Date Received: 2022-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested a copy of my amortization schedule for my home mortgage.The reason for this request is that I have been paying an extra amount that is applied to my mortgage principal on a monthly basis for the past XXXX years. I was told by an agent at sls, Employee # XXXX.That SLS can not provide me an amortization schedule, that has been updated But they can not and will not send me a copy of the original amortization schedule
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. 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 a my file at 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 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. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, 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: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, sent and verified via Certified Mail, XXXX XXXX XXXX XXXX c/o Servicing received a request for full disclosure of the amount due on our precomputed consumer credit account and a demand for a prompt return of our unearned interest. They were notified that they had a 5 day period to comply with our request pursuant to 15 USC 1615 of the Truth in Lending Act and they have failed to comply. Its past the 5 day period in which they were to give us a prompt refund of our unearned interest as well as give full disclosure of the amount due on our precomputed credit account. I have called them twice in connection with our request and they have failed to comply with an oral request in addition to failing to comply with a written request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79928
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XX/XX/2020, Specialized Loan Servicing, " SLS '', conducted a review of my application submitted for a loan modification and was approved. To accept the offer, my initial trial payment of {$390.00} with a date of XX/XX/2020, must be received no later than XX/XX/2020. Payment was made on XX/XX/2020 and credited to the account on XX/XX/2020. The period in between XX/XX/2020, scheduled payment date and the offer experation date of XX/XX/2020, is their grace period to allow me to opt in. Permanent Modification start date was to be XX/XX/2020. Second trial payment of {$390.00} paid on XX/XX/2020 and credited to account on XX/XX/2020. Third and final payment was made {$390.00} and credited on XX/XX/2020. I submitted ( 2 ) signed copies of my modification agreement, and SLS had signed the modification agreement and my mortgage was to be permanently modified and my name put on the account. I provided all information and documents thru a few lawyers for 2 1/2 years. My mother has been dead for 8 years! I have not missed nor have I been late on payments since her death. I still reside in this old house. I am paying over {$1200.00} a year for homeowner 's incsurance that I can not use because my bank will not cash checks made out to THE ESTATE OF. There is NO estate. My mother died broke. I could have received a discount on my homeowner 's insurance with my security cameras but they said I don't have credit. I needed another internet service provider and had to pay a sizable deposit because they said I don't have credit. The bullet holes that are in my windows are still there because I can't get the check cashed to replace the broken windows. The plumbing problems are destroying my wood floors. I hope I don't fall thru, I'm already XXXX! I should have credit but SLS continues to give the credit to my dead mother. They don't get their money from my dead mother, they get it from me straight out of my bank account every month! All I have done is continue to pay for what my mother left. Why am I being punished????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79763
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX program. This was offered to us, on the premise, that we could defer these payments to the end of the loan. With every time the forbearance was offered we took it, once again asking if these payments were to be deferred. They replied with a yes! Like all companies that deal with payments or collecting debts, they record the interactions with clients! Upon trying to start making payments again, the company wants a full payment of arrears! When I asked what happened to pushing these Forbearance deferred they replied no! Full payment! All we asked at this point was to modify our mortgage, again they replied with a no. We tried making Mortage payments but they told us the money would go to escrow, along with the usual monthly payment!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: With the main loan or the big loan I am ok with a lot of sacrifices but I am paying on time because my son is helping me to pay with the 2nd loan is with the one I have problems. The put me on foreclosure but according to them they canceled it..because I didn't pay the 2nd loan for a while.. the confusion and problem was that nobody send me a bill since I did a bankruptcy on 2010 and the judge asked me if I want to keep my house and I said yes.. I thought it was included in the first loan but not when I tried to refinance that's when I found out that I have a lien against the property. The company for the 2nd loan never send me a bill or anything.. I was trying to talk tot the attorney that help me with the bankruptcy but i found out that she XXXX XXXX XXXX XXXX XXXX I asked my bank for the 1st loan and they said they didn't know anything about it. Last time I new from the 2nd loan I owe $ XXXX. Lately I've been trying to negotiate an pay it they brought me back and forth for 2.5 year and nothing.. now they're saying that they will sell my house so I pay them the loan now they are trying to charge me more than $ XXXX because I didn't pay the loan at all which is not truth I paid the loan to the first bank which was The XXXX XXXX then later to XXXX XXXX XXXX XXXX etc etc.. when I did XXXX its when it stopped that why i thought it was included in the first loan. I don't think is fair that when I find out about the 2nd loan I've been negotiating with them and they didn't accept it now. They are not counting the time that I was paying the loan. I'm a hard working person my husband has been struggling with his health since XXXX of this year.. not able to work.. only me the one that is working and been responsible and paying all my bill.. please help me. I agree to pay what I owe but not triplicate the amount which I don't owe.. plus I never received a bill that was saying that I owe. Respectfuly, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91913
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hello my family is hit very hard by the Covid and my husband is an auto mechanic and there is no business for several months. This made it hard to pay our mortgage to Specialized Loan Servicing and we fell behind and now they have a foreclosure sale for XX/XX/XXXX. We live here with our XXXX children and have owned the home for 15 years and do not want to lose. When XXXX 's hours were cut we called the lender to ask for help to modify our loan. They ended up offering us a forbearance and they said we could skip the payments and they would add them back in the loan balance and work with us to modify or restructure the loan. The forbearance ended in XXXX XXXX and XXXX wanted us to make the full payment, but my husband was still only getting part time hours. We asked them to work with us and applied for a loan modification. They told us a few months later that we did not qualify. No one could say exactly why, one person said that there was not enough income and someone else said the lender would not allow another modification. We don't know for sure, but we do know that our financial situation is much different than when SLS reviewed us for loan modification. My husband is working full time and got a raise because he specialize in XXXX cars. Also my adult son who lives with us is working full time and helping with the bills. We are making more money and want the chance to be reviewed for homeowner assistance options based on our current income. SLS says sorry it is too late, we will not review for any modification because you can't have one. We don't know why. In XXXX my husband had XXXX and he missed a lot of work during XXXX but is OK now. We applied for a loan modification at that time and were approved. We make all payments until Covid comes. When they give us the forbearance they explain that it was fine to miss payments that the loan would be modified at the end to fix the late payments. But they have not done that. If they are saying we can't have a second loan modification, why did they tell us they would help us get a new loan modification after the Covid forbearance? If we can't have a second loan modification please give us the information on the owner and investor of loan with their modification guidelines and also the agreement they have to service the loans so we know this is real and true. We have enough money to make the mortgage payment or even a higher payment or repayment plan because our finances are much better. But we are behind {$53000.00} because of Covid and SLS is trying to get us to pay this all at once and we can't do that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and Equifax 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 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 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.My credit report includes the following erroneous information that needs to be investigated and correct : 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: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: my XX/XX/2022 payment has been refused to apply to my loan. the company said it was because the amount was less than required, however my payment was exactly the amount on the statement from the loan company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing received full payment for XXXX on my up-to-date mortgage account ( attached SLS statement - XXXX ) on XX/XX/2022. Today I called and asked why there is {$83.00} late fee ( see attached XXXX ) and found out about the unauthorized changed status of my loan on my account, and after complaining that I never authorize any changes to my loan, SLS representative agreed it was a mistake. I did not and do not want loan modification, and did not sent any documents saying otherwise. Somehow without my permission they applied my payment to a new modified loan that they chose for me and decided for me. This company changes documents as they please and ignores on-time payments. I hereby again state that I DO NOT WANT LOAN MODIFICATION AND AM HAPPY WITH MY 3.3 % monthly mortgage rate. I DO NOT WANT ANY LOAN MODIFICATION.
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: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A