Specialized Loan Servicing LLC
Consumer Complaints
There are over 4954 complaints on file for Specialized Loan Servicing LLC. Dated between 2019-12-06 and 2012-04-23.
Complaints Page 27
2019-04-11
Newport, TN
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: XXXX19 Currently my SLS account report history on XXXX and XXXX still shows negative payment which recently caused a bank lender to refuse to accept a new personal loan.
SLS currently shows : 5 times over 30 days late 5 times over 60 days late 6 times from 90-120 days late I have discussed with my lender on many occasions several to please update this as it is seriously limiting my financial ability to remodel my home and other investments.
Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
MS
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Since XX/XX/XXXX this company Specialized loan servicing has tried to foreclose on our home and we were in bankruptcy. They said we didn't pay for the entire year of XX/XX/XXXX we had receipt then they said the year XX/XX/XXXX. We are now facing the 4th maybe 5th foreclosure attempt since XX/XX/XXXX. No matter what I say they continue to say the same thing. I have sent this information to the attorney general office and it was told to them it was fixed as ofXX/XX/XXXX. And they called me todayXX/XX/XXXX and said we are in foreclosure still for XX/XX/XXXX and we owe XXXX. Before they said they were sending ourXX/XX/XXXX payment back because we had to pay XXXX per XXXX. I need something done about this company that has and is doing this to me as we as my family. We tried everyone the attorney general office is back on this because it was suppose to be completed since they call again with the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Clermont, FL
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: The company Specializing Loan Servicing holds a mortgage for the address of XXXX XXXX XXXX XXXX XXXX, FL XXXX. The legal description on this mortgage is for a different address XXXX XXXX XXXX XXXX XXXX, FL XXXX. Specializing Loan Servicing will not assist in correcting the legal description from the incorrect address of XXXX XXXX XXXX , XXXX XXXX, FL XXXX and recording it to the address of XXXX XXXX XXXX XXXX XXXX, FL XXXX so the property at XXXX XXXX XXXX can be sold.
This is a series of attempts by the title company XXXX XXXX on behalf of the seller/buyer to assist with getting Specializing Loan Servicing to correct the legal description.
On XX/XX/2019 we received the payoff and notice of discrepancy between the address on the mortgage and the legal description on the mortgage. We called XXXX XXXX XXXX Client Relations Associate > Loan Services > Specialized Loan Servicing T +1 XXXX XXXX XXXX F +1 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX with SLS mortgage on the same day and was told he could not help and hung up the phone.
On XX/XX/2019 XXXX XXXX with XXXX XXXX XXXX spoke with a representative of Specialized Loan Servicing and got the fax number for SLS customer support team ) XXXX and faxed the request for the modification along with the payoff, the commitment and copy of the mortgage.
On XX/XX/2019 A representative confirmed the fax was received and being reviewed, told it would be 72 hours for a response.
On XX/XX/2019 XXXX XXXX with XXXX XXXX XXXX was told a letter was mailed on XX/XX/2019 verifying the information provided was received.
On 03XX/XX/2019 The notes indicated that all correspondences had to be mailed to a PO Box and that a letter was mailed out on XX/XX/2019 with the address for all correspondences to be mailed to.
On XX/XX/2019 XXXX XXXX with XXXX XXXX XXXX called and spoke with representative of SLS to explain the letter from XX/XX/2019 had not been received on where to mail all correspondences to.
On XX/XX/2019 mailed was received a second time by SLS describing the original problem of the discrepancy between the address on the mortgage was different then the legal description on the mortgage. SLS sent a letter back the claim of the discrepancy on the mortgage was in review status and would take up to 15 business days for a response.
On XX/XX/2019 XXXX XXXX with XXXX XXXX XXXX received a letter by mail from a XXXX, ID # XXXX stating they, SLS needed more information to process the request of correcting the discrepancy on the mortgage of the address and legal description being for two different addresses. XXXX XXXX with XXXX XXXX XXXX called to speak with XXXX, ID # XXXX but was told XXXX works in a department that does not take phone calls. XXXX then spoke with a person named XXXX with consumer escalations team who said they needed supporting documents such as the legal description to both addresses and anything else XXXX XXXX with XXXX XXXX XXXX could provide. The supporting documents were again sent, this time by fax to customer support team XXXX, ID # XXXX.
On XX/XX/2019 a representative from SLS confirmed the fax was received and in review process.
On XX/XX/2019 XXXX XXXX with XXXX XXXX XXXX was told there was no new information in the notes and that the fax was still in review.
We are requesting that a complaint be filed against Specializing Loan Servicing and action taken to correct this discrepancy on the mortgage described.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-10
Discovery Bay, CA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I obtained a loan modification in XXXX. In XXXX I got divorced. I was told by XXXX XXXX ( who carried my modification at the time ) that my loan was Assumeable. I worked for 6 months to get my debt paid off and my FICO score high as to assume the loan on my own. In XX/XX/XXXX I was ready to assume the loan. XXXX XXXX transferred my loan to Specialized Loan Servicing LLC in XX/XX/XXXX. When I called them in XX/XX/XXXX I was told that SLS does not have the capability to do loan assumptions. I spoke to a manager who told me that they can. I followed there steps of sending in a letter to begin the assumption process. After 30 days and now response I called again. Again was told SLS does not have an assumption process, again I asked for a manager. Manager told me that they do and that received my first letter. Gave me the next step of mailing in my divorce decree to show I received the house through my divorce. 30 days later no response from SLS. Many calls and no return calls later I finally recived a letter in the mail from SLS stating that my request was declined with a bogus reason. SLS must allow me to assume not refinance. Per the Ger St Germaine act which is in my Loan Modificaiton language I am allowed to assume the loan in case of divorce. SLS is giving me the run around and you can not reach anyone by phone. I need to get my ex husbands name removed from this loan. SLS needs to accomodate my request per the law. I would like to file a formal complaint against SLS and request that they contact me immidiately with means for me to begin the assumption process per my contratual language in my loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-09
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
2019-04-09
Snellville, GA
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
2019-04-08
Evansville, 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
2019-04-08
Rex, GA
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
2019-04-08
Ironbound, NJ
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
2019-04-07
Pinellas Park, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Specialized Loan Servicing is attempting to take my home away through foreclosure. I am severely XXXX and have nowhere to live if they kick me out of my home. It has been a ten year struggle to try to get them to work with me to obtain a reasonable payment plan, restructure loan or loan modification, but can not seem to get any favorable results. All they do is send me to mediation where their evil attorneys attack me as though I have done something illegal. All of my attempts at working with them in a fair and transparent negotiation, have resulted in me facing their attorneys. I have never had a review for retention options and their legal shenanigans have cost me an unbelievable amount time, money and trouble. They have made some offers which I would gladly accept, but we have never been able to consummate the deals. Each time I contacted them to move forward with a review that would get me into a reasonable mortgage payment, SLS has backed off and we ended up back with the mediator or back in court. I no longer trust them because of how they have treated me throughout the years. I truly need SLS to engage in a fair and transparent negotiation and to review my circumstances for some sort of workout option using my current financial situation. I have enough income to resolve this matter and make things work, but SLS needs to come to the negotiation table in good faith and leave the attorneys in their offices. As it stands now, my interest rate is at 11 % ( when others getting 3-4 )!!! I am simply looking to be treated fairly and live in my home for the rest of my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-07
NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I never had a problem paying my mortgage payments and had received a loan modification from XXXX XXXX XXXX. However, when my loan was transferred to Specialized Loan Servicing, my mortgage was in limbo for six months and I could not make my payments. This caused my loan to become delinquent and SLS is unwilling to work with me to fix my mortgage issues. After XXXX gave me a modification a few years ago, I made my payment on time for three years. Then out of the blue, XXXX transferred my loan, but they could not tell me where it went. I finally received a mortgage statement from SLS six months after the transfer, but when I contacted them and tried to pay, they had added foreclosure and late fees and I could not make the entire payment. Since that time it has been a nightmare trying to get them to unwind the foreclosure and get my loan back to a current status. There is a sale date on my property and I may lose my home through foreclosure on XX/XX/2019. I should have never become delinquent on my mortgage in the first place, but I was advised to stop making payments on my mortgage when I was with XXXX so that they would work with me. I should have never followed their advice, since my mortgage balance had gone up significantly. After six months of working with their Loss Mitigation Department, they gave me a modification that I could afford and I was happily making my mortgage payments. However, when I tried to make a payment one day, I just got a recording stating that my loan was going to be transferred. When I spoke with their representatives, they had no idea where my loan went. I tried to get things sorted out with SLS and perhaps get another loan modification, but after a very long time of dealing with SLS, they said I already had my loan modified and there was nothing they would do. This is very unfair as I never have had a problem paying the mortgage for many, many years and now they are going to take my home away. Please help me with SLS and save my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-06
Roseville, CA
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
2019-04-05
Washington, DC
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
2019-04-05
Detroit, MI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Sls mortgage company claims that they used my escro funds to apply towards my payoff. XXXX XXXX asked for a payoff and SLS mortgage used {$890.00} of my escrow funds o apply towards the payoff. This doesnt make sense. I was owed {$1200.00} and they deducted the difference without any itemized break down. Important note : SLS mortgage also charged me a late fee of {$35.00} which was deducted from escrow. I have 16 grace period days to pay. I was not late. This is unethical and bad business practices on their part to steal {$35.00} from me. I was never late. They received there payoff on time before the XXXX day of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
East Millstone, NJ
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-05
Norwalk, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Please be advised that in XX/XX/XXXX we received a Mortgage Statement that we were behind with our Mortgage payments and when I called we were told that the reason it was because we had a Shortage on our Escrow Account. We advised them that we could not afford our new payment and I had no way of paying for Escrow Shortage. They needed the total amount of my delinquency and that's when everything started. We got placed on a bad delinquency and we requested for help to save our home but unfortanutely we got no help at all. Last year of XXXX we got a denial letter stating that we had no options for a loan modification and that we were not making enough money to keep our home. we are now receiving money contribution from our daughter and her husband and we submitted new financials with Specialized Loan Servicing. and also with XXXX because XXXX was able to help us keep our home back in XXXX and now we are here with a Foreclosure Date coming up XX/XX/XXXX and we are asking for help to avoid this Auction to proceed and to help us with our Lender to get a workout resolution. My wife and myself are presently ill and have suffered to much XXXX and XXXX with our present situation. I have XXXX and my wife has gone thru XXXX XXXX and my daughter and son in law have been here to help us with expenses and willing to put all their income to save our home including our income. We really are begging to save our home. please help us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-04-04
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
2019-04-04
Caguas, PR
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
2019-04-04
Chester, NY
Incorrect information on your report
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
2019-04-04
Johnstown, OH
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
2019-04-03
Frederick, MD
Closing on a mortgage
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
2019-04-03
North Bergen, NJ
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
2019-04-02
Chicago, IL
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
2019-04-02
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
2019-04-02
Fred, VA
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