Date Received: 2021-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is in regard to SLS/XXXX now the servicing company for XXXX. FYI Prior when the INTENTIONAL FRAUDULENT FORECLOSURE was filed the Plaintiff was XXXX, however, it was XXXX, XXXX XXXX, XXXX. When the papers were dropped at my front door, the Plaintiff read " XXXX '' which was confusing to me as I was under the impression it was XXXX XXXX. Nevertheless, for the 'history ' of this ongoing INJUSTICE, there is on file with CFPB and SLS the Affidavit of XXXX XXXX attesting to the FRAUD via XXXX XXXX to miss 3 payment then we will modify... which did NOT happen. XXXX FORECLOSED . CURRENTLY Please see email enclosed from SLS. with higlighted areas of complaint and interest. You will see the email was sent ONLY to my Realtor, XXXX XXXX, XXXX, I had requested that I, as Seller, be cc 'd on all emails.. This particular email instruccts " to reach out to your SPOC agent '' 1st of all, WHAT is SPOC? I called and spoke with XXXX yesterday inquiring of the email, reiterating that I requeted to be cc 'd on all emails to the Realtor, XXXX XXXX, along with 'what ' is SLS requesting and WHO is XXXX XXXX XXXX 1 ) SPOC= Single Point Of Contact. Who would knwo that as a XXXX PERSON? Goodness! Further, it is truly unbelievable to mention SPOC as each and every time I've been given a name as the contact person for me, they are unavailable, as with XXXX, who was NEVER available, NEVER returned a call when pressing the prompt for a call back as well as other agent as the SPOC ( albeit that was NOT what was mentioned ) simply the agent assigned or some such language ... NEVER SPOC! As well, when XXXX was the contact, he was condescending in his manner, asking? 's that were not necessary and simply awful. Other assigned agents were not available, either. XXXX has been available on the last 2 calls. XXXX is decent and addresses business without disdain... yet, he has only been available the past 2 calls. Prior 3 calls in one day without contact or return calls. 2 ) XXXX was making note to cc me, XXXX, XXXX on all emails, again. 3 ) SLS is requesting a letter from me relinquishing the insurance funds being held in the amount of ( according to XXXX ) XXXX ) yet when I spoke with the SLS Insurance Dept on XXXX XXXX, I was told the insurance amount on deposit iw {$57000.00}. ( I do not recall the exact dollar amount BUT am certain of the $ 57K+ ) My question for XXXX is why would I send a letter relinquishing $ 61K= when YOUR Insurance Dept quoted me $ 57K+? XXXX stated he is Loss Mitigation not Insurance., Please check with your insurance dept. I do not want to face liability for the difference between $ 61K & $ 57K. Further, the Insurance Dept agent made it clear THAT THE INSURANCE FUNDS ON DEPOSIT WOULD NEVER BE RELEASED TO ME AS THEY ARE BEING KEPT AS DELINQUENCY?!! 4 ) Who is XXXX XXXX? He is also with Loss Mitigation I was told. Please look, further at the included 'documents ' ... what appears on paper herewith is NOT as is when going through this Short Sale process. Buyer " Proof of Funds & Articles of INC '' both state NOT REQUIRED. That is not true. We have had to provide Proof of Funds which SLS has held with total inconsideration of the prospective BUYER FUNDS being held without answering. OTHER MSSING Please provide letter from borrower forfeiting loss draft funds. AGAIN, as there is definitely a discrepency as to the total amount fo funds being held as well as why is the LETTER necessary when the insurance dept MADE IT CLEAR THE FUNDS WOULD REMAIN WITH SLS/XXXX DUE TO THE DELINQUENCY. FURTHER, THIS IS AN INTENTIONAL FRAUDULENT FORECLOSURE .... how does one fight this INUUSTICE? Please forgive my delay in sending the next complaint as I have had XXXX XXXX procedures within the past I bleieve, 6 weeks, which have kept me exhausted. Please see ENCLOSURE regarding the above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Complaint against XXXX XXXX XXXX XXXX for XXXX XXXX XXXX for unlawful seizure ( theft ) of my property and XXXX XXXX as the Master Servicer and Depositor. Demand to produce copy of the general Ledger for the account receivable owned by my creditor for my property located at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, IL XXXX and sold for {$130000.00} on XX/XX/XXXX. MLS # XXXX ; and proof of receipt and distribution of funds after sale, such as copies of wire transfer receipts after the sale {$130000.00} ; proof of deposit these money on general ledger of the Creditor who owns and maintains this account receivable ; proof of distribution of these funds to Investors who have legal rights to collect these payments ( in other words, who paid value for my alleged loan. Please identify who was my creditor who was entitled for relief and how this Creditor obtained rights to collect from me ( paid value for my alleged loan, as required under UCC Art XXXX/XXXX. Please state the full list of investors who received money from {$130000.00} foreclosure sale of my property proceeds and provide me a release of lien from each Investor with proof that the payment was made from these proceeds. Please explain why XXXX XXXX never provided me any receipts or releases of lien, accompanies by a copy of its Accounting Ledger where my loan was written off as " paid '' These records must be kept permanently on books and ledgers of XXXX XXXX XXXX XXXX who is the responsible party for all XXXX XXXX financial affairs. If no such ledger is kept and maintained on anyone 's accounting books and records, please explain why no such accounting records were created. Statement of Fact. On XX/XX/XXXX I executed a Note and Mortgage for XXXX Investment and Loan, who pretended to be a " Lender ''. As I recently learned, I became a victim of mass securitization fraud where I " inhereted '' information about securitization scheme initiated with the prior owner by one of Big Investment Banks. XXXX was merely an aggregator of my information which XXXX passed to likely XXXX XXXX to use in the next level of securitization which XXXX XXXX XXXX about {$180.00} per {$1.00} of information dressed as a " loan '' which XXXX passed to me via XXXX. On XX/XX/XXXX someone acting as " XXXX XXXX XXXX lawyers '' ( XXXX ) filed a fraudulent complaint per instructions from some third -parties ( likley Lenders Processing Services ) who most likely furnished this " Complaint '' to be filed. Complaint lacked any evidence except standing alone stamped signature of " XXXX XXXX '' who was defunct Vice President since XXXX. Complaint lacked any references to my alleged Creditor and did not contained any accounting records. Yet, XXXX XXXX XXXX XXXX managed to obtain favorable but void verdict and sold my property via realtor XXXX XXXX who did not know who is his client because he received al insturcitons via someone's website ( XXXX XXXX 's XXXX XXXX now XXXX XXXX XXXX XXXX XXXX I was never provided any copies of any financial records, particularly a copy of general ledger for the account receivable for my alleged " loan '' neither during this foreclosure or after it. I was never provided any releases of my alleged " lien '' or proof of payments to investors after the sale. Instead, I became a victim of a new illegal collection by Specialized Loan Servicing LLC who started demanded from me money four months after my property was sold by XXXX XXXX XXXX XXXX. I have reason to believe that nobody loaned me any money and all proceeds from sale of my property went to XXXX XXXX as additional revenue on top of pornographic profits XXXX receive by trading my securitized identity on the open markets, plus profits from credit default swaps. This is why it is essential for XXXXXXXX XXXX XXXX XXXX to provide me copies of General Lender for loan account receivable for my property where XXXX XXXX deposited {$130000.00} proceeds from forced sale of my property on or about XX/XX/XXXX. As well as the Affidavit from XXXX XXXX and its authorized officer, in the following format, to verify XXXX authority to sell my property to third party and receive {$130000.00} for it. " XXXX has a loan account receivable arising from her transaction on the XXXX day of _, XXXX. XXXX [ identify the Creditor ] has all rights, title and interest to the underlying obligation, the legal debt. By law XXXX owes XXXX that money. We have been hired/ appointed to serve the interests of XXXX and empowered by XXXX to administer, collect and enforce the right to collect payments of interest and principal as provided by XXXX 's note and the recorded Mortgage. A copy of that authorization, signed by an authorized officer of XXXX is attached. Attached is a copy of the XXXX ledger on which XXXX loan account appears showing the balance, payments and disbursements from inception to the present. Attached is her recorded Mortgage and Note with her promise to pay us. Name of signor, position with the XXXX XXXX, and full contact information - office address, phone & fax number, email ''
