Date Received: 2022-04-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is in continuation of the complaints : XXXX and XXXX. First I want you for responding to my case. During the original XXXX package requesting a deferral plan the company sent out a person to my house on the start to inspect the house to get it ready for foreclosure. In your last response I was given the an application to file en exception to start a repayment plan or deferral plan/partial claim. This was XXXX back and when I called a few days later I was told this package didn't mean anything and it will be denied. In later calls, I finally got a hold of someone to set up a repayment plan. This was a 3 month repayment plan paying {$90000.00} for three months. This was to start XX/XX/XXXX and and the XXXX payment on XX/XX/XXXX and the third is currently scheduled for XX/XX/XXXX. I made the first payment on XXXX and last Friday ( XXXX ) I received a call from the company that they are reviewing my application and it could take 30 days. I didn't know what to say because I was not aware. I told her that I was accepted on the repayment plan and she said she was not aware. I am not sure these guys are on the same plan. I asked her to kept me informed and when I checked the website a few days ago the package was denied. No one talks to me on what they are looking for to move forward. They say they will work with you and never tell you want can be done to move forward. Then a couple of days ago another person per the request of the servicing company came out to inspect the house for foreclosure. I am on a repayment plan so why would they be sent out?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67226
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sent numerous notarized interventions to this creditor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have yet to respond to this erroneous account with any validation and/ or removal of account. Filling a XXXX complaint against this creditor as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92627
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing LLC has taken an already difficult natural disaster related insurance claim and made it even more problematic. I spoke with three SLS representatives in different departments explaining in detail that the previous servicer could not endorse our claim checks due to a criminal investigation in which the servicer ultimately was barred from servicing the loan. The XXXX month delay has caused more damage and tremendous financial hardship as my wife and I covered all repair cost up until now. On XX/XX/XXXX XXXX XXXX in SLS claims department assured me due to the prior circumstances that occurred my claim would be processed and expedited in the sum of exactly {$40000.00} and the remaining funds {$2000.00}, would be released after SLS had an inspection done. Please note the claim amount to be released from escrow in the initial agreement with SLS is considered a monitored disbursement. Furthermore XXXX XXXX told me I did not need to include any receipts which show the cost my wife and paid out of pocket to make the home safe to enter after the natural disaster occurred. XXXX XXXX specified twice, all I needed to provide was the insurance adjusters worksheet. He gave me instructions on how to sign the checks over to SLS and mailing instructions. Several days later I received a check by mail for {$10000.00}. Concerned SLS had arbitrarily breached the agreement I called back to the claims department and XXXX answered. I explained to him what happened and that the deception was unacceptable as it could lead to further repair delays and my family and I have already been out of our home 6 months. He told me he remembered speaking with me and put me on a lengthy hold before returning and telling me my claim was entered into the computer wrong and that it has been corrected and the funds would be released from escrow. Several days passed and I did not receive the promised funds. I called back and spoke with a representative named XXXX XXXX, who was very rude. I explained to her the situation and she stated her records show my claim is being treated as an old claim and that funds have been denied. It was only after I explained to XXXX XXXX that I am well aware of my rights and I was covered during the time of the flood disaster as my insurance policy is backed by the XXXX XXXX XXXX XXXX XXXX she recanted her rhetoric. She stated the money is in escrow and that SLS has no problem reimbursing its costumers for out pocket cost.. I was then told to send the proof of receipts for the repairs done and my funds would be released immediately. XXXX XXXX apologized for XXXX and said he must have been new and made up something. I stated an apology will not cover SLS 's liability for the cost as more damages may occur to my home due to unnecessary delays being caused. I requested that XXXX XXXX have a supervisor contact me concerning this matter. She stated their names were XXXX and XXXX and that she could not give me their last names and neither contacted me. I did not get to speak with the supervisors nor did they call me back at a later date as I was told. On XX/XX/XXXX I spoke with a representative in the lost draft department named XXXX. She said my receipts are on file and that they were approved to release an additional {$1200.00}. This communication is further evidence of a pattern of SLS arbitrarily choosing disbursement amounts that violate the initial agreement and will do very little in helping us repair our property in a timely fashion. It should be noted the first $ XXXX was sent out prior to SLS requesting receipts for the repairs we paid for out of pocket, as it was agreed the claim would be expedited due to the 6 month delay prior to SLS becoming the servicer in XX/XX/XXXX. The {$1200.00} was not part of the reimbursement agreement established with SLS on XX/XX/XXXX. SLS has continued to conflated this matter through procedural negligence and false statements. SLS attempt to combine the remaining balance of our repair cost with the $ XXXX that was disbursed prior to SLS requesting proof of our personal repair cost is problematic and highlights a pattern of on inconsistency. After the call with XXXX was disconnected while I was waiting on hold, I called back to the loss draft department and spoke with a representative named XXXX XXXX. She stated that the receipt I sent SLS for {>= $1,000,000} did not specify that it was paid in full. I stated I don't understand, it is a service receipt not an an invoice. I contacted the contractor and resolved the matter and forwarded it to SLS. A week later on XX/XX/XXXX, I spoke with XXXX XXXX in the loss draft department. XXXX XXXX stated that SLS was still having a problem understanding if a balance was owed or if I paid the amount stated on the receipt. On XX/XX/XXXX I spoke with XXXX XXXX in the lost draft department. She stated SLS did receive the signed and updated receipt required for their records but they will now need to schedule an appointment for an inspection. I agreed but clarified repairs required by the adjuster have not been preformed, as our personal funds were depleted repairing what we could while waiting on disbursement of our insurance claim funds. XXXX XXXX stated the inspector would be coming for a basic check of the condition of the property as SLS has not seen the property since becoming the servicer. She said SLS would disburse possibly more than the {$18000.00} once the inspection is done but no less. I told her I have no problem with the inspection as my concern is that further delays on repairs will cause more damage. On XX/XX/XXXX, I received a voicemail from a woman named XXXX who said she was calling to schedule an inspection. XXXX XXXX left a phone number XXXX XXXX ext XXXX. This number was a XXXX wireless cell phone which was disconnected. Furthermore she left a phone number for the company XXXX which is suppose to preform an inspection. Said company has not returned my calls despite me leaving voice mails in different departments XXXX times. ( XXXX ) On XX/XX/XXXX a man named XXXX from an undisclosed company said he was contacting me on behalf of SLS to schedule an appointment for XXXX. I explained to him XXXX left a disconnected phone number with an extension and that XXXX does not answer. He stated he would email them because they usually respond fast, try contacting them again and wait a day, and if I didn't hear anything back call him on the XX/XX/XXXX because, this is not ok. I called XXXX XXXX on XX/XX/XXXX he did not answer I left him a detailed voicemail stating once again I was not contacted by XXXX nor did they answer when I called them. XXXX XXXX called on XX/XX/XXXX and left me a message stating that he is trying to reach out to the inspection company again and that he actually put an extremely high XXXX on the email to call me or text me. XXXX XXXX said he received an update showing that XXXX called me on XX/XX/XXXX. XXXX XXXX stated wait another day and call him back as he would attempt to reach out to them. On Friday XX/XX/XXXX, XXXX from XXXX contacted me and stated she just spoke with her inspector named XXXX and to give him a call. I immediately called XXXX XXXX at XXXX and scheduled the inspection for XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX walked through the home and took pictures of the floors and the roof and gutter which has been repaired. He also took pictures up stairs and stated to me it is dry confirming no more water was entering the home from the wind damage to the roof as our receipts verify we also had the half the roof and gutter system repaired and replaced. XXXX XXXX stated he had been watching my home for a year prior at the request of the inspection company XXXX and that he seen my sons bike on the porch and the kitchen light was on several times he even observeed my grandson I cutting the grass. He stated that he told his superior at XXXX that the home is occupied multiple times and as recently as a months ago ( XXXX ). If XXXX XXXX statement is true it indicates SLS like the previous servicer is aware that the home is XXXX and not abandoned and is still intentionally attempting to withhold claim funds needed to finish repairs in hopes of compouding finacial hardship in order to foreclose on our home. Please note when the inspection was preformed by XXXX XXXX did not take pictures of the area associated with the second part of the insurance claim located in the basement and it accounts in part for the sum total of funds