Date Received: 2022-12-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good Morning, I started struggling with my Mortgage payment since XXXX and COVID made it worse because I work in the XXXX XXXX and many business were force to close. I apply for a Loan Modification but I was Denied. I have a trustee sale date for XX/XX/XXXX, Im asking the bank to postponed the sale date because my brother XXXX XXXX is selling his home, which is currently in escrow and the close of escrow is on XX/XX/XXXX. and he has giving instruction to XXXX XXXX to wire the money to SLS upon close of escrow. On XX/XX/XXXX I request an updated reinstatement to SLS and to the Trustee and have not received it yet. I contact them yesterday and they gave me a verbal amount I only requesting to postponed my sale date so I can re-instate my loan. ( See Attached Sellers XXXX and wire instructions from XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92804
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-09
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: This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have a loan with SPECIALIZED LOAN SERVICE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. The confusing part for me is it doesnt reflect anything except 30 days past due. Ive never been behind on my payment, as required 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 5 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 a my file at XXXX and XXXX is 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 item 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. I tried contacting the XXXX and XXXX Credit Bureau and the SPECIALIZED LOAN SERVICE but they have provided me with nothing tangible which reflects anything verifiable. There is definitely an error with their part. I was never late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX. Investigate properly and please update for 100 % accuracy. XXXX OF XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00},
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: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Services ( SLS ) currently takes impounds out of my mortgage payment to pay for Flood Insurance covering my property. The loan servicer did not make the payment. The policy was set to expire in XXXX of 2022. As of XX/XX/2022, no payment has been made by SLS. We had a policy in place with XXXX 's XXXX. This policy lapsed XX/XX/2022, due to SLS not making a payment from the agreed-upon escrow account. SLS then took out a lender policy at an amount over 200 % more than what our current policy was. To this date, SLS made no payment to XXXX. We had to pay XXXX 's directly for a new policy. SLS did not make a good faith effort to pay the existing policy we had in place. Per their representatives, they stated the Insurance Company and Agent were called, the latter, two business days before the policy was set to lapse. Nothing was sent in writing the Insurance Agent, Insurance Provider, or Mortgagee. My husband and I did not receive any calls. My husbands number is available through their system. I have requested mine to be updated multiple times, both over the phone and through their customer portal. The number was not input correctly when it was purchased from the previous servicer. As of today, my phone number is still incorrect. We have sent SLS a " Notice of Error. '' Requesting that they refund the over {$900.00} they charged us for the Lender Policy taken out due to their non-payment. They responded that they were not responsible. The lender stated the Insurance Office once, two days before the policy was set to lapse. I spoke with the Insurance Office ( XXXX XXXX ), but they did not receive any message or call from them. SLS did not start sending anything to us, the property owners, regarding the new, more expensive, Lender Policy until XX/XX/2022. As of today, SLS has not credited us the amount for the Lender Policy. I have reached out to SLS by phone to have the escrow account removed. Our low XXXX allows this. They often transferred me from department to department to automated systems requiring me to hang up and call again. Once I finally did get someone on the phone, I was told that I could not remove the Impounds for flood insurance. It is incredibly unethical for a company to force a consumer into paying into an escrow account for a policy they have historically had trouble paying. To make matters worse, they took out a significantly more expensive policy because of their inability to pay the policy already in place. The $ XXXX policy we currently have is no hardship for my husband and me to pay. We pay both our hazard and property taxes-over {$55000.00} in full. We feel that SLS is profiting from non-payment of policies that should be paid out of the escrow accounts of their consumers. We request that we be credited {$900.00} for the policy SLS took out and charged us. We also ask that impounds no longer be taken from our mortgage payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My