Specialized Loan Servicing LLC Conventional Fixed Mortgage Complaints

Review and analysis of over 622 Conventional Fixed Mortgage complaints against Specialized Loan Servicing LLC

Specialized Loan Servicing LLC consumers have reported over 622 official complaints related to Conventional fixed mortgage. Out of the 622 consumer complaints against Specialized Loan Servicing LLC, 20% were disputed by the consumer (i.e. the consumer was not happy with how Specialized Loan Servicing LLC responded to their complaint) and 100% were processed in a timely manner. 0% of consumer complaints against Specialized Loan Servicing LLC resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.

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New Conventional Fixed Mortgage Consumer Complaints


Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

March 29, 2017 - We got into a - loan, and applied with SLS for a workout. For 2 years, we provided all documents. SLS assured us, there would be no problem, but ended up taking our home, by even deceiving our attorney until after the Sheriff 's sale and the 10 day rite of recision, at which time, they contacted her to say it was too late. They ignored a COURT ORDER to provide a workout to us, and basically ignored all that we sent for TWO YEARS....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 25, 2017 - My mortgage was switched to SLS ( Specialized Loan Servicing LLC ) a year ago and have had various issues with payment amount due changing numerous times and do n't know how they are even coming up with the amount due let alone they ca n't correct the issue created by their mistakes when applying funds sent in to supposedly get account fixed so payment amount would be correct and consistent. In -/-/- I sent them a $10000.00 check that was documented in my account before I sent check as to how to apply funds and also hand written on escrow shortage payment slip to pay shortage and apply ...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 24, 2017 - Have had a mortgage loan with - for the past couple years since refinancing with them in -/-/-. The loan servicing was switched from - to SLS Loan Servicing on -/-/- without my knowledge or input. I received a letter the -/-/- from SLS informing me of his change. The letter stated that nothing about my note or mortgage would change. I then got another letter at the end of -/-/- stating that a $2700.00 lender placed hazard insurance policy would be placed and the payment would increase by $110.00 per month starting -/-/- unless I found my own policy within 45 ...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

March 22, 2017 - I received a notice from SLS regarding its intention to foreclose on my home located at - in - GA. Included in the package was an application for alternatives to foreclosure which I completed and submitted. I then received a notice indicating that the property would be sold at auction on -/-/2016. I was told that I did not qualify for a modification because I had - done during the past five years but would be considered for other programs. Meanwhile, I kept receiving requests for additional information to be part of my application. I submitted the requested documents and more reque...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 16, 2017 - To whom it Concerns, I currently have a mortgage that is held by - -. This loan was made in -, -. My original loan Servicer, - -, handled my loan and encouraged weekly and bi weekly payments. I made 3-4 payments per month, also making $100.00 extra per month since I purchased my home. My Loan Servicing company changed in - - to Specialized Loan Servicing ( SLS ). I continued to make my partial payments for 3 months. Unfortunately, they have told me that their system is unable to properly process these partial payments. As a result, they applied my payments to principa...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 15, 2017 - In bankruptcy our home mortgage was assigned to SLS. I have made - payments and am only due for -/-/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's -. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 13, 2017 - my mortgage was transferred over to SLS back in -/-/2016 I was previously with - I never received information from SLS until I notify them however every time I 'm trying to call them I can never get an answer and I would like for someone to call me. I have actually stayed on the whole for 30 minutes without reaching an operator....

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

March 12, 2017 - I was approved for a Hamp Tier modification by my mortgage company and I do n't believe it was completed correctly. The mortgage company states it is correct. I have been unable to get answers to specific questions from the mortgage company or Hamp. My final permanent modification increased my mortgage payment....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 7, 2017 - On -/-/-, I purchased a duplex property with the address -, T- -. I bought the duplex through -, who transferred the servicing of my loan to Specialized Loan Servicing , LLC ( SLS ). I have an escrow account required for the loan, which SLS services. In -/-/-, when the property taxes for both sides of the duplex were due, SLS paid the taxes for only -. I did not notice the unpaid taxes until I received a deliquency notice from the - County Tax Assessor. On -/-/-, I contacted SLS by phone to inquire about delinquent property tax notices I had received for my home l...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 6, 2017 - My loan was bought out from - 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 - did, and when my ...