being held in escrow for repairs at this time. It also provides more evidence that repairs were initially started as I informed SLS. SLS was made aware several times of the repair delays the criminal investigation of the previous servicer caused and they were barred from endorsing the insurance claim checks. I reiterated the above fact because our property suffered additional damage because of repair delays and my wife and I have covered the repair cost the best of our ability. Please note specific consideration and terms was discussed and agreed to via phone call with SLS. My wife and I have cooperated with every SLS request despite the pattern of misrepresentation its personnel. On XX/XX/XXXX an SLS representative named XXXX told me SLS received the inspection photos at XXXX am and that they would contact me in XXXX business days. SLS has not contacted me as of XX/XX/XXXX. On XX/XX/XXXX I spoke a SLS Representative name XXXX she stated SLS was waiting to hear back from the inspector and that they would try to get the direct contact information for the inspector to expedite. I explained to her the representative XXXX stated the results came in at XXXX on XX/XX/XXXX and that I have the inspectors direct contact number in front of me. I requested that XXXX get a XXXX who would be able to give me a straight answer before I filed a complaint. She left me on hold for a considerable amount of time before telling me no XXXX were available and that she would have someone contact me later on today. I have no faith in SLS 's upper management to address this matter as they have repeatedly not returned my calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48038
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-31
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: I had a remodification completed, during a time that my loan was being moved from XXXX XXXX XXXX to Specialized Loans, my credit report shows I had not paid my mortgage XX/XX/XXXX to XX/XX/XXXX, if that was the case I would not have my home. This incorrect reporting is damaging my credit severely. When in the process of the remodification you are asked NOT to make payments. And then you have a trial period of payments before the process can be completed, this should not be a negative on my credit score or followed the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I have been making bi-weekly payments to Specialized Loan Servicing and after checking my credit report through my banking account I noticed there was a 30 day mortgage late reflecting which dropped my score 40 points. I have been working diligently to raise my score with them to possibly get a modification. I contacted them to and received a message about the fair credit reporting act. I also have a dispute in with them through XXXX as well. I have also been speaking to some credit repair companies who claim they can possibly get the 30 day late removed, but of course that is money. I have heard so many complaints regarding this company that I don't think I would want to do anymore business with them. My account was transferred to them from XXXX XXXX. When making payments there was an unapplied/suspense in the account so when the payment there wasn't enough to make a full payment and I wasn't aware. I have also faxed the company a XXXX letter to get it removed, but that could've went to anyone. Please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2022-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Quick Timeline : Originated loan on new home with XXXXXXXX XXXX XXXX in XX/XX/XXXX. Loan sold to Specialized Loan Servicing LLC ( SLS ) a month or two later. Spring XXXX, I receive XXXX interim property school tax bill, see attachment. I immediately contact SLS about payment, as my escrow was funded at closing to handle all property tax payments. SLS does not have a way to share the bill electronically, so I have to mail the original, which I do, in early XX/XX/XXXX. A few months go by, I remember to check SLS, and see it wasn't paid yet. On XX/XX/XXXX I send the message ( See attachments ) to SLS checking on the status of the bill. First SLS received the bill and did nothing with it. Then they needed tax cert docs from my county before they would pay it, why I have no idea, but then they sent an insufficient monetary fee to the county when requesting the docs. I found this out because I spent hours on the phone with SLS and my county clerk to figure out what was going on. SLS does not resolve the issue before XX/XX/XXXX, bill goes to collections. In a conversation with them in XX/XX/XXXX I stated that I would pay the bill out of pocket when I receive it and they could refund me the penalties and interest, and they said that was fine. I received and paid the delinquent bill out of pocket in XX/XX/XXXX. See bill and receipt attached, and my XXXX XXXX statement showing the personal check amount paid. After this, I called SLS to be refunded. I paid {$2700.00} out of pocket. The original bill paid on time was {$2200.00}. I was/am due the {$480.00} difference from SLS for their incompetence. Every time I call, it's like there is no record of any history, and I have to explain the whole situation again. I do, they tell me my previous request was denied, I ask to speak to a manager, explain