Specialized Loan Servicing LLC

2017-10-13

Woodland, 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

2017-10-13

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

2017-10-12

Ocklawaha, FL

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt is not yours
Complaint: Good morning. My name is XXXX XXXX XXXX, XXXX # XXXX. I represent XXXX and XXXX XXXX in the following situation : Earlier this year XXXX and XXXX 's mother, XXXX XXXX lived in XXXX XXXX Florida at XXXX XXXX XXXX, XXXX XXXX Florida, XXXX and passed away in XXXX. She has a mortgage on the home secured by XXXX Bank as the owner and SLS as the servicer. The home is now in foreclosure and just came out of probate as the 2 sons, XXXX and XXXX are the executors of the estate of XXXX XXXX, XXXX, they are NOT liable for her mortgage debt. To make things easier to get past this, the son 's have hired me to negotiate a short sale with the servicer, SLS and I am moving forward with that. Here is the problem. The foreclosing attorney, XXXX XXXX of XXXX XXXX XXXX, XXXX Fl, XXXX keeps sending XXXX, XXXX and even their spouses summons and filing for foreclosure to collect the unpaid mortgage on their DEACEASED mother 's home. The servicer, SLS has all of my representative paperwork stating that I now have a cash borrower and we can negotiate a short sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-12

Fairburn, 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

2017-10-12

Richmond, VA

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

2017-10-10

Hialeah, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-10

Houston, TX

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

2017-10-07

Rockwell, NC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: SLS - Specialized Loan Servicing We have varied " to bring our loan current statements ''. The amount goes up and down for no apparent reason. Statement on XXXX is {$250000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached Statement on XXXX is {$240000.00} with past due amt {$230000.00} attached Statement on XXXX is {$240000.00} with past due amt {$240000.00} attached These variations are completely unreasonable, without any explanation. and make no sense. This is most unfair to us. We have not received an itemized charge sheet as we requested in a qwr in XXXX XXXX. We get the run around when we try to talk to anyone about this. I am sending this complaint and will follow up with a lawsuit. How can we bring our arrears current? This is beyond unfair to consumers!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-06

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

Timely Response

2017-10-06

Woodland, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-05

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

2017-10-05

Marysville, OH

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2017-10-04

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I have been trying to have a PMI payment cancelled with XXXX, after my mortgage was resold to them at the beginning of the year. Currently, PMI is still being taken out of escrow despite my mortgage now at 76 % XXXX. When at 80 %, they required a {$500.00} appraisal on the property when we had refinanced 6 months earlier. This itself is ridiculous as a quick mls search in area within the last XXXX mos is sufficient to see the value of home had not declined. A full reappraisal in such a short time period is absurd, and an abuse of fair reading of the law. As the appraisal cost was more than continuing PMI payments until reaching 78 %, I waited. We received a letter in XXXX saying PMI would be cancelled automatically, as required by law, at 78 %. When I realized PMI was still being charged after hitting 78 % i called XXXX, only to have a representative try and tell me I had to hit 78 % of the balance of the loan when refinanced, not the value of the loan, a ridiculous lie. XXXX minutes of phone arguing eventually had them tell me I must submit a written request to remove PMI XXXX despite this in explicit violation of the law ). I did. XXXX months later, I am still trying to get the PMI payments halted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

DE

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: 1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 7. REFUSING to apply my payment to the mortgage is not advice. 8. Telling me it can only be applied to the principal is not advice. 9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. I ca n't do that. 11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

Foothill Ranch, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Attention Cfpb complaint XXXX I just filed a complaint and I forgot to add to my note that I am waiting for my social security benifit to come through as you Know how government offices work they are late and take too long I also am in contact with office of XXXX XXXX XXXX XXXX and they are on my XXXX case This was addition to the complaint I just filed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-10-04

Portland, OR

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

2017-10-04

Glen Burnie, MD

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

2017-10-04

Kosmosdale, KY

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

2017-10-04

Foothill Ranch, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Cfpb front website page says were are on ur side but really they are not its amaze me that servicer lies and cfpb falls for it My hardship was created by the employer sudden XXXX off of income it will cause problem to the point that the sudden stress will have a suvier effect on the health. XXXX XXXX bank have a complete ownership to all of my problem because they knew what were they doing and they knew what a monster SLS are but XXXX XXXX was only interested about the profits they making off of selling my home My question is again my hardship was caused and created suddenly by my employer now is it ok that I loose my home become homeless??? SLS never worked with me they assigned Person name XXXX XXXX she was never available didnt mather what time of the day call her I spoke with her twice and the only thing she told me was to given my Home to SLS never tryed to help and work out Tords I stay in my home Requesting document repeatedly and still requesting and say they never received it XXXX XXXX XXXX ID # XXXX called me once and when I explain everything was happening She again request some document that I had allready faxed numerous times assured me that she will personally will work with me and help me but that was also a lie and nothing happened SLS requesting me pay them {$40000.00} After all the evonanatiom of how my hardship stared My question is what part of my hardship SLS didnt unferestsbd or what part of I have financial hardship let SLS to think that I have {$40000.00} to pay them. If I dont have a financial difficulty wound I be in the situation I am right now???? So cfpb I am asking u to pay attention to how SLS lies menaplate and twists things Again I was put in this mess by my employer and the results of it had a terrible impact on my health my wife has a XXXX XXXX her XXXX is high constantly Doctors tells me no stress stress cause XXXX XXXX XXXX XXXX dont work when I told the doctor about our situation he broke in tears This is this how it is when familys goes through hardship they have to die that is the results I requested many many times I need the name of the monster invester who cheated and gave me this garbage loan he shouldnt buy this loan and he made tuna a profit of of this trioble loan I know the invester dont care about me all he care about is his profit and thats the reason SLS comes to the picture With everything going on with us health concern I am not giving my home to anybody nor leave or move I ask SLS to work with me not evict me SLS claimed that they put me on a trile payment My payment was {$1600.00} when my husband got laid off statement is provided Now SLS put me on a trail payment for {$2000.00} how is this affordable????? Please unferestsnd that my hardship was caused and created by my employer the results should not be me become homeless There are many programs like forbreance Reduced interest late fees reduction principal balance etc I need invester to contact 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

2017-10-03

Hamilton, 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

2017-10-03

Herriman, UT

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

2017-10-03

Hinsdale, IL

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

2017-10-03

Allentown, PA

Trouble during payment process

Mortgage: VA 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

2017-10-02

Kelso, WA

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

2017-09-30

Staten Island, NY

Struggling to pay mortgage

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