Specialized Loan Servicing LLC

2017-02-25

Kosmosdale, KY

Application, originator, mortgage broker

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

2017-02-25

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX XXXX Specialized Loan Services ( SLS ) assumed servicing of my mortgage Loan XXXX. Such time, SLS has misappropriated funds, charges misc. fees never explained, raised payments without justification, payments have not been posted to my account properly, I 've been reported to the credit bureaus for late payment when not late and most recent, they have increased my principal balance. For almost 4 years I have filed complaints like this, I 've spent over {$200.00} in certified mail communications to SLS and every week a new issue arises. This week, per a recent CPFB complaint filed, I received an accounting ledger from SLS from XXXX XXXX to present of their payment history which differs greatly from mine. XXXX documents are attached to this complaint along with a screen shot of my account on SLS 's site showing increase of principal. I provided their account ledger to my accountant who notified me that she can not make heads or tells of their accounting. She stated that it is so convoluted and there is no pattern to the way they apply and note funds. In addition, they never recorded my XXXX XXXX payment which was paid to SLS by Check # XXXX and cashed by SLS on XXXX/XXXX/XXXX. If someone from SLS does not contact me to review my account in full, line item by line item, within 30 days of the submission of this complaint, I will retain legal representation and SLS will reimburse for all costs involved in reclaiming my lost funds and correcting my account status.
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

2017-02-25

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Specialized Loan Services has been using unfair accounting practices to charge usurious fees, and also to claim I am 60 days late. I have spent days on the phone, much of it on hold for hours and hours, often getting hung up on after investing half a day, and each new person I speak with can not tell me directly the status of my account. Even their employees ca n't make sense of their internal ledger. When interest rates change, and my monthly payments is updated, I am not notified. Months pass and my automatic payments continue diligently, until one day I receive a notice to foreclose on my home. Shocked, I call them and, eventually discover I have a new payment amount, arrive at an agreement of what I actually owe, and make an additional payment to cover the differences and fees to become current. Many months later, as this has happened on several occasions, their accounting somehow shows something completely different. I am told that I missed payments. I have bank verification proving that I did not, but they insist, because of their bizarre accounting, that I am wrong! I am getting nowhere and I am beyond frustrated. It would not surprise me to learn that some of their methods are illegal. The hour minimum " hold '' times, rude representatives, muddy accounting, and the mysterious disconnects are very discouraging. By discouraging frustrated customers who are trying to resolve a problem, more fees will be generated - meaning more income for SLS.
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

2017-02-24

Queens, NY

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was started originally with XXXX Bank and then XXXX Bank changed banking of mortgage and turned my paper work over to SLS ( Acct # XXXX ) I decided that i did not want to be with whom XXXX threw me to and chose to continue my mortgage for my home with XXXX XXXX ( Loan # : XXXX ). SLS gave me information that i had to pay monies in order to retrieve original documents from an attorney office called XXXX XXXX XXXX XXXX. I did all they requested and paid monies but SLS and the attorney has not forwarded the requested information over to XXXX XXXX and this is hindering me obtaining a closing date. This would be my second time going through this process and getting no where with SLS. Everything that XXXX XXXX of XXXX XXXX has asked and requested, i have given and except for this part of the transaction. I can go no further with XXXX XXXX unless SLS releases documents Underwriter is requesting from them. I feel as though they are trying to force me into staying with them and i do not want to. XXXX XXXX XXXX from XXXX XXXX XXXX XXXX is very rude and never returns any calls. She told me it was out of her hands but it is SLS who they acquire paper work from and forward over to appropriate parties but it seems she has not a care. I am requesting help immediately to resolve this problem, as it has been going on for 2 years now. Any assistance would be gratefully appreciated.
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

