Date Received: 2022-01-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see the enclosed email sent to SLS today regarding time usurped due to belief caller from SLS XXXX was from SLS as the phone displayed SLS as the caller. That the Short Sale buyer should NOT BE PENALIZED due to this loss of XXXX business days = XXXX days in full. There was NO WAY to know the XXXX XXXX from SLS XXXX was NOT from SLS XXXX. The timing of the call +emails sent to XXXX marked URGENT URGENT URGENT that went unanswered. I've since been advised that those emails ARE NOT READ? IF the email correspondence is not read with one being unable to get through via PHONE then what is one supposed to do? Had no knowledge until this past week probably Wednesday, that the emails are NOT READ. Where do they go? XXXX XXXX and other necessary identifying information is provided with each email This is STRESSFUL. STRESSFUL STRESSFUL not to mention UNFAIR, UNPROFESIONAL & a WASTE OF TIME. Further over and above the emails to XXXX are NOT READ the preferred mode of communicaiton for SLS as their phone message states is their new and improved www.sls.net for communicationl I'm told this would be flagged for me, however, I am unable to get copies of any correspoindence I tender through that site. What? I've asked XXXX why is there not a cc line so I can cc myself with my language tendered. There is not the ability to to cc myself. And FURTHER there IS NOT THE ABILITY FOR SLS TO PROVIDE ME WITH A COPY OF MY CORRESPONDENCE UNLESS I SEND A LETTER TO A GIVEN ADDRESS? That is an inconvenient along with time delay way to receive my correspondence 1st I must have time to write to them 2nd I must post an envelope 3rd I must hope it gets there 4th I must hope someone reads it 5th I must hope there will be a reply with my correspondence included. This is crazy. Forgive my less than proiessional opinion. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a mortgage that is serviced by Specialized Loan Servicing with the contact information below. This is a conventional loan with XXXX XXXX XXXX ( XXXX XXXX. As of XX/XX/XXXX the XXXX of this account was scheduled to be less than 78 %. The original value of the home was {$520000.00} as seen in XXXX 's records, 78 % of which is {$400000.00}. The principal balance on XX/XX/XXXX was scheduled to be {$400.00}. As required by law XXXX should have automatically removed property mortgage insurance. Specialized loan servicing has disbursed {$150.00} for XXXX in each month since XX/XX/XXXX, including XX/XX/XXXX for a total of {$750.00}. I reached out to the company on XX/XX/XXXX, both through their message center and by fax as instructed. I have yet to receive a substantive response either by phone or by mail on the subject. They disbursed XXXX on XX/XX/XXXX after my inquiry. Specialized Loan Servicing XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-14
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Complaint, XXXX and XXXX against XXXX XXXX and XXXX XXXX bank for illegal seizure of my property and theft of my money. On XX/XX/XXXX XXXX XXXX acting as Trustee for non-existing XXXX XXXX XXXX filed illegal foreclosure case XXXX XXXX XXXX XXXX which resulted in theft of my property and my money as revenue for one of Wall Street Investment Banks who conspired with XXXX XXXX to defraud me and the Court. I want to provide evidence, based on full review of my entire property Title how I was robbed by one of Wall Street Investment Banks, probably XXXX XXXX. Its hard to say since it is a highly covered mafia-style operation supported by Courts who block homeowners attempts to conduct discovery. Based on my review, it was likely XXXX XXXX who initiated the Scheme, but could be XXXX XXXX XXXXXXXX who accrued XXXX. It is possible to find who received XXXX from forced sale of my property to cover for a fake mortgagewhere no one loaned me any money and merely passed information about securization established with a pre-prior owner around XXXX or even earlier.. I created over {$25.00} revenue per {$1.00} loaned by XXXX to the pre-prior owner XXXX XXXX in XXXX which was masqueraded as a loan with XXXX. This original loan was subject to at least six securitization schemes where the original loan was never released. My transaction was 8th round in the scheme. In XXXX information about this loan was passed to XXXX XXXX as a virtual loan from XXXX XXXX, without releasing of any prior debt which I am sure was secretly declared as defaulted. XXXX was investor in the seventh round of securitization. According to XXXX release prepared by XXXX ( who never appeared in the chain of XXXX title ) for XXXX that only