Date Received: 2022-06-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a follow-up about my original complaint # XXXX. Please see the new attached mortgage statement from SLS. This is worst than a fraud. This is very concerning to us because we just received a bogus outstanding principal balance statement from Specialized loan servicing and XXXX XXXX. To that point, we really don't know who hold the title of our mortgage. On XX/XX/2022, we were required to pay a lumpsum of {$42000.00} by SLS and we were told to wire the money to XXXX XXXX. We did wire that money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-23
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Complaint against XXXX XXXX XXXX Trustee for XXXX XXXX and XXXX XXXX and demand for disclosures Dear CFPB, Please find my complaint against XXXXXXXX XXXX as Trustee for XXXX XXXX and XXXX XXXX, Master Servicer for this Trust and demand for disclosures I am a victim of fraudulent foreclosure-for-profit case XXXX, XXXX XXXX XXXX. XXXX XXXX, filed with XXXX XXXX XXXX XXXX on XX/XX/XXXX by XXXX XXXX who hired attorneys who claimed to Judges that they represent XXXX XXXX On XX/XX/XXXX XXXX XXXX entered into a Trust Agreement for XXXX XXXX with XXXX XXXX XXXX XXXX as Depositor allegedly of my mortgage with XXXX XXXX XXXX which I signed on XX/XX/XXXX. On XX/XX/XXXX XXXXXXXX XXXX as Trustee accepted an assignment of my alleged mortgage from XXXX who was acting as nominee for XXXX ( defunct since XXXX ). During all time in question, XXXX acted as a Plaintiff in case XXXX acting as Trustee for XXXX XXXX On XX/XX/XXXX XXXX Bank accepted a Deed to my property from XXXX XXXX XXXX On XX/XX/XXXX XXXX XXXX, who hired Realtor XXXX XXXX, sold my property XXXX received {$130000.00} consideration and issued a Special Warrantee Deed to XXXX He who is currently in possession of this property. Bear to repeat, it was done by XXXX as Trustee for XXXX XXXX XXXX where XXXX XXXX is a Master Servicer and Depositor of alleged loans which XXXX XXXX purportedly purchased from XXXX Investment and Loan. I demand XXXX XXXX, as Trustee and XXXX XXXX, as Master Servicer and Depositor, to provide me a copy of receipt of {$130000.00} consideration received by XXXX XXXX from XXXX He on XX/XX/XXXX ; and deposited on the loan account receivable for my property ; and a copy of the accounting ledger where this deposit was made along with proof of distribution of these money to investors, along with a release of this alleged lien after payment was received by XXXX XXXX I demand XXXX XXXX and XXXX XXXX to confirm ownership of my alleged loan along with evidence of value paid for this alleged loan to XXXX and its authority to act as a Plaintiff in case XXXX. As I recently learned, I never had any " mortgage loans '' with XXXX who was not a lender I am a victim of the biggest economic crime in human history operated by XXXX XXXX XXXX banks- here XXXX XXXX - who acted via sham XXXX luring me into executing documents that failed to comply with law, failed to disclose the real terms of the deal, and failed to adequately compensate and protect me for my involuntary participation in an illegal unregulated securities scheme. Nobody loaned me a cent, I merely received information about money dressed as a " loan '' which I was deceived to repay. XXXX XXXX claimed to be a Trustee for the Trust created by XXXX XXXX where they purportedly " pooled '' " purchased '' from XXXX " mortgages '' and allegedly claimed my default on non-existing loan account to steal my property as additional revenue on top of enormous profits received by XXXX XXXX who initiated this scheme with one of prior owners. XXXX XXXX is resposible for all Trust Affairs and owes me duties to provide financial disclosures and copies of receipts of all money they received on my behalf and proof of distribution to investors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS XXXX mistakenly sent my XXXX XXXX XXXX XXXX real estate tax payment to the wrong place. Following about 20 telephone calls over the course of three or four months it now appears that they have paid XXXX XXXX effective XX/XX/2022. However, they have sent me a letter stating that I was delinquent and that therefore they insist on reinstating an escrow account to my mortgage loan.SLS has no authority to unilaterally add an escrow account to my loan since it was they who were mistaken and not I who was delinquent. I have asked that they provide me with proof of payment to the county, verify that I am not in arrears with any taxing jurisdiction, and that they will remove the escrow account from my loan. They have been very difficult to communicate with and refused to honor my request and communicate with me. Please note that for the first year of my mortgage loan XXXXI had an escrow account. However, I deleted the escrow account based upon their poor performance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2022-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I had a second mortgage with XXXX XXXXXXXX XXXX on property in XXXX, XXXX XXXX I filed for bankruptcy XXXX years ago Had an agreement with XXXX XXXX XXXX to pay {$100.00} towards the loan until completion. I have paid {$100.00} a month according to agreement for almost the last XXXX years. I paid XXXX XXXX XXXX XXXX months for XXXX {$1600.00} ( Attached ) XXXX XXXX XXXX sold to XXXX XXXX I paid XXXX XXXX for XXXX months XXXX {$2500.00} ( Attached XXXX XXXX XXXX sold to Specialized Loan Servicing. ( SLS ) I paid SLS XXXX XXXX {$3100.00} ( Attached ) SLS acting as Loan sharks, by start of COVID-19 demanded more