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 60
2018-01-25
MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: As the file will indicate in the recent past we have had issues regarding the cost to reinstate in order to decide weather to do a short sale, deed in lieu or reinstate.On XX/XX/XXXXI spoke with an SLS rep indicating that we had an offer of {$220000.00}. The SLS rep said that the file was closed and she would send out another short sale package. we never received the package. On XX/XX/XXXX I spoke with XXXX at SLS requesting permission to submit a short sale offer and the reinstatement amount.she said she would fax me the reinstatement amount and did n't think there was enough time to do a short sale.Had SLS sent the application when they said they would there would have been plenty of time. As of today we have not received the promised reinstatement amount. A new request for permission to do a short sale will be sent by close of business today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-25
Saint Charles, MD
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
2018-01-23
Ellenwood, GA
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
2018-01-22
MD
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My home is in foreclosure. I am working with Specialized Loan Servicing. I submitted a request for modification through XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX has not been active as an advocate for me to get relief from SLS. On XX/XX/XXXX I received a letter from SLS indicating they want a letter of explanation. This followed a request for a copy of my pension documents from the XXXX XXXX XXXX County, Maryland. The requester was XXXX XXXX, ID # XXXX. All of this information was to help them modify my loan to a point I can make the monthly payment. Just a few days later, before I was able to submit a letter of explanation I received a letter from XXXX XXXX ID # XXXX, dated XX/XX/XXXX ( just 4 days ) indicating my loan was modified and my trial payments were {$1500.00}. This is the same modification that was offered to me in XX/XX/XXXX. I talked with XXXX XXXX then and told her I could not make that payment due to my fixed income. I am XXXX and receive a Social Security check for {$1800.00} a month and a pension check for {$430.00}. This pension is based on my being a Volunteer XXXX XXXX XXXX for 43 years. I told XXXX XXXX in XXXX I could not afford the monthly payment and needed it to be around {$1000.00} a month. Notwithstanding she sent the same modification out so I can not afford it and they will take my home. She did not reference any of the documents sent to them by XXXX wherein I requested the lower payment. Furthermore they made their decision before I was able to send the letter into XXXX XXXX. In my opinion they are bargaining in bad faith, knowing I can not afford their modification. I have lived in my home since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-22
Chiriaco Smt, CA
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
2018-01-21
Simpsonville, SC
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
2018-01-20
Foothill Ranch, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My wife and I purchased a home in XX/XX/XXXX. We had a great experience with our mortgage broker. As is common, shortly after the close of the sale, the mortgage was sold to XXXX XXXX XXXX ( SLS ). That 's where everything went downhill.
When we got our loan, we were told by our mortgage broker that our PITI would be {$4400.00} per month since we chose to escrow for taxes and insurance ( we did n't have to since our downpayment was significant ). For some reason, SLS was billing us too little ( I do n't recall the exact amount but is was about {$1000.00} less than what we were paying ). Regardless, we continued paying {$4400.00} every single month. After several months, I contacted SLS and said that something was wrong with their billing and that they needed to review their billing. Nothing changed.
I contacted SLS once again in the Spring of XXXX ( do n't recall the date ). They finally took action and were supposed to have fixed everything. They finally realized that our PITI should have been {$4200.00} - which is still more than {$200.00} less than what we faithfully paid every single month and on time. They even sent us a check for an escrow overage of {$1100.00} after they supposedly fixed everything. Then, starting in around XX/XX/XXXX, they starting sending bills stating that our account was delinquent! How can this be when we overpaid every month and they even sent us a check for the overage?!
I contacted our original mortgage broker about the issue in XXXX and he had someone in his company contact SLS on our behalf. We were told that SLS would be contacting us. That never happened!
Finally, on XX/XX/XXXX, I sent SLS a letter detailing the issues from the inception of the loan. Shortly thereafter, I received another statement from them stating that they were trying to collect a debt - to the amount of {$4100.00}! My wife noticed a substantial decline in her stellar credit rating which is absolutely ridiculous. And, they are charing us late charges! How can this be when we were NEVER late and we were OVERPAYING?!
