Specialized Loan Servicing LLC

2017-03-06

Blaine, IL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info 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

Disputed: Yes Timely Response

2017-03-06

AL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My loan was bought out from XXXX to Specialized Loan Servicing , LLC. Specialized Loan Servicing says since I am in bankruptcy that they will not send me a statement and they will not tell me exactly the terms with them as far as date of payment, if my payment is the same, etc., and also told me I did n't have to make a payment while in bankruptcy. I do n't feel good about this as I have read many many complaints of dirty dealings with this company. I do n't want my house to end up in foreclosure, but I want a detailed statement stating what I owe, the monthly payment as XXXX did, and when my last payment was received. They also told me that I have 90 days until my first payment is due since my loan was bought out, which contradicts the whole " You do n't have to make a payment while in bankruptcy. '' I had to hold an hour before talking with anyone and they told me this was their typical wait time and I got nowhere with them. I am worried, please help!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-06

Leeton, UT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-04

Bellflower, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-03-04

CT

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I had a major loss of income in the pass, I 've been trying to obtain a loan modification from my servicer on my own. Things started out well, submitted all requested documents without any issue but since XX/XX/XXXX the servicer has stopped communicating with me. So i contacted via the telephone to see what was going on, I was told that they did n't receive the requested documents i was missing page # XXXX and thatvi needed to resend the entire package and I complied for them to tell me page # XXXX is missing i faxedthe entire package XXXX more times to only be told something else was missing I again contacted my servicer and told them i felt that they were giving me the run around and that i 've used the same fax machine since the beginning with absolutely no problems the prnt out states received ok and how many pages sent at this time more than a month later I was told to just resend page # XXXX which I did and to pay stubs which I sent as required per page # XXXX ..previous stubs had expired.. I received a letter dated XX/XX/2017 that they could n't review my application for a modification because there was less than 45days until the sale date. Please note that my income is adequate for a modification. I feel that my servicer purposely stalled for time so I would n't be eligible to modify my mortgage. There were other incidents that have occurred during this process that I thought maybe they made an honest error but once this happened I knew they were n't honest errors..example ie your monthly income before taxes is XXXX dollars which in fact it was over XXXX.. I need this to be looked into because i can afford to keep my house. Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-03

MA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I called Specialized Loan Servicing , LLC in XXXX about a Forebearance Plan. My Mother was placed in hospice care, in house, in XXXX and I am her primary caregiver. My income was compromised with my need to be home with Mom. A Forebearance plan would allow me to retain the house as long as Mom needs it. SLS sent me the paperwork to apply for a Forebearance plan which I promptly filled out and sent back. About a month later I received a robo-call that they needed to speak to me. When I called I was told that they needed more documentation which I emailed to them that day. A few weeks later I received another robo-call. I called back and was told they needed more documentation, the same ones I emailed earlier. I sent the information again. Last week I received yet another robo-call. I called back XXXX XXXX and talked to XXXX. She said that they needed the mortgage information on a house we rent for summer rentals and rental agreements for next summer. I told her there was no mortgage on that property and that we had as yet to get any rentals for next summer. She said that I had to prove that there was no mortgage. I asked her how she thought I could prove a negative, that my grandfather had bought the property in XXXX for cash. She said I needed to go to the 'County Office ' to get a HUD certificate. Now, HUD was n't created until XXXX and the certificate XXXX was talking about was n't enacted until XXXX. When I told her that no HUD certificates are recorded at the Registry of Deeds and that there was no way to get any certificate since it did n't exist, she said that my application would remain " pending '' until I could produce it. A Forebearance plan does n't change the mortgage except to move the end date. Technically, they should even need this information. So, this means they have no intention of giving me a Forebearance plan since they obviously have no intention of processing my application. This is not an isolated case. On the website XXXX there are a number of similar cases resulting in foreclosure before the modification files are closed. We bought the house in XXXX, XXXX, not with SLS, with the plan to sell a condo and pay down the mortgage to {$80000.00}. Due to the mortgage crisis and recession we were unable to sell the condo for two years at a loss. We paid down the mortgage but not to the figure we planned for. We 've been making our payments faithfully to the detriment of savings and retirement accounts. We have come to the point of no longer being able to do this. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-03

ID

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I received a DELINQUENT TAX NOTICE dated XXXX/XXXX/XXXX concerning parcel # XXXX, which is in XXXX XXXX, Idaho. ( I do n't own any land in that county and never have. ) I made a copy of the notice and sent it to the mortgage company asking for an explanation. No reply was made. A Escrow Account Disclosure Statement, dated XXXX/XXXX/XXXX, was sent to me indicating a much higher mortgage payment will begin in XXXX XXXX, as a result of failure of me to pay taxes on the property in XXXX County that I do n't own. I 'm trying to get the mortgage company to recognize their mistake, but do n't seem to be having success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-03

