Date Received: 2023-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX I made 4 Request for Specialized Loan Servicing to : Return HAF Documentation for Application # XXXX for Texas XXXX XXXX XXXX XXXX Program so the State can make the past due payments RE : Loan No : XXXX The Texas XXXX XXXX XXXX team sent you the XXXX Form and requested information on about XX/XX/, 2022. I have also called over four times and sent several letters and email XXXX return the documents back to them. On or about XX/XX/XXXX, I called and the Customer Service Rep said I should check back within a few days. I called again, today, XX/XX/, 2022 and I am following up in writing. Please be advised that I am getting assistance from The Texas XXXX XXXX XXXX team to pay past due balance that is XXXX says is delinquent. Send information to The Texas XXXX XXXX XXXX team so that they can process application and send you the funds directly. By and through this correspondence, return the XXXX documentation to the Texas XXXXXXXX XXXX XXXX by expediting application so payment can be released to XXXX. Thank you. Sincerely, XXXX XXXX
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
Date Received: 2022-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted Specialized Loan Srrvicing LLC XX/XX/XXXX and XX/XX/2022, to dvise them that my taxes were due of XXXX. I was assured in XXXX that they would get paid. The taxes were due XX/XX/XXXX. So I call them on XXXX XXXX to advise taxes are NOT showing paid. They stated they would contact my county tax office. It's now XX/XX/XXXX and my taxes are delinquent. I pay a lot of money in an escrow account for my taxes to now be delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good Morning : I have been trying to work with SLS mortgage company. My loan is in default. I received assistance of {$65000.00} from TX XXXX program but the mortgage company would NOT accept it because it was not the full amount. I was pleading for a loan modification and this amount would help substantially with some personal funds that I have. Instead XXXX has continued with the foreclosure process instead of working with me, the homeowner. This lack of communication and lack of assistance upon request has been going on since XX/XX/XXXX and now I am scheduled for Foreclosure on XX/XX/XXXX. I am quite sure there are resources out here to help, I just don't know who to contact. Please advise if you know of any resource that I can contact. Thanking you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am wrongfully being charged a lender placed insurance. I have tried working on this issue from XXXX XXXX with XXXX At XXXX XXXX Loan # XXXX XXXX then sells my loan to a new servicer Specialized loan servicing at XXXX Loan number XXXX Where they begin collecting the prior fees I call the company to bring this to their attention XXXX told they will make inquiry and I was to cal back XX/XX/XXXX On XX/XX/XXXX I speak to XXXX in escalation he confirms no lapse I requested charge to be removed. He states he is unable to do that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a follow-up to CFPB Complaint XXXX and the other related CFPB complaints regarding the substantial delays by this servicer to agree to have the property reevaluated due to substantial energy efficiency improvements, in order to have the upfront paid PMI policy cancelled and XXXX refunded. As chronicled in the XXXX processed and uploaded in their portal, the broker 's price was {$260000.00} ( page XXXX of XXXX of the document ) which ends up leading to a loan-to-value ratio of roughly 60 %, far less than even the minimum threshold of 80 %. The XXXX also notes the substantial energy efficiency XXXX at the bottom of page XXXX of XXXX of their document. Therefore, the threshold has been reached to have the unnecessary PMI policy on this property cancelled and proportionally refunded. For some reason in previous complaints they didn't even understand that it is possible to cancel an upfront paid PMI policy. Hopefully others don't have to experience such unnecessary delays.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
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 disputed this XXXX XXXX XXXX and it has not been corrected. The account is still reporting wrong on my credit report but it is already closed. This account have been closed however, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file. 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: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan Servicer doubled my City taxes, as per letter received XX/XX/XXXX. XXXX, Tax Department have no record of such increase. submit all corrected documents via mail, several phone calls, issue has not been resolved. 3 months and continue. Paid insurance in full. They continue to withdraw monthly premium.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13905
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortage was transferred from XXXX XXXX to SLS effective XX/XX/XXXX. During this time tax statements were being printed. I paid my taxes directly to the taxing authority and uploaded documents to the new servicer, SLS same day while on the phone speaking to a representative. The representative confirmed receipt of the documents and the system was updated to pay the XXXX and XXXX taxes the following year. When I logged into my account today the same taxes I paid on XX/XX/XXXX show paid again although the system was updated not to pay until the following year and a esrow analysis was completed with raised my mortage to were I will not be able to keep my home.
Company Response:
State: TX
Zip: 77583
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Special Loan Servicing, my mortgage processing company, still after 7 months, has not corrected wrong late payment report on my credit bureaus records. This wrong report has been taking a big toll on my credit, my financial situation and my ability to get favorable rates on my revolving credit. I have been sending over 6 or 7 complaints regarding the abuses from Special Loan Servicing. Do I need to attach all my previous attachments proving that I started payment immediately after my forbearance ended. I never missed any payment and I never had any late payment. Still in my XXXX account it wrongly shows I have 1 30 day late, 1 60 day late and 4 90 day late payments. I never paid any payments late and I never missed any payments. Please help. I am sure I am not the only one complaining about Special Loan Servicing. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I made a manual payment for XX/XX/XXXX monthly payment for the amount of my regular monthly payment of {$1900.00} ( I wasn't sure if I was on the automatic payment setting ) Then on XX/XX/XXXX an auto draft was done by the amount of {$1900.00}. When I realized Specialized Loan Servicing Mortgage company had done this I called to ask for a reimbursement of the extra payment or to apply it for the following month the agent said she could request it only ( didn't specified ) On XX/XX/XXXX again the auto draft was done for the monthly payment of {$1900.00} So I called SLS to ask about the requested on the extra payment and they said they already reimbursed it on XX/XX/XXXX. However I have no activity on that date in my bank statement. So I called my bank and on XX/XX/XXXX that reimbursement was made. Sat XXXX I start receiving calls everyday until today to pay for XXXX. That doesn't make sense so I called and an agent told me to send my unedited XXXX bank statement to show the auto draft SLS did on the XXXX. So I emailed it XX/XX/22 to XXXX and waited. No replies. XX/XX/XXXX I called SLS to make sure I pay for XXXX and spoke with XXXX and she found out that the XXXX payment was on the limbo and I still owe for XXXX and XXXX. I asked if I can pay XXXX while the issue is under review and she said NO wait until I call you next Friday. Friday XXXX no call from her so I call back and ask to speak with her since no agent has a direct call I have to give whoever I talk to her caller ID. I finally spoke with her and she reviewed my bank statement and agree that XXXX payment was not applied to that month. Then she said I had to send a qualified written request with bank statements to their Colorado office since they don't have a phone number to call and there is no further action for her to proceed. Monday XX/XX/XXXX I received another call from agent XXXX caller ID XXXX He called to collect XXXX payment. I spent XXXX hour explaining again the whole ordeal. He found out that {$1100.00} was applied to the escrow ( without my authorization ) I asked what do mean escrow what happened with the rest of the money? He said he would request to transfer {$1100.00} to my XXXX payment and after that he will figure out where the rest of the money is. He told me not to pay for XXXX because it will be apply to XXXX. He said he will call back. Monday XXXX he didn't call. So I call back and spoke with another agent and he couldn't get a hold of XXXX after sending him an email, notes. Right after I hung up the call, another agent called me ( I believe his name is XXXX XXXX he ask to collect over {$4000.00} that I owe. So I told him that XXXX was already figuring out what happened and he didn't even care what I said he kept cutting me off and yelling that I had to pay. Still no resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37055
Submitted Via: Web
Date Sent: 2022-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A