There are over 4954 complaints on file for Specialized Loan Servicing LLC. Dated between 2019-12-06 and 2012-04-23.
2018-11-28
Smoke Rise, GA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-27
San Antonio, TX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-26
Westfield Ctr, OH
Complaint: This is a continuation from XXXX XXXX XXXX to specialized loan servicing. They claim we owe back payments we don't. They have not turned over the lost check to the homeowners insurance. We have a lawyer, he was accused of being fraudelent and a scammer. Read the complaint we gave about 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
2018-11-24
NJ
Complaint: After receiving a permanent modification in XX/XX/2018. XXXX XXXX XXXX was overcharging the escrow amount causing the monthly payment to be incorrect by approximately {$400.00} over per month. We bought this immediately to XXXX attention but to no avail of them correcting the monthly balance due. After continuing to report this error to XXXX, We had our Servicing of our mortgage switched from XXXX XXXX XXXX XXXX to Specialized Loan Servicing. A company that deserves it thousands of 1 star reviews. While they amazingly have the correct monthly amount due, which is {$2800.00} compared to XXXX {$3200.00} we then had an XXXX XXXX statement with a HIGHER amount due then the next month XXXX SLS statement. When we ask SLS how is XXXX XXXX statement HIGHER than the SLS XXXX statement, we were told by SLS they are not responsible for previous servicer mistakes and then they harassed us and mentally abused us, stating they will just foreclose on us if we don't pay the full amount, no matter they have incorrect statement balances, post dated late fees charges when they were not servicer and now this XX/XX/2018 just charged us {$750.00} in forced placed home insurance when we had home insurance coverage sent in as proof by XXXX 3 days later. We have offered numerous easy solutions but they just threaten foreclosure. This debt collecting organization needs to be closed immediately and what they are doing to us is criminal, in our opinion and they need to answer for their actions and verbal harassment. We hope CFPB looks into this serious matter, contacts XXXX XXXX and let them know what both servicer XXXX and SLS have done and can make them straighten up immediately and no longer financially harm our family with XXXX young boys caught in their shell game.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-20
Oxford, GA
Complaint: In XX/XX/2013 I had to file a Chapter XXXX Bankruptcy. My Case lasted for 42 months. At that time my Mortgage was with XXXX XXXX Mortgage. All during my Case I kept making my monthly mortgage payments right on time. Then shortly after I completed my Chapter XXXX and received my Discharge which fulfilled my Bankruptcy. All of a sudden XXXX XXXX was saying that I was behind on my Mortgage?? That whole 42 month period I never heard anything from them until after my Bankruptcy. My Attorney acknowledged that if I was behind in my Mortgage during my Case that XXXX XXXX should have asked the Bankruptcy Court to include any missing payments but they never did. Back then I was asking XXXX the exact month and year that they claim I missed a payment. They never responded to me. They eventually sold my Mortgage to SLS ( Specialized Loan Servicing ). SLS has been sending me late notices and harrassing phone calls ever since. I have also asked SLS to reveal to me what month and year I supposedly missed a Mortgage payment. They have never provided that information to me either. I need this resolved!!!
LOAN # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-19
Newport, TN
Complaint: XXXX-18 Got notification on both my XXXX and XXXX credit reports that my SLS Mortgage balance had been increased by {$8100.00} total on XXXX and by {$8200.00} on XXXX.
I have not received any description or notification from SLS and have submitted prior complaints about them changing my payments, rates, and then reporting me 120-150 days delinquent.
I have all receipts showing all payments were sent and received on-time by me thru XXXX XXXX and received by SLS electronically on same day.
My credit reports both have been negatively affected by these errors and I have again notified the XXXX of Colorado, since these issues had occurred many times, and then corrected after my legalized complaints with all evidence and proof of payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-19
Van Nuys, CA
Complaint: I need help with my mortgage company This is the equity line on my house and the 10 year interest only came due and they are requesting the whole balance I do not have that and have been offering there money for a short payoff my family has offered to help with the money they keep saying no only will take the whole balance We did get a Modification on the 1st mortgage under the Hamp program and never been late with that I have been willing to make Reg payments on this mortgage they keep asking for the same info over and over again Now I am facing a sale date next week trying to action off my family home please don't let this happen and have them give us more time and a plan to keep are home.
We were told at one time if we got a Hamp Modification on the 1st the 2nd would work with us why is this not true anymore? And if this is gone why did they not do something way back then to help me keep this home not just keep asking for all the money and well the interest keeps going up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-19
Elmwood Park, IL
Complaint: On XX/XX/2018, I emailed Specialized Loan Servicing death certificate, small estates affidavit, and quit claim deed. My brother was on the loan with a co signer. My brother died, and the cosigner quit claimed off of the title I can not get any information on the loan. The loan is in foreclosure, and instead of indicating estate of XXXX XXXX, ( XXXX XXXX ), they just removed his name, not taking the quit claim deed into consideration.
I do not have the social security number of XXXX XXXX. I want to receive a loan modification since my brother was beind on this mortgage. I have tried to speak and call repeatedly, and I KNOW they received the information because a supervisor looked into this, and told me so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-18
PA
Complaint: In XX/XX/XXXX our mortgage co who was originally XXXX XXXX sold our mortgage to Specialized Loan Servicing. Shortly before the sale of our mortgage XXXX XXXX completed an escrow analysis and raised our payment slightly. Our taxes and insurance are all escrowed into our payment. We were not aware of any issues on our account until in the process of selling our home in late XX/XX/XXXX. We have two tax parcels, during the sale process we were informed that part of our taxes were unpaid. SLS claims they did not receive the information on the smaller lot. SLS said they sent in a request for the tax claim certificate to the tax claim bureau. After getting told this multiple times and not getting results I called to tax claim bureau myself. I was informed by them that they only deal with delinquent taxes and they never received any request from SLS. They forwarded me to the county treasurer. The treasurer also never received any requests and told me I needed to contact my township office. My township office has an outside company that handles taxes which is also the same company that handles the school taxes that were unpaid. I had already spoken to them in the past I knew they had received any requests from SLS. The tax company informed me that SLS did not need a certificate in order to pay the taxes however on Monday XX/XX/XXXX while I was on the phone with SLS 's tax department my wife called the tax collection company and they sent all the information to SLS while we were on the phone. SLS still claims to be waiting on a tax certificate and refuses to pay the bills. During one phone call they claimed to not know who the tax collection company was even though they have paid other taxes to them in the past. They keep giving us the run around saying they have to re-review everything and get back to us. We have been given at least 4 dates when things would be handled by but they are never resolved. We have contacted XXXX XXXX and were told that when they sold our mortgage both parcel numbers were included in the paperwork. SLS has even gone as far as sending us a new escrow analysis saying our payments will be going up due to a shortage starting XX/XX/XXXX. That proves they have the information needed to pay the taxes yet continue to lie about not having it. They are also telling us there are not enough funds in our escrow account to pay the tax bills and no explanation as to where our money has gone. I have been paying around the same amount a month as I always have since I purchased my home in XXXX. Every escrow analysis done since XXXX have been under {$200.00} in shortages due to taxes changing. SLS claims there is a shortage of over {$900.00} in my escrow for the upcoming year. We have been calling almost everyday and are getting nowhere. Supervisors refuse to call us back as promised and will never transfer us to higher management. They claim to not be able to access our records and need to start fresh every time we call. Even supervisors we have previously spoken to act like they have no idea what we are talking about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-17
WI
Complaint: In recent weeks and last night I received disturbing calls from men relative to SLS : XX/XX/XXXX the first identified himself as XXXX XXXX with TN XXXX XXXX said he was from SLS and had me confirm my address and loan number.
XXXX threatened me with legal actions such as foreclosure and said he was turning over " my case '' to SLS legal dept. He mentioned a payment of $ 900+, he said I owed him. When I asked to call him back, I did so but got his voice mail and then he called me back immediately and continued his threats.
Since I had been spending hours of time on the phone with SLS through out the month of XX/XX/XXXX with insurance escrow problems ; ( see XXXX-XXXX ) I thought this call was maybe legit.
I immediately reported this complaint to SLS and I got the run around with four different SLS departments. The reps said it wasn't their problem and that their department didnt handle fraudulent calls and they finally gave me their " Executive Services number XXXX XXXX. Then ... Last night XXXX, a man named XXXX called from SLS Executive SVCS.
XXXX would not identify his company! I got angry as I could see it was SLS and and he hung up on me! He would NOT say he was from SLS but I could see the XXXX ID on my cell phone. He demanded I identify myself but I would not as he had called me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-16
Ormond Beach, FL
Company Response: Closed with explanation
2018-11-16
Hinkley, CA
Complaint: On XX/XX/2014, Specialized Loan Servicing ( SLS ) acquired my loan from XXXX.
At the time, I was awarded funds from Keep Your Home CA in the amount of {$98000.00}.
SLS placed the funds in an Unapplied funds account until XX/XX/2014. I was informed that {$93000.00} was applied to the principle balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Sebring, FL
Complaint: XXXX XXXX was the servicer we had been using after refied after my husband died in XXXX we refinxed in XXXX bc we had a bother gentlemen helping us it was a XXXX XXXX loan or is its currently interest rate is 5.3 I am s XXXX by trade and I quit at our local XXXX in XX/XX/XXXX losing my husband there and having one dr be In all the time wax just getting too much plus we had this other gentleman helping us out I worked for short time w w XXXX XXXX XXXX when we banked w XXXX XXXX XXXX XXXX I was under age to withdraw from my husbands ira I asked them to withdraw correct taves they did not but wouldnt accept responbiliy as a result I was hit w a XXXX back tax for XXXX and XXXX in XXXX thd othrt gentleman got w tax lawyer to get us deemed uncollectabled the lien falls off in XXXX. We here explored Bank ruptcy not an option whrb this gentleman was alive he helped a great deal he find me two families at his parish they paid in one one died a month after him we domt speak to family or community. When the other client let me know they wanted to go in a different direction my daughter called XXXX XXXX and they put us on a forebearance then it was a stretch then but we did it w a neighbor help in XXXX of XXXX we did w loan mod which right before Irma we recieved a letter stating they hat forgeton to inform us our property taxes and insurance were being raised to XXXX before my Daughert could call we found out that we were being transferred to Specialized loan serviving what a nightmwr said we were delinquent with XXXX XXXX in fact we were not, this comoagy is not good keeps taking on double paykrkts I even feel recently hud informed me that the loan had a 42 month term I know its not that long I did not trust this specialized nor did my daughter we made a oartial payments them in XXXX of XXXX but with my daughter being sick I couldnt afford to have the funds sent to that company. The dates they swear they have their forebearance is wrong it ran out in XXXX we have tried everything bc of the non currency abs tax lien Many companies have turned us down cant sell XXXX now even tried hardest hit. No foreclosure notice we would love to stay in the home into the tax lien falls off ecery time you call sls their story changes, is like to know my home is secured. We have had companies tell us they could help one was mlg not Florida another so we have explored bankruptcy not right at this point if love to be able to keep the home but refi is probably out of question.just want our home rescued from this scam completely please help us we also were targeted by synergy law didht pay then any thing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-14
Dover, DE
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-13
Staten Island, NY
Complaint: We have made numerous complaints against this company that claims we are in bankruptcy which we are not. All I want is a payment history for this year. I have only got things when I complain. They told us to see are lawer. We dont have one. No bankruptcy. This comyshould be closed down .we pay XXXX $ every month to them. This is our own information.
Specialized Loan Servicing XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-13
Hampton, VA
Complaint: My loan was transferred to SLS from XXXX several months ago. I was a couple of payments behind when I sent in a payment to the XXXX location. The check was never cashed and I never received the check back. I spoke with XXXX ( ID # XXXX ) a customer service rep on XX/XX/18 about the payment that was made and why havent I received any phone calls from them since my loan was transferred to SLS from XXXX. About the payment she said that the payment address had been changed to a California address and I told her that I was not aware of that since my payments where usually made online. The payment fee over the phone was so high that I sent in a check for my payments. XXXX didnt charge me for making payments over the phone or online. She said the contact numbers they had for me was not good contact numbers. I let her know that between them and XXXX someone dropped the ball on transferring them my correct contact phone number, because every time there was contact it was me contacting them to make my payments over the phone. The phone payments were free initially when the loan was first transferred and then they started charging outrageous fees to make payment over the phone so I decided to send my payment through mail. And they say the never received it because my payment was sent to XXXX and SLS said that the payment address was changed to California. SLS never contacted me about anything. They never mailed me info about struggling borrowers. They never sent info about a loan modification, repayment plan or anything. They just sent my file directly to their foreclosure attorney and has now attached all type of unnecessary fees to my account that will make it hard for me to reinstate my loan. SLS has been double charging me for inspection fees and late fees since my loan was transferred to them. Notice the three different bills thats attached with the same charges on all three bills. Im asking that they review my account immediately and remove charges from my account as well. Im still waiting for a call back from a supervisor to discuss this situation thats not fair and that should have never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-13
New Bedford, MA
Complaint: I SPOKE TO A REPRESNATIVE NAMES ONLY XXXX AND TOLD HIM I HAD A SIGNIFICANT CHANGE IN CIRCUMSTANCE AND WANTED TO RETAIN MY HOME NOTHING ELSE, HE STATED HE WOULD KEEP IN CLOSE CONTACT WHICH HE NEVER DID AND REQUESTED NO UPDARTED FINANCILAS WHICH I THOUGHT PECULIAR BECAUSE WHAT HE MAY BE WORKING OFF OF WAS OUTDATED AND DID NOT PORTRAY THE ACCURATE PLETHURA.I RECEIVED A LETTER RECENTLY THAT REALLY GAVE NO TIME TO RESPOND BUT I HAD TO MAKE THE TIME.IT IS REALLY A FLAW TO NOT PROVIDE ADEQUATE TIME TO RESPOND, I AM A STATE WORKER RECENTLY RETIRED AND GOING THROUGH A DIVORCE, THER EIS NO OTHER PLACE TO GO, WORKING OVER 30 YEARS TOI BECOME HOMELESS.O WANT TO REMAIN IN MY HOME AND HAVE GARAUNEED INCOME.PEOPLE HAVE BEEN MODIFIED FOR LESS OF A HARDSHIP FROM WHAT I READ AND SEEMTHE LETTER FROM SLA WASNOT EVEN WHAT WE SPOKE ABOUT, I FEEL DUE DILIGENCE WAS NOT DONE ON MY CASE.HELP!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-08
Hicksville, NY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-08
Cheverly, MD
Account status incorrect
Complaint: Please reference CFPB Cases # XXXX and # XXXX.
XX/XX/2018 : SLS responded to CFPB and indicated that my credit file was not affected by any derogatory report from SLS and the issue was closed. Obtained Release of HELOC from SLS prior that representation to the CFPB. Note also that SLS and XXXX indicated in multiple written correspondence that no derogatory information would be submitted to the reporting agencies within 60 days of loan transfers in accordance with federal law.
XX/XX/2018 : I called and notified SLS that late payments were reported on my file. XXXX, in the executive office denied that SLS had reported such information since I had no such outstanding balance.
XX/XX/2018 : Wrote to SLS to produce evidence to the false claim made to the CFPB that I indicated a prior forbearance agreement and expressed interest in disaster-related loss mitigation. Other evidence requested for other false claims made. No evidence was provided. SLS simple made this up.
XX/XX/2018 : Wrote to the credit agencies asking to produce confirmation on which entities had reported these derogatory information. XXXX removed the information while XXXX XXXX kept the inaccurate information. Confirmation Received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-08
FL
Complaint: last XXXX i was making a payment, on time, to specialized loan service SLS. i went online to do this.
i was duped by a company XXXX. a third party pay scam. never submitted payment yet they processed it anyway and charged me XXXX to do so.
i never hit their submit button!
anyway not knowing they submitted it I then called SLS a few minutes later to make a phone payment instead, which i did. that is two payments i made the same day. I thought i made a one payment. bank called to tell me i was overdrawn on that account.
i immediately called SLS and told them what happened. Since they received two payments in one day they said they would send one of them back. XXXX payment back in 10 business days by mail.
that did not happen and after 27 business days i called them to see what happened to my money and after speaking to them they agreed to credit me and to apply that amount XXXX for my XXXX payment. So all is cool i thought till late XXXX when i get a letter from SLS telling me they electronically sent a refund to my bank. This refund was my XXXX payment and i receive a month and a week later So i called them and sent it back to them via phone immediately.
Ok, its now XXXX, i go to make XXXX payment and they say i owe for XXXX after they have been paid for XXXX.
I talked to them 12 times to resolve. They agree with me, tell me all is good and i have all the id numbers of their persons i spoke with.
Ok, i go to make XXXX payment and they inform me i owe a late charge for last month. i almost fell off the floor! so they review and once again they tell me i right and wave the late charge.
each time i ask them about my credit report and they all made claims it would not be reported and no harm to my credit score. you can guess the rest, my credit score takes a beating i am trying to rebuild my credit after injury. if you could help i would be soooo grateful. thank you ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
Columbus, NJ
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
CO
Complaint: I have had a Heloc from XXXX XXXX since XX/XX/XXXX that is serviced through Specialized Loan Servicing. I have been diligent in making online payments and even pay extra every month. On XX/XX/XXXX I requested a payment statement online which they will only send by mail ( they did tell me on a previous call that they would fax it to me in 2 hours but I never received a fax ).
The day after I requested the payoff statement, I went online and made a payment for the full amount due on my statement which was {$2600.00} and I RECEIVED CONFIRMATION THE PAYMENT WAS RECEIVED, AND MY ACCOUNT WAS DEBITED. I then hit the request button for another payoff statement ( since the amount had changed ). When I received a payout statement on XX/XX/XXXX, I contacted SLS by phone to find out what the new balance was now since I had already made a payment. They advised me that my online payment of {$2600.00} made a week ago was in the process of being rejected ( the first I had heard they were rejecting my payment ) and they would send me a refund check in XX/XX/XXXX. They also advised me that if I wanted to pay off the loan, I would need to overnight them a certified cashiers ' check for another {$2800.00} ( the payout amount on the statement I received by mail ) before XX/XX/XXXX, thereby letting them hold over {$6000.00} when I only owe them half that amount. I asked to speak to a supervisor and XXXX pushed through a refund so that they will issue a check in the next few days and I should allow a few weeks for mail. XXXX said that once I get my refund check for the online payment, I could then send them a certified check or {$2800.00} before XX/XX/XXXX and pay off the loan. The other option is to wait until I have my funds back and make a new request for a payoff statement in XX/XX/XXXX. In the meantime, I should continue to make regular payments online so I don't incur late charges. Once all this is done, they will send me the overages ( which there will be ) in a check after 3 months. XXXX said the lesson I should take away from this if I ever do another loan is not to request a payout statement and then make an online payment.
I think SLS has held my money unfairly. Once I made a request for the payoff statement, they should have either rejected my payment so that my account wouldn't be debited at all and they shouldn't be holding my money for months, At the very least, they should post a warning stating that any payments made after a payoff statement is requested will be rejected and returned by mail 2 months later.
If I had paid the balance first and then requested a payoff statement after the payment posted, I would not be in this mess. I also think it is unfair for them to accept online payments from me but when I want to pay off the loan I have to take time off work to go to a bank, get a certified check and overnight it to them in order to close my account.The customer gets the raw end of this deal on all sides while they continue to incur interest and fees. It shouldn't be this difficult to PAY OFF A LOAN.
I also want to mention that I made 3 calls today to SLS. The first 2 were not helpful ( one even suggested I could send up to {$11000.00} online even though I owe them a fourth of that ). They put me on hold when I asked for a supervisor and never returned ( I stayed on hold for nearly 30 minutes each time ). On the 3rd call XXXX was very patient and stayed with me until she transferred the call to her supervisor, XXXX who was patient and helpful as well. I don't fault the reps but I do fault the unreasonable policies and procedures.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
Oxford, GA
Complaint: I had filed for a Chapter XXXX Bankruptcy in XXXX. I completed my Case and it was Discharged in XX/XX/XXXX. At that time my Mortgage was still with XXXX XXXX. But something happened with my XXXX XXXX account and they started reporting to all the Credit Bureaus that my Mortgage was now one month late. Ever since then I am still being reported as one month late. XXXX then sold my Mortgage to Specialized Loan Servicing ( SLS ) at the end of XXXX. SLS has been sending me Late letters and calling my Home Phone number ever since. My Bankruptcy Attorney and myself have been asking XXXX XXXX and SLS to provide the exact Month and Year they claim I failed to make that one Mortgage payment so this can finally be resolved. I am tired of the harassment of letters and phone calls. And the Credit Bureaus showing me behind in my Mortgage!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-11-07
South Bend, IN
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
2018-11-06
Miami, FL
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation