Date Received: 2022-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS DID NOT PAY LA TAX WHAT THEY TOLD CFPB OR ME.SEE THE LETTERS FROM LA TAX OFFICE .SLS PAID WHEN TAX WAS PAID EXCEPT {$200.00} THE {$1700.00} SLS CLAIMS PD XX/XX/XXXX WAS {$840.00} XXXX XXXX WAS NOT EVEN DUE YET UNTIL XX/XX/XXXX THEY TOLD CFPB PAID {$750.00} NO NOT TRUE {$550.00} AND SLS RECEIVED BACK REFUNDS LA TAX {$700.00} THEY ADMITTED TO CFPB TOTAL WAS {$1400.00} - {$700.00} REFUNDED FROM LA TAXXXXX PAID {$760.00} XX/XX/XXXX + {$980.00} .+ {$380.00} XX/XX/XXXX + {$980.00} SPECIALIZED LOAN SERVICE REQUESTED LA TAX TO SEND REFUND IN XX/XX/XXXX {$650.00} SEE LETTER LA TAX OFFICE EXPLAINS THEY MAILED IT SLS IN XXXX MAILED IT BACK TO THEM SO TYPICAL OF THE GAMES THEY PLAY.SLS IS GETTING IT MAILED BACK LA TAX SAID TAKES 30 DAYS WITH THE SYSTEM THEY USE,,, $ XXXX ALREADY REFUNDED {$700.00} = {$700.00} I PAID $ XX/XX/XXXX {$760.00} + {$380.00} XX/XX/XXXX + {$150.00} TO PLANET + {$51.00} {$1300.00} I PAID NOW SLS OWES ME........ WITHOUT THE REFUND {$650.00} AND BECAUSE OF THE CHAOS CAUSED BY SLS KNOWING THE LA TAX OFFICE TAKE 90 DAYS WHEN NOT IN COVID... there was not a bill sent to sls ..i have 40 + letters all from the internet customers saying similar i have them stored in my email if requested open to anyone that does searchs ... sls needs to stop playing games... the damage being done to me is becoming very hard to deal with. I have included t letters sent to sls unanswered for help with in myy file hundreds of faxed letters phone records showing being on hold for hours .i have fax back from them wher they cant find file or calling the property still A CONDOMINIUM when the loan says a XXXX plex and the appraisel is a conforming XXXX plex ... they are not answeriing the fact from XXXX to XXXX i have NEVER HAD A YEAR END % STATEMENT.UNTIL CFPB HAD THEM SUPPLY XXXX ... ..STILL NO XXXX STILL NO XXXX WHO KNOW XXXX THEY TRANSFERED THE loan XX/XX/XXXX THEY KNEW BY THE LAST COMPLAINT THE TAX HAD BEEN REFUNDED AND WAS PAID WITH MORE REFUND COMING THWY TOLD CFPB IN XXXX SO WHY THIS WEEK DO I HAVE ANOTHER WRONG TAX YEAR STATEMENT FROM XXXX WHY?? and did not transfer payments ... .sent the fake escrow they said i owed and did nt ... .if you punch the numbers ZERO IS THE ANSWER for what they triied to get by with on the tax cfpb PLEASE PLEASE HELP TO MAKE THEM TAKE THE REFUND FROM LA TAX TO PUT A END TO THIS PART OF MY has to make them accept the tax and forward to Planet Home lending who insist they are not allowed to call sls ... ... ..IT IS BEYOND FRAUD ITS HARRASMENT the new problem is NOW XXXX IN THE XXXX OVER DUE % STATEMENT JUST SENT LAST WEEK IS CLAIMING THEY PAID IN XXXX {$2000.00} IN TAX THAT I HAVE NEVER SEEN ANYTHING ON THIS?????? I WILL NEED TO GO TO JUSTICE DEPT ALSO IF THIS KEEP UP THERE IS AGAIN HOLDS ON MONEY THEY DO NOT EXPLAIN USE CODES THEY DO NOT SUPPLY LA TAX REFUNDED ME ALMOST {$900.00} BECAUSE OF THE INTERFERANCE OF SLS THE other issue i knew was a problem not knowing why this type of lender or loan i had on the property ... i found out jmac lending and loan care were shut down in ca when my loan way being funded.my escrow say conventional fixed rate THIS XXXX THING SAYS MERS I CONTACTED MERS THEY SAID CONTACT SLS I CAN NOT CONTACT THEM ITS A WASTED EFFORT AFTER ALMOST XXXX YEARS I NOW HAVE FOR THE FIRST TIME A % STATEMENT XXXX SAYING {$2000.00} WHERE DO THEY GET THESE NUMBERS? THIS IS DONE WITH MALACE AND INTENT THIS IS NOT A MISTAKE THE WHOLE LOAN IS NOTHING MORE THAN A FRAUD CASH? XXXX XXXX HAS THE LOAN # XXXX same as first bills and XXXX XXXX was supossed to be the lender his pay coupons were to go to him then before the first payment changed XXXX times.. i need SLS TO CORRECT THE WRONG % STATEMENT JUST SENT OUT..THATS WHY THEY WONT ACCEPT THE REFUND???