XXXX and I both became very ill with XXXX. After recovering from XXXX I had a XXXX XXXX. My XXXX has recently been diagnosed with XXXX XXXX and is having XXXX on XX/XX/2023. When my lender offered me a forbearance plan while we recovered, we thought it was a godsend. However, my lender did not explain that they would not be helping me afterward. Now I owe a large sum that we do not have or we are at risk of foreclosure. We have been through so much and this is adding to our stress. We would like to pay our mortgage again. Please help, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX RE : Request of support and mediation with Specialized Loan Servicing to avoid the foreclosure of my home Complaint # XXXX XXXX XXXX, Loan # XXXX Property Address : XXXX XXXX XXXX XXXX XXXX VA XXXX To Whom it May Concern : Regarding my Complaint # XXXX, I want to inform you that I could not provide you with the name and contact information of my loans investor because my Servicer refused to give it to me by phone or email. Attached I am sending a copy of the letter I sent to Specialized Loan Servicing formally requesting the investor information. I understand that cases have due dates for submitting data, but it has not been easy for me to deal with my Servicer. I would appreciate it if my case remains open until we receive an answer from my Servicer. Best regards, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Phone number XXXX XX/XX/XXXX, XXXX Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : XXXX # XXXX. Your letter dated XX/XX/2022 Property Address : XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX Certified Mail # XXXX Dear Servicer : The Consumer Financial Protection Bureau requires the contact information of the Investor of my loan ( # XXXX ). I called several times to get this information by phone, and finally, your customer service agents instructed me to send a request in writing. Thus I would appreciate it if you could send the following information as soon as possible Investors name or company name. Mail address Phone number Contact name, email address, phone number, and address. Sincerely, XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX. Consumer Financial Protection Bureau
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: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX Hello, XXXX XXXX XXXX XXXX in COLORADO I dont have enough money to pay you. My mom will get a second mortgage and I dont know how long that would take. Ido not have my paycheck for 20 days now. XXXX I am eating at the church, I have no gas, my head and body remains injured with pain and suffering. XXXX I hope I am not late to pay utilities because it is winter. I am still waiting for the box to put in your malfunction computer and a return label. XXXX I have everything packed while with Covid.I work remote and computer broke so they encourage me to get a new one from their XXXX miles away. I fell from the snow and ice. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX broke my eyeglasses on XXXX. XXXX They gave me malfunction computer and I had ask for another one and nothing happened since day XXXX XXXX XXXX XXXX finally the computer did not boot up and spent over 2 hours with XXXX XXXX, the tech guy without success. I resigned that day because they did not provide the tools and resources for me to use during online webex training. on XXXX I got XXXX and really sick so when I resigned on XXXX I told them I am going to XXXX as an excuse so that I wouldnt jeopardize anyones lives with my XXXX. All this happened after I resigned 4 hours into that training day. The mid level manager, XXXX lied to me and was urgently taking me out of all company related computer sites and email. She told me she will put me into the next training class on XXXX. Well another lie confirmed by XXXX the recruiter. I am suffering through this physical pain that no one in the XXXX XXXX company. I had to do my work and never took time for lunches, also working in the middle of the night to do work related learning. it has been 12 days now and I still have not received my final paycheck. They denied me access to XXXX to access my time worked. I used the company email to ask for it from XXXX XXXX, the facilitator. They discriminated again me because of my XXXX and did not follow the Colorado law regarding Covid and compensation. all of this stem from the companys computer to participate in the virtual training class. I have one more XXXX XXXXXXXX card that I will use if this company does not remedy me for time and wages loss. Everything has been recorded for evidence both virtually, by text, and also with a recording product. My family and I are so scared of them being two-faced. This egregious resting XXXX face of theirs is concerning. We dont want retaliation from and physical and emotional pain from them and are very scared of them hurting us. I have all email correspondence as well internally and externally It is delusional of me to go after a large international company that