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Specialized Loan Servicing LLC Mortgage settlement process and costs

March 3, 2017 - I was working with - - -. 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 -. 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....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 3, 2017 - I have been trying to complete a " Deed-In-Lieu Of Foreclosure '' since - -/-/- with Specilized Loan Servicing ( SLS ). SLS keeps prolonging the process, and the point of contact clerk ( - ID # - ) 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 - -/-/--Failed to inform borrowers what information was missing in order to process their application ; and falsely told borrowers their a...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

March 3, 2017 - I received a DELINQUENT TA- NOTICE dated -/-/- concerning parcel # -, which is in - -, 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 -/-/-, was sent to me indicating a much higher mortgage payment will begin in - -, as a result of failure of me to pay taxes on the property in - County that I do n't own. I 'm trying to get the mortgage company to recognize their mistake, but do n't seem ...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

March 2, 2017 - 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 -/-/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 - and they confirmed me that they received my modification assistance package and they even requested additional documents to review my file. i have been followin...

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Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker

February 27, 2017 - 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 -. - is telling me that page ( - ) 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 - informed them then that there was paperwork missing. I really need help in this matter - Loan # : - - Acct # : -...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

February 27, 2017 - - sold my mortgage 's servicing rights ( MSRs ) to Specialized Loan Servicing ( SLS ) on -/-/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 - -, 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, -/-/17 to the beginn...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

February 18, 2017 - My mortgage was sold in -/-/- from - 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 ...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

February 10, 2017 - I have - mortgages ( my husband and I own - houses ). No surprise, - mortgages have been transferred to other companies. - 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 -, and -, in -....

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Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker

February 4, 2017 - I received a notice from - on -/-/2017 stating that my loan was being transferred to a new servicer as of -/-/2017 and that they would no longer accept any payments after -/-/2017. - did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within - days after the -/-/2017.I called again on -...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

February 3, 2017 - Specialized Loan Services, -. Purchased/acquired my mortgage loan, and from -/-/-, and -/-/- ; I had sent payments on the amount of $470.00, However on -/-/- they will raise my mortgage payment to $480.00, they increase my payment - dollar per year. I could use these on my - dollars $8.00 on laundry machines ; and to pay $40.00 co-payment with my Endocrinologist. I have not received SLS Mortgage interest statement and or my property tax bill paid....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

February 2, 2017 - SLS Mortgage Company has issued an incorrect - the interest stated is 50 % less than what was payed....

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

January 31, 2017 - My first complaint addresses the fact that - - - sold my mortgage loan to a company by the name of ( SLS ) Specialized Loan Servicing , LLC. However, I was never informed by - - - of this transfer. ( SLS ) did in fact inform me of the transfer after the fact by sending me a mailed letter through regular mail -/-/-. On -/-/-, I called - - - concerning a letter that they had sent to me stating that I had missed four payments. The representative and myself from - - - went over my payment history and could not find these four missed payments. However,...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

January 23, 2017 - I learned that our mortgage company reported the month of - 2016 late to credit reporting agencies. We have paid all of our monthly payments timely, in - parts, each month in the full amount due. I review the transaction history online on a regular basis, and each month, including - 2016, showed $0.00 owed for the monthly payment and a reduction in our principal balance. I have since been advised that the mortgage company, Specialized Loan Servicing, alleges to have increased our monthly payment from $5000.00 to $5300.00 claiming an " escrow shortage. '' I did not receive notice...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

January 23, 2017 - On - -, -, Specialized Loan Servicing LLC ( " SLS '' ) ( investor and servicer ), owned by -, and - Bank -, - - - - - - both located at - - -, - -, - -, - - illegally foreclosed on my property in violation of state and federal statutes. In - -, - - - Bank, -. sold the loan and servicing to SLS and assigned a new loan number. - Bank -, - - remained as the Trustee. As of - -, -, - - - Bank, -. never filed the transfer of servicing with - - - - and the - number associat...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

