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 29
2019-03-21
Lakeside, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I have been having problems convincing SLS Loan servicing Co. that i am no longer responsible for my loan since 2016, when a shady 2nd mortgage company purchased my 2nd from a bankrupt loan company and lay stealth without me being able to Negotiate or Communicate with them,, They inflated the loan amount and fees from XXXX to XXXX pay off,, then they wanted me to pay a unreasonable amount to reaffirm my loan to get it currant status ... in which they foreclosed on me,, a trust deed sale to posses the home, The kicked me out, XXXX Then on top of that they never paid the first which was SLS,, And the 2nd mortgageCo. XXXX XXXX.. Then pay my payments late every other month 18 times since 2016, They never Contact SLS,, I sent numerous Times To SLS all the Court /auction paperwork, And SLS KEEPS ON PUTTING Derogatory s on my credit Reports,, For Years, Help me ... Please.. Thank You XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-20
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
2019-03-20
Santa Ysabel, CA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: During The XXXX Mortgage nightmare,, I was approved for a Jumbo loan on this Property XXXX day of escrow ending All the banking institution were falling Bankrupt, My Lender decided that no more Jumbo Loans were available,, They insisted i needed a 2nd. for XXXX to finish my loan.. Being A XXXX from XXXX Just moving back to mainland, My sea Container was arriving at this address XXXX XXXX XXXX XXXX XXXX ca. XXXX,, My new XXXX and XXXX XXXX XXXX XXXX felt Critical to accept The 2nd terms with no Financing avalible XXXX /Bush couldn't get a loan, The banks seeking Gov. bail outs.. we ended with XXXX XXXX XXXX who later went Bankrupt as we were paying the loan on time, later our loan was sold from one company to next.. with no contact information, till in XXXX XXXX XXXX purchaced 2nd mortgage on a BK SALE,, XXXX raised the cost n fees to XXXX on the 2nd and never would negotiate, then THEY TOOK MY HOME THROUGH A TRUST DEED SALE, KICKED ME OUT OF HOUSE, WHO IN TURN THEY NEVER PAID MY FIRST MORTGAGE OFF AND ARE STILL MAKING LATE PAYMENTS TO XXXX XXXXXXXX XXXXY,, Help ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-20
Lannon, WI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I purchased my house in XX/XX/XXXX and did a major renovation and substantial improvements to my home. My loan value required to have PMI insurance. My plan was to increase the value of the home by doing a major renovation. I added {$50000.00} in renovations to my house. My first letter to Specialized Loan servicing was mailed out XXXX XXXX. I did not receive a response until XX/XX/XXXX rejecting my request based on the original loan value and appraisal done when I bought my house. Based on their XX/XX/XXXX letter, I do meet the requirement for requesting an appraisal. When I purchased this property, the plan was to remodel the property and have another appraisal done. Since all renovations have been completed, I feel the appraisal value has increased more than {$40000.00}. My XXXX sale agent, who sold the home, stopped by and stated the new value of the home increased approximately to {$370000.00}. The original appraisal value of my property, when the home was sold, was {$310000.00}. Since my PMI, at 80 % loan value, needs to be at {$34000.00}, the value of the home needs to increase approximately by {$28000.00}. Since Im confident the value will increase to the required amount, I requested an authorize in house appraisal BPO to be conducted. I signed their Authorization for Internal Valuation form and mailed it on XX/XX/XXXX. Since I did not here back from them, I called their office only to tell me they sent a letter out denying my RIGHT to have the PMI review. Not sure why they can deny this since I requested this and Im paying for the for the appraisal. They stated they sent me a letter in XXXX, which I never received. The SLS agent stated I could go on line and review the letter in my account. I asked to speak to his supervisor and the agent stated that I could not, and their supervisors dont handle this issue. I never heard of not being able to talk to someone regarding your loan issues. I think they are trying to drag this out as-long-as they can to continue to receive my PMI payment. I asked for the agent to also send me the letter out again and I today I have not seen the letter. I went into my account and could not find the letter denying my right to request an appraisal. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-19
Brentwood, NC
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
2019-03-19
East Rockaway, NY
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
2019-03-19
Occoquan, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: SLS not providing any loss mitigation opportunity and investor not cooperating as well. I applied for loan modification with SLS after my mortgage servicing was transferred from XXXX XXXX. I applied for loan modification and submitted all the requested documentation. My point of contact there never answers my calls and it has been over 30 days since they send me letter that they are in receipt of my request for loan modification. I believe SLS and the investor are more interested in foreclosing on my home rather than trying to modify my loan payment to affordable payment. They kept sending me foreclosure notices during the period they were reviewing my file for modification. Someone needs to be held accountable and I hope my file lands on the right persons desk so he/she can see that I truly qualify for assistance based on my hardship and really tries to help within the boundaries of permitted loan modification. Agents the handle our calls keep giving us the run around. I don't think they want to help. I hope I am wrong. I don't know what else to do or whom else to ask for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-19
HI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The mortgage servicer, Specialized Loan Servicing LLC, took over our mortgage when it was sold to them XX/XX/XXXX. Since this time they have continued to collect an escrow amount to pay our biannual property tax bill of {$180.00}, which was due on XX/XX/XXXX. They sent us an email dated XX/XX/XXXX stating they paid the property tax bill. However, when I called the County Real Estate Property Tax Department they had in fact not received a property tax payment from Specialized Loan Servicing LLC. Since then I have sent numerous letters, phone calls to resolve this issue. Specialized Loan Servicing LLC stated in phone call that they paid bill which is why they were ignoring my previous communications. To date, nothing has been done to rectify this situation. We paid our property tax bill on the due date to avoid a tax penalty. Specialized Loan Servicing LLC is continuing to collect our escrow payment each month. Currently we have paid {$360.00}, the amount of {$180.00} they took from escrow account, and the {$180.00} we had to use to actually pay the property tax bill. According to County Real Estate Property Tax Department the new mortgage servicer is suppose to notify them that they will be paying the property tax which to date, Specialized Loan Servicing LLC has not done. Also if Specialized Loan Servicing LLC paid the property tax ( as they stated in an email ) they need to send a copy of the receipt to the County Real Estate Property Tax Department verifying payment. To date, Specialized Loan Servicing LLC has not sent any documentation to the County Real Estate Property Tax Department to verify payment of property taxes, if in fact, they actually made the payment.
To date NOTHING has been done. It seems on their end, they have a record of paying our property tax and we can't get anyone from Specialized Loan Servicing to actually find the receipt of payment of these property taxes to send to either the Property Tax Department or to us-so that we can resolve this issue. Or is it more likely, they never made a payment as the Tax Department has NOT received any notification that the Specialized Loan Servicing LLC is in fact going to pay the property taxes. Our previous mortgage company which was a bank, paid our property taxes for the last 13 years without a problem. It is concerning as this property tax bill is $ XXXXyear and Specialized Loan Servicing LLC continues to collect a monthly escrow to pay property taxes but in fact is NOT paying them and we then, are having to pay them-nothing is being done. There is something very wrong with this scenario and their staff seems as if they are fumbling to read some statement but have no genuine knowledge of their own protocols-it is disturbing.
We have copy of paid property taxes that we paid on XX/XX/XXXX.
We have a copy of an email from Specialized Loan Servicing LLC stating they paid taxes, dated XX/XX/XXXX.
We have copies of letters we sent to both their Tax Property Department ( P.O. Box in New York ) and another letter to their Error Department ( P.O. Box in Colorado ). It seems Specialized Loan Servicing is specialized in NOT servicing our loan. Please can you help us as we are worried moving forward as we have no control over how these large financial institutions sell/buy mortgages and accountability is problematic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-18
Keyport, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: specialized loan XXXX I have contacted this company several times ... XXXX- XXXX all around the XXXX of each month. I keep getting different answers from each person. We are behind, but was on the understanding we were on a repayment plan. Now they are telling us they will only take money through XXXX XXXX or XXXX XXXX which is a huge inconvience.
We had several deaths in family and basically fell apart. this is why we fell short.
We did not ask to be with this company to begin with. Not impressed with SLS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-18
Boynton Beach, FL
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Our loan was transfer from XXXX XXXX XXXX to Specialized Loan Servicing. We made the XXXX payment to XXXX, but SLS send us a default notification and told us they were proceeding with foreclosure. My wife and I tried to call them on the phone and only once was my wife able to talk to someone and they refused to talk to her because my name was on the loan but she never had a problem with XXXX. We never received a normal loan statement from them in XXXX or XXXX, and we just received late payment and default notices. We have proof our payment in XXXX cleared to XXXX, but SLS says we haven't made a payment since XXXX. Every phone number SLS publishes on their website to call to talk to a person only leads to an automated system with no live person options unless you select the 3rd Party option which we are not 3rd Parties. They now want to foreclose on us before we have even made one payment to them. Our mortgage is {$420.00} per month and they want to charge almost {$600.00} in late fees and we can't even talk to them. Now they are starting foreclosure procedures even though we are only one payment behind because my wife didn't send the payment because she couldn't talk to them about the first payment that she sent to XXXX that they say they never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-18
Jacksonville, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I contacted the mortgage company in regards to past due balance of {$580.00} that has been applied to my loan. The mortgage company advised me that they are for some fees and charges that have been assess to my account that is causing the past due balance. I advised the mortgage company that I should not be assess any fees that appear to be paid upfront. If I'm assess fees that they should be placed on the rear of the loan. I submitted a letter disputing this invalid fees and charges and they have not rectified the issue yet. By this error occurring on my loan it is causing my loan to show past due and have an negative impact on my credit report and continue to have a property inspection ordered assessing more fees to the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-18
Bostonia, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: SLS LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX The short sale was started XXXX/XXXX/19 with SLS. On XX/XX/XXXX we were told the file was complete.
We were just told today that underwriting somehow allowed some tasks to expire in XX/XX/XXXX, requiring the file to be re-underwritten. XXXX claims the file is currently still in review, but I told him that is absolutely unacceptable, as our sellers, buyers and ourselves have met every demand that SLS has issued to us in less than 48 hours. The buyer agreed to their counteroffer on XX/XX/XXXX, and we are nearly 30 days out from that. The fact that underwriting on the file had expired is through no fault of anyone but SLS, and I expect SLS to remedy it immediately. I also can not get confirmation from SLS that it was send to the investor, XXXX XXXX.
I want SLS to be investigated for these continual and deceptive communications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-17
Atlanta, GA
Trouble during payment process
Mortgage: VA mortgage
Complaint: XXXX XXXX transferred my mortgage XX/XX/2019, to Specialized loan Servicing on XX/XX/2019, : Sls '' send a one page demand letter, stating a payment of {$1100.00}? under the Real estate Settlement Procedures Act : it state a fifth teen day grace between the old company saying goodbye and the new company saying hello? also under the same Act it states a 60 day grace period from the day XXXX XXXX sold the loan to avoid a late fee? which " Sls '' in seven days applied XXXX mortgage of {$570.00} making it the above total? today of this letter is XX/XX/2019? as a XXXX Veteran living on XXXX $ a month income SSI getting it the third Wensday of each month? for 34 years i made my payments, im currently due XX/XX/2019 mortgage waiting on SSI check XX/XX/2019 i will send {$570.00}, not much paperwork have i received from this Company and many scammers or out there? i will call them XX/XX/XXXX Monday to speak with someone, to see why they are less than 15 days of transfer requesting next month payment? also calling the VA dept to see whats going on i only have a couple of years to pay this house off, and as a Vet thats my goal! have a Bless day XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-16
PA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage servicing was switched to SLS loan serving from XXXX on XX/XX/XXXX. It is XX/XX/XXXX and I have requested an inspection for my home loss since they serviced the loan. I was told after almost 4 months they are still trying to find one in my area. In the mean I am sleeping on a couch because my home is not livable. I have a chronic illness that makes me sensitive to all construction type materials. I was in the midst of recovering and I am not out of the woods yet, but they could care less about that. I pay my mortgage before the 1st every month XXXX and I have funded most of this project prior to any draws being submitted to get it done quickly. It will be 5months and no inspection so I can get the money that my insurance company paid me to complete my home of 15 years. Every time they call me I get the run around I am sick at this point and obviously forced to continue to fund my own 6 digit loss. I want to stop them from causing me and anyone else any further anguish. Weve already been displaced and our lives have been turned upside to a loss that we didnt see coming. Why must they continue to take their customers through these type of criminal practices. The bottom line is who ever owns the loans is holding our money for their own interest and XXXX should be ashamed for dealing with these kind of servicers. SLS loan servicing loss draft department are literally criminal and they play with peoples lives. Something has got to be done!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-16
Glenarden, MD
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
2019-03-15
Ft Lauderdale, FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX, Specialized Loan Servicing ( SLS ) sent an Escrow Account Disclosure Statement, notifying me that my escrow account would have a shortage of {$21.00}. The statement specifically stated the following : Since there is a shortage in your account, a payment coupon is attached to the bottom of this statement if you choose to pay the shortage in full in a lump sum. If you do not wish to utilize this coupon, we will adjust your payment to make up the difference.
I elected not to pay the shortage in a lump sum and began paying the new monthly payment of {$2300.00} that went into effect on XX/XX/XXXX.
Rather than properly applying my {$2300.00} XX/XX/XXXX payment to principal and interest, SLS blatantly ignored their own letter and applied my payment to a suspense account so they could continue to charge me interest on the higher principal balance. I also received a notice from XXXX XXXX that my credit score had recently suffered a significant decline. When I researched the cause of this decline, it resulted from SLS falsely reporting my mortgage payment being 30 late. Their false reporting to XXXX caused a 57 point decrease to my credit score!
Ive provided copies of all relevant documentation for your review. This isnt the first time Ive had problems with SLSs incompetence and outright fraud. One year ago, SLS threatened foreclosure action against me, ignoring that fact that my loan was in an approved forbearance agreement that had been granted by XXXX XXXX since my principal residence was located in a Federally declared disaster area and their threat of foreclosure was illegal!
The actions of this company are downright criminal! They should be banned from the mortgage serving business! Their actions and behavior are as criminal as XXXX when they were servicing student loans! I encourage you to XXXX this companys name and see the THOUSANDS of complaints and lawsuits filed against them! They should be put out of business for good!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-15
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
2019-03-14
Shulerville, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Vice President Customer Experience and Executive Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX RE : Loan Number : XXXX SLSs failure/refusal to honor requests to correct errors and omissions Dear MrsXXXX XXXX XXXX XXXX, You said you understanding how we all must work together to deliver a seamless experience to our mortgage servicing clients. Will SLS/you please join a veteran and his wife in their seventies to end a year long fight to get SLS to verify the accuracy of claimed shortages and correct all/errors and omissions in the next 30 days listed below to make the borrower whole?
1- Made false claims XXXX XXXX reduced the borrowers escrow, not true SLS reduced said escrow and refunded escrow funds as a surplus payments causing an excessive shortage in the borrowers escrow after servicing was transferred to SLS.
2- SLS XX/XX/XXXX statement showed a {$19000.00} in XXXX of XXXX statement showed {$10000.00} neither of which have been verified. Please provide bills/cancelled check to verify the accuracy of any/all shortages and/or reductions, include analysis from XX/XX/XXXX till XX/XX/XXXX for XXXX and XXXX with end of the year balances for each year.
3- SLS failure/refusal to honor the borrowers May request to place a stay on all payments, changes in payments, late fees, credit reporting and foreclosure action and more until all funds were reapply to escrow 4- SLS unlawfully used inaccurate shortage of {$17000.00} down to {$12000.00} from XX/XX/XXXX till XXXX, illegally changing the borrowers payment monthly to apparently give the impression all funds had been transferred in 30 days. The last funds were reapplied to correct the shorta and after the XX/XX/XXXX analysis the XX/XX/XXXX payment showed an accurate shortage of {$10000.00} for the first time, but its accuracy still has not been verified.
5-SLS willful and wanton failed to reapply all funds in a timely manner, knowing conducted illegal/inaccurate monthly spreads every 30 days for three months, changing the borrower payment each month giving the appearance all funds had been transferred, then took the borrowers XXXX payment causing the borrowers account to remain delinquent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-13
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-13
Simi Valley, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information is missing that should be on the report
Complaint: My loan was sold by XXXX XXXX XXXX XXXX to Specialized Loan Servicing ( SPL ) in XXXX. My first payment due to SPL was due XX/XX/XXXX but they failed to contact me with my new loan number or any details on how to pay them. I contacted them on XX/XX/XXXX to make the payment over the phone. By XX/XX/XXXX I still had not received any information from them about my loan. I called on XX/XX/XXXX again to make a payment over the phone. I did not receive any paperwork from them until middle of XXXX. On XX/XX/XXXX - at least 102 days after my first payment was due I contacted SPL to inquire as to why they have not reported my loan or my timely payments to any of the credit reporting agencies. I was told that it is their policy to only report timely payments after 60 days of purchasing the loan. I pointed out that it was now 102 days after my 1st payment was due and they indicated that they would not be reporting anything on my loan to the agencies until after XX/XX/XXXX. I requested that they make an exception as I am trying to refinance while interest rates are still reasonable and that they have clearly had my loan greater than 60 days. They refused to correct their error and I am now in a difficult position as the underwriter will not approve my new loan without this loan and the timely payments appearing on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-13
CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My loan was sold from XXXX XXXX to SLS since then the new Leander increase my payments without any reason and when I call they just give me an answer just to push me away without fixing the problems. Also, when I get an answer the next time I call they tell me we are sorry that the agent giving you the wrong answer.
I pay my mortgage including the tax and the insurance. But they come to and asking me to pay more shortage in the tax. Last week I pay {$670.00} over the regular payment of my mortgage and tax/insurance. And still problems I need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-12
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
2019-03-09
CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Specialized Loan Servicing bought my mortgage when my regular one went bankrupt. My son and his wife declared bankruptcy over a year ago, his name is the same as mine, they divorced and he moved back home for awhile. SLS got a credit report from some agency stating I had declared bankruptcy and so they had to stop taking my payments. I ASSUMED they weren't LYING to me, and made several payments to catch up ... when I just looked up my statements for Insurance FRAUD being played on me, I found I wasn't in arrears like they said. They just started REPORTING MY PAYMENTS ans not being made. I have called 3 times and they state I have to change the credit company 's data, I asked them what social security number they e=were getting a report on and they admitted it was my son 's. They repeatedly since have REPORTED my payments not-paid.____________________________________ _________________________________________________________________ These are copy and paste : XXXX XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN SPECIALIZE XXXX -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN SPECIALIZE XXXX -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN SPECIALIZE XXXX -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX No request for payment -- -- -- -- -- - ( Stopped requesting payments ) -- -- -- -- -- - XX/XX/XXXX ACH DEBIT Specialized Loan Speedpay-S XXXX - ( Stopped Autopay ) XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- etc ...
For the month of XX/XX/XXXX, they took 2 payments on the same day. -- -- -- -- -- -- -- -- -- -- -- -- -- - Previous Balance on XX/XX/XXXX {$13000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 Deposits and Other Additions ( Credits ) + XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 4 Checks and Other Charges ( Debits ) - XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- - Ending Balance on XX/XX/XXXX {$8500.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Checking Account Transactions -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT Specialized Loan Speedpay-S XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX ACH DEBIT SPECIALIZED LOAN BILLPAY XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XX/XX/XXXX SERVICE FEE XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DAILY BALANCE SUMMARY -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -Balance Date- -Balance Date- -Balance Date- -Balance Date -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-03-08
Memphis, TN
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX.
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily.
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter.
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
2019-03-08
Memphis, TN
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: I year ago I applied for a refi on my home. I bought my home in XXXX. During that time I had a second mortgagein the amount of XXXX. After having that mortgage for 2 years, the company filed for bankruptcy and I wasnt sure who had the second mortgage. Because of this the mortgage was not paid and charged off in XXXX.
When I applied for a refi in XXXX the second mortgage showed on my deed of mortgage and as a result I ended up making payments on the second mortgage so that I could try and refi a year later on both the first and second mortgage. The servicing agent that claimed they had the right to collect for the second mortgage stated that as a payoff I owed {$26000.00}. This amount included the past due amount of {$12000.00} plus interest that is currently accring daily.
The refi company asked them to sign a VOM for mortgage purposes in which they refused. I contacted the company they said they were representing to collect on their behalf. The original company stated that they don't have a record of a loan with them and couldn't find it by my name, address, or social security number. The company provided me a letter stating this and I forward this information to the servicing company to request a removal from my deed of record and all the money that has been paid for the last 13 months of monthly payments that they have collected. They have since notified me that my loan is deliquent, but can not provide any proff that they have the right to service this loan. The original paper work can not be found or therefore I am filing a complaint to rectifiy this misdeed and try to get some resolution because they don't have any intentions of trying to resolve this issue ethically. I appreciate any assistance you can provide in this matter.
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