Date Received: 2022-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Specialized Loan Servicing, LLC. is attempting to extort money from me to pay an alleged debt. I have tried privately to get a certified financial statement from their CEO or CFO, however my certified mail addressed to them gets a generic computerized response from a random " employee '' at their office. They use the mail to send threatening letters, claiming they have rights to sell my property if they consider me in default. After I brought my concerns to their attention that there appears to be an error with their claim, they took retaliatory action and transferred the account to another third party debt collector to take further malicious action against me and my property- again claiming they had rights to a foreclosure of my property. These third party debt collectors are conspiring to deprive me of my God-given rights to my property- they prey on consumers who do not have " business knowledge '' by sending documents with deceptive and fraudulent language you are not intended to comprehend, and is intending to be misleading, so they can get you to unknowingly abandon your property. I performed a securitization audit of the alleged account and came across the CUSIP report, detailing the value of the stock investment ( after Specialized Loan Servicing unlawfully sold the account to investors for profit ) and the value being in the millions, there does not appear to be ANY WAY I can be in any type of default or debt to them. They are GROSSLY and unjustly enriching themselves from the consumer 's lack of business sophistication to be able to spot the deceit in their documents and contracts. This corporation has already been sanctioned by the CFPB for the exact same type of fraud. It does not appear this has discouraged them from continuing to abuse consumers in collecting debts. I insist an investigation be brought unto Specialized Loan Servicing, LLC. and their partners XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. as to their business practices and specifically what policies they have instituted to prevent consumers from fraud and abusive debt collection practices. This corporation along with the other parties need to be stopped before any further harm can be done to myself or potentially millions of other consumers whose accounts these corporations may come into contact with. Respectfully and honorably submitted by : XXXX XXXX XXXX, beneficiary, All Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
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: When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). 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. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/201XXXX XXXX XXXX XXXX
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: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Started : called my phone I had as a contact marked " House '' my mortgage payment phone number. XXXX Told me they could modify loan 1. Pay escrow 2. Three trial payments in 2 months period 3. If meet then I would have new payment amount new interest rate and added to back of loan. I had signed up for forebarance with specialized and they ( scammers ) told me the dates correct XXXX to XXXX and they are calling in XXXX seemed right. Told me taxes were XXXX they needed XXXX XXXX prepaid cards. I bought 3 for XXXX each at XXXX he waived XXXX for my fee on buying cards. Then XXXX first payment of XXXX but again he said XXXX is fine and waived for fee. I asked for confirmation he sent to my email had mortgages logo on receipt. 2nd payment I was having car problems and they started rushing me to get prepaid card and when would I be calling it in they needed it by XXXX called several times that day. I Final got mad at them told them I didn't think they were legit. There were two different men I talked to XXXX XXXX supervisor and XXXX XXXX case manager have phone numbers and extension. My mortgage company was out of Colorado ( XXXX XXXX sold it ) one of the area codes they called from was XXXX ( XXXX, tx ) and other was XXXX. Was told from my true mortgage call center that they did their own debt collection he wouldnt take any of the scam numbers to check out just sent me forms to fill out for help on mortgage I think to modified payments what all started with the scammers. I also received envelope from XXXX XXXX XXXX XXXX. XXXX, tx XXXX saying they are debt collectors area code ( XXXX ) again and they have my info. I asked specialized about this name and was told he was not aware of such. I so confused what and where to send and who is legit or fake. I lost {$1900.00} to these creeps and still owe taxes and back payments I am going to lose my house and have been here since XXXX paying on mortgage I have XXXX XXXX cards and receipts even though they told me to cut them up. I know it is now XXXX but it made me utterly sick and dealing with this on my own my husband became incarcerated XXXX and couldn't help. Please help me retrieve my money I am XXXX right now looking. Thanks XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I would like to report the consistent wrong date entries for payment receipts and misleading multiple false entries of late fees on my account by Specialized Loan Servicing ( SLS ). My account on SLS account shows the last payment received on XX/XX/XXXX. My bank statement ( attached ) proves the money was deducted from my bank on XX/XX/XXXX and attached SLS document shows the money was transferred to SLS on XX/XX/XXXX. There should be no more transactions after XX/XX/XXXX and there should not be any late fees of {$15.00} or {$130.00} as it shows on my account. ( See attached documents, '' SLSacknowledgementOfReceipt '' there are 20 transaction entries by SLS, and the SLS representative is confused acknowledging what is the status of money I sent from my bank to SLS on XX/XX/XXXX ) I called on XX/XX/XXXX and was told my XXXX payment was XXXX. Checking online, it showed {$2700.00} and an additional amount of {$200.00} as late payment. I sent a check ( USPS-return receipt ) for the total amount of {$2900.00}. ( to ask about the {$200.00} late fee later ). 3 days later I called SLS to confirm the receipt of the check and I was told I sent the check to the wrong address, to SLS document center address, and it would not be posted on-time, or will be sent back to me. I was told to send the check directly from my bank account, and stop the other check, just to be sure there would not be a double mortgage amount posting for XX/XX/XXXX. I did exactly that. I stopped the check and sent money as it showed on the SLS website, in two different amount. One was for {$200.00} and the other was for {$2700.00}. Today I found various wrong posting on my account with various {$15.00} and a {$130.00} late fee, where there should not be any late fee. The mortgage cleared my bank account on XX/XX/XXXX for XX/XX/XXXX period.
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: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our forbearance plan is ending XX/XX/01 and we just received a letter saying that we got denied of any payment plan but to pay the $ XXXX in 2 weeks or short sale or deed in lieu were the only options given to us. I called them twice ( Specialized Loan Servicing ) asking for help but they said those were the only approved options. How is that possible? How can someone whos struggling to begin with pay all this at once? We need assistance in every possible way we can get.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22193
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since Specialized Loan Servicing was assigned this mortgage from XXXX XXXX Bank in XXXX, XXXX, they have claimed that we didn't make the payment that was due XX/XX/XXXX. We have had numerous phone calls with them, and have sent them several written letters with documentation ( bank statements, payment notices, etc. ) concerning this disputed payment. They have even provided me with documentation from XXXX XXXXXXXX XXXX that clearly shows that the payment was made. This mortgage will mature XXXX, XXXX. This issue will further aggravate the dispute of the balance remaining on the mortgage. This dispute may also interfere with the sale of this home. We have recently sent several certified letters with documentation to them concerning this issue. They have been incessant in calling us about what they allege is an overdue payment. We have received over XXXX collection phone calls from Specialized Loan Servicing since this problem began.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32548
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is in regards to a difficult situation with my mortgage servicing company Specialized Loan Servicing , LLC. I worked in the travel industry when the pandemic hit and my financial situation was drastically impacted- I was in a forbearance plan starting in XX/XX/XXXX and it had been extended until XX/XX/XXXX. Throughout this time I have had numerous conversations with SLS representatives who had advised that a deferral plan after the end of the forbearance was an option and one suggested a loan modification as my income had been cut and to start the process about a month from the end of the forbearance. XX/XX/XXXX, I called in to inquire about options again and ask about how they report loan modifications to the credit bureaus- I was informed a loan modification would report late on credit report and even after that it would have a drastic negative impact on my credit score. At that point I decided I wanted to go for the deferral option. The woman I spoke with verified I would not need to make up any back payments in order to do a deferral. I speak with SLS again beginning of XXXX. I tell them I want to start the process for the deferral and that I will start making payments again XXXX. We do some verbal questions and she said I was all set for now. I asked what I need to do now and she said nothing, just wait until someone calls me with an answer. I then receive items in the mail, one stating a relationship manager has been assigned to me and the other document said, Specialized Loan Servicing ( SLS ) received the documentation you had sent as part of your request for mortgage assistance. After our review, we have deemed your loss mitigation application to be incomplete. Please provide a copy of the following missing or additionally required documents below. I disregarded that letter as I believed it was an automated send out since I had never sent them documents, the documents listed to satisfy the requirement didnt apply to me ( quit claim deed, divorce decree, death certificate etc. ), and the woman I spoke with that did the verbal for the deferral never told me I needed to send in anything. Another week goes by and I havent received a call from SLS, so I call them. The next woman, ( Still never spoke with my assigned relationship manager ), said that it had looked like I had requested an extension on my forbearance and I informed her that was incorrect and so she reads further. She said I still needed to apply for the deferral- I explained I already had. She then says I needed to send written application / documents but she can do a verbal application and that way I wouldnt have to send in any documentation and proceeded to tell me she doesnt even know if my lender offers a deferral option. At that point, I was even more scared not knowing if I would have to pay the balance owed of over {$31000.00} in less than a month or lose my home. I did some research and came across WA State HAF ( Homeowner Assistance Fund ) and was able to make an appointment with a certified HUD counselor. XX/XX/XXXX, the housing counselor and I called SLS. The phone tree/verification prompts before we reached a live representative even stated, We have received all documentation needed and are currently reviewing your application. Once we reached a live person, I gave XXXX ( HUD Certified Senior Housing Counselor ) authorization to speak on my behalf while I was on the call. We spoke with XXXX and confirmed the basic information and the start/finish of the forbearance plan. XXXX confirmed the plan ends on XX/XX/XXXX but goes through the month of XXXX and 1st payment is due XX/XX/XXXX. I said that didnt sound right and that I had intent on paying XXXX. XXXX said that I still needed to send in the documents for the application, and XXXX said I shouldnt have to as XXXX will allow deferrals up to 18 months for the covid forbearance plans. XXXX was concerned that they were trying to review my whole loan and evaluate as if I was requesting a loan modification. We go around and around, continue to get the run around. Not understanding what is required or the next step, we are finally told that I had done a verbal for a deferral at the beginning of XXXX but it was a failed at decision on XX/XX/XXXX so that is why I needed paperwork. But when I spoke with the woman on the XXXX she said no documents were needed because we did another verbal. XXXX said she can cancel the whole request & start it back over and to send in a letter saying I want a deferral. But then changed her mind and said it wont start it over with a different result because of a Custom Total calculation failed. When asked what that was, she had no idea. As we were still getting the run around 35 minutes into the call XXXX requested that XXXX check with the supervisor to make sure documents were really needed. XXXX came back on the line and confirmed that they were needed ( RMA, pay stubs, bank statements, hardship letter, tax returns ) and added that they also would need to collect 6 months worth of payments in order to consider a deferral. XXXX stated that is incorrect because XXXX is deferring 18 months and that the supervisor was wrong and needed to know the guidelines. XXXX claimed that there wasnt anything she could do because the supervisor was now ( conveniently ) unavailable and the system is the one that told her I would need to pay 6 payments before I could do a deferral. XXXX said that the system was incorrect and needed to be fixed. If I didnt have the counselor on the call I would have been in hysterics being pushed around and not knowing what was happening, what was expected or what my options were. The representatives at SLS are uneducated on the services and yet attempt to answer a question passively just to move on and get off the phone. They never seem to actually care and majority of them had a bad attitude and some were down right rude. This company seems to have very unethical, dishonest, and unprofessional business practices and appears to take advantage of those they claim to care about as clients. They have bullying tendencies and a habit of giving people the run around on documentation and communication to extend the problem, which I can only assume benefit them on the bottom line, the XXXX At this point I am at a loss. I think I am supposed to give them documents but I dont even know because she then said I had to pay 6 months before I could get the deferral. Which from a HUD certified housing counselor that is not true. I am also concerned they are going to report This company has an F rating with the XXXX XXXX XXXX and a significant number of complaints regarding their unethical and at times scam-ish business practices. How are they still operating, especially in an industry where their actions and lack of actions can impact someones life immensely?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX lied to us and induced us to make an over {$11000.00} payment under the basis that we needed to reduce our principal to value ratio to 75 % to have our PMI removed. However, upon further examination, they failed to adhere to XXXX XXXXXXXX XXXX XXXX regulations ( excerpt attached ). Section 8203.2 ( b ) of the XXXX XXXX XXXX guide states that : " The minimum two-year seasoning requirement is waived if the Servicer determines the increased market value of the Mortgaged Premises since the Origination Date of the Mortgage is due to substantial improvements, the LTV ratio must be 80 % or less. '' Their own appraisal notes on Page 2, attached, that there was a contributory price of {$60000.00} with updated flooring, water heater, all new appliances, and new fixtures. We repeatedly, in multiple emails and correspondences mentioned that we were having the PMI removed due to substantial improvements. We even specifically noted on the signed authorization that we were doing so because of " substantial improvements ''. There is no reasonable basis to find that completely changing the flooring, appliances, water heater, etc. of a condominium does not constitute a substantial improvement. This servicer fails to adhere to the regulations of XXXX XXXX.