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: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We recently had a XXXX XXXXXXXX Bankruptcy discharged in XXXX of 2021. Specialized Loan Servicing ( SLS ) is our mortgage lender since they bought our loan from XXXX XXXX over six years ago. We have always paid the mortgage on time. SLS claims our XXXX and XXXX payments for 2021 were late but that was not the case. SLS posted the payments incorrectly and we did not become aware of the problem until we received a XXXX Statement showing that we owed more and claiming that we owed a past due amount. We tried contacting them through phone calls and letters but SLS is still making the same claim. We provided bank statements showing that all payments had been made on time for the past two years but SLS is still refusing to update their records and remove the late reports from the credit bureaus. We have tried complaints to the XXXX, SLS still claims we were late two months. We have tried the credit bureaus and received the same results and no changes to our credit report. We have been denied a cash out/refinance because of this. Even though the lender can see the error made by SLS via our documentation we forwarded, the lender states that they have to adhere to the government guidelines and denied us the loan because of the two late payments but they did empathize with our situation. We now have to wait four more months until a solid year of no missed payments shows on our credit. We are being penalized for SLS error with our mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85335
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The lender incorrectly has some of my charges and payments tagged as late. All my payments with the lender have been paid on time. I have asked the lender to correct this and have all charges and payment history marked as current in all places : including but not limited to lenders systems, statements posted for my download on lenders portal accessible by me, and all credit reports. This is not yet done.
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: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I AM APPEALING ALL OF THESE ACTIONS AND BY THE RULES, I WILL NOT BE ABLE TO GIVE ANY ANSWER TO THEIR FILING. IF MY APPEAL IS REFUSED THEN WE WILL LOOSE OUR HOME. EVICTION OF THE XXXX XXXX IS AS FAR AS I HAVE READ AN ILLEGAL AND IMMORAL ACT THAT SHOULD BE ORDERED BY THE COURT AS NO CONTEST AND THE SUIT BE DROPPED. ANY HELP THAT CFPB CAN HELP US WITH WOULD BE OF GREAT APPRECIATION AND BASICALLY SVING OUR HOME AND OUR LIIVES. PLEASE CONTACT ME ASAP AND LET US KNOW IF WE HAVE A CHANCE OF STAING IN OUR HOME TO SHOW THESE MORTGAGE BUTCHERS THE RIGHT TO DO BUSINESS. AND THAT AN OLD COUNTRY BOY AND HIS WIFE AINT GON NA GIVE UP SO EASILY, BECAUSE MY XXXX GRADE MATH SKILLS BEATS OUT THEIR XXXX GRADE MATH IN THIS XXXX SINCERELY,. XXXX AND XXXX XXXX CELL PHONE XXXX HOME XXXX XXXX OTHER CELL PHONE XXXX PS,, THE FIRSTCOMPLAINT GIVEN TO THEM OF THEIR MISTAKE AND DEFAULT WAS TOTALLY IGNORE BY THEM ONCE THE CFPB HAD CONTACTED THEM. PLEASE DO SO AGAIN AND SEE IF THEY CAN DO THE RIGHT THING AND STOP THE CONTINUE OF THIS FORECLOSURE AND GIVE UP THE DEED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a mortgage from XXXX XXXX in the amount of XXXX on a propert valued at XXXX which was appraised by XXXX knows properties, an affiliate of XXXX XXXX, in XXXX of 2020. It was then transfer to specialized Loan Servicing. I contacted specialized Loan Servicing to find out why I was being charged pmi when my loan to value was only 35 %. They told me they would send me a letter that would explain the pmi and how to remove it and it would take about a month to receive. I never received the letter so I called them back after about 3 months. They proceeded to tell me that the reason they denied the removal of the pmi was that my loan to value was 92 % even though according to their own appraisal it was much lower than that. I asked the person how to fix it and he said he would send me a letter explaining how to get the PMI removed which of course will never get sent out or will be denied just like the last time they supposedly sent out a letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2021-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My Mortgage company ( SLS ) Specialized Loan Services incorrectly reported to the credit bureaus that I was late on my payments 8 times in a row ( @ XXXX to XX/XX/XXXX ). this is not the case. I called on at least 10 occasions from XXXX to XXXX of XXXX. I was then told to write a letter, which I did, and they did move forward to remove the false reporting from 2 credit agencies but they will not remove the false reporting from XXXX. I have been unable to move forward with refinancing another home because of this and the time for