Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Specialized Loan Sevicing ParXXXX of the XXXX XXXX is has committed identity theft and attempting to commit fraud. They are trying to collect on note that has been paid for. They have not verified any proof by sending me a certified accounting/true bill of what they claim they are entitled to. I never subjected myself with a contract with the company. I will be filing a local police report of attempted identity theft and fraud. UCC 1-308 All Rights Reserved, w/o Prejudice.
Company Response:
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized loan servicing bought my 2nd mortgage in XXXX of XXXX. XX/XX/XXXX I made my first payment to them after setting up online account and everything was fine. On XX/XX/XXXX I went online to see what my payment amount was and noticed that there were outstanding fees and charges in the amount of XXXX. I called on that date to report the error and was given a ticket number ofXXXX, and told it would take until XX/XX/XXXX to investigate. I called again on XX/XX/XXXX and was told that they were still looking into the matter and they were expediting the issue. I asked repeatedly to speak with a supervisor as I am scheduled to close on this property in a matter of a few days. That same day I received from them 2 phone calls not from a supervisor. No one has any information. I offered to send my last payment statement from the previous service to show there were no outstanding fees or charges. I am at a loss as to how to handle this. When I call I get nowhere and I am going to have to pay these fees because I am closing in a matter of days. Any help you can give me is greatly appreciated. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33445
Submitted Via: Web
Date Sent: 2022-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX has tried to settle for {$1000.00}. I have the physical checks. There is no Modification that was offered. I pulled every document for SLS and nothing was offered. I am now employed Full Time and unable to pay the {$35000.00} owed. I can provide documentation that no Modification was every offered. My debts are exorbitant. I have XXXX children in elementary school. I have no retirement. It is untrue that a Modification was offered. If it was offered, as I stated, it was never sent to me. As of today, all Collection notes have not been provided. I request for this to be provided to CFPB in order for me to obtain. I continue to be ill. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I needed this in order to get a job, be more marketable. Respond to CFPB where I can send a trial payment of the {$800.00} you had previously claimed to have offered
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33547
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: When Covid hit, my wife and I were both laid off. We signed up for the forbearance program offered by our Mortgage company, Specialized Loan Servicing. We're both full employed now, and have been making regular payments, however, Specialized Loan will not modify our loan. They want {$40000.00} or else they're threatening foreclosure. We clearly don't have {$40000.00} or else we would've made the regular payments all along. Additionally, they marked our credit as delinquent. This caused my credit score to drop XXXX points over night, this 'mark ' prevents me from refinancing. Interestingly, they downgraded my credit a week prior to rejecting our application for assistance. We can easily afford our home of 15 years, and Specialized loan continues to cash our payments. I'm looking for help with this situation, as I'm sure we're not the only people in this predicament. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage with SLS Specialized Loan Servicing # XXXX that was under an 18 month Covid forbearance and once that time period ended I requested a deferral and was under the impression from day one that it was a viable option for me. XXXX basically waited to tell me three weeks into month 19 that it did not qualify for a deferral and that I either had to pay back 18 months in full to keep my perfect credit score rating or request a loan modification and let my mortgage report late for 18 months. I ended up just paying it all back and had to use my retirement savings to do so. Had I know from day one that a deferral option was not available then I would never have agreed to enter into a forbearance. Now I am having to sell the property to get the equity back out of it to replenish my retirement accounts. The way that XXXX handled my case was complete and utter discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I acquired a mortgage from XXXX XXXX XXXX in XXXX of XXXX. I paid my monthly mortgage on time. I paid my XX/XX/XXXX mortgage to XXXX as instructed by my XXXX mortgage statement from XXXX. I had previously gotten a notification from XXXX that they intended to sell the mortgage to another servicer and that the new