2017-02-23

Gloucester City, NJ

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

2017-02-23

Glenarden, MD

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: Yes Timely Response

2017-02-22

Mountain View, OK

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: This is concerning my previous claim that was only partially addressed. The case number : XXXX would time out every time I tried to dispute the claim so I am entering a new claim in reference to the aforementioned case number. SLS finally resolved part of our issue and claimed responsibility for giving out misinformation regarding the amounts due and the due dates. However, they have not addressed the main issue which is the XXXX payment that is past due because of their failures. We never received a statement for XXXX and we do not have the finances to pay an extra payment now on top of our current monthly payment and obligations. The explanation SLS gave us was -- basically they messed up and its " unfortunate '' that they gave us misinformation, but there is nothing they could or would do about it. The fact is, we were told by XXXX separate representatives for their company that we had no payment due for the month of XXXX and both advised us not to send a payment. This has been verified and confirmed by the leadership of SLS. A supervisor by the name of XXXX ' listened to the conversations and collaborated my claims that we were given misinformation on XXXX XXXX and XXXX XXXX via recorded phone conversations with their representatives. During the conversations, we were also told to disregard the incorrect billing statements and NOT to remit payment for XXXX. Furthermore, we did not even get a statement for XXXX. In fact, we still continue to get incorrect billing statements even to this date. We have not received a single correct billing statement for the past 4 months. To add more to the confusion, SLS has retroactively changed the amount due every month since XXXX as well. Most of the time these changes have been without any disclosure or in a couple instances, we were notified after the fact. They finally addressed the initial issue of overcharging us by over {$1800.00} per month on XXXX XXXX after numerous attempts from us to inform them of their errors. I have included copies of the erroneous billing statements for XXXX, XXXX and XXXX as evidence. I would have included the XXXX statement, but SLS did not have XXXX to send me. HaHaHa! You do n't say??? As you will be able to see, they have our regular monthly payment listed as {$6800.00} on the XXXX and XXXX billing statements and also claim a late payment for XXXX. Our payment BEFORE the modification was only {$5800.00}. Why would we do a modification for our payment to go up {$1000.00} per month? I have also included a copy of the Loan Modification Agreement signed by SLS on XXXX/XXXX/XXXX showing the borrower promises to make principal and interest payments of {$3800.00} and the escrow would be {$1100.00}. This would make the total due only {$5000.00}. This is over {$1800.00} less than what our billing statement showed. Also, note that the document was signed by the SLS V.P. a day after the supposed billing due date. This just further illustrates and explains why we did not get a statement for XXXX and also why their representatives said " the loan was in underwriting and no payment was due. '' There is also proof on the recorded statements that we asked multiple times if we should remit payment for the amount on the modification and both representatives told us emphatically, " No '', '' Your first payment is due XXXX XXXX ''. Finally, I have also included as evidence a statement SLS sent dated XXXX/XXXX/XXXX, that I received on the XXXX, stating our escrow account was changed from an analysis conducted on XXXX/XXXX/XXXX, resulting in a new increased monthly payment that was EFFECTIVE XXXX XXXX, XXXX. This is being submitted as just XXXX of the many examples of unfair business practices conducted by SLS. It is not ethical and probably not legal to change the amount due 2 weeks after the due date and retro its effective date to the beginning of that current month.
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

2017-02-21

Fair Oaks, CA

Loan servicing, payments, escrow account

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

2017-02-21

San Gabriel, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: SALE DATE SET FOR TUESDAY XX/XX/2017!!!!! A modification package was sent in on XX/XX/2017. Please see attached email confirming that information. The homeowner has a sale date set for XX/XX/2017. We have been contacting SLS on a weekly basis since that week. Each week they have asked for ONE thing. Homeowner has diligently complied with every request to the extent that a full narrative would not be productive. SLS is now stating they did not have the file 37 days prior to the sale date which is inaccurate. SLS is refusing to properly review the file and stated that they are foreclosing on the home. This complaint is being sent in for numerous reason. XXXX has been discriminated against based on his race, ethnicity, language and national origin. The number of times that we have spoken with SLS to check status of the file should extinguish any opportunity to excuse their behavior. The attitude from the employees and or managers in unacceptable. Furthermore, SLS does not know how to properly review the file. There is NO reason for this to be happening. The file made it to underwriting and they are STILL refusing to postpone the sale date. They are in violation of the CA homeowner bill of rights and are dual tracking. Today on XX/XX/2017 employee by the name of XXXX confirmed they are dual tracking. he stated " they are aware of California laws and are still foreclosing, '' Supervisor XXXX was informed of all issues and the fact that they had the file since XX/XX/2017, and refused to offer any assistance. The events described above are just a sample of the practices that are taking place with SLS. There are additional numerous issues. 1 ) Failed to timely respond to loan modification applications ; ( 2 ) Failed to accurately inform what information was missing in order to process their loan modification application ; ( 3 ) Falsely stated the application was missing information that had already been provided on numerous occasions ; ( 4 ) Denied borrowers ' loan modification requests without an appropriate explanation ; and ( 5 ) Wrongfully threated foreclosure while a borrower 's application was still under review. We will be filing a complaint in district court if the sale date is NOT postponed.
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