Company Response:
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello Consumer protection, please protect me! I am XXXX XXXX XXXX and, This stealing must stop. I paid my H.O. Ins policy in full as I always have. Im the XXXX XXXX on my policy. ( See attached ) Its Paid in full, so XXXX is not paying anything. Theyre just stealing money from my escrow. They have not made a payment at all for years. WHERE IS MY MONEY? My homeowners insurance goes down My Property taxes goes down ( see attached dated documents ) But SLS. Continues to take payments for these escrow bills out of my account knowing they are not paying anything or any agency. WHERE IS MY MONEY from my escrow account? I need ALL OF MY MONEY BACK I NEED MY ESCROW OUT OF THE SLS AND TO BE PAID ONLY BY ME. This is larceny, fraud and criminal because SLS KNOWS THEY ARE NOT PAYING MY ESCROW -.BUT INSTEAD STEALING MY ESCROW FUNDS. See SLS lie below saying they are making payments. My insurance company is not collecting double payments. Im the writing insurance agent. XXXX XXXX XXXX XXXX XXXX XXXX XXXX BY. XXXX ( XXXX ) XXXX -- -- -- -- -- Forwarded message -- -- -- -- -- From : XXXX XXXX Date : Friday, XX/XX/XXXX Subject : We Just Made Your Insurance Payment To : XXXX Error! Filename not specified. Hi XXXX XXXX, This is a confirmation email to let you know we just made one or more insurance payments for your loan ending in XXXX. XX/XX/XXXX {$1500.00} XXXX XXXX XXXX Our customer website makes it easy to view your loan information. Click the View Transaction History button below to access your account. You can make payments, order payoff quotes, change contact information and much more. Never miss a payment! Set up recurring monthly ACH payments credited directly to your account. Go Green! Help the environment by signing up for electronic document delivery. Error! Filename not specified. We have also created easy to follow XXXX videos to guide you through what to expect if your loan servicing has recently transferred to Specialized Loan Servicing LLC. The videos also explain the information included in your periodic statement and your escrow analysis statement. Questions? Contact Us. Error! Filename not specified. Monday Friday XXXXXXXX XXXX XXXX XXXX XXXX XXXX Error! Filename not specified. www.sls.net If you no longer wish to receive email communications from Specialized Loan Servicing LLC, click here to unsubscribe. You may also update your email preferences by logging in to www.sls.net to access your account. Select the Customer Profile link, then selecting the Change Email Preferences tab.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Supplemental Complaint TO CFPB ID FOR COMPLAINT SENT TO SPECIALIZED LOAN SERVICING LLC XXXX Company : Specialized Loan Servicing LLC ( SLS ) ( alleged successor to XXXX XXXX XXXXXXXX XXXX XXXX ) Supplemental Complaint of : Inaccurate information provided to Credit Reporting Agencies Attempts to Fraudulently Induce a Default Attempts to Fraudulently Induce a Breach of Contract SLS is Returning Direct Bank Wired Payments to Fraudulently Induce an unlawful Breach Breach of Fiduciary Duty Wire Fraud Embezzlement of Confirmed Payments Violations of Regulation Z Violations of TILA Violations of RESPA Bankruptcy Proof of Claim Not withdrawn SLS Never Filed a Release of Lien for the Fraudulent MEB Deed of Trust terminated by the Alleged XX/XX/XXXX Transfer False and Fraudulent Credit Reporting of HELOC Opened : XX/XX/XXXX I. On XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX informed me that my HELOC loan had been discharged and the account closed during my phone inquiry on the HELOC account Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX = alleged transferee to SLS III. Exhibit A : XXXX Credit Report XXXX XXXX XXXX, XXXX HELOC : A. Opened : XX/XX/XXXX B. Last Reported XX/XX/XXXX XXXX Reported Balance {$0.00} XXXX Account Status closed IV. Exhibit B : XXXX Credit Report Bank XXXX XXXX, XXXX HELOC : 1. This Account was closed XX/XX/XXXX XXXX. Last reported : XX/XX/XXXX 3. Reported Balance : {$0.00} XXXX. Nice! You've paid off 100 % of this loan 5. Opened : XX/XX/XXXX 6. Last payment : XX/XX/XXXX XXXX. Closed : XX/XX/XXXX XXXX. Worst payment status : Current 9. No Transfer to SLS you have 0 % left to pay on this real estate loan Clean Slate! As of XXXX XXXX, XXXX, you have no collection accounts on your credit report. V. Exhibit C : XXXX Credit Report SLS HELOC : A. False & Fraudulent Credit Reporting 1. Opened : XX/XX/XXXX ( {$0.00} balance Ex. A and Ex. B ) 2. Reported : XX/XX/XXXX XXXX. Reported Balance : XXXX ( XXXX ) 4. Account status : Closed 5. Last payment : XX/XX/XXXX XXXX. Payment history : a. Youve made 100 % of payments for this account on time b. Last payment reported as XX/XX/XXXX = XXXX and XXXX payments were submitted via electronic transfer with confirmation. XXXX Unknown payment entries : documented payment history with confirmation numbers provided to SLS, CFPB, and Justice Department ( sent via USPS Priority with tracking and signature verification ) d. Account was closed XX/XX/XXXX, indicating XXXX payment NOT OWED, however XXXX and XXXX payments electronically submitted and confirmed e. SLS never provided documentation to us to notify account closed as reflected in Credit Report information 7. Remarks Bankruptcy XXXX XXXX Bankruptcy Petition a. XX/XX/XXXX, {$0.00} balance ( during bankruptcy Ex. A and Ex. B ) b. SLS enters bankruptcy claiming balance due from XX/XX/XXXX, {$0.00} balance due c. SLS never files Bankruptcy Rule XXXX mandatory reports d. SLS never files Amended the Proof of Claim 8. Times XX/XX/XXXX days late XXXX a. Payee terminated in Bank account XXXX Can not submit electronic payments b. No loan statements from alleged servicer SLS after XX/XX/XXXX XXXX
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: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A