Date Received: 2022-03-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Due to a clerical error at the mortgage company they added condo insurance on my single family home which already had the proper insurance. It took me over a month of phone calls, emails and faxes to finally find someone to fix their error. Meanwhile they have harassed me with repeated phone calls insisting I owe them an additional {$240.00} with a late charge. They have even sent an updated payment booklet with the corrected amount of {$1100.00} for every month in XXXX that was sent on XX/XX/XXXX. I pay {$1200.00}. every month. I have explained the situation to their collections department and they insist I must pay this debt for the XX/XX/XXXX payment. Their mistake that has been corrected by their insurance department but I am expected to pay? Please makes them cease and desist. It is not my debt and they need to fix my account and records. I do not want a blemish on my credit due to their error and inability to communicate between their departments. I hope you will be able to help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33764
Submitted Via: Web
Date Sent: 2022-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing requested a baloon payment in XX/XX/2021 of my HELOC 2nd mortgage without any notice of this action before nor after this date. I was still in Bankruptcy during this time and I was continuing payment on the interest-only monthly payment per agreement on this HELOC. When my BK was discharged in XX/XX/2021, I found out SLS reported a late payment on the same month as a result of the baloon payment requested in XX/XX/2021. I am therefore disputing the late payment charge being reported by SLS to the credit reporting bureaus. This derogatory information should not be appearing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91722
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent my mortgage company my payment for XX/XX/2022 through XXXX XXXX I sent the third party because this company foreclose on me previously and I did a loan modification. They are doing the same thing again. But this time I'm sending my payments through third party so I have a witness I sent {$2100.00} through XXXX XXXX to specialize loan servicing who is the servicing company for a XXXX XXXX XXXX I kept calling specialized loan servicing to see if the payment posted and when it didn't they kept doing a ticket but on XXXX the XXXX 2022 when I called XXXX XXXX they said that specialized loan servicing refused the payment and refunded it. Tracking number is XXXX the payment was given to my brother to send for me his name is XXXX XXXX account number is XXXX XXXX I have the receipt attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We signed a Home Equity Line of Credit with XXXX XXXX XXXXXXXX XXXX ( XXXX ) around XX/XX/XXXX. Upon a recent in-person request at a XXXX branch, XXXX acknowledged that our Loan was sold in XXXX, but unable to identify the true buyer ( s ). XXXX only identified the Service Right for our loan was transferred to Specialized Loan Servicing LLC ( hereinafter SLS ) in XX/XX/XXXX. Shortly after the transfer of Service Right, SLS recorded an ASSIGNMENT OF DEED OF TRUST by claiming to have Attorney-In-Fact status from XXXX with the XXXX XXXX County Recorders Office in XXXX XXXX based on incomplete, inaccurate information and without competent and reliable evidence in support. Subsequently, SLS recorded a Substitution of Trustee by claiming to have Attorney-In-Fact status from XXXX XXXX XXXX XXXX as trustee for XXXX XXXX XXXX XXXX ( hereinafter XXXX XXXX ) also without any proof in XX/XX/XXXX. The ASSIGNMENT was from XXXX to XXXX XXXX and the SUBSTITUTION was from XXXXXXXX XXXX to XXXX XXXX XXXX. We demanded from XXXX, SLS XXXX XXXX XXXX via Qualified Written Requests to provide copies of all sales contracts, servicing agreements, assignments with a chronological chain of custody of each, allonges, transfers, indemnification agreements, recourse agreements and any agreement, including Power of Attorney ( XXXX to SLS ), related to our loan from its inception to the current date, but all three ( 3 ) firms failed to comply within the timeline as required by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter from Specialized Loan Servicing that they have cancelled my home insurance policy because I have no proof to show them evidence that I updated my insurance. I have called Specialized Loan Servicing since the XXXX of XX/XX/2022 and talked to their agent regarding that I have an updated proof of my home insurance that I got from XXXX Umbrella insurance that has been effective since the XXXX to XXXX. I have been told by different agents that they have received my updated policy and different agents told me they havent on their data base system. I have been transferred several times by an escrow department and waited for over an hour for an agent to reach me back. An agent told to email my updated policy insurance to XXXX or go to : XXXX. I have been sending them documents every week and keep checking on the status if SLS department received my updated policy. Unfortunately, no response. I have been ignored for weeks. I have been checking my emails and no reply back from them for weeks. I decided to write the XXXX XXXX XXXX XXXX, The Federal Trade Commission & the Consumer Financial Protection Bureau for not being lacked not replying back to me and being transferred to different departments that they can not answer my question. Different agents said they got my updated insurance policy and some agents said they havent. I dont know who is telling the truth to me, but it frustrates me that I got the mail today that they cancelled my policy and noted : Return Insurance Refund I have taken a photo of this paperwork that I received from them in mail. I am a U.S. Veteran, a business owner, a XXXXXXXX XXXX XXXX from the XXXX XXXX XXXX XXXX, and a XXXX XXXX Degree holder. I Have never been humiliated by this Specialized Loan Servicing for not helping me out when I emailed them several times on my XXXX Umbrella Home Insurance. Please investigate on the agents who took my call and please investigate why they cancelled my home insurance policy when its already been updated through my military insurance. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99504
