XXXX ) and insurance premium by my insurance company.That because of the shortage my payment will be higher By {$11.00} starting XXXX.My insurance payment had already gone up because the insurance company increase their premium up to {$700.00} for the year.The state of XXXX charged me about {$4400.00} taxes for $ XXXXThose are the legitimate charges that can be billed to me for XXXX.Any amount higher is illegal and unauthorized. XXXX billing of {$130.00} XXXX therefore is illegal and without merit because XXXX has no such authority.Therfore pls order SLS to recind that amount.. SLS have been doing this for several years to me and XXXX accounts similarly situated like me. I talked to XXXX, ID XXXX of XXXX to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Currently we are 4 months behind on our mortgage payments with Specialized Loan Servicing, due to loss of income during the pandemic. We receive phone calls daily from them, threatening to foreclose on our house, even though we have been working with the Virginia Mortgage Relief Program. All of the phone calls made by SLS start out as follows, " We are calling in regards to an important business matter ''. They do not state who they are or what they are calling in regards to. We reached out to SLS on XX/XX/XXXX at XXXX, to inform them of our difficulties in making a payment and asked if the late fee could at least be waived, as we could not afford to have more added to the amount. We were told by XXXX that SLS does not waive late fees and our loan type does not allow for a deferrment. Informed us that we should apply for mortgage assistance through them. On XX/XX/XXXX we submitted an application with Virginia Mortgage Relief Program and were approved on XX/XX/XXXX. I contacted SLS on XX/XX/XXXX at XXXX and spoke with XXXX XXXX XXXX ID XXXX ). I informed him of our submitted application to XXXX so that it could be notated in our records. He informed us of our options through XXXX ; pay the amount due in full, set up a payment plan, loan modification or deferment review. He mailed out a mortgage assistance application to us in case the application with XXXX was denied. On XX/XX/XXXX at XXXX, XXXX XXXX SLS called " regarding an important business matter ''. When I asked if she was calling from SLS, she finally stated " yes '' and then hung up the phone. I called SLS back at XXXX and spoke with XXXX XXXX XXXX ID XXXX ). I first asked if there were notes from the previous phone call, he stated that our record shows that a phone call was made, but there are no notes and no name attached to it. I informed him that on XX/XX/XXXX, we submitted the last of the documentation that XXXX had requested to complete our application and are now waiting for approval. I called SLS on XX/XX/XXXX at XXXX and spoke with XXXX XXXX I informed her that we received an email from XXXX stating that they will be contacting SLS directly to verify the debt owed. I asked how I could send SLS the email that we had received from XXXX, she stated that they did not need a copy of it. On XX/XX/XXXX XXXX sent a follow up email to SLS to remind them to respond to their request, as they still had not received anything. On XX/XX/XXXX at XXXX, XXXX XXXX teller ID XXXX ) from SLS called to inform us of our delinquency. Stated that the foreclosure process will start on XX/XX/XXXX, even though we have been working with the XXXX. Stated that he would email the HAF program that SLS works with to request that they respond to XXXX. Told us that we should be receiving a notice of intent to foreclose in the mail within the next week. I called XXXX on XX/XX/XXXX at XXXX and spoke with XXXX XXXX I informed her that SLS is threatening foreclosure and asked for a status update. Stated that there was still no response from SLS and was told to contact XXXX if we do recieve a notice of intent to foreclose, as they will need a copy and to call again next week for an update. On XX/XX/XXXX at XXXX, I called XXXX and spoke with XXXX XXXX She stated that they still have not received a response from SLS and they will do everything that they can to expedite the payment process if we receive the notice of intent to foreclose. On XX/XX/XXXX @ XXXX, I called SLS and spoke with XXXX XXXX I informed her that XXXX is still awaiting XXXX 's response to their request. She stated that they sent XXXX a quote