Specialized Loan Servicing LLC

2019-09-10

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-10

TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I own a site condominium in Texas in which a lot has been subdivided into two discrete parcels that are entirely responsible for our own, fenced off areas of the land. We then carry a $XXXX policy for the shared driveway which ends at separate driveways for each unit. My property was incorrectly entered into Specialized Loan Servicing's system as a standard, shared property condominium which would require an HOA master policy along with each unit carrying condo insurance. This would lower each individual's unit burden while shifting much of the liability to a master policy, it would end up being cheaper for me.Back in XX/XX/XXXX however, I received a notice that I didn't have adequate insurance coverage and that if I did not upload my policy, SLS would buy more expensive insurance that would potentially cover less than my own policy. I was terrified at the thought of having to pay for double insurance after legal, my insurance agent, and the underwriter reviewers approved of my policy (and required me to obtain homeowner's insurance) with the loan originator. I uploaded the shared property plan and my own insurance plan to the given insurance website and thought the issue was resolved as the website said I would hear back in ten days with a resolution. I never heard back. I got a second warning a few weeks later that I still had not uploaded the documents even though I obviously had -- when I went to the website, they showed the policy documents I had previously uploaded and didn't even offer the opportunity to upload additional supporting documentation. I called SLS the next day, explained the issue, and was told not to worry and the agent would resolve the case; it was just a system issue and she would take care of it.Two weeks later, I received another notice that I didn't have insurance and SLS would be purchasing insurance for me. I have now repeated this process six times. I have received six letters. I have called SLS six times, and each time their agents have been incredibly kind, quickly recognized the issue, and made me feel like my property was updated in their system once and for all. I even got policy cancellation notices for the policy that SLS purchased on my behalf and the money was refunded to my escrow account, I felt like I was finally in the clear. Today I came home and opened my mail to find another letter stating I did not have the proper insurance on my property and SLS will be purchasing insurance on my behalf. This is a stressful, tedious issue that isn't amusing to me anymore. I appreciate that systems go haywire, I've written software for major tech companies for a decade now and appreciate that enterprise systems are fickle but this is driving me insane. I have recordings of most of the phone calls and just want this to be updated once and for all. I'm angry at my originator for working with SLS if this is the type of company they are.I'm missing two of the letters but have uploaded seven that I received. I also have recordings of most of the calls but SLS has their own copies which are likely better quality.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Trenton, NJ

Trouble during payment process

Mortgage: FHA mortgage

Complaint: XXXX XXXX XXXX sent my file to Specialized Loan Service without notifying me prior to around XX/XX/2011. I have been disputing this transfer ever since. I was also in the process of a modification with a XXXX who has a contract to work with XXXX to assist with modifications and to prevent my home from going into foreclosure. SpecialiZed Loan Service has not worked with me to remain in my home. I have attempted on occasions to make the payments I could afford which was on a previous statement from SLS who I never contracted with while requesting my loan remain with the original bank who claims Im a valued customer. I also called at XXXX to verify my loan number. She refused to confirm the number I gave her and never sent an email with this information as she stated. Both parties have been blaming the collection on the investor who has in turn referred me back to the most recent servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-10

