Specialized Loan Servicing LLC

2017-02-13

IL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: XXXX was originally in the names of XXXX and XXXX Original loan was then sold to a company called XXXX out of XXXX. There was several attempts to contact them about a payoff on the loan. First call, no payoff was given, but a letter was mailed out. A check was mailed out for the payoff on the loan, on XXXX/XXXX/17 and never cashed. Then several attempts were made to call about receipt of the check, and they said XXXX was not a on the loan. This statement was incorrect. Payoff letter did not state that the amount due could not be paid by personal check or that the amount must be paid via wire only. It states " FUNDS XXXX BE WIRED ''. Very misleading. They had the check for over XXXX days and it has still not been returned. It seems that every time you call the XXXX number for XXXX, you can hardly get a person. They make it very difficult to navigate or get information from their company. There are so many menus to go through and then the system just hangs up. Then when you get a person, they wo n't tell you anything. They have made paying off this loan very difficult. This company is NOT consumer friendly at all. I advise not using this company. This company is listed as : SLS, XXXX, XXXX, CO XXXX Phone : 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

2017-02-13

Council, NC

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: This is a complaint from XXXX and XXXX XXXX to Specialized Loan Servicing for requesting ( 2 ) two months to respond and failing to answer and respond directly to the actual requests for consumer information that was asked in the prior complaints submitted. You have ignored, attempted to cover up problems, give continuous repeated answers to unknown subject requests never made. You have ignored the illegal documents I have informed you of and continue to use and rely on after proof of fraud. I have been denied my lawful right to the information of the recent introduced blank endorsed copy of alleged Disclosure and Agreement Statement ( I did not sign ) you say is mine but will not say when you obtained it. This has nothing to do with closing, PSA, or any excuses you used to avoid a truthful answer. You are deliberately forcing me to take other actions instead of answering simple requests. If this is due to the inability of an untrained complaint department with lack of knowledge in these matters then something needs to be done and immediate action taken regarding these most serious XXXX in this department. The recent responses lack direction, lack comprehension of content and fails to properly respond to prior and previous complaints. You can not " close '' something that never took place!
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

2017-02-12

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: On one of those predatory subprime loans by XXXX with the first servicer being XXXX and then servicing apparently turned over to XXXX XXXX XXXX XX/XX/XXXX, with my mortgage allegedly being securitized in to XXXX XX/XX/XXXX ( purported loan closing XX/XX/XXXX ) there was a Trustee Sale XX/XX/XXXX and recorded in XXXX County. I have never been told who the true creditor is and that is a violation of TILA. The loan was not funded by the named lender XXXX XXXX. So the Trustee 's Deed has been recorded with a XXXX as being who is the purported new owner of the property since XX/XX/XXXX. I received an IRS XXXX form for that XX/XX/XXXX foreclosure sale and it lists the lender as being XXXX with the EIN matching that. Now comes XX/XX/XXXX and I receive another XXXX from a Specialized Loan Servicing for the same property/loan. However, I have not owed any entity any monies since the loan was extinguished by the XX/XX/XXXX Trustee Sale and the purported recorded property owner is XXXX since XX/XX/XXXX. Additionally, the original purported loan number was XXXX and the XX/XX/XXXX XXXX XXXX lists a different loan number and then yet a different loan number on the SLS XX/XX/XXXX XXXX. Additionally, the loan number ending on the Trustee Deed Upon Sale does NOT match the original mortgage loan number on the Note/Deed. I want the FDCPA and FCRA laws, which have be violated by Specialized Loan Servicing, to be enforced and they should be fined and the fine monies paid to me immediately.
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

2017-02-11

New Lenox, IL

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

2017-02-11

NV

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: Cancelled debt but failed to reconvey the lien.
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