of the amount owed on XX/XX/XXXX. On XX/XX/XXXX @ XXXX I called SLS. They informed me that the notice of intent to foreclose was mailed on XX/XX/XXXX. Our records indicate that we are working with XXXX, but the calls continue because SLS needs to know the exact amount of money they will be receiving from XXXX and the date the payment will be made. Stated that SLS has a letter from XXXX that shows that payment is in process and SLS emailed the amount owed to XXXX on XX/XX/XXXX. Stated that she would notate that our account needs to be brought current by XX/XX/XXXX so that no more phone calls will be made. I received SLS 's email address from her and at XXXX, submitted a copy of the email from XXXX that states that the payment is being processed. At XXXX, I called XXXX and spoke with XXXX XXXX I informed her of our phone call with SLS and requested a status update. She stated that XXXX sent SLS an email on XX/XX/XXXX requesting their response and that there was still no record of communication of any kind from SLS. She stated that she would be contacting XXXX 's payment team for any further updates on our account. On XX/XX/XXXX at XXXX XXXX XXXX teller ID XXXX ) from SLS called about our delinquency. Stated that the foreclosure process can start at any point. I informed her that we have been working with XXXX and they are still waiting for a response. She stated that SLS does not respond to emails. Was told to check back by XX/XX/XXXX to see if SLS has reached out to XXXX yet. When I became agitated with her, she told me that she would be hanging up the phone, but instead asked me to end the call. Informed her that I was recording the phone call, she told me that I could not record her, she does not consent to it and disconnected the call. At XXXX, I called XXXX and spoke with XXXX XXXX I informed her of the phone call I just had with SLS. She stated that XXXX has been emailing SLS 's XXXX program and are still waiting for them to respond. She assured me that SLS 's XXXX program does answer emails and is aware of the process and steps that need to be taken to complete it. Stated that XXXX can ask SLS to halt the foreclosure process if they decide to take that route, but they are limited in what they can do. On XX/XX/XXXX at XXXX, we received an email from SLS stating " The Verification of Mortgage requested is currently being processed with an estimated completion date of XX/XX/XXXX. Please login to the borrower portal, and select Request/Case Status from the left hand menu to check the status of your request. '' Then at XXXX we received another email stating " The Modification Subordination Requirements requested has been completed by Specialized Loan Servicing LLC and released via Mail on XX/XX/XXXX. '' Then at XXXX another email from SLS, " The Modification Subordination Requirements requested has been cancelled due to Incorrect Request Type. Please contact us at XXXX to learn more and open a new Send Correspondence if needed. '' At XXXX, I called SLS at the number listed in the last received email and spoke with Shantayvia ( teller ID XXXX ). I asked her to clarify what all of these emails from SLS meant. She stated that they were from the loan modification team, that the last customer service representative I had spoken with ( XXXX XXXX had sent the request out by mistake and that was why it was eventually cancelled. We have now contacted XXXX ( HUD XXXX ), to see what other options we may have to save our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage Servicer Transferred to Specialized Loan Servicing, effective XX/XX/XXXX. The XX/XX/XXXX payment had already been made to, and deposited by, the previous loan servicer. I provided Specialized Loan Servicing with proof that the previous servicer had sent them the XXXX payment. The proof is a copy of the previous servicer deposited check, and their Wire sent to Specialized Loan Servicing on XX/XX/XXXX. I have also spoken to several of their lower level customer service representatives who are not able to help in any way, just place their daily harassment calls. Those calls are supposedly recorded. Specialized Loan Servicing states they are looking into it, but in the meantime, when I paid my XXXX payment, they applied it to XXXX, and as of XX/XX/XXXX have already started making collection calls asking where my XXXX payment is.
