Date Received: 2022-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To conceal the truth about theft from securitized trusts, securities fraud, extortion for money not owed, obstruction of the bankruptcy process, bankruptcy fraud, obstruction of justice, and theft from consumers, EXHIBIT A : SPECIALIZED LOAN SERVICING ( SLS ) LLCS XX/XX/XXXX RESPONSE to our consumer complaints CFPB Case XXXX. : XXXX, XXXX, XXXX, XXXX contains materially false statements, fictitious accounts, false statements to federal agents about fraudulent documents and misrepresentations of fact and law while simultaneously admitting SLSs obstruction of the bankruptcy process as reported to the XXXX and flagrantly admitting SLSs obstruction of CFPB investigations into our consumer complaints. Complete with incorrect interest amounts, misapplication of payments, and missing payments, SLS falsifies accounting records by making and using false accounting documents because SLS is unable to validate any amounts owed. Mocking the authority of federal agencies, SLS covers up its theft scheme by consistent lies to federal agents puppeteered as SLSs myrmidons of thievery to trick consumers as was the case on XX/XX/XXXX in response to CFPB XXXX XXXX. : XXXX and on XX/XX/XXXX in response to CFPB XXXX XXXX. : XXXX. I. SLSS FELONIES ( 18 USC 1519 AND 18 USC 1001 ) : IMPERTINENCE TOWARDS FEDERAL AGENTS Presuming federal agents lack of intelligence, SLSs lies making false statements which constitute felony crime. The federal false statements statute, 18 USC 1001, categorizes SLSs lies to a federal agency as felony crime. 18 USC 1001 : Statements or entries generally ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; shall be fined under this title, imprisoned not more than 5 years or, if the offense involves international or domestic terrorism ( as defined in section 2331 ), imprisoned not more than 8 years, or both. If the matter relates to an offense under chapter 109A, 109B, 110, or 117, or section 1591, then the term of imprisonment imposed under this section shall be not more than 8 years. Obstruction of the proper administration of any matter within the jurisdiction of any department or agency of the United States and Bankruptcy with the intent to impede, obstruct, or influence the investigation is a crime under 18 USC 1519. Destruction, alteration, or falsification of records in Federal investigations and bankruptcy Whoever knowingly alters, destroys, mutilates, conceals, covers up, falsifies, or makes a false entry in any record, document, or tangible object with the intent to impede, obstruct, or influence the investigation or proper administration of any matter within the jurisdiction of any department or agency of the United States or any case filed under title XXXX, or in relation to or contemplation of any such matter or case, shall be fined under this title, imprisoned not more than 20 years, or both. II. SLSS FELONY LIES 18 USC 1001 A. SLS LIE # 1 : SLS DID NOT attach XXXX XXXX XXXX XXXX XXXX XXXX and Disclosure Statement, Deed of Trust, and notice of service transfer To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : For your reference, enclosed are copies of the XXXX XXXX XXXX Equity Maximizer Agreement and Disclosure Statement, Deed of Trust, and notice of service transfer. SLS failed to enclose copies of the XXXX XXXX XXXX Equity Maximizer Agreement and Disclosure Statement, Deed of Trust, and notice of service transfer because such documents evidence securities fraud and theft from securitized trusts. B. SLS LIE # 2 : Returned Payment XX/XX/XXXX XXXX XX/XX/XXXX Response lied to federal agents by stating : We do not have any records of having returned or rejected any payments in XX/XX/XXXX. EXHIBIT B : RETURNED XX/XX/XXXX PAYMENT SLS returns payments to fraudulently induce defaults. By rejecting payments causing the erasure of payee histories, SLS interferes with consumers banking records by deleting records of past payments and requiring consumers to re-enter the payee in order to submit payments. By SLSs own admission that we do not have any records of having returned or rejected any payments in XX/XX/XXXX, SLS not only lied to the CFPB agents to cover up its scheme of fraudulently inducing defaults but also admits possessing inaccurate and falsified servicing records fabricated by SLS solely for theft from consumers and securitized trusts. C. SLS LIE # 3 : Periodic Monthly Statements are required by Rule and Contract To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : While we have received your written request for periodic monthly statements for this account, we are unable to provide such until the account is discharged from XXXX XXXX Bankruptcy 12 CFR 1026.41 Periodic statements for residential mortgage loans. ( e ) Exemptions ( 5 ) Certain consumers in bankruptcy ( i ) No Exemptions Apply ( ii ) Consumer Request to Receive Statement A servicer ceases to qualify for an exemption pursuant to paragraph ( e ) ( 5 ) ( i ) of this section with respect to a mortgage loan if any consumer on the loan requests in writing that the servicer provide a periodic statement Regulation Z, 12 CFR 1026.41 ( e ) ( 5 ) ( XXXX ), provides that if any consumer on the loan requests in writing that the servicer provide a periodic statement any exemption pursuant to paragraph ( e ) ( 5 ) ( i ) ceases. SLS admits we have received your written request for periodic monthly statements for this account proving SLSs full knowledge of the consumer request to receive periodic monthly statements which by law 12 CFR 1026.41 ( e ) ( 5 ) ( ii ) ceases and terminates any mistaken exemption for SLS. Despite SLSs own admission we have received your written request for periodic monthly statements for this account, 12 CFR 1026.41 ( e ) ( 5 ) ( ii ), while admitting knowledge that a request for periodic monthly statements by law 12 CFR 1026.41 ( e ) ( 5 ) ( ii ) ceased any exemption to provide periodic monthly statements, SLS dares the CFPB to hold it accountable for breaking the law. Insistent on breaking the law, with irrefutable knowledge of their requirement to provide periodic monthly statements, SLS ignored the warning on XX/XX/XXXX by our XXXX XXXX Trustee XXXX XXXX XXXX, XXXX ( Trustee XXXX ) informing SLS that the CFPB had finalized the servicing requirements in XXXX : According to the final Rule, servicers must send monthly statements to borrows in bankruptcy. Trustee XXXX XX/XX/XXXX communication to SLS proved : the Bells have notified Specialized Loan Servicing, LLC asking to be sent monthly statements. To date, they have not received them. Because of SLS admitting we have received your written request for periodic monthly statements for this account, 12 CFR 1026.41 ( e ) ( 5 ) ( XXXX ), SLS breaking the law in front of federal agents employed by SLS as unintelligent myrmidons of thievery constitutes willful and malicious obstruction of the bankruptcy process and obstruction of the CFPB investigation processes for four valid consumer complaints through SLSs false statements, fraudulent servicing records and repugnant misrepresentations to conceal SLSs theft from consumers and securitized trusts establishes felony crimes the punishment for which under the law demands jail time. D. SLS LIE # 4 : Bankruptcy Rule XXXX Mandatory reporting requirements : To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : All on-going post-petition payments will be applied in accordance with the most recently noticed Payment Change Notice ( PCN ) pursuant to Rule XXXX. Exhibit C XXXX XXXX. XXXX Plan - XXXX XXXX XXXX XXXX XXXX XXXX ( SLS Theft ) = secured by a security interest in our principal residence and the plan provides that we will make contractual installment payments. Exhibit D : SLS HAS NOT FILED MANDATORY XXXX XXXX NOTICE OF PAYMENT CHANGES The DOJ and US Trustee Program has addressed the problem of non-compliance with Bankruptcy Rule XXXX through the Federal Consent Judgment with XXXX XXXX Bank, XXXX. ( XXXX ) filed in the XXXX Bankruptcy XXXX for the XXXX of Maryland. https : XXXX [ I ] t is clear that XXXX XXXX was intended to apply even if, as is the case here, the debtor is not in default on his mortgage. In re XXXX, XXXX B.R. XXXX ( XXXX ). Rule XXXX was designed to prevent unexpected deficiencies in a mortgage when a case is completed and closed. It does so by ( 1 ) requiring mortgage lenders to give debtors notice of changes to their mortgage payments and notice of certain fees, expenses, and charges; and ( 2 ) providing a mechanism for debtors to challenge those payments or fees, expenses, or charges. Id. The mandatory requirement of XXXX XXXX demands a court filing ever month for a variable HELOC. The variable HELOC in the present case establishes that SLS lied to the CFPB agents having never ever filed a XXXX XXXX. Again, SLS having never complied with the law or the mandatory requirement of XXXX XXXX, unquestionably proved SLS breaking the law in front of federal agents employed by SLS as unintelligent myrmidons of thievery is willful and malicious obstruction of the bankruptcy process and obstruction of the CFPB investigation processes for four valid consumer complaints through SLSs false statements, fraudulent servicing records and repugnant misrepresentations to conceal SLSs theft from consumers and securitized trusts establishes felony crimes the punishment for which under the law demands jail time. E. SLS Lie # 5 : Fraudulent XXXX reports with fraudulent data : To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : With regard to credit reporting, we report the delinquency as of the bankruptcy petition date of XX/XX/XXXX... On XX/XX/XXXX, Trustee XXXX email to SLS made clear : The Bells ' are currently in an active XXXX XXXX bankruptcy case and they are not surrendering the real estate property or have any pre-petition arrearages. They are current on all post-petition mortgage payments. In agreement with XXXX XXXX, on XX/XX/XXXX, our current XXXX XXXX Trustee XXXX XXXX XXXX ( Trustee XXXX ), by way of staff attorney XXXX XXXX, clarified the status of SLS Claim 3-1, being paid outside the confirmation plan, and being paid by contract, stating : no arrears on this claim. Thus, SLS lied to federal agents in its XX/XX/XXXX Response to the CFPB by stating we report the delinquency as of