January 20, 2017 - SLS servicer for loan - is refusing to comply with the closing in order to get the investor paid. Approval was given by sls on -/-/- 2nd lien approval came -/-/- ( received -/-/- ) Both approval letters were provided to the buyer 's lender. Buyers lender started the loan process on -/-/-. however with all holidays and the skeleton crews at the banks, SLS only gave 24 business days to complete a buyer loan. Buyer 's asked for extension, one was granted for 7 days hardly enough time to close the file. We are still waiting on the 2nd lien approval as well. - 's lender ha...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

January 18, 2017 - I refinanced my home mortgage last year ( - ). As part of the process, I was told that flood insurance is now required to be collected by the mortgage company in an escrow account. Previously, I had a flood insurance policy and paid for it yearly. The flood policy never lapsed, since I purchased my home in -, but due to this new requirement, I am paying nearly 25 % more to the escrow account for the same flood policy. In addition, I received a letter yesterday stating that they are collecting for my homeowners insurance, and I have a past due amount of $600.00 owed to the escrow accoun...

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Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker

January 6, 2017 - We had purchased our rental property in -. The loan company at the time or bank recorded the property legal description wrong. We did not find out about this until -/-/- when we tried to sell this property in -. We contacted the mortgage company which is now SLS ( specialized Loan Services ) to correct this mistake. This is where the trouble began. They had informed me that it would take them till -/-/- to correct this mistake. Over three months for someone to take a look at this. I contacted SLS numerous times, sent an email to there ceo and all I am receiving from them is the...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

January 3, 2017 - My current mortgage serviced by Specialized Loan Service - # - ) recast or reset with payment increasing approximately $2800.00 per month. I processed check payment and was $200.00 short. Specialized Loan Service did not call me and leave a message or write to me that the loan payment was short. Instead, they reported a 30 day late payment which reduced my scores over - points for my wife and I. Once my lender pulled credit, I called them and they refused to remove 30 day late. I have never been late ever on this loan...

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Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker

December 23, 2016 - I am livid of the way SLS has handle my loan, in order to prolong my case further more behind. I have summited a complete modification packet for review. However the account where I deposit my husbands contribution and the rental income I am collecting, is a savings account I open with -. This bank can only provide me with a statememnt every six months. I have fax SLS my history of transactions showing the contribution and rental being collected. But SLS is refusing to use my Transaction history because they want an actual bank statments. I have provinded all that I can and now SLS is stati...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 20, 2016 - Lender failed to discharge the mortgage after it was paid off more than a year ago....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 16, 2016 - My loan servicing was transferred from - to Specialized Loan Services ( SLS ) about a year ago. SLS refuses to send me a monthly mortgage statement either by mail or by email. They tell me it is because my mortgage was included in a bankruptcy. I filed my BK in - 2010. This BK included - mortgage. I have received monthly statements from every lender on all of my mortgage until my loan was transferred to SLS. I am never notified of any changes or problems concerning my account. This policy make it very easy to get behind on a mortgage payment if for some reason a late payment or escrow...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 15, 2016 - After buying a home in 2004, the mortgage eventually ended up being serviced by Specialized Loan Servicing , LLC. I have requested that they remove the PMI since my loan is below the 78 % LTV figures and have provided my PMI disclosure that was signed at closing stating that it will fall off after getting to that amount. However, SLS says that they wo n't remove the PMI even after 3 months of trying....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 13, 2016 - SLS purchased the servicing of my mortgage from - at the beignning of -/-/2016. They sent me notification of the change. I registered as a new customer on the website. I started getting robocalls from them saying register on the site. NO message other than to register. ON the website no messages. When I tried to call they do not answer but put you on voicemail. Then I get a letter saying they are purchasing insurance for me since I do n't have it. I try to get in touch with them and again get in a voicemail loop. They purchased insurance for $ - and when I finally in touch with someone...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

December 9, 2016 - On - -, 2016 my home was sold unlawfully at a Sheriff 's sale. The foreclosure sale was illegally authorized by Specialized Loan Servicing LLC ( " SLS '' ) before the loss mitigation process was completed. Employees of SLS have admitted verbally that there is no proof that the foreclosure should have taken place since the loss mitigation process was not completed. I was assigned a single point of contact ( SPOC ) to manage the loss mitigation process since I was unemployed and recently started my own company to earn income to support a loan modification plan. