Date Received: 2021-11-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Please see enclosures regarding the earlier COMPLAINTS FILED COMPLAINT XXXX XXXX & COMPLAINT XXXX XXXX As regards the replies from SLS Please be aware and know that the SLS reply to each Complaint is identical and does not address the issues in my Complaints. The enclosures state what SLS ignores over and over again along wiht SLS misinformation such as stating I said the LOAN was fraudulent when, in fact, the LOAN was USUARY. however, the FORECLOSRE was INTENTIONALLY FRAUDULENT. Most of the information given in the SLS reply is just words without relating to any of the content in my COMPLAINTS. Both of the replies will be downloaded herewith along with some of the photos of the INTERIOR DAMAGES within the SUBJECT PROPERTY PLEASE be aware the photos of damages are the only ones that could be reached. There are futhere damages that are hidden by furniture, boxes, etc. all to heavy or cumbersome for me to navigate.
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: 2021-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My lender keeps advising that the reason they can't offer me another plan is because I failed my last modification. I never had a loan modification back in XX/XX/2020. It was a repayment plan. I am just asking them to properly review my loan. I have been waiting for over a year now asking for help from them.
Company Response:
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We've had financial issues specially with the Covid-19 and have submitted the financial packet to the loan servicing company and twice has been denied. We do not want to lose our home and would like to get more information as to the reasons for denial. the only option given to us to short sale our home
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a second mortgage and not able to afford to pay the payment because of their interest rate 13.5 % and requested them to modify the loan because of the hardship. I submitted all the required documents to them but they never try to help us. Since the our will be expiring soon we decided to sell the property and settle them its been 5 months we listed the property for sale but we have not received a single offer. I contacted them again if they can try to help us to settle or any payment option they can provide but the said they are options available right now for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94704
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I recently entered into a loan modification trial with specialized loan servicing my payment now is XXXX .I informed them on XX/XX/2021 that my situation has changedthat the social security administration 's deemed me XXXX and that I will receive XXXX a month that and my pension from my job gives me a monthly income of of XXXX dollars.The modification I received had no interest reduction or extension of the loan terms.their response was for me to rent out rooms my house. I no longer will be making XXXX dollars year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10704
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have disputed this account and have reached out to the XXXX XXXX times but failed. This account is being reported inaccurately and incorrectly on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 018XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to COVID I have had to refile my XXXX case, I filed my new XXXX on XX/XX/XXXX but the sale date has not been canceled or postponed. I called the servicer, SLS on XX/XX/XXXX and they could the sale date on my account, and I would need to call back to see what happened. But when I check online, it is still set to be sold on XX/XX/XXXX. See attached XXXX docs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2021-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: It is my understanding that Specialized Loan Servicing, LLC has been involved in prior class action lawsuits. As of XX/XX/XXXX, the CFPB found that they violated RESPA and Regulation X by taking prohibited foreclosure actions against mortgage borrowers who were entitled to protection from foreclosure, and by failing to send or to timely send evaluation notices to mortgage borrowers who were entitled to them. These violations also constitute violations of the Consumer Financial Protection Act of 2010. My original mortgage agreement with XXXX XXXX was recently sold to this company. For a period between XX/XX/XXXX until XX/XX/XXXX, I utilized the forbearance option under the CARES Act with my mortgage company as a result of hardship sustained from the effects of COVID-19. Upon the end of my forbearance my geographic location was placed under a state of emergency due to Hurricane Ida. As such, I was eligible for an additional yet separate forbearance under federal law. And, should begin resuming regular payments in XXXX of XXXX. I contacted SLS, LLC on XX/XX/XXXX to discuss resuming normal payments after an additional 3month forbearance as a result of Hurricane Ida. I was on a recorded line and spoke with a representative named XXXX. She indicated that my account was under review and could not supply any other information. In addition, I requested that my account be submitted for the disaster declaration forbearance. When I requested a payment deferral option and to begin resuming normal payments, she indicated that this servicer was not offering a deferral of the forbearance amount to the back of the mortgage. This is in violation of the CARES Act and the, CFPBs new rule in effect from XX/XX/XXXX through XX/XX/XXXX. On XX/XX/XXXX I emailed SLS through their website, On XX/XX/XXXX, I called again as I had not received anything in the mail from SLS, LLC. I spoke with XXXX ( id # XXXX ) on a recorded line. She indicated that a decision letter was mailed on XX/XX/XXXX and that maybe I didnt receive it due to the XXXX XXXX. She also stated that the only option available to me was a short sale or deed in lieu. After this, I stated what this company was doing was illegal and ended the call. I finally received a paper application on XX/XX/XXXX dated XX/XX/XXXX. How is it that SLS, LLC could have decided on an application on XX/XX/XXXX when I didnt receive it until XX/XX/XXXX? I never competed an application for them to decide on. I also received a property valuation report on XX/XX/XXXX dated XX/XX/XXXX. In addition, I never received confirmation of requested disaster forbearance from XX/XX/XXXX XXXX XXXX, XXXX. Also, as per the CARES Act this company can not require borrowers to catch up on missed payments during forbearance in the form of a lump sum immediately afterward. I am seeking mediation of this situation to follow the CARES Act. I should not be told my home will be taken from me nor should I be expected to pay the lump sum in violation of the CARES Act. The actions of SLS, LLC are predatory given the global economic status because of COVID-19. I am seeking to resume normal payments of {$760.00} on XX/XX/XXXX after the disaster forbearance is over. In addition, I would like CFPB to advise if a class action lawsuit including other wronged customers pertaining to this same situation is warranted Note published articles below ; XX/XX/XXXX which states ; XXXX XXXX XXXXXXXX CFPB Acting Director XXXX XXXX said Monday. The CFPB is proposing changes to the mortgage servicing rules that will ensure servicers and borrowers have the tools and time to work together to prevent avoidable foreclosures, which disrupt lives, uproot children and inflict further costs on those least able to bear them. To help homeowners who are behind on their mortgages, the CFPB is proposing a new rule that would establish a temporary XXXX emergency pre-foreclosure review period that would essentially block mortgage servicers from starting the foreclosure process until after XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan was transferred to Specialized loan Servicing in XX/XX/XXXX XXXX. from XXXX XXXX . SLS was to start accepting payments after XX/XX/XXXX XXXX XXXX approved me for a Flex Modification trial plan XX/XX/XXXX Payments were to begin XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. After the transfer SLS would not honor the trial flex modification. XX/XX/XXXX i traveled to XXXX for my brothers wedding. I did not return to the states until XX/XX/XXXX. A modification was mailed to my home. A relative who was checking on my house while i was away mailed the packet to me. The modification was dated XX/XX/XXXX. I wanted to accept but i had difficulty getting to the US embassy in time to get in notarized. I did call SLS to explain my situation. However SLS was unwilling to extend the deadline. When i came back to the states i saw a HUD housing counselor. A financial packet was sent to SLS on XX/XX/XXXX via usps 2-3 mail. That modification request was denied because SLS states that a trial plan was previously offered and failed. I never had a trial plan with SLS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX, Dear Sir and/or Madam, I am writing to you in order to file a complaint against Specialized Loan Services regarding my mortgage. I am an XXXX XXXX child who lost both parents prior to XXXX. I have a XXXX with my XXXX XXXX due to a previous XXXX. I have no other family, and I am on my own. I live in the home where I was born and raised which I inherited from my Father when he, the only surviving parent at the time, passed away on XX/XX/XXXX. The home is adapted to my XXXX. I have neighbors who have stepped up, and assist me as best they can in the absence of my family. There is a first mortgage on the home with a XXXX XXXX XXXX XXXX XXXX XXXX There is a second or Home Equity Line of Credit on the property with XXXX XXXX XXXX. I live in XXXX XXXX, Ca. On XX/XX/XXXX, the state of California underwent a mandatory shut-down due to the XXXX Pandemic. This become official at midnight, on XX/XX/XXXX. As a result, my work was impacted and closed for many months. I applied for a XXXX forbearance with the first mortgage. That forbearance ended after XXXX months on XX/XX/XXXX. The first mortgage is now actively engaged in working with me on a loan modification to bring the account current, and apply the amount in arears to the back of the loan. My employment resumed on XX/XX/XXXX, and I am able to afford both my first and second mortgage payments, again. In XX/XX/XXXX, I also applied for a XXXX Forbearance with the second, Heloc mortgage with XXXX XXXX XXXX. I was in constant contact with them. I asked numerous times what the next steps would be post XXXX Forbearance. Would I be able to apply for a Loan Modification once it had ended? The representatives on the telephone told me every time : " Yes, you will be eligible for a Loan Modification or a Deferment, and the forbearance payments will be put to the back of the loan. '' My XXXX Forbearance ended on XX/XX/XXXX. I was sent papers telling me that my options for further assistance included Loan Modification and/or DefermenXXXX. I filled out the papers and faxed them to Specialized Loan Servicing by the due date indicating that I wished to apply for a Loan Modification and or Deferment. I called Specialized Loan Services to see if they had received my Application for further Assistance. They said that they had received it in time as per the date given on the application, and that everything was in order. I asked if I was " safe '' from further acceleration of the forclosure process now that my Hardship packet was on file. They said, " Yes. '' I was supposed to receive a letter of confirmation within XXXX business days. I did not receive such a letter. I got on the telephone, and inquired about the status of my application. I was told that the package had been withdrawn, but they could not give me a reason. I got on the phone with my Hud XXXX, and he got on the phone with Specialized Loan Services and myself. Again, there was no one to answer the question concerning why the package was withdrawn, and there was no supervisor available to answer the question either. However, the representative concluded that although, I was told in writing that my application needed to be received by XX/XX/XXXX, that it really needed to be received by the date on the letter which was earlier in XXXX. Further, although they accept applications by fax, they could not accept mine, because I have a XXXX XXXX XXXX phone/fax which will only send XXXX page at a time. They said that they could not manually collect the pages so I would have to start over, and email everything. I do not have that technology. I had to take everything to XXXX XXXX XXXX, and email with them. This cost me {$30.00}. A hardship, because I was not working. I called XXXX, ( Specialized Loan Services ) the next day. They said that pages were missing in the email. I went back to XXXX, and spent another XXXX dollars to have them email the documents behind the counter. I called XXXX the next day. This time they said that the package was complete. XXXX days later, I received a letter from XXXX telling me that I did not qualify for a Loan Modification or a Deferment, and the only option being offered was a short sale. My Hud XXXX was flabbergasted. We got on the phone with SLS. Again, we could not get an answer from a representative as to why this action was being taken. We could not speak to a XXXX. The general consensus was this action was taken, because I did not provide current paystubs, because I had not yet returned to work. The ones that I submitted with my hardship application were dated pre-pandemic XX/XX/XXXX, because that was the last time I worked prior to the pandemic. I explained this in the hardship letter that accompanied my packet, and gave a clear explanation and the date that my work would be resuming. I was told that if I wished to accept the short sale that I would have to notify them by XX/XX/XXXX. I said that I wished to appeal. I was given until XX/XX/XXXX to submit a letter of appeal, and my current paystubs. I was preparing to gather all the information for the appeal this weekend, and submit it early next week. Well in advance of the XX/XX/XXXX deadline. I received an automated telephone message from XXXX this morning telling me to call them immediately. I assumed that it was to verify that my appeal would be in their hands by XX/XX/XXXX. I got on the phone with a representative around XXXX a.m. this morning, XX/XX/XXXX. As I suspected, I was told that I had not complied and notified them of my decision concerning the short sale by XX/XX/XXXX. I explained that my Hud Advisor, and I had spoken to a representative several weeks back when I received the letter telling me that XXXX was not offering me further options for post XXXX Loan Modification or Derferment only a short sale which I declined. Further, that I wished to appeal, and was told in writing that I had until XX/XX/XXXX to respond. The Hud XXXX and I had explained all of this to the representative that we spoke with earlier in XX/XX/XXXX. I explained this in detail to the representative I was speaking with this morning. I asked her to, please check the notes as I am sure that everything concerning the account would be noted in the records. At this point, the representative ( with whom I was speakin this morning XX/XX/XXXX ) told me that I could appeal the decision, but that it would do me no good. She said that XXXX likes to work with its customers to find resolutions, but that the Investor made the decision that the only offer on the table was to pay the amount of the arears from the XXXX Forbearance in full : {$9400.00} or a short sale. This was a firm decision. Therefore, I am filing a complaint against XXXX XXXX XXXX for not living up to the terms of the agreement that I was given verbally time and time, again when I entered into the XXXXForbearance when I was told that Loan Modification and or Deferment would be an available option post XXXX Forbearance. I Wish to Keep My Home! I was born and raised here, and it is the only home that I have ever known. I am a single female with no family. I have a XXXX, and I am located conveniently near my physicians and hospital where I undergo routine medical care, XXXX and treatment. I have the love, help and support of my community here, and from people and neighbors who I have known my entire life. Through no fault of my own, my employment was affected by the XXXX Pandemic. I am now back at work, and able to afford both my mortgage payments. Therefore, I wish to be given an affordable post XXXX Forbearance payment option by XXXX XXXX XXXX in keeping with the protocols established by the Cares Act and the XXXX XXXX XXXX, respectively. I wish to be considered for a Loan Modification and/or Deferment that will put the XXXX Forbearance arears to the back of the loan and allow me to resume my previous payment or a lesser payment that I had prior to the pandemic Thank you very much for considering my complaint. I appreciate your XXXX attention to this matter. Since time is of the essence, I look forward to hearing from you soon. Kindest regards, XXXX XXXX XXXX P.S : I do not have the technology to upload documents. However, I will forward them to you via the United States Postal Service immediately. If you can provide an email address or fax number that would speed things up considerably. My email address is : XXXX Thank you very much! Again, XXXX regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90807
Submitted Via: Web
Date Sent: 2021-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A