the whole situation again, they submit a new request. Apparently there is a frontend group we the customer get to speak to, and then there is a back end group that makes the decisions, and we the customer ARE NOT allowed to speak to them. They make a decision based on the info the front end people submit, and there is no correspondence or communication back to the customer of the decision. You need to call again and explain the whole situation again just to find out the status of your last claim. All 3 of my claims for the penalties and interest I paid of out of pocket were rejected, on the grounds that they are not responsible for interim tax bills. That's fine, but when the customer comes to SLS with all the documentation and requests the bill to be paid with escrow funds, and you SLS are too incompetent to do that on time, it IS your fault. It's literally the most helpless/frustrating feeling. I've never had a financial payment problem my whole life. But my loan gets sold to this sham of a company and now I'm left footing the bill for it. No way. It's insane they're still in business based on other complaints I've read. Funny note, SLS claims they are not responsible for the bill. But on XX/XX/XXXX, shortly before I finally received the delinquent bill and paid it, SLS, unprompted by me, tried to pay an amount of {$2600.00} for this bill. It was insufficient, and returned. See Mortgage transaction history screenshot attached. I hadn't spoken to them about this bill since XX/XX/XXXX, and if it's not their responsibility, why were they trying to pay the full amount with XXXX XXXX XXXX XXXXrom my escrow in XX/XX/XXXX? So confusing, so incompetent, straight up thievery. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We received notice from our county office that real estate taxes have not been paid from our escrow account. The amount in default is {$3500.00}. The first notice was received on XX/XX/XXXX. The default will be published in the local paper on XX/XX/XXXX. If payment not met, we will also be charged interest. The Lender, CMC Funding, has yet to open an investigation after many requests. Numerous calls have been made and am given the runaround. This has not been the best experience with this Lender. As a consumer, I find this unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Hi Im trying to contact HAF to asked them why they denied my application for assistance with my mortgage payments I was affected with XXXX last year and I was waiting the help thru XXXX XXXX XXXX I send the bank statements the months Im behind and they denied my application when I found out Icalled to the bank and they said nobody from this program called them to let them Know they just denied my application and thats why I need to talk somebody from this program to ask why what happens I been calling to XXXX XXXX the operator said she can transferred me which that department Theres no phone to talk samebody I was waiting for this program to help me Im not working right now Im really need the help and Im on foreclosure right now please help me to contact with them because the bank wants me to pay the all amount to stay in my house they said if I dont pay them theyre going to send the sheriff to close my house and Im going to loose everything please help me thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92571
Submitted Via: Web
Date Sent: 2022-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX XXXX to Specialized Loan Servicing XX/XX/XXXX. Prior to this loan transfer my annual sewer service charge, payable to my county was not paid by the mortgage company. I paid this service charge separate from my mortgage company. In XX/XX/XXXX, Specialized Loan Servicing increased my Escrow account to now include this sewer service charge. Even though the mortgagee company accrued the money, it has failed to make this payment on time. Payment was due XX/XX/XXXX, as of XX/XX/XXXX payment is still outstanding with penalty charges. I have tried to resolve this issue with the mortgage company numerous times, both by phone and text message. I can not contact the company by phone because my call is placed in an automated continuous voice loop. This mortgage company lacks the ability to resolve issues satisfactory and lacks basic communication skills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Specialized Loan Servicing services a 2nd Mortgage ( HELOC ) on a property that was foreclosed 4 years ago. The secured asset is gone, the 1st mortgage foreclosed but Specialized Loan Servicing says they chose not to fall. It is my understanding that they lost their claim when the secured asset was foreclosed by the 1st mortgage. 95 % of the conversations with Specialized Loan Servicing is aggressive and predatory, therefore I refuse to give them my current address. I've asked for them to prove the debt and any transfer of ownership, this predates the 2008 mortgage crises and they are not the original investor and/or servicer. I believe if the debt was provable that there are federal programs to assist in their loss, but since I doubt there is a proper paper trail I believe they are simply attempting to bully me into paying them monies I no longer owe due to a previous foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A