On XX/XX/XXXX, I called SLS and spent an hour on the phone with 3 individuals. First, I spoke with a gentleman named XXXX. After several minutes of researching our account, he found an error in XX/XX/XXXX where they ( SLS ) made a mistake and misapplied {$3600.00}. In fact, considering that we had been still overpaying each month, with the late charges and this amount, we were still overpaid in our account. I asked XXXX to remove the late charges and he said that someone else would need to do that.
Then, I was transferred to XXXX ( not sure of spelling ). I explained the situation to him and he said that he did n't have the authority to reverse the late charges, but would present the case to those who could and said that it should n't be a problem and it should be corrected in 2 business days. I asked him about fixing our credit rating and he said that this was handled by another department.
When I was transferred this time, I got to speak with XXXX. I explained our issues AGAIN and she was very nice and promised me that I would receive a call the very next day. That would have been XX/XX/XXXX and I am still awaiting that call.
I did finally get a response to my letter of XX/XX/XXXX, supposedly written on XX/XX/XXXX, although we did n't receive it until several weeks later. All they said was that they received our letter, would investigate and respond in writing in the time permitted by state and/or federal timeframes. As of today, XX/XX/XXXX, we have not received their findings.
Apparently, my conversation with XXXX was fruitless as I got another bill dated XX/XX/XXXX for {$8200.00} - {$4000.00} more than what our PITI should be!
This company is incompetent, irresponsible and has damaged our credit by their continual mistakes. We are held hostage by them now that they own our mortgage. Other than refinancing, there is nothing that we can do.
We would appreciate your assistance 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
2018-01-19
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
2018-01-19
Santa Ana, CA
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX XXXX, a division of XXXX XXXX XXXX, XXXX ( XXXX ) was the original servicer of XXXX XXXX loan. In XX/XX/XXXX, XXXX XXXX, facing foreclosure scheduled for XX/XX/XXXX, as to his personal residence, submitted a HAMP loan modification application to XXXX XXXX XXXX. On XX/XX/XXXX, XXXX acknowledged receipt of the HAMP loan application. XXXX requested additional documents from XXXX XXXX.
On XX/XX/XXXX, our office notified XXXX that we were the authorized representative for XXXX XXXX and submitted the requested additional documents on behalf of XXXX XXXX. On XX/XX/XXXX, XXXX confirmed our authorization as representative. A signed confirmation was returned to XXXX on XX/XX/XXXX. Thereafter, our office served as the single point of contact. Despite XXXX confirmation that our office was the authorized representative and single point of contact XXXX ignored cease and desist demands and continued to contact both our office and XXXX XXXX directly.
Thereafter, XXXX requested additional bank statements to be submitted by an XX/XX/XXXX deadline. Documents were submitted on XX/XX/XXXX. Despite the timely submission, XXXX denied the loan modification application stating they did not receive a complete application for a modification from you before midnight on the seventh ( 7th ) business day prior to the scheduled foreclosure sale date of the property.
Upon disputing the untimeliness decision, XXXX agreed to review the matter and postponed foreclosure. Additional documents were requested, including P & L statements, paystubs, tax returns, etc. XXXX XXXX complied with such requests.
Citing untimeliness ( of which our client categorically denies ), XXXX requested XXXX XXXX submit a second HAMP loan modification. XXXX XXXX complied and the new application was timely submitted on XX/XX/XXXX. Upon receipt of the RMA, XXXX claimed that the documents submitted were illegible and therefore the RMA was untimely. Despite our office serving as the authorized representative and single point of contact no notice of illegibility was provided.
On XX/XX/XXXX, our office sent a notice of dispute regarding denial of the second HAMP loan modification. After endless changes in customer contact managers, documents requests, and providing those requests in a timely manner, in XX/XX/XXXX, XXXX request resubmission of a third RMA application citing XXXX XXXX failure to state the city and state of his residence and HOA fees were missing! ( XXXX XXXX denies as the HAMP loan application and all previous documents clearly stated his address, city, and state as well providing documentation as to the HOA ).
