Specialized Loan Servicing LLC

2018-11-06

WI

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: SLS or Specialized Loan Servicing has sent out three checks from my escrow account they can't track these payments and my escrow IS DUE NOW to XXXX my insurance company. all checks have been lost. they can not track where the escrow went and they do not call me back after many phone calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-06

Church Point, LA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: XXXX/SLS : XXXX of Incompetence. My brother died in XX/XX/2017 and I became the executor of his estate. For grieving family/friends that job is exhausting and sad. Most businesses tried to be helpful, concluding transactions as quickly as possible. Not XXXX. I can not even count the hours spent on the phone with them clearing up one incompetent mess after another. My brother 's house sold in XXXX. Our family was owed an escrow overage check. XXXX sent it made payable to my brother. Without my name on it as executor, the bank would not cash it. It took many phone calls to get them to add My Name, Executor underneath my brother 's name. A correct replacement check was sent out on XX/XX/XXXX. On the XX/XX/XXXX I called XXXX to inquire about the check. After being on hold for more than an hour, XXXX informed me that the check had been sent to the property. My brother 's SOLD house. They stopped payment and proceeded to cut another check, the third. Six days later, on XX/XX/XXXX, the check arrived ( in an envelope without a yellow forwarding sticker from the property on it ) and I cashed it. It bounced. My bank charged me fees. It was the check issued on XXXX XXXX. Since it was not forwarded I thought it was the one issued on XX/XX/XXXX. Today is XX/XX/XXXX. I received the check in the mail today. It is made payable to my brother ONLY. As of now, I have been on the phone for 49 minutes while they TRY to correct this problem again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-05

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

Timely Response

2018-11-02

Richmond, 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

Timely Response

2018-11-02

Orlando, FL

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

Timely Response

2018-11-01

Hinsdale, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My credit report that is being reported by Specialized Loan Servicing is showing that I owe them over 2 million dollars. This is incorrect. They are also showing many, many late payments. I was not late on my mortgage. I need this corrected and I need to start receiving mortgage statements. I do not receive any mortgage statements. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-11-01

Glen Allen, 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

Timely Response

2018-10-31

South Florida, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was already discharged in bankruptcy and is no longer owed
Complaint: My Mortgage Debt was discharged in XXXX. Since then I'm voluntarily paying the mortgage. I do want to keep my home. Since XXXX have not missed a single payment. Sometimes I send I paid after the XXXX of the month but always before the XXXX. XXXX was servicing my mortgage since XXXX and I never had any issues with them. Last year the servicing of my mortgage was transferred to SLS and my problems started. First I wasn't able to pay online, like I did before. They told me I wasn't allowed because I had filed for bankruptcy. I NEVER MISSED A PAYMENT since XXXX, but sometimes my check arrives at their office a few days after the XXXX of the month and they started to charge me late fees. I retired this year and I receive my pension every XXXX Wednesday of the month. I called to remind them my debt was discharged and that I was voluntarily paying my mortgage and they couldn't charge me late fees for a debt I legally don't own. They were rude to me, asked to speak to the manager but he didn't want to speak with me, and they told me the late fees would stay. I sent several emails, and sent also a copy of the Discharged papers I was supposed to send to all debtors. After I sent the Bankruptcy document, SLS have changed the wording in my statements. LATE FEES was changed into UNPAID FEES. I can prove, without a doubt I have not missed a single payment, so I don't have any unpaid fees. I put my house on the market and I asked for a Pay-Off Statement and they included late fees. I called them several times, sent many emails but they are being unreasonable. It has been very stressful to deal with them. Recently I was able to make a payment on line but they have included late fees and I can't make the payment online unless I pay the amount they specify there which includes a LATE FEE. I have asked them to remove the late fee so I can pay online but they have not done it This month I paid over the phone because of the issues I'm having with them I didn't want my check to get there after the XXXX. they charged me a convenience fee {$12.00}. I really need this issue to be solved because once I sell my house I don't want to see late fees included in my pay-off amount, it is not right. I have a question - my mortgage is variable but since my bankruptcy, from XXXX to XXXX, XXXX made very little changes in my monthly payment. After it changed to SLS, they have increased my payment by around {$20.00} every 6 month and I want to know if they are allowed to do that. I know it was a variable rate mortgage but the debt was discharged and I understood that's why XXXX made very little changes to my monthly payment amount Please let me know if you can help me with this problem Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Quartzsite, AZ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Specialized loan servicing has been charging late fees to my account making it harder to make my monthly payment as I'm on a fixed income. My account has late fees in the amount of {$150.00}. I'd like them to waive those fees so that my account could be in good standing. I send my payments before the beginning of the month and they are " early '' as I sent the XX/XX/XXXX payment at the end of XX/XX/XXXX for example and the servicer receives it before the due date which is the first of every month. However, for years I have been charged late fees and they say I am making my payments late. I don't believe I have ever missed a payment as I would known since my income is very limited. They also said that there was a payment increase and my payments were short. That this happened in XX/XX/XXXX. None of this was explained during all of my calls to the servicer. I am just barely finding out with my Housing Counselor 's help. Please reach out to my servicer and help me resolve these issues. I want my account to be in good standing. My income is only {$1400.00} a month since my husband passed away in XX/XX/XXXX, and if the servicer would have explained this before, the late fees would not have accumulated. I appreciate your help in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

Memphis, TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: On or about XX/XX/XXXX at XXXX I called SLS to tell them that I was going thru mortgage per foreclosure counseling. I was going thru a divorce and forgot to pay my county and city taxes for XX/XX/XXXX, which I been paying since I bought my house in XX/XX/XXXX. Specialized Loan Servicing ( SLS ) paid my taxes without my knowledge nor consent. I struggled to pay there imposed fees for 12 months. After I paid them back the increased my loan amount over {$200.00} plus my mortgage fees for 12 months it took them several months after that to take my mortgage back down. My city taxes are $ XXXX county taxes {$790.00}. SLS has added hazard insurance in the amount of {$810.00} which in the state of TN is not needed. Then I started getting foreclosure proceedings lodge against me with increased loan payments amounts stating that my insurance was not paid from XX/XX/XXXX-XX/XX/XXXX. XX/XX/XXXX-XX/XX/XXXX policy # XXXX was in my daughter 's name XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX policy # XXXX is in my name XXXX XXXX XXXX . XXXX XXXX group sent SLS {$1000.00} for my homeowner insurance policy # XXXX, but SLS increase my mortgage note over {$200.00} plus my loan note per month for their imposed homeowner insurance amount. When you call SLS they pass you around from one department to the next and then hang up your calls. Then when you finally connect with someone you began experiencing a lack of communication within the company. I sent them documentation on their website per instruction ( XXXX ) showing there was no lapse of insurance they continued adding late fees and finance charges on my mortgage note, making it impossible for me to pay. SLS owes me a refund for {$1000.00} and all imposed inflated interest and late fees that I have had to pay. I'm not interested in selling my home and I'm paying XXXX my insurance premiums starting XX/XX/XXXX. SLS is to pay my city and county taxes out of my escrow which is included in my monthly note amount of {$690.00} and not {$970.00} that they have been trying to make me to pay. By trying to do this they are charging me interest and late fees with me now owing them an excessive amount to the tune of {$2200.00}. I called my Congressmen, XXXX Area Legal Services, United Housing, and XXXX. XXXX XXXX is my representative and we did a conference call with SLS around and about XX/XX/XXXX with XXXX in Customer Resolution@XXXX. XXXX conference us in to XXXX XXXX in Loss Mitigation. After a couple of hours speaking with these to they admitted there errors including my refund. As to this day I have only received more notices every month relating to debt collection delinquent payments, mortgage loan is in serious default/delinquent, application for mortgage assistance/relief options, relief change of intent forms, and as of XX/XX/XXXX notice of default and notice of intent to foreclose. I spoke with XXXX XXXX on XX/XX/XXXX in loss mitigation@XXXX. she requested same documents to be sent to XXXX which I did comply. Then I received my mortgage note for XX/XX/XXXX in the amount of {$2100.00}. This company has little disregard for the mortgages and finances of people. XXXX XXXX XXXX loan number # XXXX
Company Response: Closed with explanation

Timely Response

2018-10-31

Seattle, WA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: XX/XX/XXXX Saturday Received and opened 2 letters ( dated XX/XX/XXXX and XX/XX/XXXX ) from " Specialized Loan Servicing '' regarding rental property address XXXX XXXX XXXX XXXX, XXXX, WA XXXX owned by me. This was the first letter and notice that I received. I did not recognize the name of the company as in the past the Letterheads stated " XXXX XXXX. '' the letters stated that they were debt collectors, talked about bankruptcy, loan assistance and honestly confused me as to their nature. XX/XX/XXXX Called monday morning at first available opportunity ( talked to XXXX XXXX ). Representative was rude, stated that investor was going to foreclose and demanded my credit card for payment. I said " wait a second I don't know who you are, I haven't seen your company name before and I need to research this if you are not getting paid as I have paid this mortgage since inception through XXXX ''. He said I had not paid since XX/XX/XXXX. I got more and more upset by his attitude and unwillingness to listen or even take my word that I had paid regularly on the loan through automatic bill pay payment. I asked for a supervisor and he would not transfer me. The call disintegrated, I was livid and I believe they hung up on me. XX/XX/XXXX I called back immediately and talked to XXXX. XXXX was willing to listen to my concerns and work out why they thought i might be in arrears. He found out that the Loan payment that they received regularly was applied to principle instead of the interest by their company on XX/XX/XXXX in place of the XX/XX/XXXX payment. They were not admit fault I feel, but XXXX was apologetic that this happened. I checked my bill pay and saw that they had received my interest payment every month since inception for the amount agreed. He applied for credit to my late fees. I was not receiving their statements and I fear that it might have to do with the Post office as it is my unconfirmed suspicion that I have not been receiving some of my mail for a while - I related this. I applied changes to my bill pay to pay them the past 2 months of increased taxes and also increased the new loan amount which I got from him. He stated that the mortgage had increased because of increased taxes in the last few months ( I was not aware again and this was the first time I was hearing this ). -XXXX attempted to send me some of the statements that I missed, but was unable to get me a full itemized list which I requested. ATTACHED -I asked whether this affected my credit and he said that he would check for me. They had reported to the Credit reporting agency in XX/XX/XXXX. XXXX During the phone call he called back and the phone call back came from " Telemarketing '' on my phone. This made me aware why I was not receiving their calls at of no error of my own ( as if they had abused their phone privileges as a company and I do not answer calls from Telemarketing ). I also did not read any messages that might have come through related to this, and I cant tell you if they left any. -XXXX eventually transferred me to a supervisor XXXX ( i think ) as I stated the original representative should be reprimanded or fired and that I wanted assurance that they were going to reverse the credit ding. XXXX said they were going to call back regarding reversing my credit ding and misapplied funds but have not yet. XXXX did not apologize, or admit their mistake in all this or admit that they had received the same loan payment since inception every month. He did not seem to care about the prior representative XXXX XXXX He said he would get back to me with an answer after some more research regarding reapplying the funds to interest. I have not heard yet. This has greatly affected me XX/XX/XXXX i was denied a $ XXXX Heloc FROM XXXX XXXX on my personal residence : The credit ding likely lowered my credit score from XXXX to XXXX according to XXXX. XXXX said they could not give me this credit report due to their lender guidelines and have asked me to request personally from XXXX : " On Wed, XX/XX/XXXX at XXXX XXXX, XXXX XXXX <XXXX> wrote : Good Morning XXXX, Yes unfortunately there is the recent late or missed payment showing on your credit. '' XX/XX/XXXX I have followed up by phone again to Loan Servicing company with a request by phone for itemized loan payments since the start of the loan to present. Inquired again about the credit ding and the misapplied payment and they did not give me an answer. I think they said it might take 5 days. Immediately I was asked again to pay by credit card for loan payments and arrears I have already ordered through my bank. i told them that I had made payments on the taxes and that the payment has increased and that it was their error again that caused the arrears in payments. Again our call got disconnected at the end. I still have not received the email with information requested above from the Lender today. I still feel like they are treating me like I am to blame for their misapplied funds, continue to say I am behind, they seem like they are employing lots of virtual assistants, playing numbers and not doing their due diligence, not contacting me successfully and stating that the onus is not on them to do so, not researching why the interest was behind, incorrectly reporting to the credit agency, not making adequate notes that I am current, not correcting the issue in a timely manner, not admitting fault and not being forthcoming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-31

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: To SLS : I called on XX/XX/XXXX to follow up on the receipt of the request of the modification review and still to no avail was the documents looked at or even in the system after being sent to you on XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. A NEW SALE DATE was set by the XXXX COUNTY SHERIFFS office on XX/XX/XXXX of a new date of XX/XX/XXXX. This gave me 56 days to have a REQUEST of Modification/Workout on the loan by Specialized Loan Servicing on behalf of XXXX. I had 2 representatives send me to other departments and keep me on hold for XXXX minutes or more ( which is all documented ). Finally a representative said there is no supervisor to speak to and will put a request in for a call back which can take 24 - 48 hours. I received a call this evening XX/XX/XXXX at XXXX XXXX and have been again transferred around put on hold and then hung up on. I called back and have been told the New Sale date still is not updated in the system of XX/XX/XXXX and they have no documents. I find this to be very concerning as the same email address that I have been using this entire process now isn't transferring the documents to you as you stated and I think that you are doing this intentionally. After calling back again and getting another representative named XXXX and I explained the entire situation again, he was able to now verify the documents have in fact been received but nothing has been done with them due to the new sale date not getting updated in the system. The modification department won't look at it because XXXX has not changed the sale date to the new legal sale date given to XX/XX/XXXX. XXXX stated he will have this escalated and his supervisor XXXX will be in contact with me. I am still waiting and have heard nothing as of yet. Specialized Loan Servicing is in jeopardy of violating the federal laws : Current problems that you the mortgage servicers ( SLS ) is currently perpetrating in my loan modification process. Failing to Process the Application in a Timely Manner ( Homeowners experienced lengthy delays when waiting for the servicer to make a decision on whether or not to grant a loan modification. In some cases, the servicer doesn't tell the homeowners that they are missing documents necessary for the loan modification decision. In others, the servicer simply doesn't get around to reviewing the request in a timely manner. ) Federal mortgage servicing rules, effective XX/XX/XXXX, aim to reduce these delays. Under these rules, when a mortgage servicer receives a loan modification application from a homeowner 45 days or more before a foreclosure sale, it must : review the application determine if the application is complete or incomplete, and notify the borrower within five days stating that the application is complete or incomplete. ( If incomplete, the servicer must describe the information needed to complete the application. ) If the servicer receives a complete application more than 37 days before a foreclosure sale, it must review the application and determine if the borrower qualifies for a loan modification within 30 days. Mortgage servicers that commit any of the violations have caused me to ( among other things ) : incur increased fees and costs in order to avoid foreclosure lose your savings in a fruitless attempt to get a loan modification be wrongfully foreclosed upon, and/or miss out on the opportunity to pursue other alternatives to foreclosure, such as a short sale or deed in lieu of foreclosure. As per the above SLS has committed some of the violations mentioned above or is otherwise improperly handling my loan modification, I am being lead to believe I need to consult a qualified attorney who can advise me what should be done legally for this situation. I am in constant contact with you to have this review since XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via email and telephone. Please update my loan file and have the correct departments please review the paperwork that is time stamped XX/XX/XXXX for the request for mortgage assistance/modification/workout. As of today it is 44 days before the sale date XX/XX/XXXX which mean 12 days SLS has caused delays in this process which can be viewed as intentional.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

VA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet. I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Houston, TX

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Jacksonville, FL

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: I have a mortgage loan with SLS ( Specialized Loan Servicing LLC. I paid my mortgage paid in full on XX/XX/2018. my XXXX payment paid on XX/XX/XXXX more than my mortgage payment ( {$850.00} instead {$810.00} ). I closed my house on XX/XX/XXXX. SLS calculated Intrest till XX/XX/2018 nstead of charging till XX/XX/2018. I can submit past 6 months of payment slips if necessary. Thanks XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Van Nuys, CA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Complaint: Specialized Loan Servicing has threatened to foreclose on my home. I can not get anyone to give me a straight answer. I sent in a QWR months ago that they did not respond to. They sent a notice of default in XXXX 2017 but have not foreclosed yet but threaten and send bills and call constantly. I asked for a breakdown of all the late fees they are charging me ( {$30000.00} payments and late fees ) but will not send me a breakdown as to how they came about this number. What can I do? Please help. This company is impossible to deal with. I am trying to obtain an attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-30

Belle Isle, FL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My mortgage account with Specialized Loan Servicing is not reflecting that it is paid off on my XXXX report and I recently tried to contact Specialized Loan Servicing to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-29

Brentwood, NC

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX XXXX, as Legal Title Trustee c/o Specialized Loan Servicing, LLC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX has filed a mortgage foreclosure against me and I never executed any agreement with them nor can XXXX XXXX XXXX XXXX furnish documents from the original creditor enclosing my on time payment history. XXXX XXXX XXXX XXXX XXXX XXXX XXXX-1, by XXXX XXXX XXXX as Legal Trustee do not have the following legal authority : 1. Collect payments from borrowers 2. Initiate nor have discretion to authorize a mortgage foreclosure 3. Reluctant to oversee mortgage servicers to confirm if the foreclosure has merit. 4. Does not manage or maintain properties in foreclosure 5. Not responsible for the approval of any loan modifications 6. In short, XXXX XXXX XXXX XXXX XXXX DO NOT have no advance knowledge of payment history nor the clear chain of title from the originator creditor demanding XXXX XXXX XXXX XXXX and servicers to execute foreclosure for payment. Plain and simple, XXXX XXXX as Trustee does not exist thru my discover. 1. The " Trust '' NEVER entered into any transaction in which the Trust paid for assets. Nor have any third parties SLS ( Specialized Loan Servicing, LLC ) executed monetary interest. 2. Through deception, XXXX XXXX XXXX XXXX never execute foreclosures. They use servicer 's to conduct the dirty work to deceive consumers. This is not a duplicated complaint ... .should all parties be reluctant to respond. My complaint is toward Servicers using XXXX XXXX XXXX XXXX as a shield from liability in fraudulent foreclosures.
Company Response: Closed with explanation

Timely Response

2018-10-29

Levittown, PA

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

Timely Response

2018-10-28

San Diego, CA

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

Timely Response

2018-10-26

Bridgeport, CT

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

Timely Response

2018-10-25

Darlington, RI

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-10-25

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

Timely Response

2018-10-25

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Multiple Requests submitted for Request for Mortgage Assistance/Workout/Modification. Multiple correspondence to request for adjournment to a later date to have review of RMA. Denied due to 37 days or less from sale date. Denied in writing regarding adjournment and then the plaintiff does grant an adjournment prior to the written notification. No one notifies me until after I called several times and corresponded through email and through a complaint on this portal ( CFPB ). Received a new sale date ofXX/XX/18 still less then the 37 days law to review an RMA. Why adjourn for 28 days and not the 37 days? Use my adjournment at the XXXX County SHeriff 's office on XX/XX/18 to have the date moved to XX/XX/18. This moves the sale date 56 DAYS from the sale date. More then enought time to review and workout the loan modification. Submit all pertinent information with another formal request for a review of an RMA on XX/XX/18. Submit the XXXX County new sale date to show the date has been moved to XX/XX/18. XXXX XXXX from attorney 's office XXXX ( XXXX hired attorney ). FIRST CALL from their office after many non returned calls and/or correspondence. She was calling to let me know NOW the new sale date they postponed till is XX/XX/18. This was set onXX/XX/18 and only receiving a call to notify me on XX/XX/18. Explained the situation but the attorney just reminds me they are only hired for the foreclosure and the decision is on behalf of the bank. Just reminds me to call SLS again to make sure they have my new sale date and to request a workout with them. Called SLS Yesterday XX/XX/18and spoke to a representative XXXX to ensure the documents that were received AGAIN ( 2nd request ) for the RMA request and workout. Please note that I have been using the same email address to correspond to SLS and had no issue prior of them uploading requests and documents into the system. As of yesterday the documents and request below that were sent at XXXX XXXX on XX/XX/XXXX were not uploaded or even documented that they were received. I find this very frustrating and unfair as I have been told by numerous SLS customer representatives that it takes 24 hours then you will see the items in their system. It was over 48 hours and still nothing. Why???? I fill the bank XXXX/SLS are not be fair to me the consumer for this loan. This is a not fair housing opportunity to have a workout/modification for the loan on the property. This is yet another attempt to have a FAIR review since NJ CItizen Action Agency and I have worked on the financials and are confident that the loan can be brought current and the bank can have the money owed to them if a modification is put in place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-10-24

Melrose, VA

Struggling to pay 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

Timely Response