Temperanceville, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-09-09

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX WE DID A MODIFICATION BACK IN XX/XX/XXXX AND THEY SAID THEY NEVER RECIEVED THE 3RD PAYMENT WHICH THEY DID BECAUSE I SENT A COPY OF THE XXXX XXXX RECIEPT! ANYWAY YOU HELPED US BY CLEARING THIS UP WITH OUR LENDER AND FINALY GOT THE MODIFICATION APPROVED IN XX/XX/XXXX -WE RECEIVED THE DOCUMENTS AND TOLD TO HAVE A NOTARY TO SIGN AND SEND BACK BY XX/XX/XXXX WE DID! I CALLED A WEEK LATER TO SEE IF THEY GOT THE MODIFICATION PAPERS BACK AND I WAS TOLD BY LOSS MIDIGATION DEPT THAT THEY WERE DENIED DUE TO THE ERROR BY THE NOTARY IT WASNT SIGNED RIGHT! SO THE MAN WAS NICE ENOUGH TO EMAIL US ANOTHER SET AND MY HUSBAND BROUGHT THE DOCUMENTS TO THE BANK AGAIN AND HAD THEM SIGNED AGAIN AND OVERNIGHTED THEM BACK TO LENDER! OUR FIRST PAYMENT WAS DUE ON XX/XX/XXXX BUT THEY SAID WE HAD TO THE END OF THE MONTH TO MAKE IT! BUT WHEN OUR LENDER SAID THAT THEY WERE DENIED DUE TO THE NOTARY 'S MISTAKE THEY SAID DONT MAKE THAT XX/XX/XXXX PAYMENT UNTIL WE SEE IF THE PROCESSING TEAM IS GOING TO EXCEPT THIS BECAUSE NOW IT WAS XX/XX/XXXX!!!! THEN XX/XX/XXXX CAME AND WE STILL DIDNT HAVE A ANSWER OUR POINT OF CONTACT FINALLY REACHED OUT TO ME AND SAID YES IT WAS BEING SENT OVER TO BE FINALIZED BUT WE NEED THE XX/XX/XXXX AND XX/XX/XXXX PAYMENT - SO WE JUST TOOK THE XXXX THAT WE HAD AND HAD TO PUT IT IN OUR ONLY CAR A TRANSMISSION! I SENT OVER PROOF TO OUR LENDER MY HUSBAND IS RETIRED AND IM XXXX I TOLD OUR POINT OF CONTACT XXXX ( I THINK THATS HOW YOU SPELL HER NAME ) THAT WE CANT DUE THE PAYMENTS UNTIL XX/XX/XXXX SHE SAID LETS GET THIS MODIFICATION DONE FIRST THEN I WILL TALK TO MY MANAGER ABOUT THE XX/XX/XXXX AND XX/XX/XXXX PAYMENTS! NOW LAST WEEK I ASKED TO SPEAK TO A SUPERVISOR ( XXXX ) WHO TOLD US THAT THE PROCESSING DEPT WANTS XX/XX/XXXX AND XX/XX/XXXX PAYMENTS BY XX/XX/XXXX I WAS LIKE WHAT?? NO XXXX SAID SHE WAS GOING TO SPEAK TO HER MANAGER TO SEE WHAT WE CAN DO PLUS WE DONT GET PAID AGAIN UNTIL XX/XX/XXXX XXXX THE SUPERVISOR SAID I WILL PUT THAT EMAIL RIGHT IN AND EXPLAIN WHEN YOU CAN MAKE THE TWO PAYMENTS! WILL TODAY MY HUSBAND HAD TO SIGN ANOTHER MODIFICATION DOCUMENT PLUS GET IT NOTARIZED AGAIN AND XXXX IT BACK TO OUR LENDER!!!! I JUST GOT OFF THE PHONE WITH A DIFFERENT SUPERVISOR AND WAS TOLD NOW THAT THEY WANY XX/XX/XXXX XX/XX/XXXX & XX/XX/XXXX PAYMENT OR THEY WONT GIVE US THE MODIFICATION! I WAS LIKE NO THATS NOT LEGAL WE WERE ALREADY APPROVED AND THE NOTARY XXXX THINGS UP THEN OUR LENDER TOLD US THAT IT WAS DENIED HOLD OFF ON MAKING XX/XX/XXXX PAYMENT UNTIL WE SEE IF THE PROCESSING TEAM WILL RE APPROVE IT BECAUSE IF WE SENT THE PAYMENT IN WE WERE TOLD IT WOULD GO TOWARDS ANY LATE FEES AND OUR ESCROW WHICH WE WOULD BE WASTING THAT PAYMENT!!! SO NOW WE WANT TO FILE A COMPLAINT AND WE NEED YOUR HELP TO KEEP THIS MODIFICATION THAT WAS JUST SIGNED TODAY AND WE WILL MAKE THE XX/XX/XXXX AND XX/XX/XXXX PAYMENT ON XX/XX/XXXX! PLEASE HELP AGAIN! ALSO WE WERE TOLD BY THE SUPERVISOR THAT JUST CALLED THAT SHE WILL EMAIL US A NEW LOAN MODIFICATION APPLICATION TO DUE ALL OVER AGAIN BUT SHE CANT GUARENTEE THAT WE WILL GET APPROVED FOR ANOTHER MODIFICATION SO WE WILL LOOSE OUR HOME AND WE BEEN HERE FOR 26 YEARS!!!! WE GOT APPROVED FOR THE MODIFICATION ALREADY BUT SINCE WE CANT MAKE 3 PAYMENTS BY XX/XX/XXXX THERE GOING TO CLOSE IT OUT! THATS ILLEAGAL PLEASE HELP! WE CAN MAKE THE 2PAYMENTS ON XX/XX/XXXX AND XX/XX/XXXX WILL BE PAID WITH XX/XX/XXXX THEY NEED TO GET REPORTED! THANK YOU XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-09