Company Response:
State: AZ
Zip: 85338
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: So Im submitting it again hopefully for the last time. XXXX and XXXX been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the account listed below were opened fraudulently & without my knowledge, consent or authority. I provided them with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need this account blocked/removed from my credit file per FCRA. XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, SPEC LOAN SV 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: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have had a multitude of issues with Specialized Loan Servicing. XXXX ) I applied for a loan modification in XX/XX/XXXX. According to SLSs website, loan modification was approved. Unfortunately, I never received the loan modification package as required by CFPB regulation 1024.41 ( c ) ( 1 ) ( ii ). SLS was unable to provide a tracking number for the modification package. According to the USPS informed delivery, the package was not sent by USPS either. I filed a complaint with CFPB, on this clear violation of the CFPB regulation 1024.41 ( c ) ( 1 ) ( ii ) which requires the lender to ( ii ) Provide the borrower with a notice in writing stating the servicer 's determination of which loss mitigation options, if any, it will offer to the borrower on behalf of the owner or assignee of the mortgage. The servicer shall include in this notice the amount of time the borrower has to accept or reject an offer of a loss mitigation program as provided for in paragraph ( e ) of this section, if applicable, and a notification, if applicable, that the borrower has the right to appeal the denial of any loan modification option as well as the amount of time the borrower has to file such an appeal and any requirements for making an appeal, as provided for in paragraph ( h ) of this section. In lieu correcting the violation with the original Loan Modification that was not properly delivered to me as required by CFPB regulations, SLS sent a new loan modification that was substantially different than the original Loan modification including a higher down payment. This leads to the second issue with SLS. XXXX ) Before the expiration of the loan modification SLS sent in lieu of properly correcting their violation on the XXXX loan modification, the online account information updated to show that somehow SLS had received Verbal Confirmation of Acceptance on XX/XX/XXXX. Screenshots of the account will be included with this complaint. On the advice of my attorney, I have only communicated with SLS in writing. Because the status of the modification changed prior to expiration of the Modification Due Date and I had not spoken to anyone with SLS, I sent a Qualified Written Request/Request for information under RESPA. I requested information on the Verbal Confirmation of Acceptance noted on the account. A copy of this letter will be attached. Shockenly, I received a response to my Request for Information which claims SLS does not accept verbal agreements on Loan Modifications with no explanation on why the account showed Verbal Confirmation of Acceptance received on XX/XX/XXXX. One can only conclude that the purpose of the account status change prior to the deadline of XX/XX/XXXX was to confuse the borrower and further the violation committed with the original modification. XXXX ) I received a letter stating the loan had been referred for foreclosure. To prevent foreclosure, I completed a loan modification application in an attempt to rectify the account. Conveniently now, with the XXXXst loan modification packet that was never properly delivered to me and the subsequent loan modification status changed on the account prior to the deadline, the only option offered now is short sale. There has never been a properly executed loan modification offer starting with the first error in failing to send the loan modification packet in writing. The original violation of CFPB regulations has never been corrected. The subsequent materially different loan modification did not address the original complaint filed to CFPB. Then, prior to the deadline for that loan modification, SLS changed the status of the account erroneously and deceptively. There appears to be a systematic attempt by SLS to make loan modifications difficult, if not impossible through not following CFPB regulations, intentionally not delivering loan modification packets, and the use of their online customer portal to deceive and confuse borrowers in order to ultimately run out time and foreclose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi, I've been trying to get my XXXX cancelled and I have reached XXXX % of the original loan amount but my Loan Servicer, Specialized Loan Servicing is refusing to cancel PMI saying this " To have the PMI removed the account needs to be at least 2 years from the origination date. Once the account is between XXXX and XXXX years from orientation the loan to value ratio will need to be XXXX % or less. The account hasnt reached the 2 year mark yet at it was originated on XX/XX/22. Once it has been 2 years you can submit a request to have the account reviewed and if the XXXX is not low enough you XXXX sign authorization for a property valuation to be completed. Thank you XXXX XXXX ID XXXX '' I did not see a clause that I need to wait for 2 years to have my PMI cancelled even though I have already reached XXXX XXXX of the original loan amount 's principal. Can you please help me out? Thanks, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are writing seeking your intervention so that we can receive the proper assistance clarifying the status on our mortgage, which we believe has been incorrectly serviced and are now receiving letters from your company threatening us with foreclosure. For 10 years, your company did not communicate with us, sent us mortgage statements, status letters or informed us that there was an outstanding