hasnt paid me my last paycheck from XXXX. I have been shaking in a dark room and havent left because of panic attacks. My family member told me that she will Take me to the XXXX if I do anything stupid. My mom is watching me with the XXXX surveillance and checking on me every couple of hours. I do not need a welfare check up from a XXXX officer. white ghosts live in a privileged entitled bubble with no understanding of our culture and it is time to move on, with or without your final paycheck from XXXX and XXXX or Covid relief funds.Life is not fair for you because you are XXXX living in the US. Say mom. I am going back to sleep again. I have not eaten in days and do no want my moms fix income for {$1200.00} in social security every month. I need to get ahold of more XXXX XXXX XXXX from the doctor. XXXX XXXX XXXX Thank you and goodbye. It pains me to see my XXXX XXXX XXXX mother with her own health issues to care for me. Goodbye, you wont hear from me again
Company Response:
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Purchased my home in XXXX, piece was XXXX. I put XXXX down, lender went XXXX XXXX and XXXX XXXX for some reason. In XXXX, due to hardship, after trustee sale date was served bY lender HUD negotiated with my lender through the Making Home affordable Act. To this day, XX/XX/XXXX I remain current on the HUD driven loan mod. Is, All Of a sudden, 14 years later and assuming it was included in HUDS XXXX, and with no payment made since since XXXX, Specialized Loan Servicing of Colorado has hired a XXXX XXXX ca attorney who filed notice of default on XX/XX/XXXX which ends XX/XX/XXXX after which they can announce and foreclose on my XXXX year family home. How was it missed by HUD? It was all original close of escrow funds required to move in. No one went to college or XXXX. Its been over 13 years since I made a payment I had no knowledge it even existed what can I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92544
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: It has been almost XXXX months since we first asked SLS to initiate the process to have our existing prepaid PMI policy cancelled and proportionally refunded due to substantial energy efficiency improvements to the property. However, SLS has stalled at every step of the way even after us having to file XXXX other CFPB complaints ( number XXXX, and number XXXX ). They claim to have ordered a XXXX on XX/XX/2022 but it is now almost XXXX weeks later and they wrote back to us today saying the XXXX has not been fulfilled and did not provide any updates. Every month that SLS delays this process we are incurring unnecessary economic losses since the proportionate refund is reduced for every month that the policy is not cancelled. We separately upgraded the range; added a water softener; renovated the bathrooms by adding new faucets, towel holders, and toilets; painted the living room, bathroom, and kitchen with cleaner and more modern paints; replaced all ceiling fans ; and added smart switches. SLS first tried to gaslight us by saying we had no right to a proportionate refund, then promised to allow us to initiate the process to have PMI removed based on the updated value to the eighty-percent threshold and the significant improvements, including energy efficiency improvements. Now they are just sitting around with no progress being made even though they closed our previous CFPB complaint claiming they had rectified the issue.
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: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, I attempted to use a balance transfer ( i.e., used a XXXX XXXX XXXXXXXX Credit Card balance transfer offer ) to pay down {$11000.00} of my ~ {$30000.00} remaining balance on my Home Equity Loan being serviced Specialized Loan Servicing LLC. Two weeks later SLS sent the check to me with a letter that they will not accept " credit card checks ''. I contacted SLS and could obtain no more info other than that is their policy. I don't believe such a payment restriction exists in my mortgage document. The SLS refusal to accept the {$11000.00} payment ( and future similar checks ) prevents me from paying down my SLS loan which currently charges me a variable rate of 7 % ( and rising ) with a credit card check that will charge me 0 % for 18 months and has a 4 % fee. This this policy will result in me paying an extra {$750.00} in interest as opposed to if SLS had accepted the balance transfer for {$11000.00} and an extra {$2200.00} in interest had I been able to balance transfer the entire SLS loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX To whom this may concern : Please Note : This is my second attempt requesting a response. I requested Specialized Loan Servicing, LLC to rescind the 1099-C, due to the unsubstantiated debt being 36 months old. If not addressed, I will have no other choice but to dispute this matter with the IRS and beyond. Please forward your correspondence via this CFPB portal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A