money, started extortion by harassing, terrorizing elderly ( I am close to XXXX XXXX XXXX ). with threats of " XXXX '', foreclosure, short-sale ...., .. creating such a stress that I developed XXXX XXXX and was XXXX I was forced to offer a settlement agreement of {$10000.00} ( borrowing from HUD and others ), the loan shark SLS counter offered {$11000.00} that I paid ( Attached ) The second mortgage is closed, mute. But the XXXX SLS is after XXXX again that is equal to a XXXX XXXXXXXX I hope that the XXXX organization be stopped before endanger our lives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We file this complaint today to seek consumer assistance due to overcharged amount and excessive fees by Specialized Loan Servicing ( SLS ) against our home mortgage. I am the co-borrower and my husband is the primary borrower. In XX/XX/XXXX, we were approved under HAMP for a permanent loan modification with the Pre-modification monthly trial was {$1500.00}. Upon completing successfully these 3 months free trial, SLS offered us a mortgage relief option to pay {$980.00} a month. We called SLS via XXXX and spoke with XXXX teller ID XXXX on XX/XX/XXXX and accepted this offer. As agreed, we authorized SLS under XXXX XXXX XXXX Loan # XXXX XXXXand now XXXX to start automatically withdrawing {$980.00} each month from our bank checking account through XXXX XXXX XXXX XXXX XXXX. End of XXXX, we put our house was in short sales because it has been falling into serious disrepair, plumbing problems, wet basement leaking furnace, rotten out windows and needed full kitchen repair and roof replacements. In or about XX/XX/XXXX, XXXX XXXX XXXX sent its own appraiser to check the value of our house. According to their underwriter quantitative analysis appraisal report ( please see attached appraisal report ), they estimated it to be roughly {$120000.00}. We believe that SLS presented us that mortgage relief option {$980.00} a month, this is because of that costly repair. We decided to go for short sales because of our terrible experiences through countrywide predatory lending in XXXX, later on XXXX XXXX XXXX and account # XXXX. In or about XX/XX/XXXX, a potential buyer made an offer for $ XXXX. According to XXXX XXXX XXXXXXXX XXXXppraisal report, likely they were going to accept that offer. Not being able to find a new place to move in, so we decided to back-up and cancel that short sale to remain into our home. As the COVID-19 pandemic hit, SLS mailed us a notice and requested us to apply for forbearance. This program was set-up to help struggling homeowners to stay in their home. About XX/XX/XXXX, SLS stopped debiting the monthly payment ( {$980.00} ) from our checking account for no reason. At no times did we ever express or sign any forbearance paperwork and ask SLS to stop payments. Due to SLS unfair business practices to discontinue those automatic withdrawals, we fell behind in our mortgage payments. SLS mislead us for breaking the agreement. As the forbearance is over, we contacted SLS numerous times via XXXX and spoke with XXXX XXXX ID XXXX to ask them to resume payments but instead they and their attorney XXXX & XXXX chose foreclosure and another loan modification package in the mail. We said no. Again, we contacted SLS and spoke with XXXX ( teller Id # XXXX ) to debit that {$980.00} monthly but they still refused. Beginning XX/XX/XXXX ; we called again SLS and spoke a few times with our assigned agent XXXX ( teller ID XXXX ) to ask for a reinstatement to bring our loan status current. Our assigned agent XXXX told us that our total due amount was {$38000.00} as of XX/XX/XXXX. ( Please see attached statements and previous checking account withdrawals ) The main reason why we are complaining here is to dispute that bad payment that was due to bring our loan current. Based on that mortgage relief option being approved, our formal agreement with SLS has been {$980.00} each month whereas SLS calculated those missing monthly payments as {$1500.00} and added a lot of illegal fees to that account. We felt being overcharged at least {$15000.00} by SLS. SLS committed unfair and deceptive business practices to force us paying {$42000.00} on XX/XX/XXXX as the reinstatement balance was supposed to be much lower than that. On XX/XX/XXXX, the assigned agent XXXX XXXX id XXXX said that we must pay that {$42000.00} or XXXX is going to foreclose on us. To resolve the problem, we would appreciate for the banking commissions to review those files and make SLS to comply and refund us that disputed amount of {$15000.00}. Also, we want SLS to confirm the principal outstanding balance. I look forward for a formal investigation and hearing from you soon. Respectfully, Thanks Please contact us at XXXX XXXX
Company Response:
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2022-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX, XXXX XXXX XXXX released {$4200.00} to XXXX XXXX for homeowners insurance fee. I did not authorize or consent for that transaction. After several hours on the phone with both businesses, I was able to get XXXX to refund me the {$4200.00}. It took about 30 days to get the refund check. I submitted a {$4200.00} payment ( for escrow account reimbursement ) on XXXX XX/XX/XXXX and have the customer account activity statement to prove the payment amount and date. XXXX shows no placement of the funds in escrow. But took it in as a principal payment. Servicing changed hands as of XX/XX/XXXX to Specialized Loan Servicing. SLS claims I have an outstanding XX/XX/XXXX payment and therefore am delinquent. I have had at least 4 phone calls