balance that needed to be paid. We were under the impression this was normal since we filed for bankruptcy a while back and did a modification on the first mortgage around the same time, which led us to believe the second mortgage, which you currently service, would be ( was ) either discharged or combined with the first mortgage. Only until not long ago, we were informed that there was a significant balance on our second mortgage past due that needed to be paid. Furthermore, the outstanding balance quoted to us was two times more than what our original principal balance was when we had filed for bankruptcy ( specifically, we were told that there was an interest balance of {$220000.00} when our original principal balance was only {$120000.00} ). We were in shock to learn of such amounts. The second mortgage was not reported in our credit reports either, nor was a mortgage with an outstanding balance showing, how would have known we needed to take action on our account? We asked for help getting clarity on the reason for why our balance had increased so dramatically and were told because we had not made payments. We explained we didnt make payments because we did not know we had to, but at that point were told only option was to either pay the balance or apply for a modification. We reluctantly agreed to look into a modification option but were then told that in order to be approved for XXXX, we would have to put a down payment of {$61000.00}. We declined the option given to us because we did not have that kind of money to pay up front. Many people we know have told us that they were able to obtain modifications with their banks and were not asked for a single dollar to get a trial modification and then a permanent one, so why would Specialized Loan Servicing ask us to pay such extraordinary amount of money? With the help of a family friend, we called recently into your service center to renew our efforts in straightening up our account. We brought up again the fact that we were not being sent mortgage statements and were told that there was some incorrect coding in the account that blocked the statements, but that it would be corrected. Shortly after, we started receiving letters, like the XXXX dated XX/XX/22 from XXXX XXXX, stating that we did not want to continue pursuing mortgage relief assistance which is completely false. On our most recent call, we asked for help applying for a modification hoping we would not be asked for a down payment again, but were told that it was not an option for us anymore. We asked what we could do next, and were told all we could do is wait until the account was referred to foreclosure, because at that point they would be able to apply other guidelines to then evaluate us for a modification. This did not make any sense to us whatsoever, why would we be asked to wait until the account reached such critical point which could put us closer to a foreclosure status. There was nothing else that was offered to us except to try to refinance our two mortgages so we could combine the balances and bring the second mortgage current. Again, we fell the burden of fixing the situation and only way to resolve was by us either paying money up front or using the equity in our property. Unfortunately, even if we wanted to pursue that option, with the second mortgage being so delinquent, we dont believe we would be able to qualify for a refinance. Our question is, why are there no options for us to help us prevent foreclosure that dont require us to put down payments or refinance our home? We have not missed a single payment on our first mortgage and are currently 100 % current. Would we have known a payment needed to be made separately on our second mortgage, we would have made it. The second mortgage you service was not reported to the credit bureaus and we did not receive statements or earlier communications that could have enabled us to take earlier action and prevent the account from falling so far behind. We feel that now that our property has gained a significant amount of equity, Specialized Loan Servicing is now seeing it worthwhile to pursue foreclosure action against us. We are not being given any reasonable or any options at all to bring our account to a current status and we need someone to help intervene on our behalf to clear out the situation and make things right. We are willing to start making normal payments on the account but need for the current balance and status to be resolved first. Please help us look into our account and situation, and to obtain a reasonable and fair solution that can help us bring our account current and into good standing. Respectfully, XXXX & XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been in contact with my mortgage company since XX/XX/XXXX when I was having financial issues, and my pay was cut in Half. I lost time being out for XXXX etc. There was so much miscommunication every time I called. I have stayed in contact with the mortgage company contacting them continuously and providing any information they needed. One representative I spoke with in XX/XX/XXXX stated the only option I had was to split the late payments up and add them on to my next payments. This would increase my payment each month. How can I pay more if I am unable to make a normal payment!! I told her this and she had already set me up with this arrangement! I said that I couldnt do it and to let me speak with someone else. Spoke with another representative that stated I was approved for the forbearance that they only wanted the question what has gotten me behind XXXX if I would be able to resume payments normally afterwards. Which I answered. Called back in a week and they said I was not approved for anything and the questions did not satisfy the big decision makers. the collection emails, calls and even coming to my home hand delivering letters. I have gotten a new job as of XX/XX/XXXX. I have made several payments every time I am paid and I am now due for XXXX according to the representative I spoke to on The phone in XXXX XXXX when I paid another payment. Today I received a letter regarding intent to foreclosure today. This letter was sent even after speaking with them and making payments. Never once gave me any helpful info. I took it upon myself to speak with a HUD COUNSELOR and he has been helping me and telling me what rights I have and assisting me with how to speak with the mortgage company. This is the reason I am contacting you today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70726
