Date Received: 2022-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SLS is not giving me a modification. The loan number is XXXX I was told by SLS that I could make a single payment 2 months ago. Then, in the following week, SLS told me that the loan had been sent to foreclosure attorney, just a week later. I am a XXXX XXXX XXXX Veteran, and I have long XXXX ( see XXXX XXXX XXXX at the XXXX XXXX XXXX, XXXX XXXX ). Time is of the essence to stop SLS from foreclosing. They said they sent this to foreclosure attorney on XXXX XXXX. I learned that a Notice of Default was filed on XXXX XXXX. This is unjust, inappropriate, and must be stopped by Federal regulators.
Company Response:
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2022-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We made payments to the original lender, XXXX XXXX XXXX XXXX XXXX XXXX from XXXX until it sold to XXXX XXXX XXXX XXXX XXXX and finally to Specialized Loan Servicing LLC XXXX XX/XX/XXXX. XXXX still holds XXXX Deed of trust on our house. Our first payment to Specialized Loan Servicing ( SLS ) was XX/XX/XXXX. No payments were missed. I called SLS XX/XX/XXXX to confirm payoff and maturity date as we were close to paying off. They gave me an amount of {$8600.00}. According to information I have it should have been around {$2500.00}. ( There have been some paymts deferred but not $ XXXX ). I have send them proof of payments from the bank from XX/XX/XXXX to XX/XX/XXXX. I have also emailed the prior lender who has advised me they have send all information including payment history to the new lender. SLS will not concede that all payments have been made. They tell me that I've made late payments and interest has incurred. They have told me I couldn't have paid that amount off in 15 years. None of this makes sense. I have been in conversation with a local banker and he has looked at my paperwork. It's a simple interest loan and there is no way I still owe them according to last matured loan full payment due notice showing {$7200.00}. I just want them to prove to me what they are saying and I don't believe they can because anyone would have foreclosed had we been that far behind on a loan. I have several documents to prove this point. You can even find complaints on a website : XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39702
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested a payoff statement from my mortgage company in order to pay off my mortgage in XXXX, XXXX. I received the payoff dated XX/XX/XXXX. I did not have the funds as quickly as I thought that they would be available. However, I did make a payment which posted on XXXX XXXX in the amount of {$560000.00}. That was the amount of the payoff. The payoff amount included a per diem cost of {$40.00} per day beyond XXXX XXXX. I requested another payoff from SLS and received a balance of $ {$9400.00} which I thought was excessive. I calculated my per diem amount by the number of days beyond my original payoff date and arrived at a figure of {$3500.00}. I contacted SLS but they were adamant on the balance that they provided. I also had another property, same issue, same dates. When I requested a second payoff from SLS, I received a balance of {$310000.00}. which was calculated until XX/XX/XXXX. I made the payment for the {$310000.00} and requested a second payoff which SLS provided in the amount of {$14000.00}. My per diem for delays was {$24.00} per day which I calculated to be {$2100.00}. I need assistance in this matter due to my inability to resolve with SLS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19136
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had my mortgage with Specialized Loan Servicing. I sold my home on XX/XX/2022 which is the same day my electronic payment was sent to pay for the month. I have requested a refund check since XXXX I have not received one. I have called at least 3 times requesting my refund. The last phone call I asked for electronic payment back to my account or overnight it to my new home. I was told they couldn't. They have held my money for 6 weeks. I keep getting promises of checks - I want my refund. It is very easy for Specialized Loan Servicing to collect my mortgage electronically, but they refuse to refund it electronically. Who sends paper checks anymore???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In response to a previous complaint Specialized Loan Servicing LLC stated they do not hold the loan, but in fact were just servicing the Loan for a 3rd party. The last Bank to hold the mortgage was XXXX XXXX. I wrote XXXX XXXX concerning the handling of the loan and I was advised by XXXX XXXX that they sold the Loan to Specialized Loan Servicing LLC on XX/XX/XXXX and that XXXX XXXX no longer has an interest in the Mortgage Loan. So the question is Who exactly holds the Mortgage Loan for XXXX XXXX. According to XXXX XXXX it was sold to Specialized Loan Servicing LLC, but Specialized Loan Servicing LLC states they are only Servicing the Loan for a 3rd party. WHO HOLDS THE MORTGAGE LOAN FOR XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Tx XXXX?? In response to a prior complaint, from XX/XX/XXXX, Specialized Loan Servicing LLC stated they would send an Amortization Schedule under separate cover to our mailing address, However it has been more than a month and we have not received the Schedule. Please provide the schedule as requested.
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: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX sent in loan modification application to specialized loan services after several discussions and delays on sls part they said we did not send the application in time I called XXXX. To help with this process XXXX intervened and tried to help us sls gave XXXX the same run around XXXX possible XXXX suggested we file a complaint we have been trying to find a solution through sls whether it is a loan modification or another program through specialized loan services but they still keep delaying our request we do not want to lose our home so we need help from sls and XXXX thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Before and after my COVID-19 Forbearance ended on XX/XX/2022, I submitted a Request for Mortgage assistance, XXXX to XXXX, XXXX. I am ready to resume my mortgage monthly payments. XXXX, XXXX denied my request for Home Retention as in the attached document. Home Retention Program - Denied We were unable to qualify you for a Home Retention Option. Please see detail below in the " Results for programs that were denied ''. XXXX did not provide a detail reason but a blank, no words in the Results area for Home Retention. Home Retention Program Results area is blank as in the attached document. This complaint is for XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mortgage Pass Through Certificates, Series XXXX to provide in writing a detailed reason for their denial of a Home Retention Program during my request for mortgage assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I applied for assistance from XXXX XXXX XXXX, an HAF grant program, in XX/XX/2022 and was made eligible for assistance in XX/XX/2022. In order to receive up to {$40000.00} in assistance, Specialized Loan Servicing ( SLS ) signed a Collaboration Agreement with XXXX XXXX XXXX on XX/XX/2022, and received credentials to send all necessary paperwork in by XX/XX/2022. I've spoken to SLS several times and received conflicting responses about my application; one person said they hadn't received the request for paperwork from XXXX XXXX XXXX, and one person said they did receive the request from XXXX XXXX XXXX XXXX XXXX XXXXXXXX said they submitted all requirements and requests to SLS, so I don't why SLS has conflicting responses about my application. If SLS doesnt send the requested paperwork as soon as possible, the total amount past due will increase beyond {$40000.00} on XX/XX/2022, and I will be made ineligible for HAF assistance. Further, because Im in foreclosure, SLS pas a policy that wont let me make partial payments to the total amount owed; if SLS would let me make a partial payment, I can keep the total amount owed under {$40000.00} and XXXX XXXX XXXX can bring the mortgage current. I have provided sufficient documentation to SLS to prove I can make regular monthly payments once SLS allows XXXX XXXX XXXX to pay the total amount owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I got a forbearance during covid due to XXXX XXXX XXXX XXXX being shut down. I lost all my income for a year and two months. I live on XXXX and the whole island was closed off with no tourism. Ive attempted to make repayment and have even sent a XXXX $ check. They wont accept a re payment plan snd want all the money at once. I need help ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was forced out of my company due to a permanent XXXX. They were not able to accommodate my physical condition and I was let go after 26 years as I still need XXXX more XXXX and I have no more time I can use to get those done let alone that I most likely will not meet physical weight lifting requirements with the recommended back fusion and second XXXX XXXX. I asked XXXX if there was a way to do a loan modification to our mortgage since my income was significantly reduced and the Customer Service representative advised us to go late on our payments so we can work the modification process which we did. They denied our first request and I submitted for a second request with updated information which was also denied. They want us to liquidate our home and we want to stay and keep our home. Now they want us to make up the late payments and although I was able to pay the oldest balance ( I did this twice in good faith ), we are not able to bring the account current. We were just asking for a modification to help lower our interest rate and payment. Every little bit helps with our budget. They won't even help with a forbearance which was given to other customers during Covid. We tried to keep our payments current during Covid but I had XXXX XXXX with XXXX stints of XXXX, which was delayed by Covid, and they won't accommodate us with that either saying that the investors are no longer offering that assistance. My disappointment here is that I tried in good faith to work a process with a legitimate issue and they won't help us. We are stuck trying to bring the account current when they advised us to go late in the first place. I tried my best to be proactive and provide them the needed documents and responded right away each time they asked for more information. A friend who is a mortgage broker suggested I submit a complaint to you regarding my experience. I'm hopeful for a positive resolution but I've heard of millions of people across this country were getting assistance but I'm not able to get any help.
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: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A