the bankruptcy petition date of XX/XX/XXXX when in fact both XXXX XXXX Trustees, XXXX XXXX and XXXX XXXX, agree that there has never been any delinquency on this loan. Simply put in addition to lying to federal agents, SLS misuses fraudulent XXXX reports to threaten and harass us and other consumers. SLS misuses fraudulent XXXX credit reports by fraudulently changing data in the fraudulent XXXX credit reports on a daily basis creating false histories and falsely imposed impact on consumer accounts which exemplifies the worthless value of credit reporting companies and their reports. III. SLSS FELONY XXXX 18 USC 1519 As evidenced by exhibits A-C and summarized above, SLS knowingly alters, destroys, mutilates, conceals, covers up, falsifies, and makes false entries in records and documents with the intention of impeding, obstructing, and influencing the investigation and proper administration of XXXXr XXXX bankruptcies and consumer complaints within the jurisdiction of the XXXX and CFPB respectively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21158
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a complaint about SLS Specialized Loan Servicing Inc. Servicing my loan. The letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my loan. Now they say I need to pay {$5000.00} to apply for this? I dont get it? The XXXX program was supposed to give me help thru the sevicer I want to file a complaint about Specialized Loan Inc. located in Colorado that Services my mortgage. Please read the attached document they sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX damage from hurricane Delta happened. I was sent a check made payable to my father 's estate ( I'm the admin ) and also SLS, XXXX. With everything happening that year the house didn't get fixed due to foundation issues not covered by insurance. SLS never pursued the claim money. XX/XX/XXXX foreclosure sale was executed by the mortgagee by placing a credit bid for the house and it then became XXXX XXXX XXXX property. When this occurs it wipes out any and all debt but in some circumstances if the bid was higher then the credit bid then that creates a surplus owed back to the borrower. And same thing occurs if the credit bid or auction bid is below the payoff balance then the borrower would owe the mortgage company. However no surplus or deficit was created therefore the loan was paid off in full when the mortgagee placed the credit bid. I have verified several times that there is no money owed on the loan nor has any collection action been pursued in the occasion money was owed. Within these special circumstances since the checks were not considered into the price at foreclosure and the amount was above fair market value the mortgagee relinquished it's insurable interest in the property by placing a credit bid. The loan balance was satisfied. I have been giving SLS months to cooperate this matter. SLS like usual they take a very long time to research and get information from " corporate ''. The entire loss draft department can't give me solid answer because it changes with each person I talk to. XXXX XXXX XXXX " If the amount of the bid is equal to or greater than the amount of the promissory note, the mortgagee 's security interest in the insured property is extinguished. And, therefore, the Mortgagee as owner is barred from recovering on a loss which occurred while it was the Mortgagee. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97321
Submitted Via: Web
Date Sent: 2022-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
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 submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX 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: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The servicer of my loan Specialized Loan Servicing denied my request for any home retention option, and I want to submit this complaint based on the following facts : On XX/XX/XXXX, I submitted a request for mortgage assistance because I am trying to save my home and only property. On XX/XX/XXXX, I received two letters issued the same day, XX/XX/XXXX. The first letter informed me that SLS had received my request for mortgage assistance on XX/XX/XXXX and that the request is currently under review, and this process will take at least 30 days. The second letter notified me that I was denied any home retention option and offered a short sale as the only option to avoid foreclosure. On XX/XX/XXXX, I called customer service because I was under the impression that this was a mistake. During my conversation with the Agent, he explained that the servicer & # XXXX ; XXXX system automatically denied my request. In other words, my request was never evaluated or seriously reviewed. I believe that the servicer failed to comply with the principle of due process. As I said in the second paragraph of this letter, this is my home and my only property. And yes, I have been struggling to pay my mortgages almost since I bought my house in XXXX, and the reason for my struggle is very simple, I was a victim of predatory lending. When I purchased my home in XXXX, I was young and XXXX, I was not fluent in XXXX, and I was a victim of unscrupulous lenders. The terms of both loans were predatory, but especially this loan XXXX was extremely unfair, with an interest rate of 13.125 %, double the rate of that year, and with a balloon payment, in other words, specifically designed to make it impossible for anyone to repay it. This type of loan and other predatory practices were the reason for the housing crisis in XXXX, exactly a year after I purchased my home. I have to recognize that I was offered a loan modification twice. Still, the offers & # XXXX ; terms were predatory because they included a temporary period of 36 months with a lower interest rate. After that, the interest rate would increase to 13.125 %, which is more than double the current interest rate. See below the detail : First offer : XX/XX/XXXX, 4.750 % interest rate ( At that time, the interest rate was 2.4 % for a 15- year mortgage ). After that, interest will increase to 13.125 % for the remaining 12 years. Down payment of {$21000.00} and a balloon payment of {$67000.00}. Second offer : XX/XX/XXXX, 5 % interest rate ( At that time, the interest rate was 2.8 % for a 15-year mortgage ). After that, interest will increase to 13.125 % for the remaining 12 years. Down payment of {$21000.00} and a balloon payment of {$65000.00}. Anyone who reviews these offers sees that they are predatory. Still, to save my home, I accepted those terms. I started making my monthly payments, hoping that I would get the money for the down payment from family and friends, which never happened because of the pandemic. This condition was probably intended to harm me because the servicer was well aware that I did not have the means for a down payment. Now the modification is voided, and the servicer wants to sell my home in a short sale. I was a victim of predatory lending practices, and 15 years later, I am still a victim of the same financial abuse. I respectfully request the help of the Bureau to protect my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX claims that in 2006 we took out a second mortgage on the same day as our first mortgage. They are now 16 years later bring this to court for foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53051
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Specialized Loan Servicing ) On XXXX XX/XX/2022, the XXXX XXXX XXXX XXXX XXXX XXXX has filed a {$100.00} lawsuit against me in order to foreclose my house. I have lived in the house for the last 18 years and since then the equity has tripled. In the last XXXX years, I have sent my mortgage payments on a regular basis and yet, Specialized Specialized Loan Servicing was sending notifications and harassment threatened letters to foreclose my house. In XXXX, they have returned the mortgage payment check and stated that I'm behind by {$8000.00} without being specific as far as the months they did not receive payments for. When I requested a payment history, they sent me a 60 page worth of payments history. I could have gone to my bank and showcased that they were receiving the payments and cashed them all. Since they stopped taking payments from in XX/XX/2022, so in XXXX I paid them {$5.00} over the phone to cover from XXXX to XXXX. To my knowledge, the fund was not applied into my account. In XXXX, they sent another threatened letter stated if they do not receive {$12000.00} in XXXX days, they will proceed to foreclosure. I did not even know where that amount came from. I had to settle with them to avoid foreclosure. I spent a total of {$18000.00} and yet most of the fund was not applied into my account. THIS IS STUNNING!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33463
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX became a new servicer to XXXX XXXX XXXX XXXX specialized loan servicing during that time my moms annual loan statement came out and showed a deficit in the escrow balance. She included with her payment a payment to be applied for the total of the deficit in escrow. The servicer XXXX XXXX specialized loan servicing did not apply The payment of the deficit amount to toward the escrow DEF deficiency therefore it got wrapped into the loan and the payment became larger. She was given a choice to either pay that deficiency in full or have it wrapped into the loan. She decided to pay the deficiency in full in addition to making her mortgage payment on time. Shes never been late. The servicer today has been slow to fix and redirect the deficiency amount to be applied in full and while my mom is protected under RESPA now two payments have passed without being paid until they can figure out the math. This is been a very frustrating process I believe somebody should be watching over their shoulder because Im sure we are not the only ones.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I submitted an application for a load modification due to unemployment during the Pandemic. I was unable to pay for almost a year and accrued, to date a total amount due of {$14000.00}. The loan was originally with XXXX XXXX. During the Pandemic my loan was transferred to Specialized Loan Servicing ( SLS ). This is where the trouble started. My children and I have lived in the property since my parents purchased it in XXXX. Upon their death the home was willed to me and I assumed the home as successor in interest during the Probate process and listed as such with XXXX XXXX. I received a package of documents from SLS early XXXX and by that time I was already behind on payments for the first time ever because of COVID-19. For whatever reason, SLS couldn't locate any of the Successor in Interest documents, or any documents for that matter other than the actual loan itself. I explained who I was when I called but I was not given any information and requested to submit the documents that would show me as Successor. This process took months to complete. I would send the documents several times as they never seemed to have received any of them. I spoke to over 10 customer service representatives who all had different or no information for me. The most unsettling is that they would call and ask for my deceased parents, no matter how many times I asked them not to. I have never seen this level of unprofessionalism and uncaring. My first Loan Modification Request application was sent XX/XX/XXXX along with all of the other requested documents verifying hardship due to the Pandemic. I complied with all requests every time I was asked to send a document I complied. The company would never ask for everything that was required. I would be told they have everything needed to make a determination on the modification, and then I would be called again asking for the same documents over and over. I ended up paying for overnight packages and faxes containing my parents death certificates, income documents etc. several times. It would take another several months ( XX/XX/XXXX ) before I finally got to an acceptance for the Modification. I was finally asked to pay 3 " good faith '' payments dated for XXXX XXXX XX/XX/XXXX for {$480.00} each, which I did. Shortly after those payments were made I was told I am now denied because my father was on the original loan documents and they need his signature. I had informed them several times over that my father died prior to this denial. His name was removed as a debtor with XXXX XXXX since XXXX and my mother 's name remained until her death in XXXX. This was established with all lawful entities involved. Due to the nature in which I was being treated up to this point I was getting fearful that SLS was not being forthcoming. I made 3 more payments and was told not to make anymore because it will not apply to current months. I requested the aid of my older sibling who was the Executor of our mother 's estate. I felt uneasy and did not trust that SLS was doing the right thing. They would never ask me for all the documents needed or either they claimed my documents were not received several times over. It does not take almost 2 years to modify a loan that I was approved for a year prior. I conferenced called SLS with my sibling many times to figure out why this process has been so difficult for them. We both felt Specialized Loan Servicing was extending the process for the modification to a point where I would no longer qualify. We both expressed our concerns. Still I complied because this is my children 's shelter. We would be homeless with no where to go. I sent SLS my father 's death certificate 7 times via fax, overnight mail, email, and USPS. I would send then get a call a week later saying they didn't receive anything. On my 8th attempt, SLS verified they have my father 's death certificate. Several weeks later, I called for an update and was told over a year and a half into this process for the 1st time, that I now need a Quit Claim Deed and I will have my loan modified. I hired a lawyer and it was filed with the courts and a copy was sent to SLS. I was requested to resubmit all of the previous documents again and complete a 3rd application for the modification XX/XX/XXXX. I thought the process was finally over and my home would be safe. I received a letter from SLS in XX/XX/XXXX that the only modification I qualify for now is a Quick sale of my home. The very nightmare I hoped wasn't happening is happening. At this point I start to look into this company Specialized Loan Servicing and find their F rating and 1 star on XXXX. Hundreds of families with the same story as mine. Some lost their home and are homeless, some had to hire lawyers and are still fighting. I feel so taken advantage of and swindled. All I ever asked was for my arrears to be placed on the end of my loan so I can resume current payments. I am a humble hard working mother of 3 and I don't deserve this. None of the families that SLS are doing wrong deserve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
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: 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 XXXX and XXXX credit bureaus to validate these accounts ( 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. My credit report includes the erroneous information that needs to be investigated and delete : 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: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A