Specialized Loan Servicing LLC

2015-06-08

Eagle, ID

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-08

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-05

Los Osos, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Buffalo, NY

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

MA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Re : Specialized Loan Servicing , LLC ( " SLS '' ) In an effort to do a Short Sale on a property that my XXXX year oldmother owns, SLS, has scheduled an auction of the property forXX/XX/2015. We have submitted all requested documents andwere initially told that consideration of the Short Sale process wouldproceed. Upon calling SLS yesterday, my mother was informed that SLShas decided NOT to go ahead with considering the property for ShortSale because we are too close to the auction date. We currently have aCASH offer for the house and are seeking postponement of the sale datein order to be considered for a Short Sale.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-04

Cache, IL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Marietta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-03

Fountainville, PA

Credit decision / Underwriting

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2015-06-03

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Home equity loan service company SLS took over from another home equity loan service company XXXX in XXXX. Since SLS has begun servicing nothing has been correct on my account since, including payments made. Below is a description of the problem. In good faith I have attempted to get resolution with you, ( SLS ), regarding errors to my account to no avail. My account has always been in good standing with you, XXXX I provided proof of all payments for 2015 ) since you took over servicing from XXXX, however my current monthly statement does not reflect so. Each month, proactively, I have called SLS speaking with a number of individuals in executive services and have received acknowledgement my account is n't correct in some way or other and from several individuals been told that you had a number of errors from XXXX accounts that came to you from XXXX including mine. I was also told by XXXX that my monthly payment is n't enough to payoff the entire loan balance under the terms of the modification I completed with XXXX last year and someone needed to complete an audit. From XXXX last month, a review of my account is warranted, monthly payments were n't applied properly and that I would receive a call back from someone within 5 days after a review. Nothing by SLS to audit or correct my account has been completed. Therefore, since you have been negligent in completing a through review of my account and correcting errors, including payments, I am filing a complaint against SLS with the Consumer Financial Protection Bureau an affiliate of the XXXX Treasury that oversees improprieties against consumers. I also have reason to believe that due to my account errors with you my credit rating has been denigrated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-03

Hamburg, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Dear Sirs, We bought our home XXXX yrs ago with XXXX at 11.5 %. We found out shortly after that we were under a preditory loan and could not afford our payments. We tried to sell XXXX after and in that time XXXX went under and our loan went to XXXX. So we had an immediate offer but XXXX turned it down. then a more serious offer came But XXXX turned that XXXX down also! We were sent forclosure papers and sought bankrupsty, when we were hit with the final payback plan and the amount to start our loan again -we could not afford that so we never went to court. We found an expert through XXXX XXXX. We thought finally this would end. It took months to write a wonder proposal and we submitted to XXXX. However they turned it sown and came back with we will put late pymts top end of loan and made us sign papers. The pymnts were more! So then XXXX sold our loan to SLS without our notice. In XXXX I started talking to them and they sent me forms to apply for programs to lower our rates. They said we would not have to make mort pymts while waiting for approval. I was turned down, They imm sent another program offer and another XXXX months went by waiting for approval. Same thing, Turned down. Then another, and yet another. XXXX yrs went by and many months of getting on the phone with them and they say oh we have the papers it looks like you qualify just wait for approval. XXXX XXXX XXXX I got my XXXX not qualified and I screamed at them. They knew full well the math and paper work was all the same but by now we were XXXX yrs behind in mortgage. So they offered us trial agreement by novemeber XXXX ; XXXX XXXX XXXX I borrowed money to start trial. By XXXX I could n't for my life provide enough for mortgage and home expense. I tried but the pymnt were just too high. I asked for a DEED in Lieu. They sent me paperwork talked to them on phone. I sent them document. They come back saying you have to put your house on market. I say you did not say that! So I put it on market. Since XXXX XXXX my house has been on short sale I am now XXXX in the whole. We had a CASH offer in XXXX and guess what SLS turned it down! I have asked and send requesting the DEED in Lieu again however I have had no response. I have called them and they say they can not talk to me because the XXXX lawyer is the only XXXX they will talk too. I have spoken with XXXX of companies over the yrs regarding help. Some legit some dont do anything neighborhood housing, XXXX, XXXX or whatever. Our income is the same I am XXXX broken over this and I feel stuck in this hole. My husband became XXXX too XXXX and pray for help daily- XXXX has kept us here for a reason. I have just begun to seek higher appropriate considering a mortgage lawyer wont even help. I will also search FOC, FCC, FTC, OCC, and other state officials. Please respond with any search or contact that might help. Or maybe You are the end to this nightmare. Please HELP!! Sincerely Hoping
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Greenwood, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was sold to Specialized Loan Servicing late last year. I signed closing documents yesterday to refinance the mortgage. One reason I refinanced was to get away from this company. I had grave concerns about it from reading reviews on XXXX. And now I fear I 've become a victim. I just read the HUD-1 closing statement line by line ( which I unfortunately did not do before signing it yesterday ) and in the payoff information, XXXX claimed a " late charge balance '' of {$150.00} when in fact, my transaction history with SLS shows NO late charges, ever. They also have charged me XXXX separate {$25.00} fees just to provide the payoff information to the new bank. The payoff also includes " 5 extra days '' of interest beyond the date the loan will be funded. I do n't know if this is legal or not. Someone needs to investigate and put a stop to this blatant fraud. I fear I may be stuck paying the bogus charge because I signed the document yesterday before noticing the charge, because the new bank has told me that I have to " take it up with them ''.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

Stafford, VA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-06-02

OH

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Have been out of bankruptcy two years and my mortgage company is n't reporting to the credit bureau, my payment history.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-01

Hialeah, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-31

Temperanceville, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: sls specialized loan servicing llc mortgage brought my mortgage in XX/XX/XXXX and been making it very hard to pay and then adding late fees when I cant get any one to take payment then when I try to pay wont let me they say I owe next month before it even comes thanks for trying to help
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-30

Soquel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Collector can not make any false, deceptive or misleading statements. 15 U.S.C. 1692e, e ( 10 ). Additionally, this alleged debt is IN DISPUTE, reference CFPB Case Number XXXX, and FTC Complaint Number XXXX and a CEASE and DESIST was requested of SLS, which is being IGNORED. SLS had defaulted in the last XXXX Debt Validation request issued by XXXX. SLS defective and non-responsive responses to XXXX DO NOT DEMONSTRATE that SLS has a legal standing to collect. Including herein the XXXX Debt Validation Request documents ; SLS remained SILENT making their OWN ADMISSION that their purported claims have no legal foundation. For purposes of disputing this latest presentment, SLS Statement dated XXXX/XXXX/15- XXXX had issued the XXXX DEBT VALIDATION REQUEST dated XXXX/XXXX/15, via fax transmission, and received at SLS Offices on XXXX/XXXX/15.
Company Response: Company chooses not to provide a public response Closed

Disputed: Yes Timely Response

2015-05-28

Lithonia, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-05-28

Sandy Hook, CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-26

Roxbury, NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-25

UT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We have a mortgage loan. We filed and were discharged from a bankruptcy case. Our payments were all made according to terms agreed upon by our current mortgage holder at the time. During the bankruptcy process our loan was transferred to another company SLS - Specialized Loan Servicing LLC - which is trying to charge us for pre-bankruptcy fees not included in claim filed. They are sending foreclosure notices and are not co-operating with us or the lawyer we have had to hire to protect our interests. We are filing a complaint with you as per our lawyers advise. Please help us - Thank You
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-23

Julian, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2015-05-22

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-05-22

Tulsa, OK

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-05-22

Marion, MT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: No Timely Response