Date Received: 2022-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: 1692g. Validation of debts violation did not validate debt as of XX/XX/XXXX. 1692f. Unfair practices 1692b. debt has been disputed within 30 days after I received notice. Filed multiple complaint with CFPB. Last response was received to the complaint was on XX/XX/XXXX they have no records. Violation of 20 US Code 1234e- Cease and desist law Receiving multiple phone calls after cease and desist letter was sent. Violation of The Privacy Act of XXXX Disclosing our personal records to XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX. After they were not able to verify me on my request they email information marked as bad address. Name of XXXX XXXX XXXX XXXX is not clear when I called on the number they do not know who who this entity. This company is in TX but fax number is in CA. But the company name I called number is XXXXXXXX XXXX XXXX. No names on the notice to call any question for question. Notice that was mailed had no returning address. Only at one return mailing address stated but return mailing is XXXX XXXX XXXX. Documents inside was from XXXX XXXX XXXX and blacked out that no one can read. Recording with county recorders office to sell property is wrongful foreclosure recoding since they can not validate the the debt and have no records. Perjury its been sated I was provide CA work out solution and other CA laws is false. No such things took place. At one stage they modified the loan and I requested to remove escrow account since they no records this was refused. I sated I am not refusing loan modification. They sated they pried close to {$30000.00} in escrow account in less 8 months is perjury. Loan was purchased in XXXX, XXXX and property tax is {$2000.00} year.
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: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The FHA loan was paid off with Specialized Loan servicing in XXXX of this year ( account # XXXX ) and the credit report still shows the mortgage as open and not paid in full. I can not get any information online or with the loan company because I keep getting a message that the account is paid in full, and the online information is no longer there because the loan was paid off when I refinanced. This is effecting my credit to date. I am requesting that Specialized Loan Servicing update information with all credit bureaus showing the loan is paid in full!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2022-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My forbearance ended XX/XX/2022 and I applied for assistance with my mortgage company but was only approved for a short sale or deed in lieu which I denied. I learned from the local housing fund that my mortgage company can not require me to pay my forbearance balance in one lump sum which they are requesting. I was told by a representative from the mortgage company that I could get the loan current up to 90 days and then they would offer assistance but I can not do that. I was approved for a housing fund grant to pay arrears but the mortgage company is stating my home can go into foreclosure at any time. I have not received any foreclosure documents or information for assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX I discovered that I could no longer continue in my employed profession due to suffering a XXXX XXXX and the following surgeries. I applied and was approved for XXXX. However, I was advised that my pay would not start until much later. My wife and I contacted our mortgage company and explained our situation. We requested a deferral, an adjustment, or any relief to aid us through this situation. Not only was nothing offered to us ; we were not allowed to make any payments that were not the full amount. This continued for almost a year. In XXXX of XXXX ; I received my first XXXX check which included past months of eligibility. Excited I contacted the mortgage company to apply the entire amount to my past due amount. I was informed that they could not accept the amount because it was short of the entire amount of delinquency which included late fees and penalties. During XXXX conversation my wife had with a service XXXX ; she was informed " Well, you could always file for bankruptcy ''. Frustrated, and at my wits end, I did not know what else I could do. The mortgage company foreclosed on the house, and it was scheduled for auction in XXXX of XXXX. My wife and I filed for bankruptcy which stopped thefi sale. Unfortunately, we filed XXXX XXXX ( stupidly ). We were able to rescind that motion and stop the bankruptcy. During this time frame I discovered an article stating that the CFPB settled with the same mortgage company with a consent order. I am in contact with the mortgage company trying to be fair. Here is the recommendation from them : Short Sale-approved, Deed-In-Lieu-approved, Home Retention-denied. I do have a law firm on retainer in case I must file bankruptcy or take them to court. I do have documentation I can send to you via overnight mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I am submitting another complaint against Specialized Loan Servicing for failing to pay my property taxes on time from my escrow account. I received a letter in the mail from the county stating that I had {$22.00} due from interest for failing to pay on time. An additional {$20.00} of interest was paid out of my escrow account that would not have been due if Specialized Loan Servicing had paid property taxes out of my escrow account in a timely manor. I expect for them to pay out of their own funds the {$22.00} amount due to the County as well as reimburse me for the {$20.00} in interest that was paid, but should have been avoided. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: SLS is failing to report my payments. I contacted XXXX who contacted SLS and nothing was resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85018
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was already approved for a short sale. SLS requested a sale date while I had a complete application. They are on purpose not processing my short sale. They forced me to file a bankruptcy. This is a notice of error in the processing of the short sale option for me, XXXX XXXX XXXX, for the above referenced property, named as the borrower in this document. I was approved for a short sale option on or about XX/XX/XXXX. SLS has shown a pattern of practice by committing multiple errors on this file. SLS is dual tracking and making me submit multiple RMAs unnecessarily. SLS has consistently requested new sale dates instead of requesting that the sales be canceled indefinitely. SLS further committed additional errors by opposing my sale cancellation for the sale scheduled on XX/XX/XXXX which forced me to file a bankruptcy therefore damaging me even more. As a direct result of these errors, I am suffering consequential damages including but not limited to the costs and expenses of having to continue carrying the mortgaged property, and by my inability to sell the property to a ready, willing, and able ( funded ) buyer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Disputed this second loan mortgage back on XXXX that its already been cancelled when we filed bankruptcy. Im not been paying on this loan for so many years, because we are selling the house now we found out that this loan is still valid that I thought is already gone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94531
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Like most Americans, I was affected by the COVID pandemic. My loan is a XXXX XXXX loan and in doing my own research I have found some errors I believe were made by Specialized Loan Servicing. I was never notified there was assistance available. I was never advised of the forbearance that was available, I also was never informed about the CARES act or any assistance that I could have utilized. I fell behind on XX/XX/XXXX almost a full year after the CARES act was passed. I received a call from SLS and told to make XXXX payments to save me from falling more than 60 days behind on XX/XX/XXXX. We have included the transaction history and that information was inaccurate. I received default notices on XX/XX/XXXX and XXXX, XXXX. I was sent a default email XX/XX/XXXX. Our concern is that SLS put me in a default situation when there was available assistance. Also, I believe that assistance was supposed to be offered to me every 34 days after a missed payment.We are looking for an explanation as to why my lender did not attempt to help me during a global pandemic, and after the CARES act was passed to help homeowners. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We were offered a Forebearance agreement, as my wife lost her employment due to Covid and I am on an altered salary from a XXXX XXXX XXXX Our Forebearance ended effective XX/XX/2022. My wife had just received employment XX/XX/2022 and we were prepared to resume making our house payments. But our mortgager stated we are only eligible for complete immediate payment, in deed of liu, short sale and foreclosure. During the forebearance it was never stipulated that we needed to pay {$55000.00} all at once. I explained that if our family had such funds, we would've paid regularly? I attempted to apply for the Mortgage Assistance program, but we were denied based off my wife 's XXXX which is brand new income vs the loss of income from Covid for a year and a half which affected our ability to pay our mortgage. I am appealing both decisions, but foreclosure is rapidly approaching and I have been working on this for several months, pleading and praying for a positive result, but yet yielding nothing. We feel alone and abandoned as we have just gotten to a good financial place, and no entity is willing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A