Specialized Loan Servicing LLC

2019-10-22

OH

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

2019-10-22

TN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I purchased my home in XXXX with a 1st and 2nd mortgage and the home value has been underwater ever since. At the time of purchase the home appraised at {$480000.00}. In XXXX the home appraised at {$250000.00} and I applied and was approved for a modification which enabled me to stay in my home. At the time, I thought I could avoid any negative credit issues by sitting tight and making my monthly payments. Assuming that, one day, I would be able to sell the home and, at least, break even. Due to a significant decrease in income, I was no longer able to make my mortgage payments and the last one was paid in early XXXX. I have applied with my first mortgage servicer ( XXXX/XXXX/XXXX ) and 2nd mortgage servicer ( Specialized Loan Servicing ) for approval to do a short sale. I have had no issues completing the process and gaining approval for the short sale with the 1st mortgage servicer. I have followed the requirements set forth by both servicers. The house was listed for sale at the current appraised value of {$360000.00} and has been under contract for three months at a sale price of {$350000.00}. The second mortgage servicer, Specialized Loan Servicing, has been an absolute nightmare to deal with. They have " removed my application '' from their process on two separate occasions ; 1st ) because they were waiting to receive documentation that I had already submitted and they had failed to process ( for three weeks ) and, 2nd ) when their investor denied the offer from the 1st mortgage because it did not include any monies being paid to the second. Instead of allowing me to go back to the first mortgage servicer and request that they share some of the sale proceeds ( which they did approve ) with the 2nd lien holder, they simply determined that I had " defaulted '' and cancelled my application. Throughout this 90 day process I have been diligent about calling in every few days to be sure that that the process is still moving forward and that they have all the documents they require. Every rep I speak to tells me something different so I provide what they request or accept their word that everything is on track, just to learn a few days later that I was not given accurate information and NOTHING is happening with my file. I am concerned that after 90 days of a dealing with the incredibly flawed process at Specialized Loan Servicing, that the buyers will become frustrated and withdraw their offer. I can't afford to continue to keep the utilities on to secure a buyer when Specialized Loan Servicing has a process that appears to be designed to frustrate their customer and force these short sale situations into foreclosure. There must be some recourse for the consumer to pursue legal action and/or some type of penalty process to hold servicers accountable and someone needs to be investigating the servicing practices and the default process at Specialized Loan Servicin g. Additionally, I vacated the property in XXXX and notified both servicers of my new address. As of yesterday, XX/XX/XXXX, all mail correspondence from Specialized Loan Servicing is still going to the old address which has caused delays from 10-17 days in receiving their updates. This delay, causes them to think I'm not responding and they close the file. I've verified with multiple representatives that they have the correct address and they have no idea why the mail keeps going out to the old address. It's complete incompetence!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Phoenix, AZ

Trouble during payment process

Mortgage: Other type of mortgage

Complaint: Company name : Specialized Loan Servicing Company website : sls.net After receiving the payoff quote for my mortgage, I was charged {$25.00} per attempt for the payoff quote. I had to try a few times because the website was not working properly in one instance, and in another, I had to request a new payoff quote due to time elapsing. It was not disclosed that I would be charged for the payoff quotes anywhere on the website that I found. There is a screen with checkboxes on it for verification for the terms of the payoff quote, and no charge was disclosed there. The FAQ section of the website also has no mention of a charge for a payoff quote. I discussed with a few operators and no one could definitely tell me they would add the disclosure. Attached is a screenshot of the website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Jupiter, FL

Problem with customer service

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

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Franklin Lks, NJ

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

2019-10-21

Bluffton, SC

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

2019-10-21

Republic, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-10-21

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

2019-10-21

Trouble during payment process

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

2019-10-21

Bohemia, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XX/XX/XXXX Specialized Loan Servicing Correspondence Department XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Loan Account # XXXX As instructed, I am writing for a complete financial review of the referenced account for property XXXX XXXX XXXX XXXX New York XXXX owned by XXXX and XXXX XXXX and serviced by Specialized Loan Servicing. This is the latest in a series of calls, faxes, and letters concerning this matter. As recently as yesterday, I received a call early in the morning from SLS stating that the account is delinquent. This despite proof that payments have been made on time and complete since the origination of this loan in XX/XX/XXXX. I have repeatedly requested someone with a name and title to speak to from SLS. This has been denied in favor of a series of calls from customer service stating delinquency and asking what my intent is for the property? Despite having copies of the front and backs of checks cashed by SLS and the TD checking account bank statements ( total of 10 checks for the months of XX/XX/XXXX XX/XX/XXXX ), I have been repeatedly asked for check numbers and amounts! Update XX/XX/XXXX - 11th check dated XX/XX/XXXX received and cashed by SLS. Finally, the few account statements that I have received are contradictory and inconsistent. I have been having this discussion with SLS all year. I am tired of getting the runaround have been seeking a alternative, reputable financial institution to take over this mortgage. Until then, this matter must be resolved. Ask that the abuse stops and that someone responsible at SLS contact me at XXXX or XXXX. after they have reviewed the original loan documents, payments received, and all correspondence. 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

2019-10-21

Mc Donough, GA

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

2019-10-21

IA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Specialized loan services also known as SLS, I have set up automatic deduction from my checking account to pay them each month. This fall XX/XX/XXXX, is escrow review and new payment schedule. All good there, they deduct at the old amount and then they changed it to the door about and I was okay with that. However, they say they did not get their payment when I did in fact come out of my account to do escrow payment about for the month and to get to do for that to continue on out from here. The bank themselves even emailed the company and facts three types but this has been paid. They say they don't get payment. I called myself I get the same runaround XXXX I don't know what else to do send here to you Maybe my checking balance sheet would you like me to send it here? SLS mortgage has this but they say they don't it's been emailed six times now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Hudson, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Specialized loan servicing company ( SLS ) continues to overbilled me. I have now contacted them 18 times to try to get an answer. They continuously to me that a supervisor will call me back within 24 to 48 hours. If I am working at the time, I have to start all over because nobody knows whats going on there. They have cashed two checks and mis credited them triggering late fees to my account. The amount seems to change every month constantly causing long phone calls to a staff that is ill trained and never seems to have a supervisor available. This company needs to be investigated. The amount of errors are just unacceptable including posting to the credit bureau that payments are late even after the error on their part was discovered. The most current phone call was made again today, XX/XX/2019. PLEASE investigate. They send you in circles to email and fax information and then claim that they never received it. In the mean time, Im spending hours getting false information removed from 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

Timely Response

2019-10-20

Charlotte, NC

Incorrect information on your report

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

Account status incorrect
Complaint: My account ( # XXXX ) with Specialized Loan Servicing ( SLS ) has been positive with no late payments for well over two years since early XXXX. In XX/XX/XXXX, I obtained a written payoff quote of {$2300.00}. On XX/XX/XXXX, I made two payments - one electronic payment via their website in the amount of {$1700.00} and I mailed a certified cashier 's check to their office in the amount of {$600.00}. The electronic payment posted to my account within 24 hours and the check payment posted XX/XX/XXXX. On or about XX/XX/XXXX, SLS reported my account as delinquent for the month of XX/XX/XXXX. This inaccurate reporting has resulted in negative marks on my credit files with the three major credit reporting bureaus and caused my XXXX credit score to drop over 50 points. PLEASE HELP ME! I am due to close on a new home on XX/XX/XXXX and this inaccurate reporting will likely cause me to be denied approval of my new home and mortgage. Their representatives have been quite difficult to work with so I am seeking your intervention and guidance. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

CO

Incorrect information on your report

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

Account information incorrect
Complaint: Specialized Loan Servicing is reporting incorrectly a balance of {$150000.00} to XXXX ; XXXX and XXXX on the SPEC LOAN SV partial account number XXXX. The actual balance is {$28000.00} pursuant to the statement dated XX/XX/2019 from Specialized Loan Servicing. ( Please see page attached from my credit report as well as the statement dated XX/XX/2019 from Specialized Loan Servicing. ) On XX/XX/2019 a Consent to Final Judgment of Mortgage Foreclosure was filed on my behalf. ( Please see document attached. ) Because there is a signed Judgment that has been filed with the Court, this line item no longer needs to be reporting and therefore it needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful. This incorrect reporting is harming my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Reidsville, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Our loan was sold to this shady XXXX company, Specialized Loan Servicing in XX/XX/XXXX. They are saying we didnt make a payment although we have provided proof that we have. They stated we would have to make ANOTHER payment to make account current. We called on XX/XX/XXXX to get it resolved, theyvsent it to Review, along with our proof of payment ( supposedly ). As of today XX/XX/XXXX we still have no resolution. I have a list of 9 different people I have talked to who just put me on hold and move on. I've requested a manager and again, I'm put on hold and advised a manager would call. STILL no call from anyone. Over this XXXX company!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

NY

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-10-18

Bohemia, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We were submitting documents to Specialized Loan Servicing in 2017 and at one point we received a payoff quote, along with the payoff quote we received a Disclaimer. The Disclaimer reads as followers : We are required by regulation of The New York State Department of Financial Services to inform you for the following information. This information is not legal advise. Your creditor or debt collector believes that the legal time limit ( statue of limitations ) for suing you to collect this d ebt may have expired. It is a violation of the fair Debt Collection Practices Act, 15 U.S.C.1692 et seq., to sue to collect on a debt for which the statue of limitations has expired. However, if the creditor sues you to collect on this debt, you may be able to prevent to prevent the creditor from obtaining a judgment against you. To do so, you must tell the court that the statue of limitations has expired. Even if the statue of limitations has expired, you may choose to make payments on the debt. However, be aware : if you make payment on the debt, admit to owing the debt, promise to pay the debt, or waive the statue of limitations on the debt, the time period in which the debt is enforceable in court may start again. If you would like to learn more about your legal rights and options, you can consult an attorney or legal assistance or legal organization. SLS Contact Information : Specialized Loan Servicing, LLC XXXX. XXXX XXXX XXXX, CO XXXX This letter was received after entering into a loan modification. We had an Attorney contact Specialized Loan Servicing and was able to get absolutely no information. We have tried to speak to SLS but all they say is that we gave you a loan modification. Each month even though we have made payments they send us a new loan modification package. They have admitted that the collection of the debt has expired. PLease help us with this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Plymouth, FL

Trouble during payment process

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

Complaint: My home equity loan was purchased by Specialized Loan Servicing in XX/XX/XXXX from XXXX XXXX XXXX. They, SLS, have sent me notices claiming that my account is delinquent. SLS has been debiting my payments from my bank account and they have all been on time with no returns. When I call SLS, they refuse to talk to me claiming that they can only talk to my spouse. My husband died in XX/XX/XXXX. This loan is in both our names listing me as co-borrower. Also, the will clearly states that I am bequeathed all of his portion of property, real and personal. As I said, when I call they refuse to talk to me and are extremely rude and evasive. One operator told me I needed to get a lawyer. Another told me that I needed to go to the courthouse. Bottom line is that they refused to talk to me even though the loan is in My Name and would not allow me to talk to anyone for resolution. So on XX/XX/XXXX I went to my bank with a friend as witness and they printed up my bank statement clearly showing that SLS had received all my payments. My bank contacted SLS and received the same stonewalling ... Then we went to XXXX XXXX XXXX and a bank officer spent 2 1/2 hours trying to contact SLS and to untangle this mess ... He was able to pull up and send to them all the paperwork regarding this loan which had originated with XXXX ... Original loan documents from XX/XX/XXXX, death certificate, my spouses will, my bank statement showing payments made to SLS, etc. SLS still continues to refuse me access and is now threatening me with foreclosure ... I am a senior citizen who is XXXX XXXX ... Their operators are rude and abusive ... I have often been left in tears ... .Since XX/XX/XXXX several others have heard this abuse as these call have been on speaker phone ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

N Hollywood, 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

Timely Response

2019-10-17

Hercules, CA

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

Timely Response

2019-10-17

Washington, DC

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: REFERENCE CASE NO. XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : SLS third -party mortgage loan servicer XX/XX/XXXX To : Whom it may concern, please refer to case numbers. SLS is a third-party collection agency that is unable to supply proof of debt. Initially Specialized Loan Service lied and said, they were the holder of the Note. The fact that SLS lied about who the holder of the Note reflects their knowledge of the fraud. SLS misrepresented themselves as the original lender collecting on behalf of a mortgage debt established in XX/XX/XXXX. After I filed a formal compliant with Cfpb, SLS than sent me a copy of my original Deed of trust ( the one I supplied the court ) with the account number written in pencil at the top. SLS is in breach of a cease and desist that went into effect on XX/XX/XXXX. Despite being unable to prove the debt, SLS has attempted to establish ownership of my Deed by paying my paid property taxes in XX/XX/XXXX. I am requesting that SLS request the payment be returned to SLS. I am also requesting that SLS stop harassing me and removes the negative comments, made by them, from my credit report. SLS has not establish or provided any proof they are serving my mortgage. Proof of debt was never provided. I can state with all certainty my Deed is not owned by any investors. I am the holder of the Note. XXXX XXXX failed to record the release of my mortgage in XX/XX/XXXX. SLS is a third- party collection agency acting in the capacity of a mortgage debt collector without proof of debt. I have attached several documents all of which provide and supply evidence supporting my claims made in my federal lawsuit. The document titled Independent Foreclosure Review, has been provided to support the claim : XXXX XXXX misrepresented the banks interest in the Plaintiffs property attempting to embezzle the plaintiffs Deed of Trust in XX/XX/XXXX. The Defendant ( XXXX XXXX ) has acknowledged the XX/XX/XXXX slander. The slander was made to try and secure legal conveyance authority, over the Plaintiffs Deed of Trust. The acknowledgement was bolstered upon with the false representation that the fraud was time-barred by the general three-year limitations period. The document dated XX/XX/XXXX and subject titled, issue with HUD Partial Claim document ( s ), has been provided to supply evidence to the claim : XXXX XXXX never processed a valid Partial Claims Promissory Note in XX/XX/XXXX, Not on XX/XX/XXXX or on XX/XX/XXXX. Please note the documentation was sent a year after the Defendant ( XXXX XXXX ) is claiming to have executed a Partial Claims Promissory Note and Second Mortgage Loan. Also, I never re-signed or submitted the documents requested. A copy of the unsigned document is attached. The Plaintiff is seeking to quiet her Title after learning her XX/XX/XXXX Partial Claims Note, was not processed by XXXX XXXX and determined to be invalid and render null and void in XXXX by FHA/ HUD . In XX/XX/XXXX the Partial Claims Note was nullified due to XXXX XXXX not having conveyance of the primary mortgage loan. The primary mortgage loan was released by XXXX in XX/XX/XXXX. The document dated XX/XX/XXXX and titled Notice of transfer of your mortgage, has been provided to supply evidence to the claim : XXXX XXXX attempts to create a legal conveyance instrument, one that would transfer ownership of the Plaintiffs Deed of Trust ultimately, clouded and invalidated the Plaintiffs Deed of Trust. The Plaintiff has been paying on a Note that does not exists. Subsequently, no release could ever have been granted by XXXX XXXX or Specialized Loan Servicing. Please note XXXX XXXX sent a notice in XX/XX/XXXX regarding the transfer of a Partial Claims Promissory Notice that was never processed in XX/XX/XXXX and was nullified by HUD in XX/XX/XXXX. See. Attachment dated XX/XX/XXXX. The document dated XX/XX/XXXX and titled Important information about your mortgage account, has been provided to supply evidence to the claim : The Plaintiff was being defrauded and sent contradicting documents that confirmed a conspiracy to commit fraud. The transactions which clouded the Plaintiffs Title to her property were deliberate and made by XXXX XXXX. The documents that XXXX XXXX presented to HUD/FHA were Nullified. No valid Deed or Deed of Trust was established between XXXX XXXX and the Plaintiff. It is well established that courts may hear a common law action to quiet title in order to prove title, secure title, or to remove obstacles which hinder its enjoyment. Jessup v. Progressive Funding, 35 F. Supp. 3d 25, 34 ( D.D.C. 2014 ) ( quoting in re Tyree, 493 A.2d 314, 317 ( D.C.1985 ) ). In a quiet title action, the plaintiff asks the court to declare that he or she has good title to the property in question and compels any adverse claimant to prove a competing ownership claim or forever be barred from asserting it. 65 Am. Jur. 2d Quieting Title 1. In these actions, the Plaintiff has the burden of showing a title or right superior to that of the defendant as a prima facie case, which means that the plaintiff [ must ] at least prove a title better than that of the defendant, which, if not overcome by the defendant, is sufficient. Jessup, 35 F. Supp. 3d at 36. ( quoting 74 C.J.S. Quieting Title 77 ( 2014 ) ). If the defendant has established the due execution of an instrument, the burden is again cast on the plaintiff to show facts in avoidance. 74 C.J.S. Quieting Title 77 ( 2014 ). On XX/XX/XXXX, Plaintiff, filed a quiet title action asking the court to declare that she has good title to real property owned by the Plaintiff in fee simple and located at XXXX XXXX, as per plat recorded in the office of the Surveyor for the District of Columbia. Property is described in the deed attached and labeled. See original complaint The Defendant, XXXX XXXX, soiled, clouded, and invalidated the Plaintiff Title. The removal of the obstacles placed on the Plaintiffs Title by XXXX XXXX is equitable in nature and law. Specialized Loan Servicing is harassing the Plaintiff and trying to pressure her into making payments before a judgement is made in her favor. The Plaintiff is requesting Specialized Loan Servicing pay 10xXXXX in punitive damages equal to the amount of damage being requested from 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

Timely Response

2019-10-17

Galena, OH

Trouble during payment process

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

Complaint: SLS took ownership of my HELOC account on XX/XX/2019 and it is now XX/XX/2019 and I have NEVER received a monthly statement of my account. My bills are due on the XX/XX/XXXX of the month and not only have I not received a statement for the past 3 months, I have no ONLINE access to verify the account balance, payments, details, etc. This is a clear violation of the Fair Practice Act with regards to TIMELY monthly statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

San Gabriel, CA

Struggling to pay mortgage

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

Complaint: On or about XX/XX/XXXX, I received a letter from Specialized Loan Servicing ( SLS ) informing me that I was in default of my HELOC loan and risk of foreclosure. I had not heard from SLS since XX/XX/XXXX when the loan was assigned to them. During this time I have not received monthly statements or any type of demand for payment until XX/XX/XXXX. In XX/XX/XXXX, I submitted a request for mortgage assistance from SLS and had not heard back with an outcome from them. On XX/XX/XXXX, since I had not heard back from SLS I sent them a letter offering to enter into a settlement agreement, I offered {$2500.00} to have the Deed of Trust securing the debt released ( full reconveyance ). Then on XX/XX/XXXX, I received a " Mortgage Relief Option '' on XX/XX/XXXX. I immediately contacted SLS to discuss the terms of the relief option, I asked why they listed an amount of {$60000.00} to be repaid vs. the reported balance owed in the amount of {$41000.00}. When I contacted SLS no one could give me an explanation of the sum. On XX/XX/XXXX, I wrote to SLS and requested they provide a breakdown of the {$60000.00} and what legal rights they have to collect on this debt, six years have gone by and I have not received a monthly statement or demand for payment. In XX/XX/XXXX, my husband and I filed for BK. Ch. XXXX which resulted in a discharge of debt. I have concerns as to why did SLS waited six years to make an attempt to collect on this debt, why I haven't received a monthly statement from SLS, can SLS collect interest on this debt from date they acquired loan ( XX/XX/XXXX to now ), is SLS targeting properties that now have equity in order to foreclose, how many homeowners have been threatened or are at risk of foreclosure by SLS ' deceptive collection tactic. SLS stopped all attempts to collect on debt until the property had equity. I have not heard from SLS since XX/XX/XXXX to now. No statements, no demand for payment. How can they collect interest for past six years without any notification to the borrowers. I believe that SLS collection practices are abusive and violate TILA and FDCPA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-17

Washington, DC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Specialized Loan Servicing is harming consumers and needs to be held accountable. As many other Americans I had PMI as part of my original mortgage and have since paid off the principal to below 75 % and the automatic elimination of PMI at 78 % is written into the mortgage I signed. 5 months later they continue to charge PMI and refuse to correct and say they will get around to it. The customer service rep over the phone said they do this to all customers and she handles calls about this all day so they clearly stealing money from consumers and giving no way around this. Its not a grey area, its black and white and they should be fined for very consumer they have done this to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response