Specialized Loan Servicing LLC

2016-09-13

Sandy Hook, CT

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: my loan was transferred or bought by specialized loan services XX/XX/2014. since this loan was transferred from XXXX mortgage it has been marked 1 month behind to the credit bureau for 23 months.I have repeatedly sent proof that I was not late on my payments. there was a mishandling of my funds for almost two years. It has obviously affected my credit and financial wellbeing and continues to do so. Specialized loan service has been unwilling to work with me on this issue even though they have repeatedly admitted this is their mistake to myself and XXXX. Sls is light years beyond the worst company I have ever worked with or heard of. Their negligence is by design. They are a predatory lender who preys on ''sub-prime '' loans. It is clear to me they have something to gain from manipulating peoples financial lives to foreclosure., As of right now they have corrected the payment issue but have n't corrected my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-13

Milwaukee, WI

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-13

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: We recently paid off our HELOC. We have been getting statements regularly from them for a few months. Called to close the account and was told that we need to pay a fee to draw up the papers to see if we could close it. I complained about this and the representative said they would draw up the papers and waive the fee. I just got a statement from them and it says they want us to pay XXXX separate fees to close the account. This was not disclosed to me and seems wrong. The statement clearly shows XXXX due. I should not have to pay for them to close the paid up account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-12

Van Nuys, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on XXXX/XXXX/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until XXXX/XXXX/2016. This is absolutely not true and a lie simply for them to stall. If you look at the attached Law Office Internal notes, you will see my attorney confirmed with them several times prior to XXXX/XXXX/2016 that the file was complete. Regardless, according to RESPA Reg X, the servicer does not have to have a perfect, complete file. They merely have to have a semi complete file with enough info to make a decision. They have had this since XXXX/XXXX/16. However, I am told by my attorney that SPS does not follow the RESPA Reg X guidelines/rules. They go by their own rules and have no lied about not having a complete file until XXXX/XXXX/2016. My approval from keep your home california is about to expire while my servicer, stalls and evades making a decision on my loan for a loan modification even though they have now had my complete file ( Prepared by my attorney and their underwriter ) now since XXXX/XXXX/16.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-12

Fairfield, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-11

CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: The Claim : Our HELOC mortgage payment sent to SLS Loan Servicing ( SLS ) in the amount of {$10000.00} has been erroneously endorsed by XXXX XXXX ( XXXX ) and misapplied and erroneously credited to an unknown account at XXXX. SLS was notified of the error on XX/XX/XXXX but to this date refuses to either acknowledge receipt of the check or to sign an Affidavit of Forgery or Misapplied Funds that will allow our bank, XXXX XXXX XXXX ( XXXX ), to pursue a claim against XXXX for the erroneous endorsement and/or proper credit of the misapplied funds. The Facts : In XX/XX/XXXX we opened a HELOC account with XXXX XXXX. That loan was apparently sold to a securitization owned by an unknown investor on an unknown date sometime before we made the first draw on the HELOC on XX/XX/XXXX. Servicing on the HELOC was transferred to SLS sometime around XX/XX/XXXX. We sent the {$10000.00} mortgage payment by personal check ( the " Check '' ) to SLS via USPS addressed to their designated XXXX in XXXX GA ( see attached copy of front and back of the Check ). On XX/XX/XXXX the Check was erroneously endorsed by XXXX as payable to one of their accounts and on XX/XX/XXXX the Check was cleared by XXXX and the {$10000.00} was disbursed to an unknown payee. On or before XX/XX/XXXX we discovered that the proceeds of the check had not been credited to our HELOC, and on that date we filed a claim with the Postal Inspector at the USPS and complained in writing to SLS requesting SLS to either correct the misapplication of funds or sign and send to XXXX an Affidavit of Forgery or Misapplied Funds so XXXX could pursue a claim against XXXX. We signed and delivered such an affidavit to XXXX on XX/XX/XXXX. On XX/XX/XXXX we contacted the XXXX Ethics Line by email to request an investigation, since XXXX or one of its clients was the apparent recipient of the misapplied funds. On XX/XX/XXXX we received a letter from SLS ( copy attached ) disputing that they had ever received the Check and disclaiming any responsibility for the misapplication of the funds from the Check. Current Situation : The HELOC matures and final payment is due on XX/XX/XXXX. We have paid the outstanding balance down to approximately {$10000.00} but will have difficulty paying off that remaining balance if we do not recover the {$10000.00} in misapplied funds. We have an on-going ethics investigation pending at XXXX, and have recently discovered that the loan syndication may have been purchased by XXXX, who SLS told XXXX Ethics is currently the owner of the HELOC. ( XXXX = XXXX XXXX XXXX XXXX XXXX. ) Since we are still investment clients of XXXX XXXX, we have requested an investigation at that entity as well. In our view, the funds are currently held by XXXX on behalf of XXXX, but the funds were erroneously deposited in the wrong XXXX account by SLS. However, XXXX has now essentially washed their hands of the situation ( see attached letter ), even though they are the key to tracing the funds at XXXX either through their auditing of the internal routing of the Check, or by providing the necessary affidavit to XXXX so it can trace the source of the erroneous endorsement at XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-09

Sanford, FL

Other

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-09

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: On XX/XX/2015 SLS without our authorization withdraw fund from our account and/or any notification, causing my family hardship and unable to catch up with the mortgage payments, then we requested a Loan Modification, which they continue to denied, until we send a letter to President Obama administration, in order to qualify for Making Affordable Program, which was granted by the President Obama Administration, after that SLS entity send me a qualification for a Loan Modification but in really it was very disappointed to see what they were offering me which is as follow : Monthly Payments of {$2200.00} for 242 month and a balloon payment of {$360000.00} at the end of the term, meaning that I will end paying triple the amount of my property also I will lose my property because it will be impossible to pay a balloon payment on the amount of {$360000.00} neither my wife or my sons and daughter. My wife and I are XXXX who are collecting Social Security Benefits and receiving the aid of our children an I believe that is not reasonable a proposition where they are asking for {$660000.00} at the end of the completion of 242 month when my property is only value at {$190000.00}, which was appraisal by SLS entity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-09

San Diego, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Previous complaint # filed in XX/XX/XXXX for same issue this month # XXXX. Once again, SLS has " lost '' the electronic monthly payment sent directly from XXXX XXXX XXXX ( my bank ), charged me a late fee, and insisted that I make double payments ( for last month and this month ) while they " research '' the lost payment. Every month my HELOC payment is electronically sent directly from XXXX XXXX XXXX to SLS for the monthly. I have been using this same process since the day SLS purchased by loan from XXXX. On XXXX/XXXX/16, I received my XX/XX/XXXX statement stating SLS did not receive a XXXX payment that was due XXXX/XXXX/16. I called and spoke with XXXX and XXXX on XXXX/XXXX/16.. They both told me payment was never received. They told me I had to submit the proof of payment. I obtained a proof of payment from XXXX XXXX bank showing the money was deposited electronically delivered to SLS on XXXX was also told I had to submit a FULL bank statement with nothing crossed. There is information on that statement that has nothing to do with my loan payment such as my salary, other payments I have made etc. That is none of their business. Because of an error made by SLS, SLS is invading my privacy and taking up my time and money ( gas to go to my bank, printer ink, paper, postage stamps, envelopes ) to resolve an error they made. I have spent HOURS on the phone trying to get this resolved. The proof of payment shows they received their money. It was sent electronically, so it is very obvious SLS applied the payment incorrectly. I should not be required to submit a full bank statement showing personal information that they would not be privy to if they had not made this error. I was also told that I was charged a late fee for the XX/XX/XXXX payment and will be charged another late fee for XX/XX/XXXX. To keep " losing '' electronic payments each month, telling the person they must pay the past month and current month ( double pay ), and charge them late fees is FRAUD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-08

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SLS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Short Sale package was submitted XXXX/XXXX/16. We called SLS and they told us they would not review for a short sale due to the sale date on XXXX being within 30 days of receipt of the short sale package. The auction was then postponed to XXXX. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between XXXX when the package was submitted to the new auction date of XXXX. Yes - it was 30 days at first, then it was changed to 38 days. Coincidence? I think not ... .. It is obvious they have been trained to lie and deceive. Does the investor even know they received a short sale package? Is this evidence of SLS postponing a foreclosure date simply to defraud the investor out of further servicing fees? We have another file with SLS that they are doing the same thing on. It is very apparent this is a pattern of behavior for SLS, and they have no intention of working on any of their short sale files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-08

Dundee, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-08

NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was bought from XXXX by SLS in XXXX. Since then I 've had nothing but issues with them. They charge {$9.00} to take a payment over the phone and refuse to accept my electronic payment. They refuse to send me any kind of statement as to escrow, account payoff, or how much my payment should be after tax adjustment. They are rude on the phone and the only time I could get any information from them is when my bank called them. They refuse to give out information to anyone but a bank or a lawyer. I 'm the customer do n't I have any rights when it comes to my mortgage? They claim that because I filed for bankruptcy, which was XXXX in 2014, I have no right to any statements. However XXXX, the original lender, sent me statements each month. How do I know if SLS is living up to the mortgage modification if they wo n't give me any statements?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-08

Tarzana, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Beginning XXXX, 2009, a cadre of financial institutions have improperly posed as the creditor, i.e. the party to whom the mortgage debt is owed, in connection with debt encumbering real property of my estate. After years of litigation, and battling absurd arguments such as, " we can enforce the debt even if we stole it, it 's a bearer instrument under UCC 3, '' it is clear that none of the financial institutions present own or have a right to enforce the debt instruments. The Court has now finally determined that the Note at issue is not negotiable instrument, and therefore not subject to UCC 3, and thus the institutions can not enforce the debt, " even if they stole it. '' After changing the identity of the creditor numerous times, the institutions most recently asserted the owner of the debt as, " the Bank of New York Mellon as Trustee for XXXX XXXX, asserts the right to enforce the Note as the owner of a bearer instrument, '' and then when I proved that was an impossibility, the institutions pivoted to assert the exact opposite, " the Bank of New York Mellon as Trustee for XXXX XXXX agrees it is not the owner of the Note. '' I have been forced to litigate the institutions ' moving target assertions for over four years. The servicing institutions involved XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, assert they are attempting to enforce the debt on behalf of the Bank of New York Mellon as Indenture Trustee for XXXX XXXX ( BONYM ), with BONYM asserting it is attempting to collect the debt on behalf of " XXXX note holder holders '' of XXXX XXXX. However during their deposition testimony, BONYM admitted it has no idea who the XXXX noteholders are or how they are paid. Contradicting this testimony, are the documents filed with the SEC in connection with XXXX XXXX establishing that the indenture trustee is to certify with its signature, each note issued, and is responsible for paying the note holders. If BONYM does not know who the note holders are then they are not collecting payments from me on behalf of the XXXX purported note holders of XXXX XXXX. Finally, during the recent summary adjudication proceedings, the servicing institutions and BONYM now assert that XXXX XXXX XXXX is the owner of the instruments as Owner Trustee of XXXX XXXX ( XXXX XXXX. However XXXX and its key executives are under criminal indictment for their conduct in connection with mortgage backed securities and did not assert a claim against my estate. Further, the documents filed with the SEC in connection with XXXX XXXX establish that the owner trustee, XXXX, is the only party that can engage in litigation in connection with assets of the trust. It 's clear that XXXX, did not, and is not asserting a claim against my estate, that XXXX is improperly using the name XXXX XXXX as cover to fraudulently assert a claim against my estate. Defendants ' counsel in the matter, has improperly asserted it is representing all the Defendants, when their actual client is XXXX, in order to collect fees and keep covered the issue that the note holders of XXXX XXXX are owed no amounts from me. As this agency is aware, when XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX was the servicing agent their conduct was particularly egregious as summarized in the attached communications to them. After the CFPB and FTC consent judgment was issued, XXXX XXXX immediately became XXXX for obvious reasons but continues its deplorable conduct in my case. The overall issue is set out in my attached third amended complaint, which will have to be amended once again now that BONYM 's misrepresentations of ownership were revealed during the summary adjudication proceedings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-06

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been attempting to work with my new mortgage company but they have been nothing but helpful since taking over my loan from XXXX. I need help as my home is going into default and I can not maintain payments. Please have someone assist me with a solution. I am open to a loan mod as or deed in lieu. I need a single point of contact, someone who is willing to keep open lines of communication.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-06

KY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Specialized Loan Servicing Group purchased our 2nd mortgage effective XXXX/XXXX/XXXX. SLS changed the original loan contract from a " INTEREST ONLY OPTION '' to a " INTEREST AND PRINCIPLE '' product without our consent effective XXXX/XXXX/XXXX which we highly disagreed with. Although we continued to make our normal and usual monthly electronic payments, SLS has contended we were in arrears of {$1400.00} as of XXXX/XXXX/XXXX although they never identified what thy wanted the payment amount change to without our consent. SLS has further refused to accept our electronic payments in the original amounts for the months of XXXX XXXX XXXX of this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-09-05

PA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Re : HELOC loan XXXX with Specilaized Loan Servicing LLC. On XXXX/XXXX/XXXX, I sent Specialized Loan Servicing LLC my check # XXXX in the amount of {$250.00} as my mortgage payment ( XXXX/XXXX/XXXX statement ). This is a second mortgage.The account # is XXXX. This sum was never credited to my account ; the check was apparently lost. [ This is the second check that SLS has mislaid in the past year ; my check # XXXX of XXXX/XXXX/XXXX in the amount of {$240.00} also went astray. ] Upon receipt of the next statement ( XXXX/XXXX/XXXX ), I sent SLS my check # XXXX in the amount of {$500.00} which covered the then current receivable of {$240.00} and the past due receivable of {$250.00}. I thought the matter was settled. However, instead of this {$500.00} being credited to my account properly as two monthly payments, it was applied according to SLS statement of XXXX/XXXX/XXXX as follows : {$280.00} as a monthly payment and {$220.00} as a principal payment. The figure {$280.00} appears to be composed of the past due receivable of {$250.00} and a late fee of {$25.00}. However, the statement of XXXX/XXXX/XXXX, however, had NO late fee indicated at all. Because of the partial misapplication of my payment, the monthly statement of XXXX/XXXX/XXXX indicated that I owed {$520.00} with a past due receivable of $ XXXX.I spoke to an SLS service representative, XXXX, on XXXX/XXXX/XXXX about this and she said would initiate corrective action to credit my account properly ; she also indicated she would try to waive the late fee. She told me to send SLS a check in the amount of {$240.00} when I made my monthly payment. Once again, I thought the matter had been settled but then I received a Mortgage Delinquency Notice dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX I was treated to a dunning telephone call from SLS still indicating I owed over {$500.00}. I spoke with XXXX representatives who after a long discussion indicated that my account was not in arrears except in the amount of {$25.00}. When I noted that this was the late fee, which XXXX had tried to waive, they refused to agree. For some reason I still fail to comprehend, they maintained that this was not a late fee. Oddly enough, they could n't explain to me what it was exactly. Dissatisfied, I asked to speak to a manager but they informed me that none was available ; since the conversation occurred during normal business hours, I found this hard to believe. They then informed me that they would have a manager call me at my home sometime during the next 48 hours. No manager called. On XXXX/XXXX/XXXX, I sent in a payment composed of XXXX checks : # XXXX in the amt. of {$240.00} for the monthly payment as had been requested by the SLS representative XXXX ; and # XXXX in the amt. of {$25.00} as a late fee. I paid this late fee even though I did not remit any payment late. I just wanted the slate cleaned for the time being. At the same time, I requested that this late fee be waived, since I was the aggrieved party here, and that SLS refund this amount to me as soon as possible. I had to do this same thing in order to clear a similar mess that resulted from the loss of my check # XXXX in XXXX XXXX. The fee was eventually refunded to me by SLS. Both of these checks have since cleared my bank account ; nevertheless, I just received a letter freezing the available funds in my HELOC account with the threat that " acceleration '' of the debt was a prospect. I sent a certified letter, return receipt requested to Specialized Loan Servicing 's president, XXXX XXXX, on XXXX/XXXX/XXXX but as yet have not received the post card indicating he had received it. The letter outlined the difficulties I 'd had and requested corrective action. All I want is that SLS cease harassing me about money I do n't actually owe. All I 'm asking is that they make a minor accounting correction in regard to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-03

Oak Grove, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Specialized Loan Servicing LLc sent me back a check ( copies enclosed ) for a payment to be added to Payments in suspense. My modification was was based on the amount of an old insurer, and has not been changed, new insurer is half the cost of previous. enclosed is copy of trial modification. Now I am in fear that I will lose my modification. I have had this problem with SLS in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-02

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2016-09-02

Arvada, CO

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I refinanced my mortgage. Company issued a payoff to the title company, and then paid moneys from the escrow, which increased the payoff. They send me mail to my residence, which I received on Thursday evening, stating a figure to pay them to reconcile the account. Those moneys needed to be certified and they need to receive them by Friday @ XXXX. I sent them the money, by mail, which they received on Monday, they then posted the money to my payment account, not the payoff account, then held them until Thursday. What they did n't tell me was they were charging interest per day and the payoff, originally identified by Friday @ XXXX wouldnt have even been the correct amount ( They have charged me 6 days of interest ). They are telling me I now owe more money, because they sat on funds I sent them and interest has accrued. I have wired the additional money, but am still in limbo as to the status of the payoff. At this point, I have XXXX confidence that anyone at the company could tell me what the payoff amount is and how long that payoff amount will be good for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-02

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX XXXX, XXXX - First Request and XXXX XXXX, XXXX - Second Request To : SLS RE : XXXX AND XXXX XXXX XXXX XXXX XXXX , CA XXXX BANKRUPTCY CASE # XXXX LOAN # XXXX PAYMENTS CONFIRMATION This letter addresses the following : 1 ) Issue : Incorrect information provided to The United States Bankruptcy Court regarding missed mortgage payments. Desired result : Notify the United States Bankruptcy Court that the information you have previously provided is a mistake and we are current on our payments. 2 ) Issue : Incorrect information reported to Credit Bureaus regarding missed mortgage payments. Desired result : Remove the falsely reported debts with the Credit Bureaus. To whom it may concern : 1. Incorrect information provided to The United States Bankruptcy Court regarding missed mortgage payments. On the document received on XXXX XXXX, XXXX ( document attached ), it states that I have a passed due amount of {$19000.00}. I called your customer service and it was explained to me that the past due balance was to cover a mortgage payment balance that exceeded the amount that was paid and covered under a bankruptcy, Chapter XXXX court pre-payment Plan. The amount paid to the Trustee under this Plan was {$28000.00}, and should have covered all past-due mortgage payments. At the same time, once the bankruptcy was filed, The United States Bankruptcy Court ordered me to continue making my monthly mortgage payments directly to XXXX XXXX XXXX, which I did. It appears that your records have not been updated to reflect the payments that were made to the Trustee as part of the Bankruptcy to cover all past-due payments. Therefore, it is incorrect for you to try to collect for these payments by basically applying current payments to this past due debt which is why you are showing me as past due for 5 months. Please provide me with your accounting records to show what payments you claim I have missed. Since XXXX XXXX, I have made my mortgage payments directly to Specialized Loan Servicing and have never missed a payment for which you are attempting to collect. I have attached a spreadsheet which shows all the payments that I have made directly to you and XXXX XXXX XXXX. Additionally, I 'm sending you copy of checks and XXXX XXXX Receipts as proof of the payments. We ask that you : - Please make the necessary changes to your records to show that our mortgage payments are current. - Notify the United States Bankruptcy Court that the information you have previously provided is a mistake and we are current on our payments. - Immediately contact the U.S. Credit Bureaus to remove the falsely reported debts from our credit report as this greatly affecting our credit scores. If you need any additional information, please do not hesitate to contact me at XXXX. Thank you, XXXX & XXXX XXXX XXXX XXXX, XXXX SPECIALIZED LOAN SERVICING LLC Structure Asset Mortgage Investments XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Attn : Customer Care Support RE : XXXX XXXX After reading your letter dated XXXX XXXX, XXXX, you are mentioning that you has complied with the requirements in accordance with Fair Credit Report Act ( FCRA ). We still consider that the information you provided to the credit bureaus is incorrect. We have been paying our mortgage payments since we were instructed by the United States Bankruptcy Court on XXXX XXXX after we filed a Chapter XXXX bankruptcy case. The first payment was made to XXXX XXXX XXXX on XXXX/XXXX/XXXX for the amount of {$3100.00}, from then and on, we continued making our monthly payment until the account was transferred to you on XXXX XXXX. I am sending you as much information I can submit. Although, I already sent you all of the same document via snail mail. Please let me know if you need anything else. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-02

Palatka, FL

Other

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-01

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-09-01

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: SLS continues to improperly withhold PMI even after the LTV has dropped below 78 %. Many calls were made to handle this and the company states their policy requires a wait XXXX 45 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-08-31

Las Vegas, NV

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-08-31

CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response