2017-02-11

Los Indios, TX

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My name is XXXX XXXX, I am XXXX years old and XXXX. My wife a banded our home on or about XX/XX/XXXX. She told me that I was a good man, she did not love me. She told the new dinning room set, new bedroom set, new living room set, our new flat screen TV, and the XXXX Truck which was a gift from her and my children and left me. On XX/XX/XXXX I applied for a divorce with Legal Aide. They help me to reply to her attorney 's request : I want the house, half of her retirement from XXXX, and half of her retirement from XXXX XXXX XXXX. I did not make a mortgage payments for XX/XX/XXXX and XX/XX/XXXX, because I had to pay attorney the Law Office of XXXX XXXX XXXX due to Legal Aide not being able to help me due to no funds being available. XXXX XXXX XXXX had been my mortgage company for about 30 years, I made payment from my XXXX XXXX XXXX checking account. My nightmare began not being able to pay the XXXX XXXX School Taxes. When I went to make payment on XX/XX/XXXX for the amount of {$640.00} I was informed by the XXXX Tax Office clerk the balance had been paid in full already, I asked her who paid for them I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. You have to request the money we gave you credit for being approved because of your XXXX. On XX/XX/XXXX I went to XXXX XXXX XXXX, their representative called the XXXX, I spoke with their mortgage representative who told me I a made the payment of {$640.00} before XX/XX/XXXX they would not make the Escrow Tax account and my payments would continue to be my regular monthly payments of {$640.00} per month. XXXX XXXX XXXX made an automatic payment to the mortgage account XXXX instead to the escrow tax account, because of this error XXXX XXXX XXXX made an escrow account for 5 years. I had only 3 years to finish paying my mortgage and due to the unethical error made by the automatic payment applied to the mortgage loan payment instead of the escrow tax payment XXXX XXXX XXXX increase my contractual remaining term to 5 years and 8 months, and it increased my mortgage payment from {$640.00} to 1 payment of {$850.00} w paid in XX/XX/XXXX and my new monthly payments starting XX/XX/XXXX would be {$780.00} per month. On XX/XX/XXXX I went to pay my mortgage payment for {$780.00} and I was told by the teller my account had been sold to another company. I was to speak with a XXXX XXXX XXXX representative. I was told I would have to contact SLS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to make the payment. I got home and called the 3 times that day and a representative answered and call was disconnected each time. A week later I received a letter stating that XXXX XXXX XXXX has been transferred, effective XX/XX/XXXX to a new servicer, will be collecting my mortgage loan payments. No other term of your note and mortgage will change. I received a bill for XXXX which has to be paid in full. My monthly payment or {$1100.00} per month. Yesterday someone from the mortgage company came to take pictures. My house is for for closer. Please Help Me Save My House! Thank you, XXXX XXXX Cell # 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

2017-02-10

Bayville, 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: Yes Timely Response

2017-02-10

Avon, IN

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

2017-02-10

Redding, 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

2017-02-10

VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have XXXX mortgages ( my husband and I own XXXX houses ). No surprise, XXXX mortgages have been transferred to other companies. XXXX companies charge us an " online processing fee '' for paying on line. This makes no sense at all! They do n't have to pay someone to open a letter and process the payment, it 's less secure to mail the payment, and the payment is recorded online anyway. The companies are Specialized Loan Servicing, in XXXX, and XXXX, in 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

2017-02-10

Corona, CA

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

2017-02-10

Louisville, KY

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. Sincerely 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

2017-02-09

Las Vegas, NV

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

2017-02-09

Tacoma, WA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: This file has been under review for a short sale for 228 days, I have documentation and proof to back this up. The file was WRONGFULLY closed XX/XX/XXXX as I called on XX/XX/XXXX to confirm there was nothing else needed and I was told we were to expect approval any day. I call on XX/XX/XXXX and was told the file was closed out. I had to RESUBMIT the entire packet again. I called at least once a week to check on the file and was told to send one correct which it would do immediately because I already submitted the document. I would call the next day to confirm receipt and was told to resend something else. I spent over an hour on the phone with XXXX in the short sale department on XX/XX/XXXX to confirm the documents he needed. On XX/XX/XXXX, I confirmed a complete packet. He also confirmed our offer is HIGHER than the BPO value. There is a foreclosure date set for XXXX and it NEEDS to be postponed. This file was wrongfully closed TWICE now. We are on our SIXTH approval extension with the XXXX lien. There is no excuse for this file to be handled this way. XXXX XXXX XXXX P : XXXX F : 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

