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 31
2019-02-25
Cleveland, 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
2019-02-25
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
2019-02-24
Santa Ysabel, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I had a hearing in Bankruptcy Court the judge order the servicer to re-file a Notice of sale of my property which is time frame of 90 days so I had enough time to either apply to modified the loan or sale my property because I have equity.
They never file a new Notice of Trustee 's sale.
So I apply for modification of my loan and a 3er party XXXX was able to help me to submit the complete package on XX/XX/XXXX when I follow up on the XXXX I was told that they could not review it because the package has to be in the office 35 days before the sale also she mention that they had sent me a letter explaining the detail on the denial of the review for modification, well long and behold they lie they did not had sent out the letter because the next day XX/XX/XXXX I call back again and talk with different agent he mention that they had not sent out any letter, that I had assign a single point of contact and he provide me her information name, email, and extension number.
Two hours later I call back to reach my point of contact but she was not available so that new representative inform me that a letter was sent out because they can't review my loan modification do to the policy of the company that it had to be received 35 days before the sale date, I ask to email me a copy of the letter and she sent it, I am attaching it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-23
Destin, FL
Struggling to pay mortgage
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
2019-02-22
Catalpa, VA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: Based on the open case with Specialized Loan Servicing Account number XXXX. The vendor mentioned in their response that they sent a " Notice of Default and Notice of Intent to Foreclose '' On XX/XX/ 2019 I received a package from Specialized Loan Servicing LLC informing me about the compliant I filed with Consumer Financial Protection Bureau ( CFPB ) with regard to the servicing, reference case no XXXX and XXXX. Specialized Loan Servicing mentioned that they sent me this notice " Notice of Default and Notice of Intent to Foreclose ''. The letter was found buried in the stack of papers which consisted of a Mortgage Assistance Application.
The issue I have is, I never received the letter " Notice of Default and Notice of Intent to Foreclose : '' When Specialized Loan Servicing mentioned the fact in the CFPB Case No XXXX and XXXX. I fully understand that there is no limitation on fraud, based on the grievance and the noted fraud committed needs to be addressed by Specialized Loan Servicing LLC, why? because the fraud started with the Originator XXXX XXXX XXXX, which the fraud continued to the second, third and now fourth interloper, which is Specialized Loan Servicing LLC. Since Specialized Loan Servicing feel that they not nothing to do with the fraud, based on my overstanding, Specialized Loan Servicing inherited the fraud, by buying the Deed of Trust, which was separated from the Mortgage and sold on the stock market.
In addition, since Specialized Loan Servicing believe they had nothing to do with my grievances, I want them to know that Clause 20 of the Deed of Trust require me to send a notice of grievance prior to judicial action, and to give the Note Holder a reasonable period after the giving of such notice to take corrective action. As you are the recent servicer and agent for the Note Holder, if the grievances are beyond Specialized Loan Servicing ability to correct, I would like for them to forward my request ( Grievance ) to the owner of the securities.
The package received on XX/XX/XXXX, is entirely too large to scan and upload. if you want to see what was sent to me, with the " Notice of Default and Notice of Intent to Foreclose : '' dated XX/XX/2019, was hidden in the XX/XX/ 2019 package, which was place there, so I wouldn't have a chance to respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-22
Gretna, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I own an investment property at with my ex-husband where he hasn't paid the mortgage in a long time. The court has given me authority to act as sole negotiator for this property and I listed the property with a real estate company. The property is in foreclosure state but we have a buyer who has given us a contract to buy it for {$140000.00}. The total balance owed to Specialized Loan Servicing is {$160000.00} and to XXXX XXXX XXXX where we borrowed the downpayment is {$21000.00} where he hasn't paid either. XXXX XXXX has a second mortgage on the property.
The title closing lawyer has requested a payoff from SLS that would be a short sale. I submitted to SLS an application to ask for a short sale. But they will not answer. The act of sale was supposed to be today, but the lawyer says we can't do it because we don't have agreement from SLS for final payment.
This is causing me a hardship because I am trying to settle these debts and restore my credit. I was out on XXXX XXXX for 7 years and just went back to work where I am being garnished for debts my ex husband has not been paying. He is on XXXX and not responsible.
I am attaching the application the title lawyer sent to SLS to approve short sale and the last payoff statement they sent my real estate agent in XXXX when I listed the property for sale. I am a responsible person and trying to do the right thing and sell this property, but it is not worth as much as is owed on it so this is the best I can do to sell it. It's just not right that they won't answer when I have a buyer ready and able to buy the property. And I might lose the buyer if we can't go to act of sale as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-22
Catalpa, 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
2019-02-21
Norwalk, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Closed with explanation
2019-02-21
NH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The house mortgage is in my name, my ex-husband is living in the home, he stopped paying on the loan and failed to refinance the home into his name when he was suppose to.
XXXX XXXX XXXX XXXX paid the mortgage on the home through XX/XX/XXXX, we are both in financial hardship and I can not pay for this home. XXXX XXXX has XXXX health issues, we are trying to sell the home but it has been a slow process due to lack of income and XXXX to take care of the land.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-21
Fresno, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: Specialized Loan Services incorrectly applied two mortgage payments in XX/XX/XXXX. This created a delinquency for XX/XX/XXXX payment and beyond. Ive been in contact with SLS since XX/XX/XXXX and the problem is only partially resolved. XX/XX/XXXX-XX/XX/XXXX shoe correct payments on time. XX/XX/XXXX- XX/XX/XXXX show as delinquent and this is incorrect. Ive submitted copies of cashed checks and the problem has not resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-21
Burbank, CA
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
2019-02-20
Middletown, DE
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
2019-02-20
San Diego, 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
2019-02-18
Smoke Rise, 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
2019-02-17
Charlotte, 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
2019-02-15
Menifee, CA
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
2019-02-15
Baldwin Hills, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-15
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
2019-02-14
Alachua, FL
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
2019-02-14
San Jose, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Due to job loss coupled with mounting medical expenses, In late XXXX, we called our servicer, XXXX XXXX XXXX XXXX, requesting for a loan modification. Based upon our estimates, we needed a {$300.00}. Reduction from our current {$2800.00}. Payment. We requested that our 6.5 % interest rate loan be modified. They stated, they could not help us apply for a loan modification unless we missed two payments. We followed their advice, called back applied and was granted a temporary loan modification of {$150.00}. Less our original mortgage amount. We were told, if we paid it on time for one year, we'd be granted a permanent modification. We were successful in doing so. After a year we applied again for a permanent solution. We were told to keep paying our temporary modification while they decided the outcome. Six months went by, we paid on time, however what we got next was not a modification but a Notice of Default. We were told that the servicer has granted us the modification, that we " fit their requirements '' but the private investor on the backend did not agree. Shocked, we sought legal council.
Lawyer said, why are you still paying them, they are foreclosing on you, a date has been set. Stop paying them! We also learned we were a MERS loan and had been robo-signed.
We pursued a lawsuit against them based upon lawyers suggestion. When our case came to trial, unfortunately we were unaware that our lawyers law firm was being investigated for embezzlement and our lawyer was being sued for sexual-harassment charges. At the time of our case our lawyer and the firm got disbarred, and is still currently without license.
We hired a second lawyer. Waited 2.5 years for our appeal case to come up. Our second lawyer used the first lawyers defense and did not bring up the fact the first lawyer had not represented us properly due to their legal entanglement.
All the while, past due mortgage amounts and late fees racked up to {$350000.00}.
We had paid both lawyers money each month that was equivalent to our mortgage payment, which was over {$300000.00}. in fees. Our appeal case was lost on grounds that our legal counsel did not put forth a good argument of why our case should be heard in court and the judge dismissed our case. Upon that outcome, XXXX XXXX immediately sold our loan to Specialized Loan Servicing and we are now being foreclosed on. We asked for a reconsideration of a loan modification with a reduction of principle however we have been denied the opportunity and are now in pre-foreclosure status.
We don't want to lose our 30 % down payment, in the amount of {$280000.00}. we had put down on our home to get into it i. XXXX. Our loan balance prior to this happening was at {$610000.00}. We now owe them over a million dollars.
Company Response: Closed with explanation
2019-02-13
Minooka, IL
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
2019-02-13
Vista, CA
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
2019-02-13
FL
Closing on a mortgage
Mortgage: Conventional home mortgage
Complaint: The closing on my personal property XX/XX/XXXX. The mortgage company was over paid and they were supposed to send us a check for the overage of {$1600.00} as agreed upon at the closing. In Mid- XX/XX/XXXX, we still hadn't received the overage check so we reached out to XXXX XXXX XXXX advised us that it was their mistake and they would be sending out the check. In XX/XX/XXXX we reached out to them again and they said they sent out the check and that they would follow up on it. There was response so in XX/XX/XXXX we reached out again and they then told us the check had been sent out to us and cashed. We told then=m we had nit received any check nor cashed it. So they sent us a coy of a front of a check and the back of a check with a different account number and signature. We explained that it was obviously not us and they told us to get a police report and to talk to the bank and we did ( see attached documents ). The bank said they could not help us because we were not the issuers of the check the issuer has to deal with the issue directly. Here we are now XX/XX/XXXX and after various conversations with XXXX XXXX, of them promising to send out a replacement check and finally they told me last week that they would not issue a replacement check to go through the legal route and get an attorney to fight it out. That is why we are reaching out to you for some assistance in this matter. Please see all necessary documents supporting our claim attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-13
Gloucester City, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I brought my loan current XX/XX/2019. Specialized loan Servicing company sent me the amount that my loan was behind. This included everything that was due. I sent payment to company. I received statement for next payment and it states that I am behind and they have a {$740.00} due. I called SLS company to ask what the charge was? I was told I would have to email them and they would get back to me. I emailed them XX/XX/2019 and I have not heard back from them. I received a urgent notice in my front door dated XX/XX/2019. The notice states that an independent field inspector came by to inspect the condition of the property? I never received a notice or phone call asking me when I would be available? I was informed that SLS stopped by my house again today XX/XX/2019. This is harassment. I have been this this mortgage company about a month. My loan was sold to this company from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-13
Allenwood, 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