Specialized Loan Servicing LLC

2016-04-29

Washington, DC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed 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

2016-04-28

Duluth, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed 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

2016-04-28

Fort Washington, MD

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

2016-04-28

Firestone, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed 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

2016-04-28

Burlingame, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My loan servicer, Specialized Loan Servicing, placed forced insurance on my account for hazard insurance. I am part of an HOA that pays for this as part of the dues, and so I have been trying to get proof of this to Specialized Loan Servicing ever since they added impounds to my account. Not only are they impossible to get a hold of on the phone ( any time I call their automated system says the wait time is greater than 15 minutes and offers a call-back option. I have yet to receive a call back earlier than a DAY later ) but they do not list a means of contacting them via email! I have faxed them my information several times, with a cover letter showing my Specialized Loan Servicing loan number, my email at which I have asked to be contacted at and my request to have impounds removed -- I have never received any attempt to reach back out to me. When going to their website to try to find an email through which I can electronically send them the information, the only description available is this : " To reach us by E-mail : You may email your request to Customer Care Support by logging into your account, then select Contact Us and follow the instructions to contact us via email. '' THAT IS FROM THEIR " CONTACT US '' PAGE, AND NO FURTHER INFORMATION ABOUT EMAIL IS GIVEN!!!!! I am losing XXXX dollars a month because these crooks have made it impossible to provide them the information they are requesting. Please help put an end to this -- I feel utterly trapped because I do not have the option to take my business elsewhere.
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

2016-04-28

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Complaint against mortgage lender Specialized Loan Servicing LLC. Payment : In XXXX 2016 my mortgage loan was recently assigned to the new servicer called Specialized Loan Servicing LLC. From the time they took over I was having many difficulties with them. I experienced the worst customer service from them They initially did not have an option to pay online and they did not send me letter timely so that I would not be late in making payment. I have to do my own research and then call them to make the payment. The process was very difficult and I had to be on hold for a very long period of time. I made my first payment with the agent and at the same time I requested them representative to setup a recurring payment. They were able to get my payment however when they setup the recurring payment they used an incorrect account number, so they never received the payment. Then I had to take the initiative and call them and be on hold for long time so that I can make my XXXX payment, and I am hoping that they will collect the payment for next month correctly. They are doing these things so that they can collect a late fee from me. Escrow account : I did not have any escrow account with them and yet I had a debit balance in the account. I called them several times to either apply that fund toward the principal or send me a check. Instead of doing that they established an escrow account made some payment some to somebody and never contact me to let what they are doing and why they are doing. I am responsible for making payment for home insurance and for property taxes and I am up to date for all those payments, so I am not sure why they established the escrow account. I called them and faxed them requesting for a response and they are not giving me a response. They put me on hold for very long time and then they are telling me to wait for a response later.
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

2016-04-27

Flint, MI

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

2016-04-27

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed 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

2016-04-27

Chesapeake, VA

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

2016-04-27

NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I initially had a CONSTRUCTION LOAN with XXXX XXXX XXXX ( loan # XXXX ) until XXXX XXXX XXXX acquired the bank, along with the loan ( loan # XXXX ). I had issues with this loan with XXXX XXXX XXXX but rather than resolve them, they first put my home in foreclosure only to later Voluntary Dismiss the foreclosure and then reportedly " transferred '' it to SLS ( loan # XXXX ) as servicer for XXXX, XXXX in trust for XXXX XXXX XXXX XXXX XXXX XXXX ( investor # XXXX ). However, the same problems/issues with the loan before the " transfer '' are still present. Instead of SLS resolving them they have put my home in foreclosure. Specifically my complaints are of the following : ( 1 ) States on the foreclosure that I had received all requests prior to foreclosure when I had not. ( 2 ) Total debt amount of {$820000.00} as stated on Foreclosure Notice exhibit B is incorrect. SLS has stated in its correspondence that it is going by the Adjustable Rate Note but is n't. Instead, SLS is going by terms of an ambiguous Loan Modification initiated by XXXX XXXX XXXX and carried out by SLS. In this Modification it states that it amends and supplements the Note and the Mortgage Deed of Trust recorded on XXXX XXXX, XXXX. I have not I received a copy of a Note or Deed of Trust recorded on XXXX/XXXX/XXXX that this Agreement amends. Also, I do n't see where this " Agreement '' nullified/cancelled the terms in my original Adjustable Rate Note where it states " I will pay principal and interest ''. ( 3 ) SLS was being deceptive when sending a copy of the Loan Modification Agreement in that they initially sent me a supposed copy but after examining it, I noticed that the signature page was actually of photocopy of the signature page of the Note. When I pointed this out to them, they stated they had a Notarized copy which they did send but even on this one it states there are XXXX pages but I only received XXXX. Also, since it was not recorded this " document '' is dubious since SLS has already shown that the pages can be manipulated/changed. ( 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Law Firm are both acting as Substitute Trustee and filed XXXX separate foreclosure hearings on XXXX/XXXX/XXXX. The XXXX scheduled by XXXX Law Firm as Substitute Trustee had been cancelled by a phone call from them to the Clerk of Court office but the XXXX scheduled by XXXX XXXX XXXX XXXX XXXX as Substitute Trustee had not been. My lawyer stated that clearly there is an issue as to who the Substitute Trustee actually is and asked for a dismissal of the Foreclosure. The Clerk of Court stated, " That 's not how we do it here '' and gave him a post-it-note with a handwritten phone number on it and instructed him to call it. The phone number was for XXXX XXXX Firm. ( 5 ) SLS sent a " Trial Period Modification Plan ''. But there is no actual modification or agreement to review or discuss. This " Plan '' asks for a total of {$27000.00} and did not specifically say what they would do with the money nor does it obligate SLS to actually having to give me a modification if I did send them the money. It was not drawn up like an agreement in that it did n't state what it would be modifying, terms of the modification, principal owed, amount of interest rate, nor did it have a place for signatures as you would expect in an agreement. It appears to be a rouse to show the Clerk of Court that they are attempting to help us and to justify a delay in the Foreclosure Hearing. ( 6 ) In a SLS correspondence also dated XXXX/XXXX/XXXX, XXXX states it had reviewed my application for a foreclosure prevention option and on one part of it stated that I was denied a Standard Repayment Plan because " Review of your financials indicates that a repayment plan is not affordable ; therefore, you are not eligible for a repayment plan. '' I have not sent SLS any financial information to be denied.
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

2016-04-27

Celilo, OR

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Got behind on modified mortgage payments. Received letter from SLS, LLC to catch up all payments or will go into foreclosure dept. on XXXX/XXXX/16. So we set-up an Informal Payment Agreement Plan. Have made two payments so far. They keep calling me aggressively. 1 ) Can they demand that I set-up my checking a/c with automatic withdrawals until I catch up? Also stated that phone calls would end only if they can secure my checking a/c! 2 ) Can I get the Informal Payment Plan in writing 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: Yes Timely Response

2016-04-26

Okc, OK

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: Yes Timely Response

2016-04-26

Baytown, TX

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

2016-04-26

Antioch, TN

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

2016-04-26

Federal Way, WA

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: Yes Timely Response

2016-04-26

New Albany, OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

2016-04-26

Bridgeport, CT

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

2016-04-26

Long Beach, CA

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

2016-04-26

Aloma, FL

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

2016-04-26

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I made the XXXX/XXXX/16 loan payment of {$2800.00} to SLS and the check was cashed XX/XX/XXXX according to my bank XXXX XXXX. Apparently they posted the funds to someone else 's account. I received a call from SLS after this and have been checking their online system and calling them almost daily. They have been unable to correct their error and now are sending me delinquency notices. I would like to be compensated for my time and have the accounting fixed immediately.
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

2016-04-25

Aliso Viejo, CA

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: Yes Timely Response

2016-04-25

Baltimore, MD

Loan servicing, payments, escrow account

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

2016-04-25

Baltimore, MD

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
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

2016-04-25

Casa Blanca, CA

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

2016-04-25

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
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