Specialized Loan Servicing LLC

2015-08-21

Los Angeles, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-20

Willis, MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-20

Milwaukee, WI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had my home mortgage with XXXX Bank with monthly payments of {$520.00} dollars. My mortgage got sold to SLS ( Specialized Loan Services Company with address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX. SLS company has continuously increased my mortgage payment from {$520.00} up to {$2100.00} in some instances. Please refer to letter with a detailed description of each monthly payment and all monthly mortgage increases from SLS. I urgently need your help in order to resoleve this matter.XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXSpecialized Loan ServicesAttention : Executive DepartmentXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX, XXXX : Request for Loan Payment History from XX/XX/XXXX to XX/XX/XXXX and reasons for charging all " Other fees '', " corporate fees '' and many " other fees increasing my mortgage payment by 50 %. Dear Sir/Madam, My loan number XXXX was purchased from XXXX Bank by your company, SLS ( Specialized Loan Services ) since XX/XX/XXXX. I made my timely payment to XXXX for the months of XX/XX/XXXX and XX/XX/XXXX because I was unaware of my mortgage being sold by XXXX Bank to your company. Unfortunately your company did not credit my loan account. Instead your company over charged me retroactively for the months of XX/XX/XXXX and XX/XX/XXXX. Furthermore, your company has consistently increased my monthly mortgage payment in some cases from {$580.00} to {$2100.00}. Please see below a summary of my payments which I retrieved from my bank statements. Please notice that this list is " not-all inclusive ''. There were at least XXXX additional payments made via phone for which I did not see any credits to my loan number with your companyDATEMONTHLY MORTGAGE PAYMENT SET BY CLOSING DOCUMENTS WITH XXXX BANK MORTGAGE AMOUNT CHARGED BY SLS ( SPECIALIZED LOAN SERVICES ) MORTGAGE PAYMENTS MADE BY ME ( XXXX XXXX ) TO YOUR SLS COMPANY MORTGAGE AMOUNT INCREASE FORCED BY SLS ( SPECIALIZED LOAN SERVICES ) TO XXXX XXXX 'S MORTGAGE WITHOUT ANY ADVANCED NOTICE OR EXPLANATIONXX/XX/XXXX {$520.00} {$580.00} {$580.00} $ XXXX {$520.00} {$590.00} {$580.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$590.00} {$590.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$2100.00} {$2100.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$730.00} {$730.00} $ XXXX Mortgage Payments Made BY XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX TO SLS XXXX Mortgage Amounts charged by SLS from XX/XX/XXXX to XXXX XXXX mortgage amount increase by SLS and forced for payment to XXXX XXXX 's loan # XXXX $ XXXX Mortgage Amount from XXXX 2014 to XXXX 2015 XXXX XXXX only had to pay according to XXXX Bank Closing papers {$520.00} X XXXX Months = XXXX XXXX Mortgage Overpayment made by XXXX XXXX under demands and pressures of SLS ( Specialized Loan Services ) otherwise they threaten to foreclose on XXXX XXXX House $ XXXX $ XXXX {$2200.00} After reviewing table above it is obvious that SLS ( Specialized Loan Services Company is using predatory lending practices in order to force me into foreclosure. Furthermore, SLS ( Specialized Loan Services ) has deprived me from accessing my house since XX/XX/XXXX. Even though my mortgage paymen5ts were made on time until previous month, XX/XX/XXXX. The front door and locks of my house located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX, were changed by SLS Company. I had to drive back all the way from XXXX, XXXX to XXXX, XXXX where my son lives in order to have a place to stay. Despite my numerous phone calls, emails, faxes and letters sent via fax and certified mail, SLS ( Specialized Loan Services Company ) is still reluctant to let me into my own house and tot stop their overcharges.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-19

Orlando, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Farmington, NM

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Spg Valley Lk, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-18

Warrenton, VA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I purchased a house back in XXXX with an XXXX/XXXX/XXXX loan. The loan was mainly an interest only loan. In the XX/XX/XXXX my wife and I divorced and neither one of us could afford the house and it went to foreclosure and was sold on XXXX/XXXX/XXXX. Since that time frame roughly XXXX years the XXXX mortgage company SLS has continued to show their portion of the loan on my credit account and are not cooperating with resolving this issue. They have never sent any legal notification that they were pursuing payment for their portion of the loan.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-17

Silver Spring, MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-13

Springfield, MO

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-13

Bonaventure, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

Bohemia, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-13

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-12

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-12

Shulerville, SC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: SLS continues to request the same documents over and over again, even though they tell me over the phone they have them in their system. They have XXXX copies now of the complete short sale package. My property is in foreclosure and we have an active buyer that is ready to move on now. I feel SLS is not handling this manor in a professional way. They have called me names over the phone, asked me if I work at XXXX XXXX, while thinking they had the phone on mute. I have requested to speak to a supervisor.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-12

MD

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: An Affidavit of Truth Final Opportunity To Cure was sent to representative ( s ) and/or Agent ( s ) of SLS Loan Servicing on XXXX XXXX, 2015 pursuant to the federal FDCPA and Title 15 section 1241 of the Real Estate Protection Act. SLS was required to respond to questions pursuant to the FDCPA in thirty ( 30 ) days. SLS has dishonored. SLS has also failed to timely respond to issues pursuant to " RESPA ''. SLS in addition to XXXX XXXX XXXX, XXXX lack standing in this matter and claims that a debt is owed to them are frivolous. SLS in addition to XXXX XXXX XXXX have had more than enough time to Cure their Fault. SLS continues to hinder my life & liberty with inaccurate reporting on my Consumer Credit Report. SLS claim is on its face and I have supported all facts with material evidence. This is my final attempt to obtain private remedy before moving my complaint to a court of competent jurisdiction.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-08-11

Evanston, IL

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Baltimore, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Glenn Heights, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Brooklyn, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XX/XX/XXXX I submitted a HAMP modification application. While XXXXmy application was pending, in XX/XX/XXXX, I contacted my SLS Point of Contact to inform SLS that my wife 's income source had changed. The SLS Point of Contact suggested that I re-send the income portion of the RMA to reflect the updated information. I followed his suggestion and re-submitted the RMA in XX/XX/XXXX. When I subsequently called to follow up, I was told by a different SLS representative that they did not accept the updated information, and that I needed to re-submit an entire new application. I then submitted a complete new application on XX/XX/XXXX. Yet another SLS representative confirmed receipt of my application, but told me that there was an outstanding issue regarding my ex-wife. I explained that I had been divorced for over five years, that the property was awarded to me in the divorce settlement, that my ex-wife had returned to XXXX permanently, and that I had already provided SLS with, on numerous occasions, the divorce decree and quitclaim deed executed by my ex-wife. When informed of this, the SLS representative told me that he would accelerate the case with my supervisors. When I called back to follow up two weeks later, I was told that the issue had not been resolved, and that I would need to re-submit an entirely new modification application, despite the fact that it had been less than a month from my previous complete submission. I sent yet another complete modification submission on XX/XX/XXXX, but my Point of Contact did not return repeated messages to confirm receipt. In XXXX I received a letter from SLS denying me for all programs because " you did not provide us with the documents requested '' and reference an alleged prior missing document letter that I never received. It seems as though SLS based their denial on the XX/XX/XXXX submission and never even reviewed the three XXXX 3 XXXX more recent modification applications that they themselves requested and they did so despite numerous telephone conversations discussing the new information that was provided, and confirmation from their representatives that the requested documents were received. I again spoke with an SLS rep ( " XXXX '' ) on XX/XX/XXXX, who told me that it was my fault that I submitted the wrong documents to SLS, and that my updated documents could not replace the original RMA submitted in XXXX. She told me that once again I needed to submit an entirely new application for modification. I submitted an updated, complete, new package once again on XX/XX/XXXX via XXXX. Three days later, I received a letter from SLS ( attached ) confirming documents received, but incredibly, the letter references the documents I submitted back in XXXX instead of the updated documents! I have complied with four separate requests for complete new packages since XX/XX/XXXX and yet, apparently, SLS has not updated their system to reflect all the new information provided. Instead, they cause needless delay while the foreclosure moves forward. Please help.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-11

Grand View, ID

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: Original Debt Collector XXXX XXXX XXXX signed a note with us for a reduced debt to be collected with the promise we pay back this debt monthly with no interest ( $ XXXX ). We 've paid this debt continually and on time for 3 yrs. until they sold the debt to Specialized Loan Servicing LLC ( SLS ). SLS claims they did not receive any paperwork of the reduced debt and are now trying to collect the whole sum. I 've sent them the note ( notarized ), I 've sent all my bank statements as proof of uninterrupted payments. THEY still do not believe me. I 'm exhausted with 7 months of this go around. They state XXXX will not communicate the debt to them. We are stuck in the middle. It is not our problem that XXXX sold them a debt that they did not confirm.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Denver, CO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-11

Tarzana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Hello. My complaint is with SLS XXXX XXXX XXXX, XXXX XXXX XXXX co, XXXXthey are servicing my loan, in which i am in the midst of loan modification. They are in the habit of waiting an hour before my trustee sale to notify me of missing documents. I had a trustee sale date set for XXXX XXXX, and up until XXXX XXXX i was told that my package was complete. i was following up with them every 2 hours to make sure i had a complete package and on XXXX XXXX, i was notified a document was missing and if i sent that document to them, they would postpone the trustee sale. I did send that document 10 times, they received it and told me they wre postponing the trustee sale. at XXXX XXXX on XXXX XXXX, one of their employees advised me that i was misinformed about postponign and the bank is proceeding with the trustee sale as planned. it was too late for me to take any action, even if i was to reinstate my acct, it was too late. I did a bankruptcy at XXXX XXXX that same day to postpone the trustee sale and schedule some kind of reppayment plan. the trustee sale was postponed bcuz of the bk and they started reviewing my loan modification it has been a month, no response, and i have trustee sale set on XXXX XXXX. i am asking them to postpone the sale since all the documents are in, and i am being reviewed. but they are not postponing. they are waiting as before to the last minute to deny me or advise me of documents missing. can you imagine, one whole month has passed and they are not doing anything with my file and waiting for the day of trustee sale to advise me of status. I am requesting for them to postpone the trustee sale since all documents are in and i am being reviewd. it is not fair for me to be notified of a denial decision the day before the trustee sale at XXXX XXXX. please review their procedures to see if they are within rules of the law.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-08-10

Foothill Ranch, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is an addendum to claim # XXXX XXXX XXXX XXXXSLS purchased my loan from XXXX on XXXX/XXXX/XXXX Once again they will not speak with me regarding my loan - My daughter and I went on a XXXX party call to SLS and we weretold unless they receive XXXX party authorization form signed we can not do anything. My daughter who is a Real Estate Agent went online and printed another formand we faxed to SLS - during our brief conversation with SLS I stated all thepayment information they have on file is incorrect - they say I paid no paymentsand I paid every payment due SLS - the only payment unpaid is on XXXX would not speak to me and I paid XXXX extra on my additional paymentsto make up for the XXXX XXXX payment. On Friday, XXXX XXXX XXXX XXXX I received aletter from SLS stating on XXXX/XXXX/XXXX MY HOUSE IS GOING INTO FORECLOSUREBECAUSE MY PAYMENTS HAVE NOT BEEN PAID SINCE XXXX/XXXX/XXXX - I PAIDevery one due to SLS - where is all my money going? How do I fight somethinglike this??? I am going to XXXX XXXX XXXX and getting copies of all of my paymentsbut I am afraid they are trying to take my condo from me - this has been going onfor 8 years and it is not fair to do this to seniors. I have made all payments, I havecalled XXXX times and left messages - no response - I have sent every form theyrequested plus additional correspondence I had. I sent copy of Certified letterto XXXX in XXXX with my Assumption Package - no response - I would liketo post this for others to see how XXXX and its subsidiary SLS handle customers. If I do n't have a XXXX, it will be a miracle. I asked the Ombudsman to please look into this mess - hopefully we can get a resolutionon both sides.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-10

NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My current lender, SLS, took over my mortgage. They now claim that my townhouse is in a flood zone, even though the other XXXX units do not have flood coverage either. A neighbor recently refinanced, and also did not need flood insurance. Out of curiosity, I did contact a few insurance agents for flood insurance quotes, and these agents questioned why I would need flood insurance, and they should be wanting to sell me business! I then obtained documentation from FEMA saying that our structures were not in the flood zone, the parking lot is actually adjacent to the flood zone. I provided this documentation to SLS, and they said they were still going to go forward and purchase flood insurance on my behalf, and of course charge me. This is outrageous, as I mentioned, as my FEMA documentation ( pulled XXXX/XXXX/15 ) clearly indicates that none of our complex 's units are actually in a flood zone. They also indicated that I would have to contact FEMA to dispute this- but FEMA already indicated that our units were not in the flood zone. Each time I call SLS to talk about this situation, I get a different story from different representatives. They are not receptive at all, and actually make the customer feel inferior.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-08-08

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage is currently being handled by SLS beginning on XXXX 2015, prior to this it was being handled by XXXX. On XXXX XXXX, 2015, I sent XXXX a letter requesting to remove my escrow ( homeowners insurance and property taxes ) from my mortgage. They refuse to do this and claim that I need a professional appraisal and state that my loan to value on my home is 91.15 % which is erroneous. I will be attaching proof ( Comparative Market Analysis done recently on XXXX XXXX, 2015 on the neighbor 's home and a Comparable Properties Report including my home ) both of which show that all the homes in my immediate area are in the $ XXXX value range. I currently owe less then $ XXXX on my home, therefore making the stated LTV by SLS incorrect. I am asking for your assistance in removing my escrow account from my mortgage since my numerous attempts with SLS have been unsuccessful. I am going to attach all correspondence with SLS and the escrow account disclosure statement.
Company Response: Closed with explanation

Disputed: Yes Timely Response