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: 2022-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Specialized Loan Servicing ( SLS ) is engaged in 1. bad-faith dealing ; 2. making me. a trustee, assume the mortgage loan personally and transfer the deed from the trust to me which is a financial felony ; 3. unfair banking practices. 1. BAD-FAITH DEALING : When I ended the forbearance agreement XXXX, XXXX, the loan was with XXXX XXXX . SLS took over in XXXX, XXXX. In discussions about paying back the forbearance balances, I suggested that they be deferred to the maturity of the loan. SLS granted the request on one loan, but denied it on another. Instead, I was coerced to modify the loan which was to pay interest on interest in exchange for a longer maturity and lower monthly payments. I was sent the modification agreement which I signed and returned on XX/XX/XXXX. It was received by XXXX XXXX. The mortgage on the XXXX XXXX property was then put on trial payment period for three months. SLS set up the automatic draft payments. The trial ended successfully in XXXX, XXXX. In XXXX, instead of getting a permanent modification with payments automatically drafted, I received a call asking me to pay a higher amount, from the trial payments of {$1200.00} to {$1200.00}. No explanation provided. I set up recurring payments for that amount beginning in XXXX. It was returned because I was told the account is in default. SLS required me to mail the payments. I do not understand why SLS is making it extremey difficult to make the payments. It is not sufficiently explained why it would accept mailed payments but not automatic payments by bill pay from my bank. In XXXX, I received a call asking me to personally assume the loan and transfer the deed from the trust to me. I objected because I told them that it would be financial felony. 2. SLS WANTS ME TO COMMIT FINANCIAL FELONY as a condition to modify the loan. I informed SLS that I am only a successor trustee with no beneficiary interest on the property whatsoever. I provided SLS the documents it requested. I was recognized as successor in interest trustee after many months of discussions. As noted before, SLS wanted me to assume the loan personally and transfer the deed to my name. I objected telling them that it would be a financial crime to appropriate an asset that it intented for the sole beneficiary of my sister 's trust ( her one and only child ). Because I objected, SLS is now threatening to foreclose on the property unless I accepted its loan modification terms. 3. SLS is engaged in unfair business practices in violation of RESPA rules. It has already been penalized by CFPB for those violations, but it seems that it is still continuing its practice. For example, even though I have told its debt collectors not to call me after XXXX XXXX, it continued to call me even as late as XXXX XXXX, insisting that it is within its legal right. Another example : it did not notify me that it would be charging late fees and inspection fees. I informed SLS that the property has always had persons present in the property, and is now leased for 2 years. SLS proceeded neverteless with charging inspection fees without notifying me. SLS also is in error in designating me as successor-in-interest trustee even though I informed them that I have no beneficial interest in the property. Initially, SLS wanted me to go to probate court to be designated as executor. I submitted to SLS the trust documents naming me as successor trustee which makes it unnecessary to go to probate court. SLS accepted the trust documents and named me successor-in-interest trustee instead of just successor trustee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2022-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-19
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: This complaint was closed and the errors were not corrected Complaint XXXX SLS continues to ignore the fact that they are reporting a Closed Account as Active which causing me not to qualify for a home loan. Ive been trying so hard with SLS to no avail.. I need the information being reported corrected or deleted. Asap. Calculated using XXXX XXXX Provided by XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Show more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts Here 's every account on your XXXX report. Click on the account name for more details. XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$28000.00} In good standing XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$23000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$69.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$300.00} In good standing XXXX XXXX & Reported : XXXX XXXX, XXXX + {$0.00} In good standing XXXX XXXX Reported : XXXX XXXX, XXXX + {$2300.00} In good standing XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1100.00} In good standing XXXX Reported : XXXX XXXX, XXXX + {$3000.00} In good standing XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$3000.00} In good standing Show closed ( XXXX ) XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX ( REMOVE ) - {$0.00} Closed Overview You have 0 % left to pay on this real estate loan. XXXX {$0.00} XXXX XXXX $ 207000 Monthly payment {$0.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX XXXX Youve made 99 % of payments for this account on time. Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Current Worst Payment Status Current Account Details Account status Closed Type Conventional RE Mortgage Responsibility Individual Account. Remarks Foreclosure Account previously in dispute - Now resolved by data furnisher Times XX/XX/XXXX days late XXXX Closed No Info
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I entered a forbearance plan in XX/XX/XXXX because I my finances were negatively impacted by COVID-19. In XXXX of XXXX my job was terminated, and I was unemployed from XX/XX/XXXX to XX/XX/XXXX. I began working with my current employer on XX/XX/XXXX as a full-time employee, and my annual gross income is {$100000.00}. I have been in contact with my servicer, Specialized Loan Servicing ( SLS ) since XXXX of XXXX. I have submitted multiple mortgage assistance applications to have my loan modified, deferred, or put on a repayment plan. In the applications I submitted in XX/XX/XXXX and XX/XX/XXXX, I included all required paperwork, including pay stubs, tax returns, and bank statements. My monthly mortgage payment is {$1500.00}, the total amount owed is about {$33000.00}, my monthly gross income is {$9000.00}, and my monthly take home pay is about {$6000.00}. I'm also applying for the Virginia Mortgage Assistance fund. So far, SLS has refused to offer an assistance plan that lets me keep my house. They have refused to put the total amount owed in defferment, set up a repayment plan, or modify my loan with a 3 month trial period. I have shown sufficient income to begin making monthly payments, but they are threatening to forclose my house. They also reported my mortgage as deliquent to credit bureau agencies, even though I applied for assistance. I have had multiple SLS representative state that SLS won't move forward if I'm applying for assistance, but they have destroyed my credit score and made it nearly impossible to find financial resources to pay the lump sum owed. Note : I have the names, employee IDs, and date of contact for the SLS representative I talked to. I have also been in contact with a HUD-approved housing counselor.
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: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I reached out to XXXX XXXX XXXX on XX/XX/XXXX to ask about COVID-related mortgage forbearance options. They immediately notified me that they were transferring to another loan servicer effective XX/XX/XXXX. However, I require forbearance starting on XX/XX/XXXX, so they are essentially ensuring that I will be late on my mortgage payment before I can request forbearance. In addition, on my first scheduled closing, the underwriter, based off a visual analysis of the appraiser 's photos, required a {$23000.00} escrow holdback as security for the completion of additional siding and installation of an external staircase. This resulted in a very stressful delay in closing that almost collapsed the deal. However, more importantly, the appraiser herself, in response to the underwriter, stated that there already was siding on the house that was present and that the stair work was not necessary. The underwriter ignored the appraiser and required the holdback anyway. I reached out to the lender to notify them of the fact that siding was already installed and asked if I could instead install an accessibility ramp or external lift, as I am XXXX and occasionally have trouble going up stairs. However, they refused. I believe that they are discriminating against me on the basis of my XXXX.
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: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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. I now got a generic call from them and no resolution still. Account Number Transaction Date Transaction Amount Transaction Type Transaction Description XXXX Friday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX XXXX Wednesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX XXXX Tuesday, XX/XX/2022 XXXX Debit Withdrawal from SLS Mortgage XXXX XXXX XXXX
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: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
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 XXXX, 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 XXXX, 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: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please refer to the documentation that we am uploading in your site. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialised 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: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2022 To who it may concern, I got switched to a new lender in XXXX ( Specialized Loan Servicing ) and called because I had questions regarding my payments since I had auto pay with my last lender ( XXXX ) so I had to get my new account number from Specialized Loan Servicing to make my payment. During that process I called and spoke with them everything was fine, they told me how much I was going to owe every month and what specific day it would be best for me them to take money out since I was enrolling to auto pay with them as well. For the month of XXXX I saw they took out {$3500.00} from my account, I had called and spoke with them once again regarding what was going on and why they were taking so much money out. They started out saying I had late payments, and other fees but they never told me about any late fees or sent any papers regarding late payments or any fees. I spoke with a representative of Specialized Loan Servicing for the XXXX time regarding this situation on XX/XX/2022 who mentioned that it was a misunderstanding and that I should be refunded a total of {$3500.00}, since I do not have any late charges from my previous lender ( XXXX ) statement XXXX. Showing {$590.00} payment from the last month period I had with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60008
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A