Mortgage was released for unknown consideration, but XXXX Note was not released. XXXX received {$100000.00} of information about money from XXXX XXXX dressed as a loan based on XXXX defaulted debt. In XXXX information about this scheme was passed to me masqueraded as loan with XXXX. XXXX XXXX did not receive a cent from this transaction and prepared a Release to XXXX where XXXX released her virtual loan for {$1.00} ( one dollar ) consideration. What happened to my loan with XXXX? Why lender XXXX XXXX agreed to get {$1.00} as consideration for its {$100000.00} loan to XXXX in XXXX? That consideration received by XXXX in XXXX and for whom? XXXX, who was unaware of XXXX XXXX ( or other investment bank ) creative manipulation with securitization schemes behind her back, passed this unmarketable title to XXXX, whom nobody loaned a cent since here was no lender who can receive these money and release this debt. XXXX, without any clue, passed this unmarketable Title to me in XXXX and in XXXX XXXX XXXX who illegally sold my property for {$130000.00} passed it to the new owner who has absolutely no legal rights to this property. As the result, The Chain of Title can not be fixed since all prior debt was never released because here was no creditor. All new recording was forged and falsified. I am definitely going to challenge all decisions in my case since it was based on fraud upon the Court and total lack of any jurisdiction personal or subject matter and demand to return me my property, disgorge ill driven profits and pay me fair compensation for my role as Investor in this scheme. I am entitled under the law to know who received {$130000.00} after forced sale of my property on XX/XX/XXXX ; why XXXX XXXX agreed to release XXXX mortgage and Note for {$1.00} ; where are money allegedly loaned to me. If a foreclosure is not intended to pay a creditor with an unpaid loan account receivable, it isnt a foreclosure and the lawyers and their various clients and participants in foreclosure schemes have no right to the remedy. In nearly all cases that the amount of money paid to a prior lender is entirely or mostly fictional in all cases of refinancing and nearly all cases in purchase money mortgages. As long as the same underlying investment bank is the same for both the Buyer and Seller or the same for both the new Lender and the old lender. But in cases where the Seller gets money ( equity ) at least some money is actually produced for closing. So for example, if the Seller nets {$50000.00} from the closing statement, that is what the Seller receives and the Seller does not care where it came from. If the homeowner receives {$50000.00}, that is what the homeowner receives and the homeowner does not care where it came from because the homeowner does not know that he or she has been surreptitiously recruited into a scam plan for the sale of unregulated securities. So, XXXX received some money after closing probably around {$60000.00} but these money were not coming from my loan with XXXX since XXXX XXXX did not received anything ( {$1.00} ) to release XXXX {$100000.00} mortgage, BUT each new closing produces a brand new securitization chain. In plain language, if the investment bank is selling securities worth {$18.00} for each dollar that is reportedly paid in closings, then each closing represents another {$18.00}. So if you have an alleged purchase money mortgage plus 3 refinancing transactions, the total generated could be as high as {$54.00} for each dollar reported as paid in all the closings. Those reports of payment are also entirely fictional insomuch as they include money that was NOT paid. So a {$200000.00} mortgage represents the base transaction in a {$10.00} million scheme. This is why so many people on Wall Street received bonuses equal to three times their previous annual earnings. It is also how convicted felons who had {$10.00} per hour jobs earned upwards of {$1.00} million per year. It was a heist. Most of that money went to investment banks who then scattered the funds all over the world. They are still sitting on trillions of dollars. If homeowners were only allowed the minimum introductory fee ( common on Wall Street that would mean that the homeowner was entitled to receive a {$200000.00} payment in exchange for issuing virtual notes and virtual mortgages and the homeowners consent to treat them as real. What makes me burn is the idea that the players can get back the money they paid to homeowners without any consideration for their role in an undisclosed transaction that can no longer be unwound. In such instances, it is up to a court to reform the transaction to reflect the economic