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I entered into a forbearance and trial plan agreement and refiled another modification application. XXXX. I spent {$15000.00}. My civil rights were violated under file No. XXXX. I litigated in state court but they won't comply with the Consent Order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I previously had a loan with XXXX XXXX for the mortgage of my home. Due to XXXX XXXX, XXXX XXXX and XXXX, I fell behind. The home was foreclosed on and the loan was sold to Specialized Loan Servicing LLC. I am currently living in a XXXX XXXX and do not have direct contact information. The loan has been foreclosed but I have not been served with an eviction notice. I am in XXXX. I can not apply for assistance because I do not know where I stand with the house. Also since I have not been formally evicted, I am about to lose my placement in the XXXX. Both I and my counselor at the XXXX have attempted to contact the debt agency to clarify the status. On the first call, I was told that there were XXXX options. Fax and email information was provided. Both of us were told we would receive information on how to proceed. No information was received. We have been through the phone brush off on three occasions. No information is received. The last call, we were assured that we would receive this information within the week. In addition, I have attempted to contact the company via their website. I can not email them without an account. I can not create an account without a loan number. I have no paperwork from the company with any information or loan number etc. This has been going on for over a month. I am willing to work with them or to move on if I could simply get a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage servicer, Specialized Loan Servicing ( SLS ), approved me for a covid forbearance in XX/XX/XXXX due to loss of income. I received numerous extensions until XX/XX/XXXX when I was told they would not extend it again and I needed to make a lump sum payment to be current on my account. I explained that I did not have enough money to become current but was able to pay enough to be within the terms of their repayment plan. I spoke to a customer service agent named XXXX who processed the payments I made to be within the terms of the repayment plan and set up the repayment plan with me. He said I would need to make my regular mortgage payment amount every month in addition to an extra {$1000.00} from XX/XX/XXXX through XX/XX/XXXX. He assured me that since I had agreed to this workout plan that it would not be reported to the credit bureaus and I would not receive late fees. He set up the first three payments which were automatically deducted from my bank account the exact days we agreed to every month. He called me back at the beginning of XXXX to set up the remaining 3 payments which would be deducted at the end of XXXX, XXXX and XXXX of XXXX. I expressed concern to him over a letter I received from SLS stating my account was delinquent and he said that is automatically triggered but not to worry about it since I had done everything I agreed to and had made all of the workout payments on time. Yesterday I suddenly started receiving alerts from my XXXX account stating I had derogatory marks on my credit and my credit score fell XXXX points. This happened because SLS reported me as being 120 days past due and also is reporting that the full amount of my mortgage is also due. I called SLS first thing this morning and spoke to multiple people. They are refusing to fix this error until I am current on my account, which wont be until the beginning of XXXX when my repayment plan is completed. As I was writing this I received another alert that they reported the full amount of my mortgage as a past-due balance. They are ruining my credit and I have done everything I agreed to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We live in Viginia try to apply for our COVID 19 missing payments, to modify the mortgage since XXXX. but the company asking as the same documents again and again, then finally they withdraw the application. we are afraid our home is at risk. the first amount was {$34000.00} but now it gets about {$40000.00} we tried to send the monthly payments {$1800.00} about four times but they keep returning the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS purchased our mortgage from XXXX bank. The entire process has been a complete mess. SLS never notified us that they acquired our loan and we continued to pay XXXX. After months of dealing with SLS, they finally obtained our payment from XXXX but during those months they called me daily demanding I pay a second time and threatening our property. Our initial statement from SLS was full of errors, including material errors in the escrow accrual. I got them to correct the escrow amount and in the process they confirmed they received our escrow balance from XXXX and acknowledged they needed to pay the taxes. Despite this confirmation, SLS failed to pay the property taxes on our property and we received notice from the county. I notified SLS and they assured me the taxes would be paid. I later received lien notice from the county and contacted SLS. They again assured me it would be taken care of. I then went to refi an home equity loan and was notified that the balance was still outstanding with the county and the lien had been sold to a 3rd party. SLS this time said they were researching and one step outstanding was determining who internally was at fault and they couldn't pay until that was determined. As of this complaint, I am still waiting for SLS to pay my taxes. I was told I could pay the taxes myself and SLS would reimburse me to get this resolved but if SLS hasn't paid the county as they promised, why would I take the risk of that proposition. In addition to the tax issue, I received an email notifying me that I was late on payment despite the fact that I had set up autopay. I'm assuming because of the escrow issue, the autopay was turned off without notice to me. As a result, SLS has applied late fees to my account. I noticed on their website that they have also noted me as late payments last year that was solely due to their purchase of my loan as I made all payments on time last year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A