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On or about XXXX XXXX XXXX I Request Qualified Written Request and Request for Verification of the Debt XXXX XXXX XXXX, Complaint, Dispute of Debt and Validation of Debt Letter, TILA Request ( see attachment ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute my account. I am hereby for the XXXX XXXX time requesting Qualified Written Request and Request for Verification of the Debt ( QWR ) Settlement Protection Act, 12 USC Section 2605e ) compliance under the under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) I am writing to request the following : ( 1 ) Copies of ALL documents pertaining to the origination of our mortgage including our loan application, Right to Cancel, Deed of Trust, note including all endorsements, allonges or other indicia of all transfers since the note was signed, adjustable rate note, Truth in Lending statements, Good Faith Estimate ( GFE ), HUD 1, appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. ( 2 ) The date your firm began servicing the loan. ( 3 ) The previous servicer of this loan. ( 4 ) A copy of the loan history including the current interest rate on the loan, all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. ( 5 ) A breakdown of the current escrow charges showing how it is calculated and the reasons for any increase within the last 24 months and a statement indicating which covenants of the mortgage and/or note authorize each charge. ( 6 ) Please provide a copy of all trust agreements pertaining to this account. 1 ( 7 ) If this account is registered with MERS, state its MIN number. ( 8 ) Please provide a copy of all manuals pertaining to the servicing of this account. All of the above listed information should cover the entire life of the loan. We hereby dispute all late fees, charges, inspection fees, property appraisal fees, compulsory insurance charges, legal fees, and corporate advances charged to this account. We have reason to believe that either, the loan terms were misrepresented to us at the time of closing, or our payments made to the servicer on this note were inaccurately charged, and/or posted, causing unnecessary financial and emotional stress to us. If the servicer did charge and apply payments properly, then we have a reasonable suspicion that the loan terms may have been modified after signing. We are particularly concerned about the time period after XXXX, after payments started increasing. It was at this time that ___________became XXXX, and was not able to return to work for ________ ( until __________ ). During this time, unfortunately our financial reserves were drained, and we were forced to shuffle payments to avoid foreclosure, car repossessions, utility shutoffs, etc. It has been a constant battle since that time. Until recently we have stayed in contact with numerous people within your customer service departments, loss mitigation departments, and recently in the process of trying to bring this loan current, or attempting to renegotiate this loan. I was advised that someone would contact me and there would be no problem getting assistance to bring the account current. I had not heard from your customer service department again, and recently contacted your customer service department. It was then that I was told that it would be possible to negotiate and receive an offer to bring the loan current, but was never told on the phone what specifically that compromise was ; just that someone would be in contact with us. We both feel that we have been very proactive in keeping our family home. We do not want to lose our family home, and an application for a hardship withdrawal is in hand, to bring the loan current. We must have a letter with an amount to bring the loan current, and after an industry professional reviews all documents, and agrees that the amount on the letter is accurate, we will be making payment to bring the loan current. Both ___ and I have been given the runaround by your voice recognition call routing system on numerous occasions. I have talked to various agents with different versions of what the loan modification process really entails. I have been re-routed to the wrong department or individual, dozens of times. I hereby request the following : ( 1 ) A Copies of ALL documents pertaining to the origination of our mortgage including Our loan application, B Right to Cancel, C Deed of Trust, note including all endorsements, D or other all transfers since the note was signed, E Truth in Lending statements, F Good Faith Estimate ( GFE ), G HUD 1, H appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety. ( 2 ) The date your firm began servicing the loan. ( 3 ) The previous servicer of this loan. ( 4 ) A A copy of the loan history including the current interest rate on the loan, B all payments made, C all fees incurred, D what has been paid out of the escrow account, E and how all payments were applied. ( 5 ) A A breakdown of the current escrow charges showing how it is calculated B and the reasons for any increase within the last 24 months F The current Principal is Not Correct based on the original Contract of XXXX. XXXX Escrow is over inflated H Tax Statement for XXXX is incorrect I XXXX XXXX XXXX is incorrect J Qualified Written Statement has Not been Received it because Information is Not accurate
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: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A