realities. But NOBODY is doing that. I think there is a strong case for that. The investment banks dont want to do that because they refuse to share with lowly homeowners. And the courts are both brainwashed and somewhat corrupt because they are accepting instructions about mortgage cases. The bottom line is that in most cases, whether the transaction involved a resale of the home or refinancing, only a fraction of the money you thought was transacted was actually present. Its not just that they should have been paid more it is that the homeowner did not receive the money he or she promised to pay back. This fact is part of a pattern of active concealment directed by investment bankers that starts with the initial transaction and continues right up to and including the foreclosure sale and eviction. I issued the note and mortgage for far more than any money paid on my behalf. I didnt owe the money but they got me to promise to pay it anyway. This is a joke and a bonus for investment bankers but it is a loss for me. Each new transaction left the previous one intact and started a new securitization infrastructure. So a home that was subject to an initial securitization claim could end up with as many as 8 securitization infrastructures, all with sales to investors for far more than anything paid to or on behalf of the homeowner. And each securitization infrastructure led to sales of around {$18.00} in securities for {$1.00} of apparent money that was asserted to have been transacted with the homeowner. Do the math. A single transaction falsely labeled as a mortgage loan can produce up to {$96.00} for each dollar originally paid to or on behalf of the homeowner. Dont you think you should have been told about that? It turns out that the question is fully answered in the Federal Truth in Lending Act. And the answer is yes, you should have been told that because the purpose of the Act was to prevent virtual creditors from being substituted for actual creditors who were responsible for compliance with lending laws, rules and regulations. Event table-funded loans were declared against public policy, but this is much worse. It takes an essential component out of the transaction falsely labeled as a loan. If you believe the transaction consisted at least partly of paying off an old lien, then you DO want the outgoing wire transfer or other means of payment. If the prior and new lien were funded by direction from the same investment bank it would be unusual for that portion have to have been sent to the old lender because it is long out of the picture. But it is still common because the investment banks dont want to alert the closing agent that the deal was a scam. So they direct a wire transfer to a certain depository account bearing the name XXXX XXXX or some such thing that is actually controlled by the common underwriting investment bank. So if you ever get those wire transfer receipts, you want to trace down the ownership of the depository account. For example, XXXX XXXX ( or any other investment bank ) can open an account named XXXX. It is still a XXXX XXXX account and they can go out and buy groceries with whatever is in the account. But to the outside world the homeowner and the closing agent they would swear that XXXX was involved. And they would be 100 % wrong. XXXX for its part has no record of the transaction because it was not their money and they take no legal action against the use of their name because they are part of the game. So the bottom line is that there was no payoff of the old lien and no cancellation of the note or underlying obligation asserted by fake representatives of a nonexistent creditor owning a nonexistent loan account receivable. If there was an existing loan account receivable that would make one of those thinly capitalized nonentities the owner of the right, title, and interest to payments, balance, and interest something the investment banks would never permit. I am entitled for disclosures from XXXX XXXX and XXXX XXXX XXXX ; I am entitled to reverse this void decision and enter a new decision in my favor, return me stolen property and disgorge ill-gained profits. I am entitled to receive a fair compensation for my services as Investor in this scheme. Best Regards, XXXX XXXX If Investment Bank behind the scene was XXXX XXXX they made about {$25.00} per $ of EACH securitization ( {$200.00} per {$1.00} ), based on Comptrollers Report. If XXXX - {$16.00} ; if XXXX XXXX it was {$180.00} per {$1.00} in each securitization. Here is the math. 1. My virtual " loan '' with XXXX was $ XXXX 2. Seller XXXX XXXX virtual loan with XXXX XXXX was {$100000.00} 3. XXXX XXXX accepted {$1.00} as consideration for its loan with XXXX 4. XXXX obviously received real money about {$70.00} at the closing. Where $ 70K were coming from? Obviously not from my " loan '' if XXXX " lender '' XXXX received only {$1.00}. The only source of money to pay XXXX $ 70K was XXXX XXXX XXXX XXXX operating pool consisted of Investors money. As soon as I signed my Promissory Note, this $ 70K cost of doing business evaporated from {>= $1,000,000} profits I generated as Investor for {$170000.00} information given to me as a " loan '' plus my payments, plus {$130000.00} proceeds from sales of my property. I only received property keys which were later stolen from me by Judges. Scheme with XXXX resulted in {>= $1,000,000} revenue plus her $ XXXX down payment and about XXXX XXXX in 4 years monthly payment, minus $ 70K as her commission from, minus property taxes and insurances paid by XXXX. So XXXX received maybe $ 10K as Investor for generating {>= $1,000,000} revenue from {$100000.00} virtual loan with XXXX. XXXX, pre-prior owner, had about 6 schemes behind her back, based on {$31000.00} initial commission paid to her as Investor in the scheme, which generated XXXX XXXX x 6 x {$25.00} per {$1.00} in each scheme = {>= $1,000,000}. Total revenue from the Scheme was {>= $1,000,000} minus commission $ 10K to XXXX and about $ XXXX to XXXX. I received nothing except property keys, which was stolen from me by judges to generate XXXX XXXXXXXX additional revenue for XXXX XXXX who was hiding behind fake intermediaries. I am definitely entitled for 5 % finder fee from {>= $1,000,000} profits, which is {$210000.00} plus at least 15 % as Investor for generating this revenue, which would be another {$640000.00}. Total commission due to me is {$860000.00} plus all damages for losses resulted in risks associated with the scheme, loss of property and extreme emotional distress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SLS Mortgage, after 15 years of payments, juxtaposed ( front to back ) request for extended forbearance ( REQUESTED PRIOR ) with request for loan modification AFTER LOAN MODIFICATION WAS APPROVED AND SLS ACCEPTED FIRST OF THREE PAYMENTS AFTER MORTGAGEE ACCEPTED MODIFICATION ( mortgagee was sent paperwork verification of proposal of modification ). After receipt of loan modification proposal, mortgagee sent FIRST PAYMENT ACCORDING TO PROPOSED DEADLINE. SLS counters by FRAUDULENTLY CITING LOAN MODIFICATION REQUESTED PRIOR TO REQUESTED EXTENSION OF FORBEARANCE. SLS MORTGAGE STATES BOTH EXTENSION OF FORBEARANCE AND MORTGAGE LOAN MODIFICATION DENIED. We possess sufficient documentation to the contrary, SENT BY SLS This doesn't even make sense ; SLS up to old TRICKS AGAIN?! XXXX XXXX : XXXX. MORTGAGE HOLDER : XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) listed as property tax payer ( tax payer credit hijacked by SLS MORTGAGE ; Instiuted subsequented in prior loan modification XXXX ( Assumption is, that it gives greater legal foundation to SLS should foreclosure be sought ) Note : XXXX XXXX 100 % XXXXXXXX XXXX XXXX 4x week, 100 % XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XXXX XXXX XXXX Date of foreclosure initiative : XX/XX/XXXX Cited, by SLS representative, XXXX, on XX/XX/XXXX when mortgagee attempted to make SECOND PAYMENT ON APPROVED LOAN MODIFICATION, SLS REPRESENTATIVE STATED THAT NO SUCH MODIFICATION HAD BEEN IN PLACE AND THAT IT WAS DENIED AND FRAUDULENTLY STATES IT WAS AFTER LOAN MODIFICATION WAS DENIED THAT FORBEARANCE WAS REQUESTED, WHICH ALSO WAS DENIED. In truth : FORBEARANCE WAS REQUESTED PRIOR TO REQUESTED LOAN MODIFICATION REPRESENTATIVE failed to cite dates of forbearance request. NOTE : ALL DOCUMENTS REQUESTED BY EMAIL NEVER SENT ALL DOCUMENTS REQUIRED BY MAIL, NEVER RECEIVED. Amount of demand : Between $ XXXX Note : REPRESENTATIVE XXXX STATES IF TOTAL AMOUNT IS PAID by XX/XX/XXXX, XXXX NO MORE PROBLEMS! SLS REPRESENTATIVE XXXX advised PAYMENT and received, {$500.00}, as XXXX was MORTGAGE payment when forbearance began in XX/XX/XXXX. Hinting it MIGHT prevent foreclosure, because of the overage of {$2.00} but she couldn't commit to anything. Stating that the overage would be applied to past due amounts. Call me skeptical, I don't believe it. Mortgagee in XXXX related INTENSIVE CARE soon thereafter, XX/XX/XXXX, already ill when forbearance was approved through AUTOMATED SYSTEM. SLS MAY JUST HAVE NOT UPDATED SUBSEQUENT FORBEARANCE POLICY AND THIS IS A GLITCH. XXXX XXXX DOCUMENTS TO FOLLOW XXXX HOME NUMBER -- Sent from XXXX for XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to starve off foreclosure and i was told in XX/XX/XXXX by the bank SLS a payoff of arrears