servicer would contact me with instructions about what to do going forward. XXXX indicated they would not be accepting any additional mortgage payments after XX/XX/XXXX. I started getting debt collection phone calls from an organization called SLS ( Specialized Loan Services, it's parent company is XXXX XXXX XXXX ) early in XXXX. Apparently this is the firm XXXX sold the mortgage portfolio to. I explained to the service representatives that I had made payment to XXXX, as instructed by XXXX. I did not make the payment to SLS because I'd never even heard of them until the 2nd week of XXXX. I'd never received any instructions from them until I asked for them when I had one of their reps on the phone the other day. I've had many calls with reps from SLS, and provided them with a copy of my XXXX mortgage statement from XXXX as well as a portion of a page of my checking account activity that showed the payment to XXXX on XX/XX/XXXX ( I couldn't give them the actual bank statement because it isn't available yet since the month isn't over ). One of the reps suggested I should call XXXX and have them send a notarized statement to SLS proving I paid the mortgage in XXXX. I responded in a fairly impolite way - explaining that it was SLS 's responsibility as the new servicer, NOT mine, to ensure that the accounts they acquired were properly credited. Finally after getting yet another call yesterday I finally lost all patience. The rep, who to her credit, was certainly pleasant enough, explained that they couldn't stop the calls because that's how their system works, but I shouldn't worry because they weren't going to report me the credit bureaus yet. Hey thanks! I read up a bit on Regulation X and the CFPB bulletin relating to the transfer of mortgage account servicing. One particular statement resonated with me. " As consumers do not have a choice with respect to the transfer of servicing, seamless and accurate transfers are important to prevent consumer harm. '' I believe I have been harmed by SLS 's relentless harassment of me. I've spent countless hours on the phone with them, they've essentially threatened me with reporting me as paying late on a mortgage account, and they have refused to acknowledge that I provided them with proof that I'd paid Cardinal. I emailed XXXX XXXX ( XXXX ), XXXX XXXX ( General Counsel ), and XXXX XXXX XXXX XXXX ) of SLS 's parent company, XXXX XXXX XXXX, last evening, explaining my outrage at the complete incompetence their company has shown in acquiring this portfolio of mortgages from XXXX. I've had many, many real estate loans and nearly all of them have been sold off to another servicer. I've NEVER had any issue with a new servicer. The process has always been seamless. They have decided to escalate my complaint to their " XXXX XXXX XXXX '' - whatever the heck that means. I've explained to them that I will not respond to any further calls from them. I expect I will get an email from them tomorrow and maybe they'll get this figured out, but this company is clearly unqualified to be approved to acquire new mortgage portfolios for servicing. I can only imagine that many others are in the same situation as me, but haven't thought to complain to the senior leadership team. SLS, and it's parent company, are completely incompetent. I'm going to do my darndest to refinance this loan so I don't have to deal with this outfit ever again. Absolutely awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: A loan was obtained with XXXX in XXXX, The next year my husband and I divorced. The degree stated we were each responsible for half the loan. I paid my half and it was clear that my ex was not going to pay his half. I continued to pay for as long as I could. In the meantime the loan was sold off to Specialized Loan Servicing. Finally the property was foreclosed on in XXXX. At the time it was discovered that XXXX never recorded it as a second mortgage. The bank took the house and it has been sold off to another party. I notified SLS in XXXX of the foreclosure and that I could not financially take care of the loan. They offered a settlement, which I forwarded to the other party on the loan. It was not settled. I have attempted to contact SLS multiple times and offer to settle this debt. They continue to respond with information on short sale and how to prevent foreclosure. That is long gone. There is no property. I have no assets other than a XXXX XXXX XXXX and a XXXX camper. I am willing to settle this debt with them in the amount of {$3500.00} that was owed at the time I couldn't make the payment anymore. The other party is clearly not going to take responsibility and I want to clear it up. I understand the effect it will have on my credit. The loan is now well over the original amount that was owed with all of their fees and penalties. Again, I have attempted multiple times to contact them and settle this. They have contacted me during the day while I am at work and can not take the call. When I try to call them back I can't get through because they want the mortgage information on a house I haven't owned since XXXX. Can someone please just help me with a debt settlement to take care of this debt. Point me in the right direction to settle this debt. I am willing to settle for an amount less than all these ridiculous fees and penalties. I have paid more than half of the original loan already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 504XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The cause for my complaint is as follows : What started out as trying to work out a repayment plan for XXXX post forbearance on XX/XX/XXXX after 18 years of exceptional payment history per SLS reporting to XXXX. Has now turned into SLS never making any offer for a reasonable repayment plan. And upon my first denial for Loan Assistance given Only two options Short Sale or Deed in Lieu .Then Reporting misleading information to the credit bureaus and destroying my XXXX credit score which I maintained for many years by reporting my account 180 days late resulting in a XXXX point drop. After stringing me along for the past 4 months due to their carelessness and mishandlings of my loan assistance application,. I thought there were supposed to be repayment plans in place to help people coming out of forbearance get caught up and that's what I thought I was applying for. It seems that since I have a Conventional Loan and not a Federally backed loan that the Cares Act doesn't apply to my situation? I have Never been offered any type of repayment plan. Only to give the INVESTOR my home for XXXX owed?. When my forbearance ended I was behind only XXXX an amount of XXXX was due which brought my total amount due to XXXX. I had paid XXXX for XXXX The last payment I made XX/XX/XXXX was for XXXX. That payment sat in suspense till XXXX and XXXX of it still is. As a result of not being eligible for online payments till just recently. I have just been keeping my payments in my bank account and waiting for a reasonable resolution as instructed by my HUD Counselor I took the forbearance plan to protect the loan due to being diagnosed with a very serious XXXX XXXXXXXX discovered by a XXXX culture at the end of XX/XX/XXXX, shortly thereafter Covid19 and the lockdown occurred. As a result I was unable to get any in person medical treatment and I became very sick. Although I'm still sick, I'm starting to get better. I was finally able to get an appointment with an XXXX XXXXXXXX Dr. in XXXX XXXX took my Dr 's office and Insurance company working together to make this happen. XXXX XXXXXXXX Doctors were not seeing patients privately and only working in the hospital treating XXXX patients or getting sick themselves. Prior to my Forbearance ending I was contacted by XXXX XXXXXXXX XXXX Specialized Loan Servicing. She told me that she was handling my case and was my SPOC. She asked what happened to cause my hardship. I explained to her as I explained above not being able to get care. She said that it qualified as a XXXX Hardship. She then instructed me to write a Hardship letter which I did and submitted with my Loan Assistance Application. I immediately started working with a HUD Counselor to guide me through the process .My HUD counselor XXXX XXXX thought I could be offered a lower interest since I'm paying 6 % and extend my loan if needed so I could get back on track. Only to be told by a robo call from SLS on XXXX XXXXXXXX holiday, XX/XX/XXXX by a random person that I must have made a mistake checking XXXX hardship and that I meant I was unemployed. Even after submitting medical evidence documentation on XX/XX/XXXX. On XX/XX/XXXX I was sent a letter to say as of XX/XX/XXXX my application was complete and it could take up to 30 days. Then to be informed of the Denial dated XX/XX/XXXX that what I was sick with didn't qualify in their opinion. I received the Denial news by another robo call by a random person the Wednesday prior to XXXX weekend @ XXXXXXXX XXXX with a repeated phone call Friday @ XXXX XXXX asking what I had decided on Short Sale of Deed in Lieu? . I purchased my home for 160000 in XXXX I put down 48000 and financed 112000 @ 6 % As of XXXX my Outstanding Principal was XXXX which included a XXXX charge for a home Evaluation done on the Wrong Address and Owner. My Loan Assistance Application was then closed for non compliance during the same time I was supposed to be appealing the inaccuracies on it. I don't understand how you could Appeal a closed Application but I have never been in this kind of a situation in 26 years of home ownership. So I believed surely we could work something out to catch up the past due amount of under 2500. Especially considering my home is valued at over 300000. My HUD counselor told me that my situation should give my lender a lot of room to make something affordable for me to get back on track. I am XXXX and on Social Security my intention has always been to get a part time job as soon as I'm well enough to supplement my income. I have been using my emergency savings to get by since becoming sick until I was no longer able to do so. The first 15 years of my Mortgage were serviced by XXXX XXXX and then was turned over to SLS a little over a year before the forbearance Due to my property address never being put in the SLS system correctly caused a lot of this to happen. My mailing address was correct, not the property address. I live @ XXXX XXXX XXXX XXXX and XXXX XXXX XXXX COURT is the address that was used for XXXX XXXX by XXXX. due to an incomplete address XXXX XXXX XXXX that no one caught until I received the report in the mail and alerted SLS After the Wrong Address was used for a Drive-by BPO along with the Wrong Owner and after an Appeal about the mistakes was denied on XXXX XXXX. I was then informed that SLS found it necessary to reassign a new contact. My new contact is the XXXX XXXX Department. It seems I no longer have a SPOC. I received a letter dated XX/XX/XXXX prior to receiving my denial dated XX/XX/XXXX to inform me of this change.. My denial also stated that I had mentioned I had increased my income. That increase took effect XX/XX/XXXX to which I included the SSA statement showing the increase but was told to reapply when the increase took effect which happened the day before the Decision letter. Since the 2nd appeal and SLS being made aware of all the errors made the first time they are now requesting an escrow account which I didn't have for the past 18 years. SLS is also requesting proof that my homeowners XXXX is covered in my HOA payment which it is and has been for quite some time. And is now adding my HOA payment to the mortgage payment to calculate my debt to income ratio. Which they stated made me ineligible for a loan modification I have paid 40 000 of my 112000 owed combined with my down payment, of 48000 I had 88000 invested with 12 years remaining on the loan. SLS put this in my Appeal Denial Delinquent interest and fees totaling {$2200.00} were capitalized for a proposed unpaid principal balance of {$74000.00} this amount is already reported on my credit report. along with some kind of offer To extend my mortgage by 10 years to 480 months. I was told to reapply to see if I qualified for it. plus 15 every month for some inspection. I just received my 1098 Mortgage Interest statement. I calculated a difference of 3031.20 for the Outstanding mortgage principal I don't understand this at all. Where is SLS coming up with these numbers? All this to repay such a minimal amount of money? I would like it explained in my complaint answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased my home in 2006 from XXXX XXXX for {$220000.00} with a co-borrower who is no longer on the deed as we completed a quit claim deed to remove his interest. When XXXX XXXX went out of business, the loan was then transferred and serviced by XXXX XXXX XXXX and the investment group is XXXX XXXX XXXX XXXX XXXXXXXX and SLS is also a Servicer for the same loan. I fell behind on payments and the foreclosure process began, which I have been fighting for almost 10 years now, I went to court on my own behalf for the first few years, then ultimately sought legal advice, but no permanent resolution was found. I have tried to obtain help having an audit performed but have been unsuccessful. It was determined that robo-signing happened during transfers, but nothing changed. My title has changed hands many times and I believe there have been breaks in chain of title throughout the process giving XXXX XXXX XXXX XXXX XXXXXXXX no rights to my property. I filed XXXX XXXX to stop the foreclosure, but that is not a resolution to my ongoing problem/fight. I am now in jeopardy of them proceeding with scheduling a sale date and am seeking help as time is of the essence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX built home. XXXX Applied for heloc Divorced ~ XXXX ex husband ordered to pay Heloc and judge removed me from responsibility. XXXX ex husband committed suicide. Probate lawyer hired. Probate lawyer admitted failure to see heloc balance and it was not paid XXXX life insurance policy ) I was not aware of this debt nor was his heirs. We leaned if it when my home went to Forclosure. XXXX Specialized Loan Services sends agent to photograph my home. I advice I do not have a mortgage. I call XXXX number for info. I advice ex spouse is deceased. They refused to discuss why they were photographing my house. I send death certificate, still will not tell me anything or give me payment info. I sent certified documents. Probate info. Signed documents from executor of estate allowing me to discuss debt. They still do not allow me to have info. XXXX I got served with foreclosure. I was under the impression the heloc was closed at time of divorce. I do not feel my house should have went to foreclosure. Please help me save my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A