Date Received: 2022-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a 2nd mortgage with a {$31000.00} balloon payment that was due last XXXX. I was unable to secure financing because my XXXX mortgage was in forbearance. My lender SLS didnt offer me any options to additional financing or paying till I find financing. I continued to make the payments until XXXX when SLS refused to accept payments and terminated my automatic payment withdrawal from my checking account. A month later I started getting collection notices and calls, also someone there referred me to a HUD program that Ive had trouble fitting my situation into. Concurrently I was able to end the forbearance with the XXXX mortgage in XXXX with a new agreement with XXXX XXXX. While I was clearing forbearance from my credit report SLS started reporting the delinquent payments. Now here I am my credit score has dropped XXXX points and no one will lend me the money I need nor will they refinance my mortgage. Ive tried to use the Hud assistance I was referred to by the lender. I get collection and foreclosure notices on one call then I call and get referred to an agency and more forms. Im bombarded with calls with lenders who cant loan me money. I have the means to pay my mortgage like Ive done for the last XXXX years. SLS has destroyed my credit can they now somehow take my property? Im caught in the middle with nowhere to go. If they would clear the late payments from my credit report I can get a new loan ( since Im no longer in forbearance ) or they could accept my payments and it would be paid off in time. Why are they doing this to me? Can anybody help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60637
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The complaint is inregard to the manner of the bankruptcy and the accounting which was within the obligation under federal bankruptcy law to comply with the requirement of the mandatory discharge injunction. Thus there is a violation within the federal bankruptcy law and your compliance with the mandatory discharge injunction. Further the discharge is not NOTED by your officially and date as of XX/XX/XXXX but the Bankruptcy Discharge Date within the Court and Ordered by the Judge is indicated within the court and was sent to your company as XX/XX/XXXX. Thus you are requested to ensure that the date you have as discharge is proper and also that the discharge amount is proper as to the manner of the accounting which you still claim to be owed although the debtor is not liable for the debt but the lien as stated within the response. So please let me know EXACTLY when the DISCHARGE DATE AND THE PROPER ACCOUNTING OF THE FEES AND ALL THAT YOU WERE REQUESTED TO BE DISCHARGED BY THE COURT AS WE HAE THE DOCUMENTS BUT YOU DID NOT PROVIDE WITHIN YOUR ACCOUNT THE EXACT AMOUNT OF THE DISCHARGE WHICH YOU WERE TO RELEASE AND THUS THE LIEN ONLY WOULD BE WITHIN THE AMOUNT. SO PLEASE SEND THE INFORMATION AS TO A QUALIFIED WRITTEN REQUEST WITHIN THE FIVE DAY PERIOD AS THE LOAN IS WITHIN THE COMPLAINT AND THE ADDRESS OF THE PROPERTY AS WELL IS WITHIN THE COMPLAINT SO I CAN THEN BE ABLE TO COMPLETE THE QUALIFIED WRITTEN REQUEST WITH THE PROPER KNOWING OF THE EXACT AMOUNT OWED FOR THE LOAN NOW AND AFTER THE EXACT DATE OF THE DISCHARGE WHICH WAS NOT IN XX/XX/XXXX BUT XX/XX/XXXX AS THE ORDER WOULD BE WITHIN YOUR FILES AND THE DISCHARGE AS TO THE AMOUNT AS WELL AS PER YOUR CLAIM FILED IN THE BANKRUPTCY COURT FOR PROPER ACCOUNTING. PLEASE ENSURE THAT THE PROPER MANNER OF ACCOUNT FOR THE AMOUNT AND AFTER THE BANKRUPTCY DISCHARGE IN XX/XX/XXXX AND NOT XX/XX/XXXX IS WITHIN THE MANNER OF PROPER AND THUS TO ENSURE THE XX/XX/XXXX PAYMENTS THAT YOU HAVE STATED THE ACCOUNT IS BASED ON FOR CONTRACTUAL MONTHLY PAYMENT IS ACCURATE UNDER THE FEDERAL BANKRUPTCY RULES AND DISCHARGE OF DEBTS AS TO THE LIEN ONLY REMAINING. FURTHER YOU NOTED THAT THE " mortgage loan account was transferred to SLS on XX/XX/XXXX '' THUS THE DISCHARGE WAS WITHIN THE XX/XX/XXXX SO PLEASE ENSURE THAT ALL THE DEBTS WITHIN THE PRIOR MORTGAGE SERVICER WAS XXXX TO THE AMOUNT WITHIN YOUR FILES AS THERE ARE DEFINITE DISCREPANCIES AS OF THE DATES OF DISCHARGE AND THE AMOUNT THAT AFTER A REVIEW IS APPEARING TO BE COMPLETELY INACCURATE AS TO OUR OWN RECORDS AND YOUR CLAIM FILED IN THE BANKRUPTCY COURT. YOUR OFFER OF THE SUBSTANTIATION OF THE XXXX DEBT AS WAS REQUESTED IS NOW BEING QUESTIONABLE AS TO THE ABOVE THUSI WOULD APPRECIATE XXXX ENSURING THAT THE DATE AND THE ORDER AND THE AMOUNT XXXX AS PER THE COURT BE PROVIDED IMMEDIATELY AND THE NEW ACCOUNTING IS SENT AS WELL AS WAS SUGGESTED TO ENLIST A BANKRUPTCY ATTORNEY FOR THE DISCHARGE AMOUNT IT WOULD BE BEST TO ENSURE THAT YOUR ACCOUNTING IS IN PROPER AND NOT IN A VIOLATION OF THE LAW AS IT APPEAR TO BE WITHIN THE ORDER ON XX/XX/XXXX. AS YOU STATED WITHIN THE LETTER THAT " Only your personal liability was XXXX '' AND IT FURTHER STATED AS A DATE " XX/XX/XXXX ; however the XXXX against the property remains. '' THUS THE PERSONAL LIABILITY WHICH WAS XXXX AND THUS THE XXXX AMOUNT AGAINST THE PROPERTY AS OF THIS DATE WITH THE DISCHARGE DATE OF XX/XX/XXXX AND NOT XX/XX/XXXX. THUS A COMPLETE RESTRUCTURING OF THE ACCOUNT FOR THE DEBT RELIEF AND ALL THE FORCED PLACE INSURANCE AS TAKEN OUR WITHIN MY KNOWLEDGE TO BE REVERSE IMMEDIATELY AND ANY OTHER FEES CHARGED BASED ON YOUR SPREAD SHEET AND IN VIOLATION OF THE BANKRUPTCY ORDER AND THUS THE MANNER OF THE ACCOUNTING WHICH WAS NOT WITHIN THE TIME OF THE ORDER AND THUS BEYOND IN A MANNER OF A VIOLATION OF THE BANKRUPTCY RULES AND LAWS UNDER THE MANDATORY AND STRICT LAW TO BE ADHERED TO WHEN A DEBT IS XXXX WITH THE DEBTOR IT IS WITHIN THE ORDER AND NOT AT THE TIME SLS DECIDES TO RELEASE THE PERSONAL/DEBT AND THE XXXX ONLY IS LEFT TO BE PAID BUT YOU STILL DID NOT STATE THE PROPERTY XXXX AMOUNT XXXX TO SEND A NOTE ( XXXX ) AND DID NOT PROVIDE THE RELIEF THE DEBTOR WAS GRANTED WITHIN YOUR FILES AND THUS BOTH IS NEEDED AND THE REMOVAL OF THE FORCE PLACE INSURANCE AS TO THE DATE OF THE DISCHARGE AS WELL AS THE YEAR THAT IT TOOK TO ENSURE THE LIABILITY IS REMOVED AND THE XXXX AMOUNT CAN THEN BE PAID WITHIN THE PROPER ACCOUNT OF THE DEBTOR OR TO BE MODIFIED AS TO THE PROPER MANNER AND EXACT AMOUNT AT THE TIME OF THE RESTRUCTURING/RECOUNTING OF THE ENTIRE ACCOUNT AND AS OF THE RELEASE OF THE DEBT TO THIS DATE WHEN YOU PROVIDE YOUR RESPONSE THE XXXX AND THE DEBT XXXX WELL AS THE TIME OF THE RELEASE AND THE AMOUNT IS TO BE IN COMPLETE AND FINAL FORM AS TO THE LACK OF FURTHER VIOLATION WITH THE LAW OF THE BANKRUPTCY AS A FEDERAL VIOLATION WITHIN THE COURT IS CAUSE FOR A SUBSTANTIAL AMOUNT OF FEES. THUS YOUR RESPONSE WITHIN THE TIME ALLOWED AS WELL AS THE PROPER MANNER OF ACCOUNT FOR THE COMPLAINANT IS IMPERATIVE AND MUST BE CONDUCIVE TO THE ACCOUNT OF THE PROPERTY OWNER OF THE ADDRESS KNOWN AT XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07305
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Applied for Loan modification on XX/XX/2021. Never received any other written communication regarding the loan modification. Sometime around XX/XX/XXXX. I noticed that my account was showing that a loan modification had approved. I waited a few days and after I did not receive the modification papers in the mail, I sent a message via SLSs online messaging portal on XX/XX/XXXX. I requested information about the loan modification and I requested tracking information on the modification packet. I received no response. I sent a 2nd request on the same message portal on XX/XX/XXXX. I didnt not receive a response back until XX/XX/XXXX, when I was notified that the deadline to return the packet that I never received was that day. This is a direct violation of 1024.41 Loss mitigation procedures which requires borrowers to be notified in writing. I sent a Notice of Error/Qualified Written Request. Which has not been answered. The violation has not been remedied.
Company Response:
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage with Specialized Loan Servicing ( SLS ), Loan number XXXX Due to Covid-19 I was granted forbearance on XX/XX/XXXX, which I came out of in the Fall of XXXX. As suggested by SLS, on XX/XX/XXXX I requested a loan modification, which included all the required documentation. On XX/XX/XXXX my request was rejected and I requested a second review. However, since XX/XX/XXXX I have been making monthly principal, interest and escrow payments that have been accepted. On XX/XX/XXXX I received a notice of pending foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I filed for XXXX XXXX in 2019. We have the same mortgage ( SLS Loan Servicing company. ) since the bankruptcy started. We have been paying it electronically thru our banking bill pay since the bankruptcy started with my husbands pension. XX/XX/XXXX I paid the mortgage as usual and on the XXXX it was deposited back into my checking account. When I called I was told they will no longer accept my electronic check and that it would need to be a mailed check or thru XXXX XXXX XXXX ( which is expensive ) or I can call and pay the mortgage and pay a {$12.00} ( which is being waived now because of covid but they said but they will start charging it again soon ) they said I can not do the automated pay by phone because its electronic, yet she would ( the customer rep I was speaking with ) take my payment thru debit ( is that not electronic? ) This makes no sense at all to me. They said they will charge me back interest once my bankruptcy is over if I mail a live check and they don't get it in time. They have been accepting my electronic check for the last 2.5 years with not one issue. I don't understand how they can do this ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: As of XXXX, XXXX XXXX, XXXX XXXX sold my mortgage loan to Specialized Loan Services ( XXXX ). I have been and currently is occupying the residents, in my XX/XX/XXXX loan statement, specialized Loan services decided to charge me a Property Preserve Abandon fee of {$300.00} XX/XX/XXXX and a late fee of {$75.00}. I have made several attempts to resolve this issue with Specialized Loan Services. SLS/XXXX I received a letter on XX/XX/XXXX from XXXX XXXX manager stating they contract XXXX to inform them of vacant property, the charges were not initiated by XXXX XXXX or XXXX. Specialized loan services contacted XXXX separately to register my residence as abandoned/ vacant and charge incorrect collection fees and force foreclosure. XXXX has never sent a notice stating the residence was vacant. per XXXX email from a list of my questions. a notification would only come from XXXX or the XXXX. SLS continues to make false statements that XXXX XXXX wants the property to be registered upon any delinquency.Which is not true. SLS has refused to show proof and to resove this isssue with my loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I feel extremely threatened by Specialized Loan Servicing ; a foreign ( out of state ) corporation. Specialized Loan Servicing has exhibited signs of abusive debt collection practices that have caused me stress, anxiety, and duress. Specialized Loan Servicing purchased a note/contract that lacked full disclosure and was created with the elements of the inducement of fraud, misrepresentation, deceptive agreement, and concealment of material facts that established a Breach of contract. This company has refused to send me all the requested documentation that I have requested. However, they are claiming rights over the property and are threatening to foreclosure. Pursuant to 12 USC 2605 ( i ) ( 3 ), a servicer is not the presumed owner to foreclose. Servicing rights are not ownership rights. 15 U.S. Code 1641 ( f ) ( 1 ) & ( 2 ) - Liability of assignees Elements of fraud in the original contract : A Contract requires two or more real parties who, at the time of its execution or adoption, are covenanted to be bound by it as evidenced by the signature ( XXXX ) of both parties. XXXX XXXX XXXXXXXX, XXXX was not a party to the mortgage under the laws of contract. No agent/principal for the bank has signed the mortgage contract. Could the reason for the missing signature be that XXXX XXXX XXXXXXXX, XXXX did not tender any consideration in the transaction? If the mortgage were a contract, then the mortgage merchant would have had to tender consideration. XXXX XXXXXXXX XXXX, XXXX did not tender consideration. XXXX XXXX XXXX, XXXX used my signature as cash value and monetized the promissory note without my knowledge or consent. Adding insult to injury, XXXX XXXX XXXX, XXXX proceeded to reissue that deposit to me in the form of a loan with added interest and fees. Hence, I funded my own loan ; this misrepresentation constitutes failure to disclose. I was deceived and not informed about this conversionary tactic. To facilitate the purchase of my property, I utilized my proper name and social