Specialized Loan Servicing LLC

2015-04-06

Lilburn, GA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-04

Soquel, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SCAM ARTIST - Specialized Loan Servicing , LLC XXXX XXXX XXXX, XXXX, CO XXXX - DEBT COLLECTOR, as printed on their Notice ; XXXX XXXX XXXX, XXXX. Received today a Notice dated XXXX/XXXX/XXXX " purportedly '' from XXXX XXXX XXXX XXXX advising of service transfer of an alleged loan to this company, but payments to be remitted to a GA address effective XXXX/XXXX/XXXX - P.O. XXXX XXXX XXXX, GA XXXX. SCAM artist collecting for an alleged account that has already been closed in XXXX, and reflected as such in Credit Bureaus. Additionally, the following are marks of intentional misrepresentation and considered Fraud under 15USC 1692e:1. Notice says : " this communication is provided..with regard to our secured lien on the above referenced property '' ... If they are " purporting to be a servicer '' - they can not be the owner of a lien - 15USC 1641f1-f2, albeit alleged account is already closed. 2. Notice itself bears an XXXX letterhead - but only a photocopy- not original. Also, XXXX 's address XXXX, IA - has been replaced with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ( XXXX ). 3. Notice does not indicate alleged account 's principal balance. The facts - account has closed in XXXX ; XXXX made an illegal attempt to collect in XXXX but after failed Debt Validation which involved CFPB, XXXX Office in CA and XXXX 's XXXX XXXX - Office of Consumer Ombudsman for XXXX - XXXX issued a letter advising XXXX to disregard XXXX 's collection letter. XXXX XXXX XXXX was also hired by XXXX to illegally attempt to collect - but could not validate alleged debt - and has since STOPPED further collection efforts after a Cease and Desist was issued on XXXX XXXX. FTC Complaint was filed today XXXX/XXXX/XXXX - reference number XXXX. A Debt Validation will also be issued shortly to this Specialized Loan Servicing , LLC. Thank you for helping investigate and enforcing the authority of your Offices to STOP fraudulent and unfair debt collection practices that hurt US Consumers.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-04-03

Anaheim, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I received a bill for XXXX from SLS servicing on XXXX/XXXX/XX/XX/2015, on a Home equity line of credit i had taken out 10 years earlier. It said balloon payment due ( Final notice ), and if i do not pay by 30 days i am subject to foreclosure. This bill was for XXXX, the limit on the HELOC was only XXXX. I paid it off last week, and they deleted the extra amount due to make it the true balance of XXXX. I just do n't want this to happen to anyone else, and if they get an older rich person, they might just have sent them the higher improper amount. Thank you. XXXX will attach a copy of the bill if you want or call me with any questions at XXXX.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-04-02

Mission Hills, KS

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-04-02

Hinkley, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Payment of home equity loan made not properly applied. i made payment of {$2000.00} and out of it about {$170.00} is interest but the Loan servicing is applying most of it towards interest and the rest to principal. I called several time. Looks like they do not care
Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: No Timely Response

2015-04-01

San Diego, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-04-01

Phoenix, AZ

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-04-01

Harsens Is, MI

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Had XXXX mortgage loans w/XXXX bank paying right along since XX/XX/XXXX-XX/XX/XXXX. In XXXX XXXXI was notified that we were XXXX payments behing on each loan. Immediately, we found our receipts and took them into our local branch to show the manager. Told her that when cash was paid at teller counter for these XXXX loans, the teller wrote and posted the wrong payment amounts to the accounts. Just reversed the payments. Easy enough to fix in my mind. Paid XX/XX/XXXX payment. Went to pay XX/XX/XXXX payment and they would not accept it saying that they had already sent loans to XXXX XXXX Attorney in XXXX, NC. Two week later our XX/XX/XXXX payment came back by a check from XXXX. XXXX of the loans would have been paid in full by XX/XX/XXXX, and the other had about 18 months left to pay. During this time we constantly made contact w/XXXX different locations and departmentstrying desperately to find someone who would step up and take some authority to help us. Payment slips were sent XXXX times to different people proving that we were NOT behind on payments. Finally in XXXX we found XXXX XXXX who confirmed over the phone that we were correct and up to date on our payments and apologized for all the trouble. She sent the accounts to a mortgage dept to get things set right and told us not to pay anything on either loan. Still as we continued to make contact with her, she said that they did n't rectify this problem and she could not understand what the delay was. I also want to put in here that XXXX did not document or record ANY of this communication. I did begin to take down dates and people 's names as I realized they were not noting all the communication that was made or what had transpired with each phone contact. By XX/XX/XXXX I could n't take the stress and loss of sleep from worrying over this, and from getting run around in circles for 6 months with this bank. My husband continued the fight and upon trying to get back with XXXX XXXX he were told she had resigned from the bank. Back to square one. Much contact transpired between XX/XX/XXXX and today with no help to set this situation right. We have contacted our State Attorney and then XXXX. XXXX told them that the payments were applied but will not take the fees accrued for their mistake so we can pay what is truly owed on these loans. We also have gotten our own lawyer at our own expense to help rectify XXXX mistake. In XX/XX/XXXX we received a letter stating that XXXX sold our loans on XX/XX/XXXX toSLS in XXXX XXXX, XXXX XXXX supposedly has no more to do with this problem. SLS is telling us we still owe back to XX/XX/XXXX and ALL the accrued late fees and attorney fees that this problem has caused. These fees were all accumulated because of XXXXXXXXaccounting errors and we are /now suppose to be responsible for them?? We have even tried to offer SLS a fair settle amount in a one-time, lump payment to handle this situation, but they act like they do n't even hear us. That is what we were hoping to be able to do because we are told by XX/XX/XXXX they will take our home. We have also tried to get them to let us begin to pay our loan as before without fees imposed on us by XXXX mistake, but they still do n't respond. We have been paying for this home for 15 years and have XXXX children and can not lose it due to an unreputable, and dishonest bank. Please help us!!! Unfortunately, I have no way to scan and upload my payment receipts or any other proof of our good faith to our commitment to repay this loan..
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-31

Santa Ana, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I 'm a consumer with a very serious mortgage problem. I 'll try to explain the best I can. I bought my primary residence in California back in XXXX of XXXX through an Interest only, XXXX/XXXX/XXXX Adjustable Rate Mortgage loan granted by the extinct XXXX XXXX XXXX, now acquired by XXXX XXXX XXXX. At that time I was working in XXXX XXXX and could afford that type of loan until the market crashed and I was out of the market and immerse in debts. Then I started working for a local Loan Modification Office and with that office I could get an initial modification of my XXXX note. Everything was running smoothly with my mortgage payment until the California Senate Bill 94, XXXX XXXX, XXXX, that force that company I was working for, to close door which left me without income again. I do not have to say, I was behind in my mortgage for several months, for a XXXX time, and looking for jobs for several months, until a got hire as a XXXX in a Mortgage company. Soon, XXXX XXXX XXXX transfer services to Specialized Loan Servicing LLC who is the institutions that holds the Note on my primary home. Though, I have not clear who the owner of my Note is : either, XXXX XXXX XXXX or XXXX XXXX. Nevertheless, I have been trying a new Modification with the Servicer I just mentioned FOR TWO YEARS and this Servicer keeps requesting the same docs for months, and telling me my case is in review every time I call and talked to the several Relationship Managers I have had so far, and my debt is growing every month and hard to repay without a plan. In the meantime, I received a NOD at XXXX/XXXX/XXXX, the time is running out and I have come to believe the Servicer is leading me to believe it is " considering '' my request in good faith, when in reality it is marching through the foreclosure process, as you can see, very quickly! Then, I 'll be " turned down '' for that loan modification just before the foreclosure sale. Please, help me to find an answer before it 's too late for me and my family. I have sent a package to SLS AGAIN! Thank you very much!
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-30

Chandler, AZ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-29

Bellaire, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: It is with great sadness that I submit this complaint toward SLS. We have fallen behind in our mortgage payments due a change in our income. My husband is a XXXX veteran who just completed XXXX years of service. Due to this we 've had a significant change in income. For a few months he was unemployed only receving XXXX and I XXXX XXXX for XXXX, XXXX and XXXX. My husband is currently employed as of XXXX of 2014 with the XXXX and has applied and will be receiving his veterans XXXX. We have made several attempts to get a modification and have hit brick wall after brick wall. First they said they did n't have all documents so I faxed them again then received a denial. I faxed in an appeal and letter of intent now mind you the first denial took weeks and weeks but when I sent in the next fax I was told it takes 24 to 48 hours to have the documents uploaded however at that time when I called I was told it was denied for all options they received them XXXX day and denied all options the next. I thought that was crazy. I was told I can send in another appeal which I did. After reviewing my documents I was told they see the increase and will review but then after not hearing from them I called and was told it was denied because we have exceeded the amounts of modification based on their guidelines. I sent a letter stating that we should not be penalized for the previous modification because it was part of the XXXX. This week I called again and spoke with another rep, I 've never ever talked to whomever was my assigned person because he or she was never available and if a message was left call was never returned. The rep that I spoke with this week said a denial letter was sent, but I have not received it that states the reason for the denial and that there is no other options available but short sale under HAFA or foreclosure. I 'm at my wits end about the whole ordeal. I am afraid of the affect this will have on my husband as he has XXXX and the stress of the possibility of losing our home. I 'm praying for resolution in this issue.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-29

Woodland Hills, 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

2015-03-28

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.
Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-27

Naples, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2015-03-25

Keyport, WA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: Please help me as a loan servicer, XXXX Mortgage, has erroneously reported foreclosure debt forgiveness income to the IRS on a XXXX, and they seem unable to fix it! I did not have any debt or a foreclosure with XXXX! Here is some history : I executed a deed-in-lieu with XXXX XXXX XXXX in XXXX XXXX. In XXXX XXXX I was notified that they had transferred my " loan '' to another servicer, Specialized Loan Servicing ( SLS ). This was obviously a mistake as XXXX owned the property at this point. It took most of XXXX to work with SLS management to get my account closed, and I filed a complaint with CFPB ( Case number XXXX ). Unfortunately, in XXXX XXXX SLS transferred my " account '' to yet another servicer, XXXX, even though my account was closed! I was furious, but SLS said there was no way to stop the data transfer. SLS assured me XXXX would clear up the matter quickly as it was obvious I did not actually owe debt. Then in XXXX XXXX I received a XXXX for " debt forgiveness '' from SLS, as they had closed my account as a foreclosure! ( I had of course already received a XXXX from XXXX for tax year XXXX. ) Over the next several months I worked with SLS managers to get the XXXX rescinded from the IRS, get the duplicate foreclosure and delinquent payment reporting off my credit report, and worked with XXXX to get my account closed. All these issues take so long because every time I call these companies I have to wait 30-60 minutes on hold before I get through, and when I do, most of the time the customer service rep does n't know what to do, transfers me to the wrong department, or tells me they ca n't help. Any investigation into my documents requires I engage some " research department '' whom I can not contact directly for status. Customer service reps often misinterpret the research dept 's status, telling me the issue is resolved when it is not. Finally, XXXX closed my account around XXXX XXXX. My Current Situation : In XXXX XXXX, I received another XXXX for " debt forgiveness '' from XXXX! This is because, when they finally closed my account, they documented it in their computer system as a " foreclosure '' which automatically generates a XXXX Over two months and XXXX or XXXX phone calls later, I have still not gotten XXXX to rescind the XXXX. I have been given the name of a manager who apparently says he is going to work the issue with " the corporate office '', however I can not contact him directly. I am getting really worried as I have to file my taxes in a few weeks and I can not do so with {$150000.00} of false " income '' being reported to the IRS. I am very concerned as my financial information and credit reputation are in the hands of dysfunctional companies staffed with incompetent people whose slightest error can cause me hundreds of hours of work. I am very concerned that XXXX will not rescind the XXXX in time for me to file my taxes. I am very concerned that somehow, though my account is closed, my information will be transferred to another servicer who will start trying to bill me for a property I do not own. Attached is documentation of this issue, from the original XXXX with XXXX XXXX XXXX, through SLS, to XXXX. Please warn all three of these institutions not to transfer my closed accounts. This last bout with XXXX has caused me a great deal of stress. Please help me with the following : - Get XXXX to rescind the erroneous XXXX AS SOON AS POSSIBLE ( 2 weeks or less ). - Get XXXX to guarantee they will not transfer my information to another lender. Would rather they delete me from their system. Thank you. I believed filing a CFPB complaint helped me with SLS and I 'm glad to have this recourse available. XXXX XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-03-25

Campton Hills, IL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-23

Santa Fe Springs, 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

2015-03-23

Vero Beach, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-03-23

Miller Place, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-22

Kearns, UT

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

2015-03-22

Woodmoor, CO

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Company Response: Closed with explanation

Disputed: No Timely Response

2015-03-22

Fountainville, PA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage was serviced by XXXX XXXX XXXX. They denied a modification for a lower interest rate which I requested. I fell further behind in payments while the underwriters drug their feet. The servicing was sold to a company called SLs. This company runs a scam in which they request docs you 've already sent them, so they effictevily string you along until they can forclose. I 've sent the requested documentation ( bank statements, tax returns, hardship letters etc etc ) multiple times, to no avail. No return calls, no assistance. My goal is to keep my home, and obtain a fixed rate, fair mortgage. And get out of the current scam of SLS.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-03-22

Keyport, WA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Specialied Loan Services refused to modify my mortgage and tired to foreclosed my home. They refused to set a face to face meeting based on Washington State Law for a mediation. I have been trying to contact them by mail and phone and have been waiting for several months but no one from SLS contact me. They sent my home loan to their Attorney to pursue foreclosure. I do n't know who to turn to for help. I contacted the Local Housing Counselor for help but did n't get anywhere.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response