2017-02-08

Scottsdale, AZ

Incorrect information on credit report

Credit reporting:

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

2017-02-08

Palos Park, IL

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I believe my husband and me are the victims of predatory lending. We purchased a home in XXXX XXXX from XXXX Loans. Later we found out through the news that XXXX was practicing some unfair lending. Our loan was transferred to XXXX XXXX XXXX. Our payments increased from {$3000.00} to {$4100.00}. We received a loan modification in XXXX and payments went to {$2200.00} which was manageable. In XXXX XXXX XXXX XXXX XXXX transferred our mortgage to SLS - Specialized Loan Service. Our loan has increased again to {$2700.00}. We can not afford this amount. I called SLS and asked what options we have. The person I spoke to me told me foreclosure or deed in lieu. I asked about relocation expenses if we took the option of deed in lieu and was told the lender does not offer that and the federal program that offered that ended XXXX XXXX, XXXX. So now owe have a house we paid {$390000.00} in XXXX worth only {$260000.00} in XXXX and we owe {$300000.00} and if we move we will have nothing to show for the {$89000.00} we invested in the house. I was also told that there was no equity in the house. I would like to know if XXXX was sued, was there a settlement and were we included in the settlement since I seem to be getting nowhere with SLS. They keep referring me back to XXXX XXXX XXXX and XXXX keeps sending me back to SLS with the explanation that they no longer own the account. I believe someone has an answer for us somewhere. We are senior citizens with medical conditions. We are just trying to live and we can not afford a {$3000.00} a month mortgage on a home that is underwater, pay bills, and buy medicine. We need answers. Can someone please review our initial 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

2017-02-08

Council, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.
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

2017-02-08

Chicago, IL

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

2017-02-08

Cocoa, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I purchase a home for {$560000.00}, I hired a law firm to assist with a loan modificaftion, I entered into the contract and paid {$1200.00}, to start and XXXX a month for almost two years. T servicer is illegally selling my home, Specialized Loan Servicing, paid the law firm {$2800.00}, to turn the paperwork and over the account to them. and SLS set a sales date of XX/XX/2017 and mailed a letter to me, on XX/XX/2017, stating they could n't reveiw the file for a modification, becuase it was less than 30 day to the sale. I have been paying the law for for 2 years. SLS is also not the creditor, but a accounting service for the lender and ca n't force a sal of a property, if they are n't the owner of the debt and/or interset in the property. Both SLS and The law firm, comspired together to undermind my interest in the property and to steal, the property from under my ownweship. Racketeering and Fraud, Theft, etc. XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX. Specialized Loan Servicing XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXX XXXX,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-07

Henrico, VA

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

2017-02-07

Burlington, 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

2017-02-07

Fort Pierce, FL

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

2017-02-07

Redding, 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

2017-02-07

Hinkley, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: this bank is taking my home to sale this bank will not give me a Loan Modification so now this bank is taking my home to sale
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

2017-02-07

Gastonia, NC

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I was with a loan company SLS and was told that my XXXX months will be at the end of my loan. Then with out me being notify and many calls to them following my loan was transferred to other loan company. So with thatbeing said now I 'm dealing with new mortgage company with loan being behind and in process of forcloser. This not a good for any XXXX to go through. The thing is I called SLS every XXXX to XXXX days and every person said it was getting taking care of. I feel each persons know what was going on did n't shave to deal with what was pride. This is not good customer service at all.
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