security number in order. Pursuant to 18 USC 8 ; The social security number belongs to the Social Security Administration and anything purchased with that identifier number is an obligation of the United States. My proper name was used on the application and XXXX XXXX XXXXXXXX, XXXX deceptively created fictitious entities in the likeness of my proper name. How can I be held legally or financially responsible for these fictitious entities? The closing attorney did not disclose these facts. I declare that I am the natural person, the consumer in fact, and the original creditor pursuant to 15 U.S.C. 1692c ( 2 ). Federal law states that banks only have the power to borrow. Pursuant to 12 USC 83, No national bank shall make any loan or discount on security of the share of its own capital stock. I did not intend for my money to go and expand the banks reserves ( via fractionalization ) whilst I am liable to be put out on the street by this action. Where in the contract was that disclosed? XXXX requires that the bank match the new bank liability with my name on it showing that the bank owes me for the deposit that the bank accepted from me. It also requires that I be issued a receipt for the deposited funds, which I never received. Specialized Loan Servicing refuses to send double bookkeeping entries for the original lender, XXXX XXXX XXXX, balance sheets XXXX XXXX, XXXX, XXXX, XXXX in accordance with XXXX Standards Codification XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( securitization accounting ), XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX call schedules, XXXX. Pursuant to 26 USC 108 ( i ) ( 4 ) ( B ) when securitization occurs, there is a cancellation of debt. The Truth in Lending Act states that I should have been given full disclosure. Full disclosure was not given thus the so-called contract is void ab initio . XXXX XXXX XXXX, XXXX gave neither me nor the co-buyer the proper notice of our Right to Recission. We were not informed of this right until we discovered it on our own. Specialized Loan Servicing tells us that we do not have RIGHTS. 12 CFR 226.23 - Right of rescission. ( h ) Special rules for foreclosures - ( 1 ) Right to rescind After the initiation of foreclosure on the consumer 's principal dwelling that secures the credit obligation, the consumer shall have the right to rescind the transaction if : ( i ) A mortgage broker fee that should have been included in the finance charge was not included ; or ( ii ) The creditor did not provide the properly completed appropriate model form in appendix H of this part, or substantially similar notice of rescission. XXXX XXXX XXXX, XXXX XXXX issued a proper notice of our right to rescind our signatures. Due to constructive fraud and misrepresentation, we are rescinding our signatures from the security deed. We will retain our private property. THERE IS NO VALID CONTRACT BETWEEN the parties that are listed on the promissory note and Specialized Loan Servicing Representatives from Specialized Loan Servicing have harassed me by : Calling my telephone repetitively without my consent nor the consent of a court order. Calling my family members. Hiring strange people to come to my home in order to take pictures of my family and property. Contracting with an attorney group XXXX XXXX XXXX XXXX who has mailed threatening communications via the. This group attempted to intimidate and coerce me to sign a contract with Specialized Loan Servicing. Mailing threatening communications ( threats of foreclosure and asserting ownership rights over my personal property ) Forwarding mail via the United States Postal Service with a fictitious name ( in my likeness ) and address. Making multiple attempts to fraudulently extort payments from me via the United States Postal Service. Refusing to address me using my proper name but requiring to pay a debt for a fictitious entity Mailing a notice stating that I do not have a right to rescind my signature although I am within the 3-year time frame and I was never given proper notice of my right to rescind from XXXX XXXX XXXXXXXX XXXX XXXX. Relevant Court Case : XXXX, XXXX XXXX XXXX, XXXX XXXX at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. A volunteer, stranger, or intermeddler is " one who thrusts himself into a situation on his own initiative, and not one who becomes a party to a transaction upon the urgent petition of a person who is vitally interested, and whose rights would be sacrificed did he not respond to the importunate appeal. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Was behind on mortgage before given a forbearance when I came out was required to pay the entire amount. I had funds to bring account current less the amount that added up during the forbearance but wasnt allowed to make payments. They wanted all or nothing. Tried for a modification but the results would have increase my payments They dont modifly with the results being higher payments. House is in foreclosure. They insist all or nothing.Other who came out of forclosure are being given repayment plans and remods.