Southworth, WA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I have submitted a Qualified Written Request to Specialized Loan Servicing as I am very concerned with my closing documents, and who has the wet-inked, original Deed and Note of my loan, as well as Assignments and Substitution of Trustees. I am also very concerned about the fees and many other concerns and therefore, I am sending this request to be clarified in detail. This company, Specialized Loan Servicing, has not provided any information to me verifying any of my questions presented and yet has a XX/XX/2019 sale date to steal my property before they can prove to me they can legally move forward or who the owner of my loan is! I am reporting SLS for not providing me with my requested documents and answers to my questions, for not being able to prove that they have a right to even service this loan, let alone provide me with the owner of the loan. I am asking for your protection as you enforce the rules and laws that SLS is supposed to be complying with, report and fine SLS for non-compliance with my Qualified Written Request and not allowing me time to receive nor review their response once I eventually receive it and force SLS to comply with the written law.
Company Response: Closed with explanation

Timely Response

2019-09-09

Brewster, MN

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-08

New Rochelle, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-06

Occoquan, VA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: I completed a Chapter XXXX which did not include my mortgage. Ive paid directly myself. Im still paying my mortgage payments and my account is open and active but they are reporting it as discharged in Chapter XXXX. Ive requested multiple times to correct it and went through credit agencies as well. It is impacting my credit in a negative way. I need them to update the account to show that it is open and active as I have been paying it every month including the 5 years that I was in Chapter XXXX bankruptcy. This account was not paid through the bankruptcy it was a self pay account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-06

So Effingham, NH

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2019-09-05

Sylvania Township, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX sold my mortgage to Specialized Loan Services in XX/XX/XXXX. My mortgage statements from Specialized Loan Services, indicate and have messages about bankruptcy, not an attempt to collect a debt, fill out forms if you no longer wish to receive statements, and I am not obligated to pay my mortgage since responsibility was released through bankruptcy. It is the case in XX/XX/XXXX I filed bankruptcy, however, my mortgage was never entered in the bankruptcy, I reaffirmed the debt. I called SLS in XX/XX/XXXX to discuss the statements I was receiving and on the phone messaging, it also mentioned bankruptcy and an attempt to collect a debt ... ..I talked with a Representative about the information on my statements. I explained my mortgage was not part of my Bankruptcy and that it was 8 years ago. I was told because I had a bankruptcy that's how they have to report it. On XX/XX/XXXX, I called SLS again because my mortgage is not showing up on my credit report. The Representative I spoke with said that when XXXX XXXX transferred them the mortgage, they flagged my mortgage as in Bankruptcy. I was angry that this could happen and explained I would like to know why and how it happened. I am not sure why XXXX XXXX sold my mortgage and stated it was in bankruptcy, my statements from them never indicated any language to the contrary. I was told someone would call me in 5 days. I noticed a few months ago that XXXX XXXX had reported my mortgage as " paid '' with no payment history. I had requested through XXXX XXXX that it say the loan was sold and my payment history be entered. It now says loan transferred. I recently applied for credit and was denied, I do not know if my mortgage being " flagged '' and or not showing up on my credit report had anything to do with this mess. At this point I do not trust that between the two companies things will be resolved as they should so I wanted to send this complaint to be assured someone else would be looking at it. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Rncho Domingz, CA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: This account is a result of an identity theft. This account does not belong to me and it is affecting my credit score
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Keyport, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Dear Madam or Sir : I am writing a formal Notice of Dispute and a Notice of Violations pertaining to Specialized Loan Servicing denying me my 30 day legal right to Dispute and Appeal for a modification and the illegal actions of Specialized Loan Servicing pertaining to my primary residence located at XXXX XXXX XXXX, XXXX, XXXX WA XXXX, and Loan # XXXX. On several occasions during my phone calls with Specialized Loan Servicing ( SLS ) for updates and reviews, I was told in uncertain terms from SLS representatives that I only had until a XX/XX/2019 deadline to submit my Appeal/Dispute letter into their department for review. I have had to explain to these SLS representatives that I didnt receive their Letter of Denial until I had requested a SLS representative to fax it to me on XX/XX/2019, since it was never mailed out and this was the first I had heard about the denial! Once I received this Denial it didnt state any details of how I was denied, what information was used by SLS to come to their conclusion. I have a right to check these facts for accuracy since I have recently qualified for 4 other modifications ; therefore, I am suspicious that there was an error in their calculations which resulted in a denial decision. On XX/XX/2019 SLS Rep. XXXX ( refused to give me an ID or last name ), at XXXX and again at XXXX XX/XX/2019, denied me the right to speak to a supervisor on both occasions. She stated that SLS had sent out their Denial Letter on XX/XX/2019 and that I had no options but to adhere to a short sale or deed in lieu, and the fact that I didnt actually receive it until SLS faxed it to me didnt matter to her. It is very clear to me that SLS has intended to steal my property away from me by not informing me of this Denial in order to trip me up on getting my Appeal out before XX/XX/XXXX, ( which I have caught and sent out already to them prior to this cut-off date ), but have yet to receive the facts pertaining to this denial. I am disputing their violations of my right to 30 days to review ONCE I have actually received the information that I have repeatedly asked for verbally and in writing. Once I receive this information I legally have a right to 30 days to seek legal counsel and review this decision to be sure the facts they used to determine this denial are based in accuracy and is current. SLS is using these illegal tactics in order to go through with a set sale date of XX/XX/2019 instead of working with me in good faith for a fair modification. These actions are obvious, as SLS is desperately attempting to bend the rules and laws set in place so that they can deny a homeowner the actual time to respond and the transparency of fairly providing the details of the alleged denial facts it was based on. Thank you for your time and efforts and I do intend to keep my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-05

Indianapolis, IN

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-05

Poway, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-04

CT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have a mortgage that was assigned to Specialized Loan Servicing, LLC in XXXX or so. I just received my yearly escrow analysis. They indicated I have a shortage of {$1000.00}. MY taxes have been relatively stable for the last few years, only increasing about {$50.00} per year. Total taxes are around {$6000.00}. Insurance is not escrowed, I pay it direct. In XXXX, Connecticut, taxes are due XX/XX/XXXX and XX/XX/XXXX. Really, due by the end of each of those months. On the escrow analysis, it would appear the are performing a " pre-accrual '' in violation of CFR 1024.17. They have the taxes being deducted in XXXX rather than XXXX, and thus are artificially creating a negative balance in the account. Payments are roughly {$500.00} per month, so obviously deducting a payment two months early creates a {$1000.00} deficit. Under my understanding, this is a clear problem under the regulation above. Prior analysis ( XXXX and XXXX are provided ) were always done with taxes coming out in XXXX and XXXX, and there was never a problem ( or if there was a shortage, it was about {$20.00} for the year ). They have not taken my call. I sat on hold and they programmed an automatic callback that never comes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Brentwood, NC

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: I have attached evidence that may be of assistance in your internal investigation, although confused I hope that I can retrieve more accurate answers that will bring me closer to understanding damages. Please Note : I received a XXXX package on XX/XX/2019 from a XXXX XXXX with Specialized Loan Servicing, LLC, aka : SLS ( Exhibit # 1 ) In the package was my documents that never were processed that were mailed XXXX and recieved by a XXXX XXXX in the XXXX Office of Judicial Records. Date, time and deliver have been furnished. In confusion, the documents that I received in this package excluded my Certificate of Service address to XXXX XXXX XXXX, XXXX ... ( Exhibit # 2, # 3 ) Inside the XXXX package was another package that was addressed with my name but SLS address. ( Exhibit # 4 ). Inside the white package with my name but incorrect address was my documents with the initial 2 pageS being a " Notice of Rejected / Returned Documents, '' from a XXXX, Clerk of OFFICE OF JUDICIAL RECORDS. ( Exhibit # 5 & # 6 ) PLEASE NOTE, on XX/XX/2019 the Electronic Filing was effective. My documents were lost per the Office of Judicial Records, never processed and forwarded to the Judge, and my cashiers check for {$310.00} was returned to me? This is unprofessional, unethical, and unlawful. I am very confused and have no answers, in addition I lost my property over negligence and fraud from the Plaintiff, the Law Firm of XXXX XXXX XXXX, XXXX and the downline of Servicer 's who never possessed the authentic Note and Mortgage. I stand very firm in my argument that is supported with substantial evidence that these conspirators are trying to suppress. " Rather fail with honor than succeed by fraud '' ... ..XXXX Mr. XXXX XXXX XXXX , I look forward to your response and thank you for your time in advance. Respectfully Submitted, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-04

Clermont, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage company, SLS, did not pay my XXXX county property taxes, despite me paying escrow every month. I was never informed of the nonpayment, and I just found out ( XX/XX/XXXX XXXX on my own accord that I am delinquent and owe {$5100.00} in back taxes ( which is {$680.00} more than the original tax bill of {$4500.00}, because of late penalties ). For background, I purchased the house in XX/XX/XXXX and another company ( XXXX ) originally held the loan. The loan was transferred to SLS, effective XX/XX/XXXX. Taxes were due XX/XX/XXXX. As a side note, SLS did provide me a {$4500.00} " refund '' via U.S. mail in late XX/XX/XXXX ( after SLS had conducted its annual escrow analysis of my account ). However, the only context SLS provided about this refund was that the payment was because of an " escrow overage. '' Again, at the time, they were unaware they had never paid my XXXX taxes. Phone records will show that I called SLS after receiving the check and asked what it was for. I asked the representative two or three times if I owed this money to the government and he said no, the money is yours ... it's just from an overage. To reiterate, at no point did SLS or the representative inform me that the {$4500.00} overage reimbursement was for taxes. When I spoke to SLS a few days ago ( XX/XX/XXXX ), they were surprised to learn they had never paid the taxes from XXXX. They have since paid the back tax bill, covering only the fees. They charged me with the principle, which I now have to pay as an escrow shortage.
Company Response: Closed with explanation

Timely Response

2019-09-04

VA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I sold my property at XXXX XXXX XXXX, XXXX, VA XXXX on XX/XX/2019 and the mortgage company, Specialized Loan Servicing, was paid in full on that date. My Loan number with SLS was XXXX. The payoff amount of {$420000.00}. This payoff amount was good through XX/XX/2019 it included a daily interest calculation of {$120.00} and a late fee of {$150.00} in the event that the loan closed on XX/XX/XXXX. Since the loan closed on XX/XX/XXXX, SLS owes me a refund of 16 days interest and the late fee. I calculate the total as {$2000.00}. I have called SLS 5 times regarding this matter and they seem to act like they don't know what I'm talking about, or a different department handles it, but they won't transer me, or they are working on it and the check is in the mail. I have also asked to speak with a supervisor and was told that one would call me back within 48 hours and that never happened. I have two requests. The first request is that I get my refund. My second request is that SLS be investigated for fraud because I believe that this is a practice for them and they are stealing lots of folks refunds because many people don't understand the process of getting a refund based on closing date.
Company Response: Closed with explanation

Timely Response

2019-09-03

Lynn Haven, FL

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-03

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-03

VT

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I currently have a mortgage with Specialized Loan Servicing. Recently my city tax bill came in and it was incorrect as there was an error on my XXXX taxes. I was to receive a credit from the State of VT which is sent directly to the City of XXXX XXXX for our property taxes. Specialized Loan Services ( SLS ) had already paid our XX/XX/XXXX taxes but paid too much. They even sent me a check for {$1500.00} since I apparently an overage in my escrow account. This check was received at the end of XXXX. I started calling on XX/XX/XXXX to 1 ) send them a copy of the NEW tax bill and 2 ), request an escrow analysis be done since my property taxes were now paid thru XX/XX/XXXX. I've called each week since then, have been promised a resolution and call back and nothing. They give me an email address to send my tax bill to and then say it was not received. To speak with a supervisor is to wait another 4-5 days. My last call was on XX/XX/XXXX with XXXX - # XXXX who promised me a call back and never called. All I want to do it pay the CORRECT amount on my mortgage but they are asking me to pay more with erroneous monthly statements. I feel my rights are being violated and I now have payment to the city I live in for my taxes thru next year. Nothing is being resolved and I'm at a loss.
Company Response: Closed with explanation

Timely Response

2019-09-03

Saint Helens, OR

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2019-09-03

East Rockaway, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-09-03

Plattekill, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: 1. XXXX XXXX XXXX XXXX as Trustee for the Bebefit of the XXXX XXXX Asset Backed certificates, Series XXXX1 2. Specialized Loan Servicing 3. XXXX XXXX XXXX 4. XXXX 5. XXXX County Clerks Office 6. New York State Court, XXXX New York 7. New York Bankruptcy Court, XXXX, New York I have been in a 12 year battle against mortgage fraud. I am facing an illegal foreclosure. The above entities along with their attorneys have relentlessly pursued me to illegally gain possesion of my home. Attached you will find evidence and facts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response