Pursuant to XXXX request to submit a new RMA application on XX/XX/XXXX XXXX XXXX submitted a third HAMP loan application with documentation. As before, upon submission XXXX responded with numerous excuses while rejecting documents. On XX/XX/XXXX, XXXX purportedly denied a modification under the Home Affordable Modification Program ( HAMP ) stating that XXXX XXXX was unqualified citing in performing our underwriting of a potential modification we could not reduce your principal and interest payment by at least 10 %.
Additionally, XXXX reasoned that the NPV input value did not qualify. However, and most importantly, XXXX invited XXXX XXXX to provide written evidence that one or more of the NPV values was incorrect. Our office timely appealed the NPV input value calculation. No decision was provided by XXXX XXXX as to XXXX XXXX response to the NPV input value calculation.
Instead of providing any response, XXXX notified XXXX XXXX directly ( ignoring our office authorized representative and single point of contact ) stating that they were no longer servicing XXXX XXXX loan and any further requests for assistance would have to be directed to Specialized Loan Servicing, LLC ( SLS ). Effective XX/XX/XXXX, Specialized Loan Servicing, LLC was to be the new servicer of XXXX XXXX loan. At no time did SLS did communicate with our office as to any change in servicing of the XXXX XXXX loan. It was not until a foreclosure notice was taped to XXXX XXXX residence on XX/XX/XXXX that our office became officially aware that SLS was, in fact, the new servicer. Despite our office serving as authorized representative and single point of contact, no notice was provided.
Facing repeated denials of HAMP loan modifications and numerous threats of foreclosures, XXXX XXXX, on or about XX/XX/XXXX, filed a lawsuit in XXXX County Superior Court, XXXX XXXX v. Specialized Loan Servicing, LLC, et al. case no. : XXXX. Upon filing of the lawsuit, SLS counsel stated that if they were to drop the lawsuit, a loan modification would be approved.
In reliance upon SLS counsels representation, three ( 3 ) trial monthly payments were timely submitted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Despite having made the three ( 3 ) trial payments, XXXX XXXX HAMP loan modification was rejected. This time, SLS reasoned that XXXX XXXX failed to timely respond citing that the first trial payment was written from credit card check rather than a personal bank account check. XXXX XXXX will testify that he was never aware of the returned first trial payment check as it was sent to an outdated address of his litigation counsel.
Two additional HAMP loan applications have been submitted in XX/XX/XXXX and XX/XX/XXXX. To date, our office has received no acknowledgement of either loan application submissions. Having been ignored, XXXX XXXX respectfully requests Consumer Federal Protection Bureau ( CFPB ) for assistance in investigating this matter and ultimately receiving a HAMP loan modification for his residence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-18
Stafford, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: This is a follow-up to previous complaint # XXXX against Specialized Loan Servicing, LLC.
After over a month of trying to get the amount due to reinstate our mortgage, we finally thought we were making progress. However, more obstacles were put up by SLS.
On XXXX/XXXX/XXXX ( Saturday afternoon ), we received a letter in the mail from SLS giving us the payoff amount to reinstate our mortgage. The date on the letter was XXXX/XXXX/XXXX, the postmark on the envelope was XXXX/XXXX/XXXX ( meaning the letter was held for a full week before mailing ). The expiration date on the payoff was XXXX/XXXX/XXXX ( a national holiday ). This made it impossible for us to wire the payment on time, as the banks were closed during this entire amount of time. ( payoff statement attached ) Then, on XXXX/XXXX/XXXX, we received an email from XXXX XXXX XXXX ( representing SLS ). This email had a completely different reinstatement payoff amount ( and to them, instead of SLS ), but the payoff expiration was for the VERY SAME DAY ( XXXX/XXXX/XXXX ). We immediately called XXXX XXXX XXXX to get the correct payment amount, so that we could immediately get to the bank and make payment ... XXXX told us not to make the payment until he got back to us with the correct amount ... He never got back to us. ( emailed payoff statement attached ) On XXXX/XXXX/XXXX we called XXXX XXXX XXXX, but they did not have any new information.
On XXXX/XXXX/XXXX we called XXXX XXXX XXXX to again attempt to get payoff amount. Talked with XXXX who told us that the expiration date had passed, payment would not be accepted. She said she would contact SLS to get approval despite date. She emailed SLS multiple times, but did not get a response. She said she 'd get back to us.
Same day ( XXXX/XXXX/XXXX ) we called XXXX. Spoke with XXXX, who transferred the call to Customer Resolution. They transferred us to XXXX, who told us he would figure it out ... Put on hold ... He came back and confirmed our information, then put on hold again for nearly an hour. Transferred multiple times before speaking with XXXX. He said he had no idea what to do. Transferred call to Executive Service Team and put on hold for another XXXX mins. Finally spoke with XXXX, who agreed that the expiration date on the payoff was too short. She transferred us to another department for another reinstatement quote. Spoke with XXXX, again put on hold for XXXX mins. while he reviewed loan. Were told that a new reinstatement quote would have to be submitted. We were told that the new quote would be available on XXXX/XXXX/XXXX, and that they would mail it. We were also told that if we called on XXXX/XXXX/XXXX, we could get amount over the phone. We will call back on XXXX/XXXX/XXXX.
PLEASE HELP US! This endless cycle is now beginning again. When we call back on XXXX/XXXX/XXXX, we assume, like last month, we will not be able to get a correct amount, and by the time we do, it will be too late. We can only assume at this point that SLS is purposely delaying and planning on assigning a foreclosure date. We have never seen such a level of deceit and/or ineptitude. We have spent countless hours on the phone. We are staying diligent, trying to save our home, but can only assume that others going through what we are, could be giving up all hope.
I have attached the quotes from both XXXX XXXX XXXX XXXX SLS..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-18
Coalinga, CA
Closing on a 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
2018-01-18
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
2018-01-17
CA
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: Specialized Loan Servicing, LLC ( SLS ) provided a single point of contact ( poc ) for all communications in resolving late payments on my 2nd mortgage. When I asked for a forbearance on the loan while I worked out the details, the single poc ignored the request. Sometime later, SLS acknowledged that the company received the request but did not act on it instead insisting on my mailing the request to another address. By then it was too late. The poc was never available and did not return phone calls. Often, I was left on hold for up to an hour before being cut off. The company repeatedly asked for documents it already had in its possession or would not explain what they needed. I believe these shady practices were an attempt to move the 2nd mortgage to foreclosure while pretending to help. I sold the home in order to avoid foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-17
Ewing, NJ
Written notification about debt
Debt collection: Other debt
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
2018-01-16
Keyport, WA
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
2018-01-16
Country Life Acres, MO
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
2018-01-16
CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My bank ( XXXX ) account was accessed as a result of fraud. My bank closed the account but neglected to move the automatic payments to the new account.
one mortgage payment ( specialised loan servicing ) was late.
The bank issued a letter acknowledging the problem and admitting fault.
The company refused to take this into account and adjust the report to the credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-14
Mesa, AZ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My mortgage servicer, SLS ( Specialized Loan Servicing ), continually fails to mail adjustment notices for my ARM mortgage. Since they took over the servicing of my loan, I have not received a single adjustment notice without first calling and demanding that they send it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-12
Orchard Mines, IL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My loan was transferred by XXXX XXXX to XXXX on XX/XX/XXXX. I had a bi-weekly partial payment plan set up with XXXX XXXX to ensure a balanced budget, payments received before due date, and allowed for a few extra principal payments a couple times a year towards the principal. Our monthly mortgage payment is {$460.00}, I set up Electronic Transfers directly from my bank to XXXX for {$230.00} on a bi-weekly basis. Those payments have gone into a unapplied funds account until they receive the total, which they then reverse and apply to the monthly mortgage. They told me they will not continue and that they will reject the payment from my bank. A supervisor told me that I needed to send a full payment once a month, that I should transfer money to a different account and then send them the monthly payment when it is due. He continued to tell me that I am not making the monthly mortgage payment because they only receive partial payments. I had this set up because I am currently going through XXXX XXXX and treatments. I do not have to physically make sure the bill is paid. I have been doing this with XXXX XXXX for the last year-and-a half. For example : my bank withdrew {$230.00} on XX/XX/XXXX and will withdraw {$230.00} on XX/XX/XXXX, both of these amounts are towards the mortgage payment of {$460.00} due on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-12
Warren, RI
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: The initial mortgage started effective XX/XX/XXXX, after 2 months with XXXX XXXX the note was sold to XXXX XXXX. XXXX XXXX determined a monthly mortgage payment of {$910.00} including es-crowed taxes and insurance for a 30 year loan on principal of {$120000.00} with fixed interest of XXXX. XXXX XXXX sold the note to Specialized Loan Servicing ( SLS ) during XX/XX/XXXX. SLS notified me on XX/XX/XXXX that the loan had accrued a shortage of {$10000.00} that resulted in a new monthly payment of {$2100.00} until the shortage adjustment was recouped. On XX/XX/XXXX SLS notified me that per recalculation the new monthly payment would be {$1700.00} as the shortage was determined to be {$5300.00}. I was told by phone that I would be requires to pay this new monthly amount for the next 12 months. As I have indicated the payment went from {$910.00} to {$1700.00} without any means of recourse or option to repay over a longer term. The annual escrow increase from XX/XX/XXXX to XX/XX/XXXX for taxes and insurance amounted to {$72.00}. The action I find necessary is for SLS to clearly explain the shortage calculation as well as their denial of my request to lengthen the term allowed to repay the correct shortage amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-12
Granite Bay, 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
2018-01-12
South Florida, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: OnXX/XX/XXXXThe Bank of New York filed a MOTION FOR DEFAULT against me and several other entities ( non of which reside or co-own my homestead property in Florida ).
Since then, I have made several ignored requests for a modification, reduction in monthly payment or an opportunity to short sell.
For clarification, my mortgage payment ( When the loan belong to Bank XXXX XXXX ) increased by {$1200.00} for lender placed insurance inadvertently placed on my account because at the time I had coverage. XXXX My payment went from {$1600.00} to {$2900.00} ) To avoid foreclosure I was approved for a grant ( XXXX XXXX XXXX ) that paid the escalated about for 8 months, during which I hoped I would be granted a modification or the ability to short sell.
I do n't believe The XXXX XXXX XXXX XXXX is giving me a fair opportunity to keep my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-11
Colma, 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
2018-01-10
Stafford, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Regarding Specialized Loan Servicing, LLC ( SLS ).
First, some background on our situation. We fell behind on our Mortgage payments due to a medical hardship. My wife is getting XXXX treatment for XXXX ( her second XXXX in 2 years ), and three XXXX over the last 4 years. We got to the point that we were five months behind on our mortgage payments, so we applied for a mortgage re-modification due to this medical hardship & were denied.
We began saving money so that we could pay off the amount due, and as we did, we decided that we should start sending payments in as we collected. We made a payment equal to XXXX months mortgage in late XX/XX/XXXX, however SLS did not deposit the check.
On XX/XX/XXXX, we called SLS to ask why the previous check was not deposited, and to get our total amount due, as we had saved enough money to get our loan payments caught up. Talked to XXXX ( # XXXX ) who told us that the mortgage had gone into foreclosure on XX/XX/XXXX. However, we had received NO notification of this via mail, or any other contact. Transferred to XXXX, wrong dept., transferred to XXXX, who transferred us to XXXX ... He told us that they are required to give us a 30 day notice ( which they did not ), and that we could request a 30 day extension, giving us time to get our payments caught up, and to send that request to XXXX, and call back in 2 days for the total amount due and payment arrangements. We did just that, AND, requested a return email confirmation ... that confirmation never came.