2017-02-20

Billerica, MA

Loan servicing, payments, escrow account

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

2017-02-19

West Newfield, ME

Settlement process and costs

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

2017-02-18

MO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My mortgage was sold in XX/XX/XXXX from XXXX to Specialized Loan Servicing LLC ( SLS ). I contacted SLS regarding an application for a loan modification due to some unforeseen circumstances that had happened regarding my home. They mailed me out an application and I also printed one from their online website. I contacted them regarding how I should return the application. The lady said I could mail it to the address on the application, email it to the address on the application, or fax it to the number on the application. Since I had pictures to attach to the application I decided it would be best just to send it via email. The email address they gave was XXXXXXXXXXXX. Every time I sent an email I got a confirmation email back saying my documents were received and waiting to be processed. Starting on XX/XX/XXXX, I started receiving calls from SLS 's main number XXXX the caller identified herself on my voice mail as XXXX XXXX with the underwriting department at Specialized Loan Servicing. After a few days of phone tag, we were finally able to touch base. I spoke with XXXX on XX/XX/XXXX and she was wanting to discuss my modification approval for a HAMP modification. She also said the paperwork had been mailed out but since I had n't gotten it she would email it to me and that I would n't be able to open the email without a code and the code would be my social security number. She said this was for my protection. I received the paperwork and looked it over. The loan number on the paperwork was mine, the amounts added up, the phone numbers were to SLS so everything seemed legit especially since the only people who have my loan number were me and SLS. Remember loan numbers are NOT public information. I signed the document and sent it back to SLS 's email at XXXXXXXXXXXX and got a confirmation email back saying it was received and being processed. I also made 2 payments towards my trial period payments totaling {$1200.00}. On XX/XX/XXXX, I received a call from SLS touching base to see how things were going and to let me know they were missing some documents to finish up a loan modification. I told him I always spoke with XXXX, he said that XXXX worked out of their XXXX office and it was only by chance that I always got her. I explained I had already signed a modification agreement with them that XXXX had sent me and made 2 of my three trial period payments. He looked at the agreement ( 6 days after they received it ) and told me it was n't something they had sent me. Then tells me the numbers on the agreement were n't to SLS he said that the number for where my loan was at was XXXX. Obviously, XXXX did n't have very good XXXX because that is the exact number that was on my papers. I have made a report with my local sheriff 's office, the white collar crimes division of the FBI, and the fraud department with HAMP.
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

2017-02-18

Chicago, IL

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

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: No Timely Response

2017-02-17

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: On XXXX XXXX, XXXX SLS assumed my mortgage from XXXX. At the time of the transfer neither hazard insurance ( both homeowners and flood ) and property taxes were not impounded by XXXX. In XXXX XXXX, SLS paid the homeowners insurance creating a significant escrow deficiency ( negative escrow balance ). The insurance was paid by me ( the borrower ) as my insurance was not impounded. In XXXX XXXX a refund of the homeowners insurance was mailed to SLS in order to cover the escrow deficiency and close the escrow account. The escrow refund amount received by SLS was incorrectly applied as a principal curtailment and the escrow account remained open with a negative balance. In XXXX XXXX an escrow account disclosure statement was received as a result several letters were sent to SLS on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX requesting the escrow account be closed and the escrow reimburse funds sent to SLS in XXXX XXXX ( that were incorrectly applied to principal curtailment ) be deposited in the escrow account clearing the deficiency. This request was not addressed or completed. In XXXX XXXX the flood insurance was paid creating another duplicate payment of the insurance. Another request was submitted to SLS to close the escrow account which was denied by letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX because the escrow account is negative. ( It is my position that if the refund in XXXX had been applied appropriately and/or the letters requesting the escrow account be closed I would not have an escrow account with a deficiency ). During XXXX and XXXX a number of calls occurred between SLS and me predominantly to express my dismay that my credit rating was suffering by SLS reporting inaccurate information. On XXXX XXXX I wrote a letter to SLS explaining the problem, as best I could, requesting that SLS remove their negative reports to credit agencies as I was a victim of their incompetency and erroneous accounting. I received a response to this letter dated XXXX XXXX. This letter explained some of the erroneous accounting on SLS part and included a spreadsheet of all payments and transactions since inception. The spreadsheet clearly shows that my XXXX principle and interest payment accounted for on XXXX XXXX was never applied to principle and interest. For XXXX, XXXX and XXXX SLS contends that I am delinquent by one month. I contend that I am current. I received a statement dated XXXX/XXXX/XXXX showing an amount due of {$3600.00}. This was comprised of principle and interest of {$3400.00} and a late charge of {$170.00}. My contention is that if the XXXX payment is applied correctly the principle and interest for XXXX is current. The late fee is erroneous because I have never been delinquent with my payment. I spoke with XXXX ID # XXXX who told me that the late fee was now {$180.00} and if I paid that my account would be in balance. I refused to pay as I do not owe a late fee. She said she would look through the accounting to see if she could spot where that evolved and indicated that she could see that the XXXX payment was never properly applied. I wanted to refinance my mortgage in XXXX but could not because my credit rating was so low. This was directly because SLS reported me as a credit problem. This was totally incompetent and incorrect. SLS had No right to XXXX my credit. As a result I have missed out on lower interest rates and the ability to take cash out. With the change in the interest rate and circumstances surrounding my mortgage, I contend that SLS has damaged me to the amount of approximately {$100000.00} considering the swing in interest and the cash out amount that was obviated.
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

2017-02-16

East Vineland, NJ

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

2017-02-16

Colo Spgs, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: The lender placed the file in review and did not postpone sale for this review - the lender is in violation of Dual Tracking. The lender also is not allowing the time in which the client has to appeal the decision on the review for loss mitt. The loan was denied on XX/XX/2017 due to not being able to get the pmt to 31 % and it was stated that the LTV was to low to modify the loan - The lender should offer additional options. The property is value is higher than the current loan balance and the lender has not provided how they calculated the LTV - the lender is also in violation of RESPA - We are asserting a violation of the dual tracking provisions of Regulation X sections 1024.41 ( f ), 1024.41 ( g ), or 1024.41 ( j ). We were told today that the sale is still set b/c the lender has " completed review and is now issuing a denial '' - to which we still have no valid reason for nor have our clients been granted an appeal period. The borrower does not yet even have a letter stating such reason for notification of denial. RESPA : ( 2 ) Deadlines. A servicer shall permit a borrower to make an appeal within 14 days after the servicer provides the offer of a loss mitigation option to the borrower pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section. ( g ) Prohibition on foreclosure sale. If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Sale date they ( did not postpone during review ) - dual tracking, is less than 14 days away ( appeal period )
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

2017-02-16

Scottsdale, AZ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have submitted multiple complaints against Specialized Loan Services, LLC ( SLS ). My account has been grossly mismanaged since they assumed responsibility for servicing it. I am told one moment my account is current and then I receive past due notifications. I have spoken with multiple people at SLS over the course of over 2 1/2 years and today again ( XX/XX/XXXX ) spoke with multiple SLS representatives and was told different scenarios about my account ... I 'm current, I 'm past due, they need to do more research. I was told on XX/XX/XXXX by XXXX in SLS 's Executive Branch that my 'missing funds ' were found and a letter was mailed to me on XX/XX/XXXX explaining everything and verifying my account is current. However, to date, I have not received any such letter but continue to receive weekly past due notices. I have paid {$520.00} toward extra principle and never have those funds been acknowledged or applied to my account. SLS is not transparent in the handling of my mortgage payments. In addition, due to their mishandling of my account, my credit report has been affected negatively. This has been going on for over 2 1/2 years and I need SLS to be transparent and be held accountable for what they are doing ( or NOT doing in this case ).
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

2017-02-16

Milwaukee, WI

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

2017-02-16

San Gabriel, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I am working with SLS and trying to get approved for a short sale. They are requiring my Real Estate Broker and Escrow Office to show a credit to them for proceeds received at the close of escrow in an impossible manner. My Real Estate Broker has tried to resolve the issue with their management but to no avail. If this short sale is not approved, the only other option available is foreclosure and I want to exhaust all avenues before that happens.
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

2017-02-15

Somers Point, NJ

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: No Timely Response

2017-02-15

Millcreek, UT

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

2017-02-14

Columbia, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: According to the cfpb website, I have been eligible for PMI termination for quite some time. I called Specialized Loan Servicing and inquired about this and was told by the first representative that I had to have 80 % equity before I could drop my PMI. After researching your site, I called back and got another representative and was told that the aforementioned representative was incorrect and it was actually that my principal needed to be 80 % of the original value ( in other words I had to have 20 % equity ). I asked how much equity I currently had and was told almost 50 %. I explained to the representative that if that is true, SLS should have cancelled my PMI years ago. I was told a request to look into this matter would be sent in and someone would call me back within 10 business days. It has been more than 10 business days and I have not heard anything from anyone.
Company Response: Closed with explanation

Disputed: No Timely Response

2017-02-14

Chestnut Rdg, NY

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
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

2017-02-14

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt was paid
Complaint: Wells Fargo NA as a trustee with XXXX XXXX XXXX XXXX foreclosed and won a final judgment on our home when 1 ) there was NO LIEN on our property description and 2 ) under a false fabricated trust which the Securities and Exchange Commission confirmed does not exist which is Certificateholders of Master Asset Backed Securities Trust XXXX, Mortgage Pass Through Certificates, Series XXXX. The case was initiated by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX County Florida case # XXXX against XXXX and XXXX XXXX. XXXX XXXX XXXX Firm abandoned the case and XXXX XXXX XXXX firm took it upon themselves to continue the lawsuit in XXXX. They are a very aggressive, unscrupulous law firm that submitted fabricated fraudulent evidence and a robowitness that testified he was there for XXXX until their lawyer XXXX XXXX showed him the final Judgment paperwork to recite. This was at the very beginning of the trial! XXXX XXXX XXXX provided the witness for trial. They sent us a XXXX IRS form, XXXX XXXX, stating that THEY were the lender with false figures and a fabricated loan number. XXXX XXXX they sent a real estate representative to strong arm us with paperwork and threats that we need to have a backup plan and we need to get out now! We believe they also hired attorneys from XXXX XXXX XXXX located in XXXX XXXX Florida to also threaten us to leave. We reopened the case when we finally figured out there was no Lien and confirmed with the Securities and Exchange Commission that the trust did not exist. We have put in an Emergency Motion to Vacate and are anticipating a Writ of Possession from unauthorized companies and people. Now we even have doubts that XXXX XXXX were authorized to pursue the wrongful foreclosure. My husband has been XXXX 5 times since XXXX in which he almost XXXX. We are constantly on watch because of the aggressive picture takers ( inspectors ) that would show up in front of our property violating our First Amendement privacy as well as USC 15 Section 1692 ( d ) ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. They have been advertising our home for foreclosure sale on XXXX and XXXX Today since the case started. I kept records of the phone calls from XXXX XXXX XXXX ( pretending to be a servicer ) where they would call up to six times a day. We are on alert and check the case status register several times a day awaiting the Writ of Possession which we will also ask the court for a stay so we may explain our motion to vacate the final Judgment. We spent {$20000.00} on attorneys that basically did as little as possible to continue getting paid. The attorney we had for the NonJury Trial told us not to show up at court and never defended us. He let XXXX XXXX submit fraudulent manufactured evidence as well as fake witnesses. We are still occupying our home but we are prepared to leave at any time if they put in a Writ of Possession but even if we leave we will continue to pursue Justice to have our home put back in our name and ownership. Thank you for your time and help!
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

2017-02-14

Rochdale, NY

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