Rocky Ridge, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-03-03

Maynard, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since XXXX XX/XX/XXXX with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( XXXX ID # XXXX ) keeps giving me incorrect information when I speak to her on the phone, and on numerous occations I receive incorrect correspondance from SLS. I receive similar treatment from SLS as alleged in the class action lawsuit filed in California in XXXX XX/XX/XXXX-Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their application was missing information that had already been provided on numerous occasions ( SLS never called me about missing documents, I always had to initiate phone calls to SLS to receive any information that would speed along the process. 1. In XXXX XXXX SLS asked for a title policy and I said I did not have one from 20 years ago and it appears the title company may be out of business ; another bank told me the banks have the policy not the borrowers. ( 2 ) Then SLS told me my first mortgage had never been discharged and SLS could not do anything until it was discharged. It turned out that this mortgage had been discharged in XXXX. I sent SLS the mortgage discharge certificate which I easily found on the public web site XXXX. Then SLS told me I needed the 2nd mortgage ( by XXXX ) discharged-again I sent them the discharge notice from the same public web site. Now SLS is asking me for the title policy again and I told them I do n't have it. The phone clerk XXXX said she will see what to do and tell me in 7 days-the answer should really only take a day at most ( again stalling ) Stalling the resolution of this process cost me lots of time and needless money-electric, heating, snowploying and insurance costs. Remember this house has been completely empty and ready to give up for 6 months. Remember, As currently alledged in the California class lawsuit, it is alledged SLS violated U.S. Consumer Financial Protection Bureau new guidelines regarding modification guidelines-as is happening in my case.If needed I have every bit of documentation and they supposedly taped every phone call of which there were many, all initiated by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-03-03

Northside, NC

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I was working with XXXX XXXX XXXX. I received a packet from the mortgage Co. Specialized Loan Servicing LLC Saying they had approved us for a Standard Modification. The interest rate was suppose to be lowered and it 's still the same. The payment only went down about {$200.00}. I am disappointed about it too because they said that it would be about {$600.00}. - {$700.00}. monthly payment. Now it 's XXXX. And after the end of the payments we 'll owe a Balloon payment of {$76000.00}. I am not understanding this. Need a lawyer.Which I do n't have the money for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-02

Long Beach, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have fallen into a financial hardship after my husband passed away, My income has fallen and i fell behind on my mortgage and have not been able to bring my account current, i have submitted a complete hardship/modification assistance package on XX/XX/2017 and SLS is refusing to review me for any sort of modification assistance, I dont know what to do and i am afraid of loosing my home. I called SLS after i submitted the file on XXXX and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been following up with SLS every day after submission and they have stated that the modification is being reviewed. after a week of review SLS has led me to believe that i was being reviewed on XXXX SLS stated that they will not review me for a modification. For the past week I was informed that i was being reviewed by SLS now with only 9 days to the sell date of my property SLS wants to proceed with the foreclosure. SLS is doing everything possible to sell my home and not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-02

Woodland, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: My mortgage rated was fixed for ten years, then went to a variable rate. The last fixed rate payment was due and paid XX/XX/2016. The loan was originally through XXXX, but after many changes is now with SLS Servicing. When SLS changed my rate, effective XX/XX/2016 they dropped it two points, from 6.625 % to 4.625 %. They told me the new rate, per my contract, is the LIBOR ( then 1.55011 % ) plus the index ( then 2.75 % ) for a rate of 4.30011 %. So I asked why I was getting a new rate of 4.625 %, which is obviously more than the formula they gave me. They said the rate, per my contract, ca n't change more the 2 % per year, and sent me a copy. But this is what the original contract says : on page XXXX, section XXXX, section ( D ) Limits on Interest Rate Changes : [ The interest rate I am required to pay at the first Change Date will not be greater then 11.625 % or less than 2.750 %. Thereafter, my adjustable interest rate will never be increased or decreased on any single Change Date by more then 2.000 percentage points from the rate of interest I have been paying for the preceding 12 months. My interest rate will never be greater than 11.625 % ] To me this clearly says that when we first go from fixed to variable at the end of ten years the new rate can be anywhere from 11.625 % down to 2.750 %. That 's why those figures are mentioned specifically. After that ( hence the word 'thereafter ' ) the rate will change yearly, but not more than 2 %. I have since written to them four times and called three times ( it is often impossible to get through on the phone ), but they insist that my rate ca n't change more than 2 %. I 've asked why the range of 11.625 % to 2.750 % is spelled out for the initial change then, and what the 'thereafter ' means, but they just insist they are right and I am wrong. Today on the phone they literally said they just wo n't change it, regardless of what my contract says.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-03-01

Pinon Hills, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I fell behind on my mortgage after my wife became ill and the medical bills began to pile up. I was forced into bankruptcy and the payments are overwhelming. I hired an attorney to assist me in applying for a loan modification with my lender, SLS. My attorney submitted my complete financial package to SLS in XX/XX/XXXX ( Approximately XX/XX/XXXX ). My attorney has been calling SLS every week to follow up and provide any additional paperwork they may need. My attorney states they have been very diligent in providing all paperwork on time and confirming all paperwork was received. I was also informed by my attorney that servicers such as SLS are no longer allowed to " evade '' and stall the review process ( RESPA Regulation X ). I feel my servicer has done just that. Today is XX/XX/XXXX and my application and all paperwork has been submitted by my attorney. The most recent note are attached to this complaint. Just today SLS told my attorney that they were going to deny my application for missing paperwork. Today it has been over two months since I applied. All paperwork that was requested was supplied in a timely manner ( At most within a few days of it being requested ). SLS is playing games, dual tracking me, evading review and stalling when they have enough information to make a decision. I am on a monthly payroll. I only receive one check a month and that is it. My wife gets a very small income from royalties and other than that our application is very simple. My attorney states SLS is doing this on purpose to force me to get frustrated and just give up my house. This appears to have broken the RESPA laws and I would like the CFPB to look into it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-01

Etiwanda, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2017-03-01

Salton City, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Specialized Loan Servicing LLC ( SLS ) failed to offer all the loan modifications my mortgage investor, XXXX XX/XX/2005, makes available based on the language in their pooling and servicing agreement. My loan is not guaranteed by the federal government. SLS only offered programs that are available for federal guaranteed loans. Further, SLS failed to state the " applicable requirements '' for XXXX XX/XX/2005 as required by RESPA Section 1024.41 ( d ) 1. My loan modification appeal letters and Qualified Written Request actually stated the requirements and guidelines in the pooling and servicing agreement and what modifications that allowed. In SLS seven response letters to my letters, they never even acknowledged that each of my letters cited the PSA and proved what my mortgage investors requirements were. Each SLS letter repeated that they had to follow the investors requirements, could not do otherwise, and had made available all the loan modifications my investors allow. So they ignored the facts, never discussed those facts and repeated in a non-responsive way their position. SLS has never acknowledge or discussed directly their violation of Section 1024.41 ( d ) 1 I mentioned. Instead, they would refer to clauses in RESPA and Regulation X that said they did n't have to disclose anything about the PSA. Their responses used the original language of RESPA before it was amended and failed to account for what the CFPB said in its interpretation of the final rules that were published in the Federal Register. Once again, they would not directly discuss an issue presented and used boilerplate language which was not relevant or had been amended to justify their non-responsive position. What started out as my attempt to have SLS offer me a loan modification my mortgage investor allows and approves of, turned into something greater. Through SLS letters to me and my six responses which total 46 pages, SLS demonstrated in its responses that what it was saying to me is most likely how it deals with all loan modification applicants and all borrowers. So this complaint is not just about my loan. It is about all loans serviced by SLS that are not guaranteed by the federal government. Based on how they incorrectly apply RESPA and their use of repetitive answers which are non-responsive to facts and issues presented, there is a high probability this reflects how SLS deals with all borrowers. I have read RESPA and Regulation X, the CFPB interpretations of the final rules published in the Federal Register, the Mortgage Settlement Act, California law, U.S. trust law, pooling and servicing agreements, and studied th operations and structure of the mortgage servicing industry. I have also talked with attorneys and other experts about all this including an attorney who works for the XXXX. My complaint is the accumulation of over 2000 hours of research and analysis about issues that relate to mortgage servicing. I may be submitting a complaint as a consumer about my loan but I 'm also a management consultant who is submitting this complaint on behalf of all borrowers. Let me summarize what SLS has done wrong here. SLS did not follow XXXX XX/XX/2005 Sale and Servicing Agreement requirements and guidelines for loan modifications. SLS failed to meet the burden of offering all the loss mitigation options the investor allows as the CFPB requires. SLS failed to state the applicable requirements of XXXX XX/XX/2005 that RESPA Section 1024.41 ( d ) 1 requires. SLS falsely stated that it is following the requirements of XXXX XX/XX/2005 when it is not and evidence has been presented to prove it is not. SLS incorrectly used clauses from RESPA and Regulation X to justify it 's lack of disclosure. This remains an active appeal. Attached is a 16 page case that justifies a CFPB investigation and enforcement action
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2017-03-01

Washington, DC

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX XXXX, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by {$250000.00} and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the {$250000.00} pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on XXXX/XXXX/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On XXXX/XXXX/17, I contacted the company again and was notified by XXXX ( Employee # XXXX ) that I was given incorrect information and that I needed to make the principal pay-down first and then submit the letter requesting a loan recast. XXXX could n't explain why I was given incorrect information by SLS customer service twice, or why they neglected to let me know that I was not following the correct process to have my loan recast. I instructed XXXX to log a consumer complaint and that I would be reporting SLS to the CFBP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-03-01

Occoquan, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Lender / Servicer : Specialized Loan Service ( " Servicer '' or " SLS '' ) Property Address : By email : XXXX To : Distribution Dear Sir / Madam, 1. Multiple Requests for Mortgage Assistance ( RMAs ) submitted. Specialized Loan Service ( Servicer ) ( " SLS '' ) has erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA and CFPA. I have submitted several Requests for Mortgage Assistance ( RMAs ), in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. a. Errors. SLS has imposed in each of my RMAs requirements to submit documents : 1 ) not applicable, 2 ) and/or not required for my circumstances ; 3 ) and/or have previously been submitted ; in violation of RESPA and CFPA. ( 1 ) SLS in the above ( 4 ) RMAs continually requests documents relating to my estranged spouse, even though that person : ( a ) Has not occupied or lived in the Property Address since XX/XX/XXXX ; ( b ) Has not contributed to the mortgage since at least XX/XX/XXXX ; ( c ) Has surrendered interest in the Property Address in a XX/XX/XXXX federal bankruptcy proceeding ; ( d ) Has been discharged from liability on mortgage by a XX/XX/XXXX federal bankruptcy court order ; and ( e ) Is precluded by court order from using the Property Address ( 2 ) I have on multiple occasions provided XXXX the following documents to demonstrate that my estranged spouse is a non-occupying, non-contributing, former borrower, who has no liability on loan number ( a ) XX/XX/XXXX-present rental agreement for a residence other than the Property Address ; ( b ) Discharge order in federal bankruptcy case ( entered XX/XX/XXXX ) ; ( c ) Credit report ( s ) demonstrating residence at an address not the Property Address ; and ( d ) Court order giving me ( temporary ) exclusive use of the Property Address Despite my claims and supporting documents, SLS in all ( 4 ) of the above RMAs repeatedly and continually asks me for documents about the non-occupying, non-contributing, former borrower, who has no liability on loan number, and to which I have no access, and can not provide. Such repeated requests include documents about income, liabilities, assets, taxes, and unemployment, for the non-occupying, non-contributing, former borrower, who has no liability on loan number. b. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time. In every case, SLS has failed to evaluate me for mortgage assistance because I can not provide requested documentation to which I have no access, which is not applicable, and/or not required, and/or has been submitted previously. c. Failure to provide accurate information. SLS is continually requiring a signature and/or information from a party unnecessarily. SLS continues to require financial information for a non-occupying, non-contributing, former borrower, who has no liability on loan number. d. Dual tracking. SLS has engage in improper dual tracking by filing a motion for relief in bankruptcy case no. ( Bkr. E.D. XXXX Va. ) while complete loss mitigation application ( s ) are pending. Further, SLS has sent multiple Notice of Default and Notice of Intent to Foreclose letters while multiple loss mitigation applications are pending. e. Failure to Respond to XXXX. SLS has failed to acknowledge and failed to respond to my multiple Requests for Information sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 2. Conclusion and desired resolution. For the above reasons, SLS is in error and not in compliance with RESPA and CFPA. I desire SLS to remove my estranged spouse from the loan and designate me as the primary and sole borrower, process fully and completely evaluate my application for a loan modification, and respond to my repeated requests for information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-28

Bremen, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Mortgage paid off by certified check on XX/XX/XXXX. Company did not submit request to XXXX County until XX/XX/XXXX. I can not get a straight answer from SLS about receiving my deed. Getting conflicting information from two different representatives at SLS. Promised documentation not sent to me by company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-28

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2017-02-28

Garrett Park, MD

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-02-28

Kingstree, SC

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-02-27

Queens, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I have tried to obtain the paper work needed for my mortgage and up to now SLS Mortgage services has not given all the paper work to XXXX. XXXX is telling me that page ( XXXX ) of the note is missing ( this is the page that shows the endorsement ) and they also need the updated assignment SLS sent the same papers previously and XXXX informed them then that there was paperwork missing. I really need help in this matter XXXX Loan # : XXXX XXXX Acct # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-27

Arlington, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on XXXX/XXXX/2017. None of my insurance information transfered over and SLS sent a letter stating I did not have insurance and stated it was a condition of my loan to have insurance. I provided the Condo Master policy and my Condo unit policy. The Condo unit policy had just been renewed and the new policy information had been sent. On XXXX XXXX, 2017 SLS sent me a letter indicating they were charging me {$200.00} for the lapse of insurance from the date of their loan acquisition, XXXX/XXXX/17 to the beginning of my new policy XXXX/XXXX/2017. This administrative error as part of their MSRs purchase should have been handled in another manner and no mortgage customer should have been charged due to their inability to maintain the documentation from the previous servicer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-26

Irvine, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2017-02-26

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response