Date Received: 2022-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a new complaint rather than a duplicative one due to new facts occurring after any previous complaints, and the submission of additional evidence : SLS has now blatantly lied to both us and the Federal Government by claiming that we never discussed the removal of the PMI based on substantial improvements. However, these are the objective facts based on written communications : ( 1 ) We signed the Authorization for Internal Valuation dated XX/XX/2022 ( attached as " SLS PMI Removal Signed '' ) with a check in the " Check here if substantial improvements to the property need to be considered in determining the current value '' box. We even wrote that be had replaced " all carpet with LVP, new appliances, new fans, etc. '' I have also attached a confirmation of the fax being sent to SLS on that same day ( attached as " FaxZero Confirmation '' ). SLS also confirmed receipt of this specific fax ( attached as " SLS Confirming Receipt of Fax '' ) We never signed any separate documents. ( 2 ) We received our appraisal showing a contributory price of {$60000.00} ; ( 3 ) SLS then denied our request to remove PMI stating that we had not reached a threshold of 75 % principal to value ratio ( attached as " Denial for Not Meeting 75 Threshold '' ). They even officially wrote to us through the CFPB portal, and to the CFPB that they could not remove the PMI because of the 75 % threshold per complaint XXXX ; ( 4 ) We made an over {$11000.00} payment to SLS on XX/XX/2022, after receiving their response in Complaint number XXXX because they specifically told us in writing that we had to, even though we had always repeatedly said in writing that we were doing this whole process because of " substantial improvements '', even in that specific complaint ; ( 5 ) SLS then has the audacity on XX/XX/2022 to write a letter to us and officially respond to the CFPB in Complaint Number XXXX by citing a telephone conversation in late XXXX as a basis for the " loan to value ratio '' not being discussed ( attached as " Frivolous Letter '' ). SLS is literally attempting to gaslight the borrower and the Federal Government by not taking responsibility over this situation. To reiterate the written documentation includes : ( a ) the signed authorization stating that we were proceeding with the internal valuation because of substantial improvements with a box literally checked on the form for this purpose ; ( b ) proof of this fax being sent ; ( c ) proof of receipt of this form ; ( d ) a denial via a letter dated XX/XX/2022 and as a response in CFPB Complaint Number XXXX on XX/XX/2022 for us not meeting the 75 percent threshold ; ( e ) a payment made on XX/XX/2022 based on fraudulent inducement by SLS because we relied on their statement that we needed to make a payment to reduce the threshold to 75 percent ; ( f ) their frivolous XX/XX/2022 letter trying to gaslight us and the Federal Government by pretending their did not have knowledge of the borrower petitioning to remove the PMI based on substantial improvements, and citing an irrelevant late XXXX conversation. Even our CFPB complaint XXXX submitted on XX/XX/2022 cited the " substantial improvements '' threshold. We are not some crazy people trying to submit a bunch of frivolous complaints. Rather, we have had repeated evidence that we initiated this process due to substantial improvements, SLS tricked us into making an over {$11000.00} payment ; and is now pretending we never discussed substantial improvements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing claim I owe $ XXXX on a XXXX mortgage. I have not paid a XXXX mortgage in over 10 years. When I modified or restructured my XXXX XXXX back in 2009 with the XXXX program the agent said my XXXX mortgage was forgiven or discharged because of my financial situation and my home being underwater. I have requested a payoff but it was for $ XXXX. The original balance was $ XXXX I have not received a statement in over 10 years. I requested a debt validation from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Specialized Loan Servicing LLC violated my rights 15 USC 1692 c ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with a collection of any debt ; 15 USC 1692 b ( 4 ) not communicate by post card ; 15 USC 1692 b ( 2 ) not state that such consumer owes any debt ; 15 USC 1692 b ( 5 ) not use any language or symbol on any envelope, or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 15 USC 1692 d ( 2 ) Related to harassment or abuse : not use of obscene or profane language against the hearer or reader ; 15 USC 1692 g ( a ) Related to validation of Debt-notices within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless, the following information is contained in the initial communication, or the consumer has paid the debt, send the consumer a written notice containing : ( See ( g ) a-1, a-2, a-3, a-5 ) ; 15 USC 1692 k ( a ) 2 ; ( c ) ( d ) Related to civil liability and debt collector should pay for damages and injuries caused to the consumer ; ** I the affiant invoke my rights as a consumer to withhold all past, present, and future disputed amounts pursuant 12 CFR 1026.13 ( d ) 1 : ** I the affiant has sent certified letters with returned signature, as the administrative process requires, to SLS requesting proof and evidence for alleged debt, agreement between parties with binding contract and wet signature, that they did not purchase debt from the origin source, that they are not debt collectors, that they are not a third party agency, that they have authority to contact me and harass me using violence, threats, conspiracy to commit fraud and extortion, etc., I the affiant has proof of all correspondence sent to SLS via certified mail using the postal office as " Postal rule '' ; from Debt Validation on XX/XX/XXXX, Cease and Desist on XX/XX/XXXX, Affidavit of Truth on XX/XX/XXXX, and a final Extension letter on XX/XX/XXXX to provide requested information. But SLS has failed and did not provide any of those ; instead SLS has continued to use my name, address, credit records, DOB and other private information without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX was my Mortgage Servicer- until 2 months back. The Investor on my Loan is XXXX XXXX, I believe. So under the CAREs Act due to the Corona Virus Pandemic and the attendant hardships I faced, I was given a 18 Month Forbearance Plan. And from XX/XX/XXXX, I have resumed my Payments. I was able to log in and pay the Monthly payments regularly, on XXXX XXXX web site. I had also submitted the required paper work and requested XXXX XXXX to add the unpaid instalments to the back end of the Loan, as per the Cares Act and XXXX XXXX guidelines. They said they were working on it. But suddenly, they transferred the Servicing to SLS ( Specialized Loan Servicing ) in XXXX or XX/XX/XXXX and were no longer accepting my payments. I created an Online Account with SLS and tried to make my monthly payments. But unfortunately, the system was not accepting my payments and was demanding the entire Forbearance Amount of $ XXXX at a time. I called the SLS Customer Service both in XXXX and XXXX and made my Monthly payments over phone. In XXXX they said the file is not fully received from XXXX and I should call back in XXXX. When I called back in XXXX, I was told the Loan Modification is under progress. However I started receiving " NODs '' ( Notice of Defaults ) by Ordinary mail and Certified Mail ( copies attached ). When I called them again and asked why I am receiving these NODs, I was told to ignore them. The last I spoke to was one XXXX XXXX of SLS at XXXX XXXX on XXXX XXXX ), who assured me that they got all the requirements and nothing is required from me. She said the Loan Modification is being reviewed and I should be hearing from them soon. But within 3 or 4 days, I got a NOD by Certified Mail from SLS. I am really at a loss to understand what is going on..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2022, I requested a forbearance extension via their online web portal. Today, XX/XX/2022, I received a message stating " Due to the status of the account, we are unable to submit the forbearance extension via the Message Center. ". This company gives me trouble every time I attempt.to extend my forbearance. I am entitled to six more months and it has required a CFPB complaint for the account to be fixed each single time. This is beyond egregious. I also submitted a mortgage relief application through the state, and the state has said that they have been waiting on a response from the servicer for about a month now. As I said before, all of SLS 's actions appear targeted to result in foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed one complaint already about Specialized Loan Servicing ( SLS ) and the fact the the mortgage was paid off. Once again, SLS has put the loan amount back on my credit which has since lowered my credit score again!!! SLS needs to remove the paid mortgage off of my credit with XXXX because they are showing the mortgage has an open balance!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
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: Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 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: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Greetings, this is yet another complaint for the same issue as before, loan servicing company is again harassing and threatening to levy flood insurance alleging my policy expired in XXXX, XXXX, XXXX, when it did not. Just a few months ago they were doing the same and the policy was uploaded to their systems which shows expiry of XX/XX/XXXX, yet here we are again. How can we make this stop? I have owned multiple properties before and have never had issues like this with any lender/loan servicing company. Its most concerning and another reason for this complaint that the company does NOT have a customer help line. I have called the number on the documentation received and am given all auto options, but no option to speak to someone. Further, i have sent emails to the XXXX and those are never responded to. In my last complaint the company alleged not to have received my emails, i'm sure they will do so again, but i have the proof that they were sent. Can CFPB do anything about this? Are consumers to pay for these company 's incompetence?
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: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been asking for relief for several years. Loan was originated with XXXXXXXX XXXX several years ago and has been sold several times. I was told in XXXX of 2022 the loan was current-The are now saying it is delinquent and wont let me make a payment unless its for the full $ XXXX. I don't have that money but will pay {$2000.00}. They wont accept any payment at this point. I don't know what to do at this point. I have somebody will to buy the house but i cant make any payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A few years ago, I was advised to prevent foreclosure, I had to accept a loan modification. I was advised there were no other options available. I have recently discovered that the modification added a {$50000.00} balloon payment to my loan. I was never made aware of this additional balloon payment. I filed chapter XXXX and completed the repayment program as designed During the bankruptcy, my loan was transferred to a different company. When I asked about the additional {$50000.00} added to my loan, I was informed that all they had was one page signed by me for the modification. I asked them to review that and please remove it as I was never informed or was I behind {$50000.00} in my mortgage. That was denied as they only took my loan from the previous company and will not review it. I am also not being provided any information that my bankruptcy payments were applied correctly. I feel that I was deceived by the mortgage company and was not made aware of these predatory lending practices I also feel I was taken advantage of and mislead because I am a single female.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A