Date Received: 2021-11-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is against SLS mortgage services. I have been trying to get my PMI removed since XXXX 2021. I inquired about it getting removed because my house has now appreciated where my house has at least 20 % equity. The servicer referred my account to a mortgage company that called several times to try and get me to refinance. I told them I was not interested in refinancing but removing PMI. SLS finally agreed to get an appraisal done in XXXX. The appraiser came to the house and appraised it. I followed up for status and Sls has no record of an appraisal but one was completed. This somehow meant I needed to get another one according to them. I refused becausw I didn't want to pay for a second appraisal.This is cost me several months of PMI. Please help me. I have written XXXX All I want is the mi removed because I qualify and with housing prices where they are there is enough equity to drop the MI.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2021-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I closed my loan with XXXX XXXX back in XX/XX/2021. When we close the monthly payment was {$1500.00} and that was what I was paying for the 1st couples months directly to XXXX. Then this month I received a letter from SPECIALIZED LOAN SERVICING LLC stating my account has been transferred to their company and my new monthly payment is {$1800.00} which is very different to what I just paid last month. So I contacted the new servicer to dispute that new monthly payments as well as asked for clarification. My PI is about {$1400.00} so for some reasons the monthly escrow amount changed during the transfer period. However my insurance and taxes did not change. so I have asked the first agent with who I spoke to help me understand why this big change in payment. She agreed that the numbers did not match and she was going to investigate and call me back, which she never did. On the other hand, I have already made the regular {$1500.00} payment for XXXX directly to the previous servicer and I mentioned that to the lady with who I spoke on the phone when I first called Specialized. She told me not to worry and the previous servicer should be sending the payment to them. However, I have been getting multiples annoying calls from Specialized about my account being late when indeed it is not. This has became harrassing to have agent calling you almost every single day when nobody is actually trying to figure out the real issue. The escrow amount needs to be adjusted to reflect correct numbers. My insurance is about XXXX XXXXmonth and the taxes are around XXXX XXXX/month. I have attached both documents for proof. This is not my first issue with this servicer. They have the worst customer service, are horrible at fixing issues or returning emails. I filled a complaint last year for another account that they are also servicing which has never been reported to the credit bureaus ( LOAN # XXXX ). From the company previous response I was told this account was going to be reported on all 3 bureaus but it has now been 2 years I have owned this account and it has still not been reported to any of the bureaus. This is unprofessional and unfair. This servicer needs to be investigate as the way their are doing business is unfair and maybe illegal as their are not following the rules.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 800XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my home in XXXX with XXXX XXXX XXXX. On XX/XX/XXXX, I submitted a payment to XXXX XXXX XXXX in the amount of {$620.00}. On XX/XX/XXXX, my loan was sold by XXXX XXXX XXXX to Specialized Loan Servicing. Since that date, I have made the following payments : XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} XX/XX/XXXX : {$620.00} Since my loan transferred, I have never been credited with the initial {$620.00} payment on XX/XX/XXXX despite forwarding proof of payment and information from XXXX XXXX XXXX on when the payment was forwarded, the amount and who signed for it. I have made well over 20 calls to SLS since XX/XX/XXXX trying to get help in solving this issue. Now 41 days later it still has not been solved despite providing irrefutable evidence that the payment happened and was forwarded to them and signed for by an employee named " XXXX ''. I NEED HELP...... PLEASE! I am beyond myself that this has not been resolved and that the desire to solve it is not there on their end. The resolution that I am seeking is to have the amount credited. I would love to see them sell my loan, but would settle for the credit to my account. Please help and investigate this company. Their ratings on the XXXX website and XXXX are awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50315
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This HELOC loan which was the obligation of my ex-husband XXXX XXXX XXXX XXXX was discharged in his Bankruptcy dated XX/XX/XXXX. The original servicer was XXXX XXXX XXXX who then sold it to XXXX, assignment to XXXX on XX/XX/XXXX and then from XXXX to XXXX XXXX XXXX XXXX and then finally SLS. The HELOC was taken out by ex-husband XXXX XXXX XXXX XXXX only on XX/XX/XXXX, date of marital separation was XX/XX/XXXX, XXXX petitioned for Bankruptcy XX/XX/XXXX, Dissolution of marriage was finalized XX/XX/XXXX. Property was awarded to XXXX XXXX and XXXX was ordered to cooperate with a Loan Modification and to vacate the property by XX/XX/XXXX. I have been back and living in my residence since XX/XX/XXXX and current on my mortgage after XXXX Quit Claimed the home back to me. I was unaware of the lien on the property until SLS sent correspondence dated XX/XX/XXXX and XX/XX/XXXX with a pay off balance in the amount of {$220.00} XXXX and change. I am asking for the release of attached lien as I am not responsible for the HELOC and it was discharged in Bankruptcy in XXXX. ( BANKRUPTCY NO. XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my Mortgage with XXXX XXXX XXXXXXXX. After close I was notified that the loan servicer would be XXXX XXXX XXXX ( XXXX ) and my first payment should be made with them on XX/XX/21. On XX/XX/21 I made a payment of {$1400.00}. I then received a notice that the servicing of my loan would be taken over by Specialized Loan Servicing ( https : //www.sls.net ) starting on XX/XX/21. SLS is now calling me asking me why I have not made my XX/XX/21 payment. I have created an account with SLS on their website and it does not reflect the XX/XX/21 payment I have made through my original servicer ( XXXX XXXX XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15217
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Mortgage company has failed to make the tax payment for the year and we are getting late notices from the county with interest. We have reached out to the company a few times and they have not fixed the issue. They bought our mortgage a few months ago and have been extremely difficult to deal with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing is still reporting incorrect information on my credit report & I'm trying to refinance at a lower rate & because I have disputed the incorrect information, there is a problem & I will not remove the dispute & may lose the financing. What is strange is that right at the time I applied, XXXX contacted me to refinance with them. They are insane. Below is the correct information : I have a letter from SLS showing they were paid off XX/XX/2021, YET THEY REPORTED ME 30 DAYS LATE!!!!! The XX/XX/2021 payment was made XX/XX/2021, check # XXXX sent via usps Priority Mail, # XXXX XXXX XXXX XXXX XXXX XXXX & I have their receipt via email ; YET THEY REPORTED ME 30 DAYS LATE!!!!! I have not attached them because my husband died & I'm not digging out their information again. THEY NEED TO FURNISH THE INFORMATION. The burden should be on them for THEIR ERRORS OR DELIBERATE MISREPRESENTATIONS!
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: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX Customer Care Department XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX To whom it may concern : XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to Specialized Loan Servicing through the bill payment service of my bank XXXX XXXX XXXX XXXX. XX/XX/2021 I was notified in writing that the servicing of my mortgage would change from Specialized Loan Servicing to XXXX XXXX XXXX effective XX/XX/2021. XX/XX/2021 my monthly mortgage payment of {$4800.00} for XX/XX/2021 was paid to XXXX XXXX XXXX through the bill payment service of my bank XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX on XX/XX/2021 to verify that they would pay my real estate taxes from my escrow account. I was told that the taxes would be paid. XX/XX/2021 I received a letter from XXXX XXXX XXXX stating that my mortgage was one month past due, and threatening to impugn my credit rating. I contacted XXXX XXXX XXXX again the week of XX/XX/2021 to try and resolve the claim that I was delinquent. I spoke to XXXX XXXX, she wouldnt give her full name to me, and I told her that I was not past due, and I had proof the bill was paid. I sent XXXX my bank statement that shows both the XXXX payment to Specialized and the XXXX payment to XXXX XXXX XXXX being made. XXXX promised to get back to me, but as of this letters writing she has not contacted me. On XX/XX/2021 I received another letter from XXXX XXXX XXXX, dated XX/XX/2021 again accusing me of being delinquent and stating that I had to dispute the validity of this debt against my property or it would be considered valid in 30 days. I officially notified both Specialized Loan Servicing and XXXX XXXX XXXX that I dispute the debt and again explaining that sequence of events, and that I had sent them proof of payment. I did this via registered mail, return receipt requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, XXXX XXXX XXXX XXXX ( XXXX ) purported to assign the Deed of Trust to the Secretary of the Department of Housing and Urban Development ( HUD ). The note, however, was never delivered. HUD 's servicing company XXXX XXXX XXXX XXXX stated in a XXXX letter, that it never received the original note from XXXX, and the record shows there is no Lost Note affidavit from XXXX XXXX XXXX XXXX to HUD, nor from HUD in its putative assignment to XXXX XXXX XXXX XXXX ( XXXX ). Specialized Loan Servicing, LLC has admitted that the note is lost. Actual assignment requires delivery of the note, or else a Lost Note affidavit. As there is no Lost Note affidavit of record from XXXX to HUD or from HUD to XXXX, then clearly, there was no assignment of the note in either case. Specialized Loan Servicing, LLC has repeatedly attempted to foreclose without the note, without a chain of title, and without any basis whatsoever. In XXXX I sent Specialized Loan Servicing, LLC four Notices to prove-up its right to enforce the instrument pursuant to Maryland Code Commercial Law 3-309 ( a ) A person not in possession of an instrument is entitled to enforce the instrument if ( i ) the person was in possession of the instrument and entitled to enforce it when loss of possession occured or, has directly or indirectly acquired ownership of the instrument from a person who was entitled to enforce the instrument when loss of possession occurred. And 3-309 ( b ) A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the person 's right to enforce the instrument. SLS has failed/refused to prove up its right to enforce the instrument in violation of 3-309 ( b ). Moreover, each of the alleged assignments in the alleged chain of title is an " assignment '' of the deed of trust, not the note. In Carpenter v. Longan - 83 U.S. 271 ( 1872 ), the court ruled that The note and mortgage are inseparable ; the former as essential, the latter as an incident. An assignment of the note carries the mortgage with it, while an assignment of the latter alone is a nullity. Every alleged assignment in the alleged chain of title is an assignment of the Deed of Trust, and, as stated above assignment of the latter alone is a nullity. This constitutes evidence of record that every alleged assignment in the purported chain of title is defective rendering the instrument unenforceable. SLS has fraudulently attempted to foreclose and steal my home under the color of law in collusion with foreclosure mill, XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21227
Submitted Via: Web
Date Sent: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Specialized Loan Servicing LLC Report My account being Late payments for XX/XX/XXXX. That preventing from qualifying for mortgage loan with XXXX XXXX. Which I never been late. I was paying my attorney to help me to keep my home. Which they advise me to sell my home. Which I agree to sell my home and pay the remaining balance on my mortgage with Specialized Loan Servicing LLC in the amount of {$100000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 71854
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A