Date Received: 2022-02-24
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: The mortgage company that I am dealing with is Specialized Loan Servicing ( SLS ). I am trying to have my home appraised because I believe that it is eligible to have the PMI removed. I faxed over Authorization for Internal Valuation on XX/XX/XXXX. I waited around 3 weeks or so and still didnt receive any phone call/email/mail from SLS regarding the form I faxed over. I called and spoke with a representative and was told that they did receive the fax and that someone would contact me to set up an appraisal. I wait a few more weeks and never hear back from anyone regarding the matter. Over the next few weeks I spoke with multiple representatives who couldnt resolve the issue. I spoke with XXXX on XX/XX/XXXX and was told that someone tried to contact me on XXXX but was unable to contact me and that she would escalate the matter and I should follow up on Friday XX/XX/XXXX. I never received any missed calls or voicemails from anyone on that XXXX. I asked if I could get a contact number to the company that would do the appraisal but I was told that they couldnt do that and that I should keep my phone on me and have the ringer on loud in case that they call. I call and spoke with a representative on XX/XX/XXXX to follow up and they dont have any new information that they can provide me with so I voiced my frustrations and was told that I would receive a supervisor call on Tuesday. I did receive a supervisor call from XXXX on Tuesday XX/XX/XXXX and was told that he would reach out to the company and hopefully they would contact me within 24 hours and that he would follow up the following day. I never received any phone call from an appraiser or the supervisor. I tried calling SLS to follow up again today, Thursday XX/XX/XXXX, and cant get in contact with any representative because of technical difficulties. The representatives were all nice, but nobody could resolve the issue and most of them would tell me to follow up in a few days or the next week. It has been 7 weeks since Ive first sent the form to initiate the evaluation of whether or not I can remove the PMI on my home and nothing has been done. SLS is a joke of a company and I cant believe how inefficiently their processes are. I shouldnt have to waste so much of my time trying to get a hold of a representative who cant even resolve a simple issue. Im honestly considering refinancing with a new company so that I dont have to deal with this incompetence. There is no accountability with this company and this has been an extremely frustrating experience. I 100 % would NOT recommend anyone to use this company to finance their home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90638
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid {$3000.00} into my escrow account beginning XX/XX/XXXX and ending XX/XX/XXXX. I received an homeowners insurance reduction of {$120.00} because of a new roof I had replaced in XX/XX/XXXX. The insurance company sent me a check for {$120.00} and I called Specialized Loan Servicing to ask them about the money going back into my escrow account. Specialized Loan Servicing told me to make an extra escrow payment for {$120.00} to cover the projected shortage. I made that extra payment along with my normal payment XX/XX/XXXX. I also made another extra escrow payment XX/XX/XXXX. The total extra escrow payments was {$220.00}. I received an escrow analysis showing a shortage in the account and instead of applying the {$220.00} to my escrow account XXXX applied the extra funds to my principle. The new payment starting in XX/XX/XXXX is based on that shortage and is incorrect. I have called the company which is so terrible to get to them .The company makes you jump over hoops just to talk to someone and then they will tell you different things just to get you off the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27012
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My payments were on forbearance due to the pandemic which ended in XX/XX/21. At the same time, I sold the property in the same month. I also informed SLS that it was sold and needed a payoff amount that is in agreement with NC Status. XXXX. SLS repeatedly did not give a payoff amount to the closing attorney as per NC Status. XXXX. SLS also charged me additional charges for the property which I was never in foreclosure. XXXX. They declared all my forbearance time as late payments. Due to the fact that they would provide me or the closing attorney the payoff amount per NC status I had to pay additional interest charges. They also charged me additional fees for the house which I was never notified. I never received any notice that the house was in foreclosure. I would like all charges for the hose and interest refunded to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Consumer Financial Protection Bureau Regarding : Specialized Loan Servicing : Wrongful Foreclosure XX/XX/XXXX I called Specialized Loan Servicing, now after referenced as SLS, to report a financial hardship and skyrocketing divorce cost. I asked what programs they had to help me in this time. NONE They gave me the number to H.U.D After several more request for help from SLS, such as Mortgage Relief, Loan Modification, forbearance, Request for Mortgage assistance, move one payment to the end of the loan and lastly COVID-19 assistance. Each and every time I got an answer of here is the number for H.U.D With no other option available I called that number and was put in touch with an office in XXXX, CA The H.U.D office had asked what steps I had taken, and I explained. They said to call them back and specifically say I needed a particular program due to the pandemic. DENIED Per H.U.D I requested a loan reinstatement quote, now two years later. This is what SLS sent : Per your request, the following amount is required to reinstate the above referenced loan : Payments Due Through XX/XX/XXXX {$12000.00} Late Charges : {$230.00} Fees : {$120.00} Property Inspections : {$120.00} Legal Fees : {$0.00} Negative Escrow Balance : {$0.00} Unpaid Escrow Shortage : {$0.00} Corporate Advances : {$1500.00} XXXX : {$0.00} Uncollected Interest : {$0.00} Suspense XXXX : ( XXXX ) Suspense 2 : {$0.00} TOTAL REINSTATEMENT : {$13000.00} SLS has now sold my home at auction on XX/XX/XXXX. I called SLS approximately 11 days prior to ask for an extension. I read that this is possible in the notice given to me by The Mortgage Law Firm. They said it was not up to them and to call the auction people. When I called them back I TOLD them it is your decision to grant or deny me this extension. After a few minutes of being on hold I was told no. Meanwhile I am trying to solidify my bailout loan. On XX/XX/XXXX I was approved for a conditional loan for {$210000.00} I called SLS again to request the auction be postponed while the details and funding were processed. SLS said NO. I am still living in my home. I have not received an eviction notice. I have made a claim to the surplus money from the auction mainly so no one else can. However, I do not intend to take the money as it will show acceptance of the sale. Of which I truly do not accept. That money belongs to the organization that bought my house in a wrongful foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Specialized Loan Servicing ( SLS ) Address : XXXX XXXX XXXX XXXX, CO XXXX Customer Care Number : XXXX SLS filed a 1099-C on a second mortgage that was legally prohibited at time of short sell in XXXX. When this sale occurred we fell under the Mortgage Forgiveness Debt Relief Act of XXXX which has been extended through XXXX. This was our primary residence and we had lived in the home over 2 years. At the time of sell the second mortgage was held by XXXX XXXXXXXX XXXX Once the home sold we did not get a discharge of debt as the debt collector ( At the time XXXX XXXX XXXX ) was prohibited under the Mortgage Forgiveness Debt Relief Act. ( XXXX XXXX XXXX ) In XXXX of XXXX we received notice of sale of the debt to SLS and they wanted to establish repayment. We sent a validation letter and explained that this was over 10 years ago and at the time of sale the Mortgage Forgiveness Debt Relief Act was in effect. The next thing we heard back was this 1099-C that we received in XX/XX/XXXX. XXXX states that they discharged XX/XX/XXXX. We are seeking to have the 1099-C withdrawn from the IRS filing XXXX We are also filing a 3949-A with the IRS regarding SPS fraudulent deduction and requesting IRS take legal action to the extent of the law. We are attaching the Warranty Deed on the sale of the home and the fraudulent 1099-C.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2022-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing ( SLS ) withdrew an extra XXXX $ from my bank account over XXXX and XXXX. see below. I asked them multiple times for this extra XXXX $ withdrawn either returned to me immediately or applied against my payment due on XX/XX/2022 of XXXX. They have refused multiple times to do so. Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage Pay Web Pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75024
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Below details the timeline showing the negligence on behalf of Specialized Loan Servicing which put myself, XXXX XXXX, and my husband, XXXX XXXX XXXX, at risk of collections, negative reporting to credit agencies and property seizure. This is not a full account as I had full confidence the company could correct this on their own in the beginning and did not keep a full record. On XX/XX/XXXX, our real estate taxes were due for our home in the County of XXXX, Virginia. Also on XX/XX/XXXX, our mortgage sold to Specialized Loan Servicing ( SLS ). On XX/XX/XXXX, I received a delinquent notice for unpaid real estate taxes from County of XXXX, Virginia. The amount past due was {$1100.00}. I contacted the mortgage company phone number on my most recent statement but was unable to speak with anyone. The voice prompts for my unpaid real estate tax situation sent you to a message that advised I had to send the delinquent notice to the address provided for them to make the payment. I sent the delinquent notice so I no longer have it, but I did take photos. During the months that followed, phone calls to SLS were unfruitful. Every call provided different answers and no true resolution. Many agents want to place the blame on the former owner of our mortgage and show no sympathy to the situation or a sense of urgency to have the taxes paid. No one seemed to have compassion to the fact that we are continuing to pay a mortgage payment with funds specifically for taxes, only to have taxes not paid. On XX/XX/XXXX, after getting nowhere with the SLS mortgage call center, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) for fear that this will not be resolved by the company on their own. The XX/XX/XXXX escrow balance was {$2600.00}. On XX/XX/XXXX, SLS sent the overdue funds for the XX/XX/XXXX real estate taxes to County of XXXX, Virginia and a letter to our advising they received the complaint. The XX/XX/XXXX escrow balance was {$1800.00}. On XX/XX/XXXX, we received a delinquent notice from County of XXXX, Virginia advising that our XX/XX/XXXX taxes were not paid and we were going to be moving to collections. The amount of the bill was {$1200.00}. On XX/XX/XXXX, a call was made to SLS to have this most recent situation corrected. We were advised that a large check totaling more than {$100000.00} was being sent to XXXX County Treasurers Office to pay real estate taxes for multiple homes that are delinquent. The agent advised that the check would be sent out on XX/XX/XXXX. On XX/XX/XXXX, I called XXXX County Treasurers office to see if the taxes had been paid. They advised that the account was still delinquent. On XX/XX/XXXX, I again contacted SLS and requested to speak with a supervisor. He advised that payment was sent on XX/XX/XXXX and the check was cashed. I advised him a previous conversation advised that the check would be sent XX/XX/XXXX. He did not know why. I advised him that I had filed a complaint with the CFPB and asked if he knows what other government entities regulate this industry and mortgages specifically, he only knew the XXXX XXXX XXXX. I asked if he had advice on what to do. He did not. He referred me to the Customer Service number for additional questions. On XX/XX/XXXX, I called XXXX County Treasurers office back to see if the check had cleared ( SLS advised the previous day that a check was cashed ). On this call, I learned that 2 checks were received from SLS on XX/XX/XXXX. Both checks were dated XX/XX/XXXX but were sent with a printout dated XX/XX/XXXX. The checks were check # XXXX for {$270.00} and # XXXX for {$980.00}. The checks were deposited, but were later rejected for stop payment. Also, the checks were sent for the amount on the XX/XX/XXXX bill, but were not enough to cover a late payment. Also, 2 checks were received from SLS on XX/XX/XXXX. Both checks were dated XX/XX/XXXX. The checks were check # XXXX for {$10.00} and check # XXXX for {$980.00}. These checks were not enough for the amount of the XX/XX/XXXX bill. These checks were returned by the Treasurers office as 2 checks were received the day before and at this time the county did not know those checks would be returned. Also on XX/XX/XXXX, the County of XXXX, Virginia Treasurers office sent a letter to SLS mortgage advising of the checks that were returned for having stop payments placed and advising of additional fees to cover the returned checks. I hope this additional detail provides some insight into the way Specialized Loan Servicing is conducting business. I will keep more thorough records going forward. Research online revealed that SLS is not accredited by the XXXX XXXX XXXX and has an XXXX rating. I submitted a complaint detailing the ordeal, attached photos of the delinquency notices and advised that I wanted late payment fees reimbursed, late fees to XXXX County to be covered, any negative impact to my credit reporting to be corrected and to have escrow immediately removed from my mortgage so that I can have some control over how funds are disbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22655
Submitted Via: Web
Date Sent: 2022-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/2022, I contacted my service, Specialized Loan Servicing, to discuss options, multiple times. One time, I called and once on the line with the representative, she hung up. I also called once and was told that my loan was not in the system yet and that she would transfer me to the right department, then transferred me to a dead line. I was speaking with a representative shortly who also told me that my account may not qualify for deferral of payments after forbearance and that I may have to make all missed payments at once or would be subject to foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95667
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX ) You attempted to purchase our property at XXXX XXXX XXXX numerous times DENIED. Your offered amount was very low and you were denied 4 times by lender. She assured us this was the short sale negotiation process and that was the starting point and she would increase the offer as needed. This went on for several months and the property should have been sold months ago she did mot bring back up offers to us. She promised a bidding war and nothing took place. Why? Our current buyer tried to purchase in XXXX. The market was very hot and our property just sat there for months. We understood she had a plan and had several back up contracts. If you could not purchase the house you should have moved on. . I explained our payoff was much higher and the lender would not accept that LOW offer that you submitted. XXXX XXXX company was denied again and she submitted the XXXX offer and attached herself as a investor to receive a fee. She said she took the listing late one night out side of XXXX XXXX our relator causing her to be upset. Our short sale was salvaged is what I thought. The XXXX came to the table with a fair offer and are waiting patiently to buy this home. Then the investor decided the last attempt that you had to lower the offer to get a fee. I asked why lowering the house offer to cover a fee if SLS pays you? The buyer did not feel they could break the law period nor did we. That is mortgage fraud!!! We are selling a house and no one should be breaking the law or do something unethical to pay you. The investor should have stepped aside when your offer fell through the lender said. Again I asked XXXX XXXX who represents us and why we were so low? You said for us to release her and hire XXXX XXXX due to a commission dispute. We took investor recommendation again to release our agent. You said for me to take all calls or questions to XXXX XXXX our new relator and that is what I did. If you knew doing this deal with you was fraudulent you were not looking out for our best interest. You again assured us it was not fraudulent if the buyers XXXX agreed. The declined to break the law also. They wanted the house but SLS the lender said NO to investor on the distribution for money. It is not fair for you to make us responsible for you not making sure you had an agreement with the lender to pay you. They must have said NO at some point only you know the answer to that. But my husband nor I ever agreed to pay you anything. We did questioned why this investor took the offer price from the XXXX from XXXX to lower to XXXX and force us to pay the investor a fee. I did not think it was fair to us as the sellers. The XXXX came to the table pre qualified with a fair offer. Investor said that was the only way she could get paid. We asked her numerous times how she was getting paid? You said the lender pays your fee on short sales. Now we know you were working with XXXX XXXX XXXX a builder is an individual that is trying to collect funds at close. This is mortage fraud and we are seniors needing help right now. XXXX XXXX XXXX initial relator was released due to all the confusion with the split commission, late contracts and other issues you said she was doing things that were XXXX professional so we released her after our contract expired at your encouragement.. She sent us an email of the fact this was mortage fraud XXXX XXXX took advantage of myself and my ill husband under duress. She assured us she knew the rules on a short sale and how SLS does business. SLS said you could not be on the contract!! The agreement that you had to be removed from the contract was not negotiated by the Hardemans. We were excluded and removed from those decisions. I do-not have a contract with you. You are now holding our property. You were an investor trying to purchase the house. All of the work done was for your company to buy the house I thought and help come up with the correct balance. Now you are holding our documents hostage as you have held our property since XXXX we want to move on and sale the house. Your numbers were to low and we advised you and XXXX XXXX we were tired of the back and forth with you and SLS. I was very concerned about my husbands health and trying to care for him. I told you SLS was looking for XXXX and you advised me XXXX was an expert at short sales. After your last offer fell through you decided you wanted to stay on I guess and receive a fee to at least help close the XXXX. The problem I see is you are an investor not a licensed realtor. That would be mortage fraud!!! It is not our responsibility to negotiate a fee for you period. My husband and I were made aware of an agreement on the roof so we signed the amended contracts quickly while we were out of town. Then you sent us a XXXX saying not to sign the contract in writing. Someone was cutting you out of the deal. This entire process has been confusing and an issue since the start with your company. You promised to look out for our best interests since we were in a difficult situation already. I told you my husbands health crises had to came first. XXXX XXXX nor I have not negotiate a fee or commission for you or you short saleNegotiator. We signed all documents as requested to facilitate the sale they expired. We were all I made aware that SLS lender would not allow you on the purchase agreement. We did not understand how you were to be paid but you assured us you were taken care of by the lender. XXXX XXXX to take our original documents and destroying them is what you str saying after arranging a pickup. Something else changed and I am not sure what and when but we never agreed to pay anything accept the small lien for {$200.00} and I zelled that to you as you requested. You never sent to the title office that lien payoff. We had to pay it twice due to your dishonesty. XXXX XXXX and XXXX XXXX XXXX will not be negotiating or signing any agreements of fees or commissions that are unethical or against the law. We are requesting all our documents from your failed attempts at reaching an agreement. I will consider them theft at this point documents and personal property can not be shredded. XXXX XXXX, ceiling fan remote and XXXX binder rules. They have nothing to do with your attempt to collect a fee for your work. Other investors attempted to help find errors in the documents. No one else held the original documents hostage. We will close the house if the XXXX still agree and move forward with our lives. I am not an investor but I know you have to follow the Hud rules. We will not brrak the law. We will be contacting the FTC to review the entire process to help us determine the proper way to handle this mortage fraud. Now the lender is refusing to close a loan that will be paid in full. The offer is XXXX and my bankruptcy is XXXX. The loan balance is XXXX why is it that the balance of XXXX is being given on a person named XXXX XXXX from XXXX. He has no rights to our equity that we know or have dealt with. It says he works for XXXX homes but he is an attorney with XXXX XXXX and Escrow He is trying to collect our equity. That is untfair and we need immediate help with this mortage fraud scam of stealing our equity. The property is still in our name. I do-not have a 2Nd mortage. The market in our city was good! We sold for a fair price. The issue is the loan does not have a balance in the system. And we still are able to pay the investor or lender in full due to offer. We can not close without someone helping to uncover the fraud. Issue now is these criminals are trying to steal the equity and refuse to allow the lender to release the XXXX. This is unfair and criminal we have the right to sell our home. We filed chapter XXXX to get the help of the courts to watch over the shady dealings. The lender is involved and we are seniors needing help to close this loan fairly. The funds for the sale pay off all creditors and the loan balance. How can anyone stop us from closing on our property! This us more mortage fraud from the same group that did us a disservice with the horrible subprime loan. They are trying to collect what us not theirs. They are running two sets of books within the same company. The original documents have been taken by the investor. All we want is to move on and close this property. Can Specialized Loan Servicing hold up a close and give funds to a 3rd party not tied to our home. We donot have a second nor do we owe any liens not paid. This is clearly the bullying a XXXX senior out of the property. I can not fight a tram of unethical people that committed mortage fraud. I want to sale snd move on out of this house. They are holding up our buyers and refuse a XXXX to close the loan unless we give equity to the 3rd party. Please Help us!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX OWNS SPECIALIZED LOAN SERVICING SENT XX/XX/XXXX % STATEMENT FOR XXXX SAYING THEY PAID {$2000.00} PROPERTY TAX KNOWING IT IS NOT TRUE.THEY HAVE THE LETTER TO CFPB FROM SLS XX/XX/XXXX EXPLAINING THE REFUNDS THEY RECEIVED .THERE IS ANOTHER REFUND FROM XXXX XXXX SENT TO SLS AFTER THEY REQUESTED IT SLS RETURNED BACK TO XXXX XXXX SEE THE LETTERS FROM TAX OFFICE .THEY HAVE SENT IT BACK OUT AGAIN .THE FACT IS THE TAX PAID XXXX XXXXXXXX OFFICE SHOWS IN THE LETTER IS {$1400.00} with refunds of {$700.00} sls admitted to CFPB XXXXThe loan file i have obtained shows a different amount % paid in XXXX AND I STILL DO NOT HAVE XXXX OR XXXX FROM SLS ALONG WITH THE FILE ACCOUNT INFORMATION SHEET JUST SENT SLS ( SAID ESCROW UNAPPLIED FUNDS OR BUYDOWN BALANCE TRANSFER AS A RESULT OF SERVICE RELEASED +REAPPLICATION OF PAYMENTS DUE TO INVESTOR TRANSFER+ CURLTAILMENT OF PRINCIPLE+ MISAPPLIED FUNDS+ REVERSALS + MISCELLANEOUS DIBURSEMENT ESCROW CORRECTION.SO MANY UNAPPLIED FUNDS AND REMARKS THAT SHOW REVERSALS ) AND NO ESCROW AT ALL AS OF XX/XX/XXXX WITH NEW TRANSFER YET THIS NEW LENDER IS STILL TRYING TO CHARGE WHEN THERE IS NO TAX IMPOUNDS AND THERE NEVER WAS WHAT SLS SAID ..I HAVE DETAILED IN THE ATTACHMENT WITH PROOF XXXX XXXX XXXX... ALONG WITH THE CODE THEY HAVE ATTACHED TO THE PROPERTY CALLING IT A CONDO ... .ITS A FOURPLEX CONVENTIONAL LOAN FIXED RATE... THE SLS HAD IT LISTED IN MERS I JUST GOT THAT ... YET XXXX SAID NO GET AHOLD OF SLS ... .I DONT KNOW WHAT THEY HAVE DONE OR IF THERE IS A LENDER MY CLOSING STATEMENT SAYS CONVENTIONAL FIXED RATE 30 YEAR I WAS TOLD A BANK WOULD HAVE THIS LOAN CAUSED CHAOIS MISREPRESENTED WITH A CONTINUED EFFORT TO MISLEAD I CAN NOT KEEP UP WITH THE AMOUNT OF BAD FAITH MISREPRESENATION. SLS SENT BACK THE LA TAX REFUND KNOWING THEY DID NOT PAY WHAT THEY SAID THIS WILL MAKE THE FILE IT ALREADY IS ZERO WITH REFUNDS AND GETTING MONEY FROM ME ALONG WITH MY REFUNDS FROM XXXX XXXX NOW XXXX IS TRYING TO START IT ALL OVER AGAIN ..THIS HAS TO STOP..I HAVE ALL OF THESE REMARKS SENT TO ME THAT I HAVE NEVER BEEN TOLD ABOUT ALTERING THE FIRST TRUST DEED .THIS IS FRAUD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2022-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A