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: REQUEST FOR REFUND ( 10 Month billing statement received on XX/XX/XXXX on my request ) 1. Statement date XX/XX/XXXX total due was {$32000.00} had escrow balance of {$13000.00} but has no records form this. 2. Statement date XX/XX/XXXX total due is {$47000.00} 3. Default notice field with county is {$56000.00} 4. Additional {$14000.00} from XXXX to XX/XX/XXXX monthly payment of {$1000.00} for 4 months {$4100.00} not {$14000.00} over charging {$10000.00} 5. Default filed with county is {$56000.00} less XX/XX/XXXX total balance is {$32000.00}. XXXX is {$23000.00} plus {$5000.00} estimated public nuisance equals to {$28.00}, XXXX 6. TOTAL AMOUNT OF REFUND IS {$28000.00} PLUS INTEREST IN 15 DAYS IS NEEDED. On XX/XX/XXXX I filed written dispute with SLS and as of XX/XX/XXXX they have not send response therefore they have no records to validate the debt of {$56000.00}. On XX/XX/XXXX I filed dispute with XXXX XXXX XXXX and as of XX/XX/XXXX there is no response to my dispute because they have no records. DISPUTE IS REAL AND LEGITIMATE DISPUTE BAD FAITH DEFAULT ITS TOTALLY BAD FAITH DEFAULT NOTICE FILED WITH COUNTY RECORDS OFFICE WITHOUT RESPONDING TO DISPUTE, WITHOUT RESOLVING DISPUTE AND HAVING NO RECORDS TO FILED NOTICE TO FORECLOSURE THE PROPERTY. Both entities are violation of FDCPA 12 CFR 1026.13 ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and " ITS CLOSE TO 11 MONTHS NO RECORDS TO DISPUTE FILED WITH SLS AND CLOSE TO 4 MONTHS XXXX DEFAULT SERVICE DISPUTE WAS FILED ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. " ITS CLOSE TO 11 MONTHS NO RECORDS OF DISPUTE FILED WITH SLS AND CLOSE TO 4 MONTHS XXXX DEFAULT SERVICE DISPUTE WAS FILED AND NO RESPONSE FROM BOTH ENTITIES AND BOTH VIOLATED ABOVE FDCPA LAWS ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date. " WITHOUT RESPONSE TO DISPUTE AND HAVING NO RECORDS BOTH ENTITIES ARE IN VIOLATION OF ABOVE FDCPA LAWS BY FILING DEFAULT NOTICE WITH COUNTY RECORDERS OFFICE FOR THE FULL AMOUNT OF {$56000.00} THAT I HAVE LEGAL RIGHT TO WITHHOLD DISPUTED AMOUNT '' ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. " FILING DEFAULT NOTICE TO FORECLOSURE THE PROPERTY WITHOUT VALIDATING THE DEBT AND RESOLVING DISPUTE BOTH ENTITY IS IN VIOLATION OF ABOVE FDCPA LAWS THEY HAVE NO RECORDS, NOT SENDING RESPONSE TO DISPUTE AND NOT SENDING BILLING STATEMENT EVERY MONTH
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: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I had a personal load from XXXX that was paid on time twice a month automatically taken out of my checking account.I received notice that they were closing there offices and my loan was going to be handled from another company which says to me that this debt was going to be bought from another company. All of the sudden this company shoes up in XXXX 0r 1XXXX can't remember the year but, my credit report stated that I had a loan totaling XXXXXXXX XXXX.But, in the last few years the info has been changed and updated. I have disputed this company twice and all of the sudden this is a Mortage loan in the amount of XXXX. The credit bureau ( XXXX ) has allowed them to update the info but info is missing and incomplete. I called XXXX on XX/XX/XXXX and the rep told me that my first dispute was not done correctly because information was not answered and left blank.I also wrote XXXX a XXXX credit letter 30 days before I called them stating that they need to provide to me all loan documentation that I signed my name to agreeing to this loan and that if I don't receive this info that this info must be removed. That information was not provided to me in 30 days and the information is still on my credit report.Let me say that I filed disputes with XXXX and XXXX XXXX and they removed this SPECIALIZED LOAN SERVICI info from my credit report and all the inaccurate info in 30 days.This tells me that there is something not right! I have never had a Mortage loan in my life! The info sates that the loan Status Transferred, closed. So, if I owed you money and I did not pay then how is the loan transferred and closed and they are no loner reporting late payments.This Mortage fraudulent activity and needs to be investigated. I listted the account info from my credit report below. I applied for a Mortage loan and was turned down because of this information on my credit report reports as a inacurate Mortage. Now how do I get that time back to shop for a loan and not have my credit report ding me for hard inquires.Some one needs to pay! Can I sue? Account name SPECIALIZED LOAN SERVICI Account number XXXX Account type Mortgage Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Transferred, closed. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$18000.00} Highest balance {$0.00} Terms NA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A