of {$220000.00}, now i finally got together {$240000.00} together sold a business and i then requested in XXXX the payoff from the bank that was good through XX/XX/XXXX they send me a payoff of {$280000.00} now my mortgage per month is only XXXX per month but the bank increased the payment between XXXX 1 month of {$60000.00} increased and all my taxes were paid nothing outstanding so i questioned the bank and requested them to explain how my mortgage arrears went up {$60000.00} in one month? they have refused to get back to me or my attorney XXXX law handling this. The most my arrears should of went up in one month is {$3200.00} not {$60000.00} ... the bank is stalling because the longer they get back to me the more the mortgage arrears goes up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 103XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I believe that Specialized Loan Servicing LLC used misleading, abusive and harrassing tactics in an attempt to collect more than I owed under my policy. I typically pay {$1700.00} monthly on my mortgage, but they notified me in early XXXX that I owed {$30000.00} by XXXX XXXX due to purported outstanding escrow fees, even though my account was current. I repeatedly tried to point out the error via email and on multiple phone calls with my accountant on the phone with me. But instead of being helpful, customer service representatives yelled at me on the phone and told me that if I didn't pay {$30000.00} by XX/XX/XXXX my account would be in default and my home could be pushed into foreclosure. After many stressful days and sleepless nights, I liquidated my assets and pooled what little I had in my savings account to make the {$30000.00} in payment so that my property and home wouldn't be pushed into foreclosure. I also contested the company 's claims in writing that they were incorrect and bogus, and I complained to the company that they had used harrassing, threatening and what I believe were illegal tactics to try to make me pay far more than I was required to pay monthly under our contract. I made the {$30000.00} payment just before XX/XX/XXXX, but as a result, I have very little left to live on during a pandemic and uncertain times. The company eventually sent me a letter dated XX/XX/XXXX that they had indeed made an error and I owed nothing more than the {$1700.00} monthly mortgage payment, but it's too little, too late, and I want my money back so that I can be able to financially withstand the economic uncertainty caused by the pandemic. I also believe the company 's actions violate multiple provisions of the Fair Debt Collection Practices Act, and I'm entitled to recover the maximum statutory fine under it. As evidence, I've attached the XXXX XXXX letter ( titled " letter '' ) that I received from the company admitting their mistake in calculating alleged outstanding escrow fees. I also attached two notices ( titled " overdue1 '' and " overdue2 '' ) that I received prior to XX/XX/XXXX from the company claiming I owed the company escrow payments. I also attached a document ( titled " amount owed '' ) from the company, which claimed that I owed roughly {$30000.00} by XX/XX/XXXX, and a letter I sent the company ( titled " protest '' ) informing them that an error had been made and requesting all and any information related to my account. Additionally, I attached two XX/XX/XXXX documents from the company ( titled " statement1 '' and " statement2 '' ) that indicates the amounts I paid on the loan and the dates the payments were made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: paid off home equity line of credit on XX/XX/XXXX the company Specialized Loan Servicing still has not filed a lien release with XXXX XXXX in Pennsylvania. I have made several phone calls, emailed and they just have failed to follow thru and get the lien released filed with XXXX XXXX. I filed a complaint withXXXX CFPB on XX/XX/XXXX complaint # XXXX Specialized Loan Servicing has responded to that complaint and acknowledge that the loan was paid in full on XX/XX/XXXX. In their response they attached a copy of the Satisfaction of Mortgage that was dated XX/XX/XXXX. However as of Friday XX/XX/XXXX The Lien Release had not be received in XXXX XXXX Pa. In Specialized Loan Servicing letter dated XX/XX/XXXX they reference a number to call of XXXX XXXX XXXX XXXX when I called that number I was redirected to another number at Customer Care XXXX XXXX XXXX when I spoke to the Customer Care they could not assist me as they did not know why the Lien Release had not been filed with the XXXX XXXX Pa They told me to call back in 3 to 4 days. I have gotten nowhere with getting this company to file the Lien Release with XXXX XXXX Please help.