in late XXXX as the transition occurred and through XXXX with XXXX being assured it will all be handled once the full transition occurs. There has no been no resolution. Today XX/XX/XXXX, I just spent 20 minutes on hold for SLS to tell me they have had NO ACTION on the payment research request I initiated in XXXX because, " It was routed incorrectly '' I have made a XXXX and XXXX payment on time and in full amount but SLS keeps telling me I am delinquent. I don't mind if the XX/XX/XXXX payment was directed to the wrong place. But SLS shows me as making no payment in XXXX AND my escrow account is short {$4200.00}. I can and am willing to make either the XXXX payment or an additional payment to rebolster my escrow account, but I cant do both. I am unwilling to do either until SLS can tell me where my XX/XX/XXXX payment of {$4200.00} was directed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91915
Submitted Via: Web
Date Sent: 2022-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: A second mortgage was taken out with XXXX XXXX in XXXX for XXXX. In XXXX it was sold to Specialized Loan Servicing. I made all required payments. In XXXX I filed XXXX XXXX. XXXX XXXX XXXX XXXX of the XXXX Bankruptcy XXXX did enter an Order on XX/XX/XXXX stripping the second mortgage XXXX on the property effective with the entry of an Order discharging me in this bankruptcy case. Furthermore, the XXXX entered an XXXX discharging me from the case on XX/XX/XXXX. After said discharge this company continue to send me monthly bills, when I tried to contact them no one would help or entertain my calls. Recently, I am getting alot of mail and people representing the lender leaving notes on my property regarding an outstanding balance and/or pending foreclosure. Ive called them hundreds of times and can not get past the first contact to resolve this issue. In accordance with the FCRA Specialized Loan Services has violated my rights. XXXX XXXX XXXX Section XXXX states I have a right to privacy. XXXX XXXX XXXX Sec. XXXX Sec XXXX a consumer reporting agency can not furnish a account without my written consent. A discharge under XXXX XXXX. XXXX ( a ) was granted, This order means that no one XXXX make any attempt to collect a XXXX debt from me personally. XXXX creditors has asserted a deficiency and sent people to my home to collect on a XXXX debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My parents are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. They did a refinance on home XX/XX/XXXX. There was almost $ XXXX in fees. The house is going through foreclosure now. I can't get assistance from anyone. Also They refinanced 3 or 4 times the loan is always placed with XXXX XXXX My father passed away XXXX of XXXX I sent the bank everything about 3 or 4 times. I thought the mortgage had life insurance on it They said no. The loan is now with specialized loan servicing account number XXXX I tried to report a problem with the closing and they said that there wasn't one. My mother just passed 3 months ago. I am the personal representative and executor of the estate. I need assistance from you. Please call XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX fl XXXX. Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2022-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My sister passed in XXXX and when i went through her documents, she showed that she took out a home equity line of credit mortgage. When I called Specialized Loan Servicing LLC to get more information, they would not speak with me. I went to court and became administrator of the estate. I was told that the mortgage is tied to our property and it would have to be paid. I started making payments but I am on a fixed income as a senior. I asked for assistance in getting a modification and I was granted a trial payment plan for {$640.00} starting on XX/XX/XXXX to XX/XX/XXXX. I was told to continue making payments until I received the final mod. I continued to pay that trial payment amount and never received the final. I met with a Housing Counseling Agency and the Specialist called SLS and spoke to a rep and was told that this home equity line of credit is an adjustable rate mortgage loan and that the last payment they received was on XX/XX/XXXX for {$640.00}. However, the payment changed in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$710.00} and in XXXX, XXXX to {$700.00} and in XXXX, XXXX to {$690.00}. I was never aware of that until I got a notice that I am behind in the mortgage. Additionally, the monthly payment that I was making was disengaged in XXXX, XXXX. THEN I WAS TOLD THAT SLS DOES NOT MODIFY LINE OF CREDIT LOANS. I have attached a copy of the letter that approved me for the trial.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11207
Submitted Via: Web
Date Sent: 2022-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022 our loan was transferred from XXXX XXXX to Specialized Loan Servicing. We have XXXX borrowers on our account. I have made multiple attempts to access my loan, but am not allowed to post a payment or create an account, because I am listed as # XXXX on the loan. It is unacceptable that I can not access my account. I have made numerous attempts online and over the phone. The employees are rude and unhelpful, their phone system continuously disconnects you. Our payment is due today, and we have been unable to post the payment. They insist on charging exorbitant fees if you don't pay online, but will not grant online access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2022-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A