Date Received: 2022-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent a letter registered mail to Specialized Loan Servicing LLC stating I would like to end the collection of my escrow account on my mortgage note. As of this date I have received no correspondence from them that they received my letter or acknowledgement that Specialized Loan Servicing LLC has ceased to collect for escrow. This is unacceptable behavior. Specialized Loan Servicing LLC has ignored all my presentments starting XX/XX/XXXX in which there have been 7 of them sent registered mail and addressed Attention XXXX XXXX. This includes Notice of Acceptance of Credit Issued and Discharge of Debt, dated XX/XX/XXXX ; Notice of Opportunity to Cure, dated XX/XX/XXXX ; Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Request for Validation of Debt, dated XX/XX/XXXX ; Second Notice of Settlement and Estoppel, dated XX/XX/XXXX ; Notice of Fault and Opportunity to Cure, dated XX/XX/XXXX ; and Notice of Credit to Cure, dated XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98682
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We just lost our son, a XXXX XXXX XXXX Veteran closed on his first home XX/XX/2021. I had Power of Attorney ( POA ) and initially was to close on his home, as he was due to travel. My husband and I were skeptical of the XXXX XXXX that our son for many reasons, and typically do not involve ourselves with his decisions. However, in this case, our child was assured that if there would be anything amiss, we would take care of it. Our child was explaining that they were all friends now, totally trusted this " Veteran 's '' Group because they catered to Veterans like himself with credit issues, he was not very good at organizing money, and although he was very independent, it was the reason he gave me POA. They promised him they would get him a mortgage loan and they did. Due to Covid, he was basically in another country for over a year with lockdowns, and frequently traveled all over. This group filled in all the " holes '' to " fix '' his credit. It was all too easy and the closing date was moved up once learned that we would be signing the closing documents. There are many discrepancies and they told our son, " oh, we'll work with the numbers, '' basically don't worry about anything. We believe one or more of the group is not licensed, a letter written on my behalf, although I signed it after " typos '', I had not realized that it was a totally not my letter and untruths. Fees were charged without property exemption, and a money gift from us was used as a deposit when it was clear by our son that it was to be used for closing fees per request. Our son thought this was a real " Veteran '' Group ( XXXX XXXX ) they used all their own business partners and he was told they would take care of everything. Fast forward one month, our son tragically died in another country. In addition to this, after receiving Letters of Administration, Personal Representative of my son 's Estate, and Personal Representative on the house Deed, the original lenders did not contact us until I sent an email to XXXX XXXX XXXX XXXX XXXX XXXX as I knew it to be, and had one call with a promise to assist us ( XXXX XXXX XXXX, the loan was sold a few times, no one ever responded to calls emails, letters sent certified/return receipt, the Veterans Affairs Point-Person would not discuss or advocate on our behalf to assume our son 's loan per our request to many, which is all documented. Although the Death Certificate and Letters of Administration were sent to so many, loan servicers/debt collectors, individuals, customer support sites, and businesses, and this includes our attorney since the beginning. The Loan Servicer, Specialized Loan Servicing LLC have been billing, but refused two payments to bring current until we could get this mess cleaned up. The amounts refused were over {$11000.00}. I was just finally had communication yesterday that the house is in " foreclosure. '' There are so many unethical practices and deception, in addition to discriminatory practices, leading our son to believe this was a Veteran Organization, taking advantage of a XXXX Veteran, rushing the process, refusing to communicate at any time or level with us, having me sign the home mortgage after his death using the POA, and also signing the " Gift Letter '' after death. I know now that was incorrect. Our son had told us that he also had insurance to pay the house off, in case of death so his service dog would have a home, and we were moving there anyway to take of things while he traveled. Then he would do the same when we traveled. There is no death benefit to pay off the loan. After looking up some of these organizations, brokers, and individuals, it is very clear that our son was scammed under their predatory practices and deceptions.. The parent company is XXXX in XXXX, but the Servicing Debt Collector is XXXX XXXX XXXX.I have had to call the Sheriff 's Office in Florida and Connecticut several times because of unkempt individuals coming on the property with " No Trespassing Signs, '' leaving " confidential '' envelopes on the front door. This has been a half dozen times. We are inundated with mail that has " BANKRUPTCY '' and also mail previously from " XXXX XXXX '' debt collections. The VA has not been helpful in any way. Please help us and others going through this terrible scheme. We just lost our son. There are no documents uploaded as it " froze '' my computer, but we have all documentation to back up all our claims. In addition, our attorney also has documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Between XX/XX/XXXX- XX/XX/XXXX, I submitted and modification packet on a second mortgage with all the requirements and whomever was working the case would repeatedly ask for documents already submitted. I was initially trusting the process until I had to renew/reestablish my online account to understand why I wasnt getting movement on the case the situation continued back and forth until XXXX when they finally claimed to not be able to grant a modification. Unfortunately, I experienced the worst of mortgage companies during the Great Recession. I believe in many ways we are back to that because properties in XXXX XXXX have sky rocketed. In XXXX, I was just starting to climb out out the after effects of the Great Recession, when between XX/XX/XXXX - XX/XX/XXXX, I had tenant turnover and had to address a lot of deferred maintenance of the previous decade. Then, when I was getting over that - the COVID-19 Pandemic hit. Ive barely been able to keep up with primary, in fact I am behind and currently screening applicants.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
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 3 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 these 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
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: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have request for assistance with XXXX XXXX XXXXXXXX program. My application is completed. State has sent information to SLS on XX/XX/XXXX. On XX/XX/XXXX I was informed response was sent to XXXX XXXX XXXXXXXX program. On XX/XX/XXXX I called XXXX XXXX XXXXXXXX program they confirmed me once again information requesting was send on XX/XX/XXXX. I called and tried to spoke SLS they told me it will take end of XXXX to send response. XXXX XXXX XXXXXXXX program can complete my application without response form SLS. My request to speak to supervisor or agent from HAF department was denied because they dont speak to homeowner. Loan is ours and we can talk to them is problematic. Default notice was filed to sell the property on XX/XX/XXXX and we getting close to deadline. By the way I have left 2 messages on a single point of contact phone number no one has returned call. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline. By end of XX/XX/XXXX, it will be close to one and half month and this will get close to deadline.
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: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to XXXX, economy, illness and taking on care of XXXX of my grandchildren I fell behind with my mortgage payments. Over past 3 years have attempted numerous times to contact a live person at " SLS '' Specialized Loan Servicing, most often only reaching voicemail and more often than not mailbox was full & call disconnected. On the rare occasion I was able to leave a message no return call was received. During this time I was attempting to correct the situation. Fast forward to XX/XX/2022. In an attempt to bring the mortgage payments current ( at this time XXXX behind ) I was finally able to receive permission to cash out my retirement and cashiers check for {$15000.00} was issued XX/XX/2022 and mailed XX/XX/2022. I received a letter dated XX/XX/2022 from SLS returning the cashiers check uncashed & letter noting " We are unable to accept funds for less that total amount due ''. Following the cashiers check that was mailed I was working to send in the additional funds to meet the reinstatement amount provided from SLS in the monthly statement {$23000.00}. I have to admit, when the letter returning the cashiers check and note only accepting total amount I panicked. I began researching full financing. XXXX XX/XX/2022 I was finally able to locate someone willing to work with me and began the process. I contacted SLS for a payoff quote ( number 1 ) that was never received in email or regular mail. A release was signed with the title company so a new payoff quote could be requested in order to set up the financing and schedule closing. Payoff quote ( number 2 ) was received by title company XX/XX/2022 {$150000.00}. Called SLS XX/XX/2022 to confirm SLS will accept the payoff and asked where/how to send the funds for payoff was assured yes and to follow instructions on the payoff quote. spoke with title company and new payoff quote was requested to line up closing dates. The corporate fees in the payoff quote dated XX/XX/2022 were {$2100.00}, new payoff quote dated XX/XX/2022 the corporate fees jumped {$4600.00} for new total in less than a month to {$6800.00}. Title company asked me to reach out to SLS to attempt to get a breakdown or at least an explanation of why the fees jumped so munch in less than a month. I was shocked ( was able to reach a live person at SLS for the 2nd time ). Called SLS XX/XX/2022 XXXX spoke with XXXX XXXX requested the breakdown, will not provide dollar amount breakdown without written specific detailed request and must be physically mailed only to SLS will not accept a faxed request. The only information I was able to obtain was the following : Foreclosure/attorney fees, Escrow payout, Outstanding accrued fees. It sounded like the jump in fees was from the filing of the foreclosure. During this phone call no payoff quote as requested and financing was moving forward with this quote despite the jump in fees. At time of this call the payoff quote was good through XX/XX/2022 with the increased fees. It was later discovered sometime after the phone call with XXXX XX/XX/2022 XXXX an employee with SLS processed another payoff quote that was NOT requested by myself or the title company. On XX/XX/2022 XXXXand I called SLS and spoke with XXXX and transferred to XXXX and advised if the issues to day with payoff quote dates and who/when requested, advised of closing documents signed/notarized XX/XX/2022 with payment processed according to the payoff quote, notified SLS/XXXX the SLS has to honor the payoff quote, per XXXX unless the additional fees are included from the most recent payoff quote ( SLS employee requested not myself or title company ) the financing would be not be accepted, repeated the payoff quote myself/title company received was good to XX/XX/2022 and closing has been completed with the money transfer, per SLS/XXXX will not be accepted unless the additional fees from new quote are included, finally placed on hold & was transferred to XXXX and all repeated again and escalation case was opened and sent to the foreclosure department and I was instructed to call XXXX for updates/status, assured SLS I will be calling back XXXX eastern ( SLS is mountain time ) for answers as closing was signed XX/XX/2022. Called XXXX XX/XX/2022 XXXX EST spoke with XXXX requested status of the escalation at XXXX call disconnected, called back XXXX EST spoke with XXXX for update was advised not notes no update has been posted only email in process, advised would call again in morning. Called SLS XX/XX/2022 XXXX EST spoke with Renette had to go back over all of the same information from setting up the escalation and asked for update and had to repeat same information several times, noted the payoff quote I have is good to XX/XX/2022 and closing has already occurred for {$160000.00} per payoff quote, stated I need answers today as unable to stop the process for payment transfer, was transferred again to the foreclosure department escalation team, spoke with XXXX again and had to repeat everything again, still no update email still processing. Called SLS XX/XX/2022 XXXX EST spoke with XXXX requested to be transferred to the foreclosure department escalation team, spoke with XXXX again for status/update, email was processed today, will not honor the payoff quote that was good to XX/XX/2022 for {$160000.00} unless the additional fees from the new quote were included, I advised this was their employee error not my error and told them they need to honor this, it was repeated must follow their process and must go by most recent payoff quote, this repeated several times and I became frustrated instead of becoming update or nasty I advised would be calling again Monday XX/XX/2022 to speak with someone else. As of XXXX EST unable to reach anyone at SLS , calls go to voicemail box that is full. Summary : SLS refusing to honor payoff quote, SLS refusing to admit employee error. Note : With the financing I was able to obtain there will be absolutely no profit or payment to myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have been reviewing my credit for several months now and have noticed that XXXX has failed to report all of my mortgage payments on several of my mortgages. On a few of my loans with Specialized Loan Services they failed to report the following months on my loans ending in XXXX and XXXX. Loan number XXXX they failed to report XXXX XXXX XXXX and XXXX, XXXX thru XX/XX/XXXX, All of XXXX was not reported, XXXX, XXXX XX/XX/XXXX was not reported, XXXX thru XX/XX/XXXX was not reported and XXXX thru XXXX in XXXX was not reported. Loan ending in XXXX they failed to report XXXX and XX/XX/XXXX even though they updated my score on XXXX XXXX these score were not updated not were the payments for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC ( SLS LLC ) assumed our loan servicing function as of XX/XX/XXXX. Their letter to us stated several methods of payment which would be acceptable once they began servicing of our loan. We set-up Bill-Pay through XXXX XXXX Bank to be made beginning XX/XX/XXXX and thought we would continue paying without problem as we had for the previous 6 years with other loan servicing companies. We received a Mortgage statement from SLS LLC dated XX/XX/XXXX which showed a past-due amount from the previous month of XXXX and a XXXX payment due XX/XX/XXXX which totaled {$4500.00}. We checked our records with the previous servicing company to verify that the XXXX payment had been made and credited for that month which it had. We immediately called SLS LLC and informed the agent that the XXXX payment had been made and asked why they hadn't received that information when SLS LLC assumed our loan. We were transfered aroung until someone checked their records and said that they showed record of the XXXX payment and to disregard the Mortgage statement that showed the deliquency. During this time, our BillPay payment for XXXX was made through XXXX XXXX Bank and was returned the next day as undeliverable to SLS LLC. I checked all the mailing information contained on the XX/XX/XXXX letter from SLS LLC to verify I had input it correctly into the XXXX XXXX BillPay set-up. I attempted to pay the mortgage a second time after verification of the information and that payment was subsequently returned undeliverable again. We have since called SLS LLC multiple times, once on a conference call with a XXXX XXXX Banker, and each time employees of SLS LLC have tried to blame the problem on XXXX XXXX. During the conference call, the XXXX XXXX employee was able to verify that SLS LLC had refused to accept the payment and returned it to them. SLS LLC employees have tried to solve this problem multiple times to no avail and have returned to us 4 separate payment attempts from XXXX XXXX BillPay ( the XXXX payment was made by personal check sent through USPS ). We had a late fee taken off our account for the month of XXXX but were informed by SLS LLC employees that was a one time courtesy. To date we are still unable to use our BillPay option for payment and keep being told by SLS LLC employees to set-up automatic payment by giving them access to our banking information which we will not do. It's obvious that SLS LLC payment system is not functioning properly and yet they seem unable to iron our their problems while continuing to blame other entities. We didn't ask for our loan to be transfered to another servicing company and seem to have no control over this unacceptable level of behavior by them. Please help resolve this soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX I submitted Check # XXXX for {$1000.00} to pay the XX/XX/2022 mortgage payment, which was the month due on my account. This check cleared my credit union on XXXX. The company has not updated my mortgage payment to show that the payment due is now XXXX. It still says that XXXX is still due and the check I sent even states sept. XXXX payment on it and the payment coupon I sent with the payment was for XXXX. I did not complain last month because the mortgage company applied my payment correctly and there was no need to complain. In each of the companies responses to my complaints is that they accept the current month plus XXXX month and that is all I am, but they still do not apply my payment as a mortgage payment. I am current month ( XXXX ) plus XXXX month ( XXXX ) paid and next due is XX/XX/2022. Please apply my payment as a mortgage payment and update my acct to show next payment due is XX/XX/20XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77566
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have sent several letters to Specialized Loan Servicing , LLC asking for the Private Mortgage Insurance to be dropped and have gotten no responses back. I have fallowed the directions for XXXX XXXX loans based on improvements made to the home and appreciation. They apparently are choosing to ignore me even though I expect an appraisal to be done and for them to follow the next steps.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40422
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A