Company Response:
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made additional payments to the principal amount and the Specialized Loan Servicing, based in Colorado, is refusing to apply the additional payments correctly. I have faxed my bank statements as required by SLS, but they have not only refused to correct the principal balance, but have not applied {$5000.00} in payments to the loan. Specialized Loan Servicing also will not send a payment history and the website for SLS does not allow the payment history to be printed from the website. My loan readjusts to a new interest rate in XXXX so it is critical that the loan principal balance be accurate prior to the interest rate adjustment so the new payment can be calculated correctly. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 949XX
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern On XX/XX/XXXX, XXXX XXXX was authorized by XXXX XXXX to speak to XXXX concerning their in-house loan modification we signed and mailed with corrections. XXXX said that they can not accept the modification we signed but we can submit settlement agreements with the payoff quote on the first mortgage and they will consider it and get back to us. She gave us the email to submit all the required docs. We ordered the payoff on the 1st mortgage and received it in a few days. We submit the settlement offer on XX/XX/XXXX. On XX/XX/XXXX, after we did not hear from SLS/XXXX, XXXX XXXX called and spoke to XXXX, as she was just discovering the email with our offer of {$150000.00}. Without even considering sending our offer settlement to the investor, she immediately said that this offer is not acceptable. Both my husband and I were very disappointed and shock by her irrational and emotional response. We felt like we were dealing with someone with multi-personality. She reprehended us for filing complaints with CFPB. It appears that she was punishing us for filings these complaints to the CFPB or the XXXX and continues to insult us because we turn to these agencies for help with SLS misconduct and unprofessional behavior. She refused to give us any written docs based on the denial of the offers submitted. Exactly, as she previous done with settlement offers provided by authority or representatives including HUD modification ( XXXX ) that was submitted on XX/XX/XXXXXXXX SLS/ XXXX XXXX bluntly, rejected the HUD modification, but she previously told me to go to HUD if I want to get a Modification. After I spent a whole week to get all the documents required by XXXX/HUD XXXX XXXX rejected HUD, claiming the investor will only do the in-house modification. SHE LIED TO ME and refused to give me a written document denying the loan mod from HUD. XXXX XXXX, another representative who had submitted many settlements offers throughout the years, of which she again rejected and again refused to give us any written documents concerning her decision. I finally, requested the contact info of the investor. Again XXXX was misleading. As she sent incorrect contact info ( wrong address ) claiming the investor address is NY instead of FL ( see attachment ) XXXX miss represented the investor. XXXX, also miss represent me by reporting the incorrect credit score of XXXX when its actually XXXX All her rejections of our offer settlement are done by phone call only, as she refused to give us anything in writing. XXXX treated me, my husband, the HUD representative, and XXXX XXXX very poorly. As they both said she was very abrasive, rude, harsh, and unprofessional. Previously, I have filed a complaint to the CFPB about her abrasive behavior towards ME, which has affected my XXXX XXXX, and requested a new point of contact. SLS replied stated that SLS has appointed a new point of contact to my account. BUT SLS LIED AGAIN, AS XXXX CONTINUES TO BE MY POINT OF CONTACT. THIS MISLEADING AND DECEITFUL BEHAVIOR OF SLS and XXXX MUST STOP. PLEASE HELP US, from being abused by SLS and Miss XXXX. SLS rejected all our loan mod and settlement offers by phone and refused to give us all the recorded conversations dated all the way back to XXXX when the loan from XXXX SLS/ XXXX refused to communicate by email or in writing on all offers submitted. As she rejected our offers repeatedly and verbally abused and accused me of not making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This company SPECIALIZED LOAN SERVICING HOME LOAN is currently showing 30 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. SPECIALIZED LOAN SERVICING HOME LOAN XXXX Opened : XXXX Balance {$13000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A