me to do so is dwindling down. I have called an additional 10 times and although they acknowledge that all of my calls and my issue is documented, they refuse to move forward with resolving this issue by contacting XXXX to remove this false report with no explanation as to why they are disadvantaging me in this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing, LLC ( XXXX ) started servicing my mortgage loan on XX/XX/2021. I made a mortgage payment ( due on XX/XX/2021 ) to my previous loan provider ( XXXX XXXX aka The XXXX XXXX ) on XX/XX/2021. However, this payment has not been applied to my account with SLS. I provided the mortgage statement that shows the proof of payment to XXXX. XXXX has not updated my account or provided any information on when or if errors will be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2021-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX we got a predatory HELOC loan for XXXX XXXX dollars from XXXX, we have since learned that the gentleman who created this loan has a reputation for being unscrupulous. At the time this loan was approved, we didn't qualify for a fully adjustable rate for this loan. This loan was then sold to XXXX XXXX XXXX, then to XXXX, and now is owned by XXXXXXXX XXXX XXXXXXXX XXXX solely as a legal trustee for XXXX XXXX XXXX XXXX1. This loan is being serviced by Specialized Loan Servicing ( SLS ) who handled all of XXXX loans. When the Covid pandemic hit, we filed for forbearance with SLS ( XXXX of XXXX. ) We filed a mortgage assistance application for Specialized Loan Servicing on the recommendation of SLS representatives in XX/XX/XXXX. It has now been 21 months and pandemic be XXXX, we are being charged an average of $ XXXX for the last 21 months. In our view, this is clearly a predatory maneuver on the part of SLS. Their position for the last three months has been " we have not received documents of information not in your control that we require to determine which loss mitigation options, if any, will be offered on behalf of the owner or assignee of the mortgage. We have requested such documents and/or information and will complete the evaluation for all available loss mitigation options promptly upon receiving the documents or information. '' Interest is accrued on top of interest due as a penalty. We are not able to refinance until we pay taxes this year, due to the financial troubles caused by the pandemic and we believe we shouldn't be paying or charged interest on top of interest. SLS is currently giving us a statement saying our past due amount ( due to pandemic forbearance ) is {$110000.00}, Total amount due is {$120000.00} our Credit Line is $ XXXX, and our New Balance is {$620000.00} They are charging approximately {$2000.00} of interest variably per month. We would appreciate any help, advice, or suggestions on how to resolve this situation. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2021-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have written about this before but it is so important that it must be mentioned again. Specialized Loan Servicing/S is representing XXXX XXXX XXXXXXXX XXXX XXXX XXXX They are trying to force me to pay almost {$25000.00} for a 2nd loan balance of {$10000.00}. First I want to discuss the validity of their claim to the loan. S/XXXX said they aquired the loan from XXXX in XXXX, MI in XX/XX/XXXX but this can not be correct. I was paying XXXX XXXX XXXX XXXX XXXX, TX both before and after XX/XX/XXXX. SXXXX started sending me statements after XXXX XXXX went out of business in XXXX. Why is that? Could it be that they were taking unfair advantage of the situation. SXXXX filed a lien against my family home in XXXX. If they really owned the note, why did they wait so long ( after not receiving a single payment ) to put a lien against the house? I think they were making sure " the coast was clear. '' In regards to the {$10000.00}, my transaction history shows the balance was modified into the 1st loan. SXXXX has stated that the amount that was modifed was fo {$4200.00} interest, {$3400.00} escrow and {$2200.00} in fees but that is not true. There's not even a fee for XXXX, and the {$3400.00} is not a ( - ) like the {$4200.00}. Futhermore, my transation history proves what I am saying is correct. The 2nd loan was modified into the 1st loan : {$10000.00} Principal Paid XX/XX/XXXX and {$710.00} Escrow Paid XX/XX/XXXX ( {$10000.00} total ). I am sharing this information to try and help myself and others. These companies should not be allowed to get away with treating people like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A