Date Received: 2022-07-27
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and remove from erroneous reporting in my file are listed on my credit report : XXXX LOAN 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: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I need a confirmation letter that the trust was closed. When I call I get no answer. here is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was the trust was terminated in 2007? This bank won't respond to my letters or calls and created a cloud in court
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Back in 2019 my mortgage was sold from XXXX XXXX to Specialized Loan Servicing My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. SLS was useless not good customer service, never answered or helped. In fact I had to send in document XXXX times but by then my home was sold and I received notice of it oh about 3 weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are seniors. I have lost so much. Its so bad. Thanks SLS for all of your help. They love to put old ppl out on streets. we were XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60406
Submitted Via: Web
Date Sent: 2022-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In reviewing my Credit report and score with XXXX i notices 35 unreported payment from XXXX to XXXX. If 35 % of my score is from reporting this has played a large part in my socres.
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: 2022-07-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This complaint is to be included with former complaint # XXXX. Please see all previously submitted information. This lender updated my profile to say all payments were paid as agreed on XXXX and then turned around and submitted another 60 days late on my XXXX credit file. They claimed to your company on XXXX they needed more time to investigate. My question is more time to do what? Destroy my credit rating with these bogus claims. All information across all bureaus needs to reflect that ALL payments have been made on time. No late payments have been made. I have all receipts for payments since the start of this nightmare with this lender. I have not included the actual bank statements due to the personal information contained in them. I will once again upload the complaint letter that includes all payments, the update that they just made on XXXX, and the alert that I just received from XXXX with XXXX XXXX bogus report sent to XXXX. Something has to be done about this. These bogus claims need to be taken care of ASAP. All the hard work no matter what's going on in the world ; that I have put forth to not have any late payments and protect my credit and then they continue to bounce from agency to agency destroying my credit is just not ethical!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48152
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a prior HELOC loan that was converted to a subordinate lien against my home by XXXX XXXX Bank in XXXX. I had filed for bankruptcy and mortgage protection for my primary mortgage but it was not accepted or recognized for my HELOC. They called in the loan and refused to take payments unless it was paid in full. In XX/XX/XXXX thry sold my subordinate XXXX to a loan servicer who also would only take payments in full. I have tried a short payoff and modification but thry were rejected. The balloon payments have {$27000.00} in interest attached to the original {$3000.00} loan balance. I have attempted to mail payments to show a payment history but the payments are returned and the servicer won't show any records of my attempted payments. The company is called Specialized Loan Servicing out of Colorado. I don't qualify for a refinance because of the delinquent status and I don't qualify for a large enough personal loan to pay this {$57000.00} bill in full.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage is in a Forbearance plan that is scheduled to end on XX/XX/2022. My understanding is that when there is a forbearance plan in place, the account is not considered delinquent nor is it reported to the credit agencies. I received a letter from my lender, Specialized Loan Servicing, stating that my account is delinquent. I sent them a Notice of Error letter but their response didnt address my concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11746
Submitted Via: Web
Date Sent: 2022-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: RE : Specialized Loan Servicing Unfair practices I have a mortgage with SLS nearing the end of contract. The remaining principal balance is under {$850.00} with an escrow account balance just below {$800.00}. SLS sent an electronic statement requesting {$1400.00} due on XX/XX/2022. A payment for {$1500.00} was sent and documented by SLS as received as of XX/XX/2022. As of XX/XX/2022 this payment has not been applied to my account. Additionally, now a late fee has been added and my account is now labeled as delinquent for a payment they refuse to apply. When SLS was questioned to this matter they stated that I needed to get a payoff quote and send the money by certified funds or a wire transfer. The balance they are requesting according to the letter is XXXX. This is ridiculous since they have {$1500.00} right now that they are stating they are going to sent back to me. I will be going to the bank and sending them what they request the way the letter says. ( including the late fee and additional interest now accrued ). I just think this is ridiculous as I was just paying my mortgage as requested and now am being treated as though I am some sort of deadbeat. I wish to carry this complaint as far as I can. I can only imagine how difficult it must be for those struggling to pay their mortgage dealing with SLS every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was approved for a trial modification. I payed XXXX payments and it made it permanent. I sent my forth payment and it was sent back to me.I was promised loan modification documents after the trial XXXX days and now its been 60 days..I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Specialized Loan Servicing sent a letter XX/XX/XXXX stating I owed a debt by XX/XX/XXXX or commencement of foreclosure on my home. On XX/XX/XXXX I sent a validation of debt certified mail to Specialized Loan Servicing and it was received XX/XX/XXXX. As of XX/XX/XXXX I havent received a response from Specialized Loan Servicing pertaining to the debt in dispute. It has now been 59 days since receipt of my demands. According to the FDCPA the debt collector must provide verification of the debt. I have never received a statement from this company and never done business with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A