On XX/XX/XXXX, called back back 2 days later as requested, first spoke with XXXX, who transferred us to customer resolution department. XXXX with XXXX, who put us on hold again, then transferred us to XXXX. XXXX said that they received email, but did not have a quote ready for us ... Asked us to call back on Monday, XX/XX/XXXX.
On XX/XX/XXXX, called back as requested. Spoke with XXXX ( # XXXX ), put us on hold, then transferred us to customer resolution department. Told us the new target date for them to get amount to bring our mortgage current was XX/XX/XXXX. They also told us that there would be foreclosure fees due, but they would not become payable until the end of the loan.
On XX/XX/XXXX, we called back as requested. Spoke with XXXX ( # XXXX ). She transferred us to customer resolution. Spoke with XXXX, who transferred us to customer assistance, where we spoke with XXXX. XXXX told us that nothing could be found in the system regarding our requests. He asked to to AGAIN, to email the request for 30 day extension ( which we did ), and call back on XX/XX/XXXX.
On XX/XX/XXXX, we called back as requested to ask for our reinstatement quote. Spoke with XXXX, who told us there was nothing in their system showing anything was uploaded to customer resolution. Transferred us to XXXX, who put us on hold, before transferring us to XXXX. She said she would escalate it to management, and that we would hear back in 2-3 hours. Never heard back.
On XX/XX/XXXX, we called back, once again, hoping to get our reinstatement quote. Spoke with XXXX, who put us on hold before transferring the call to XXXX in customer service. We were then transferred to XXXX in the recovery department. XXXX then transferred us to XXXX, who told us that our request for reinstatement was now outdated. He did give us the amount due on our mortgage ( XXXX ), but told us that there was more due because of the fees the law firm handling the foreclosure would be charging us. We were told the fees should be inexpensive, because there was no foreclosure date set. He told us they were likely just a couple hundred dollars, but could be higher. We asked where we could get the total amount, and he asked us to call XXXX XXXX XXXX for the total.
Same day, XX/XX/XXXX, we called XXXX XXXX XXXX. They told us that a quote would be in in 3-4 days and that it would be in an email from either XXXX XXXX or XXXX XXXX .... NEVER received email.
On XX/XX/XXXX, called SLS to let them know we never received a quote from them, or XXXX XXXX XXXX. XXXX told us that they never received a quote from XXXX XXXX XXXX & that he would escalate our case to management, and that we would hear back by email no later that XXXX pm .... Never received email.
On XX/XX/XXXX called SLS. Spoke with XXXX AGAIN. He told us we would receive the quote TODAY .... Never received.
On XX/XX/XXXX called XXXX XXXX XXXX. XXXX with XXXX, who told us he would file a complaint & forward it to management & supervisor.
On XX/XX/XXXX called XXXX XXXX XXXX. XXXX with XXXX. Gave her all the information from past calls. XXXX filed another complaint.
In addition, last week, we received a letter from our insurance company, telling us they were cancelling our policy on XX/XX/XXXX, since we no longer have vested interest in our home.
We are now on the phone with SLS again ... We believe they are intentionally delaying the process so we just give up, and they can foreclose on our house. We are at our wits end, but are not about to give up this fight, as we try to save our house during this difficult time. Not only would we like to get this resolved, we think it 's important that SLS is investigated. We need the CFPB 's help in resolving this matter. We are also concerned that even if/when this is resolved, SLS will not " flag '' the foreclosure & will go forward with the foreclosure anyways ... they are truly that inept. Should we hire a lawyer? I 'm sure we are not the only ones going through this with SLS, and it 's heartbreaking to think people are losing their homes due to SLS 's ineptitude and intentional delays. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-01-10
E Strodsburg, PA
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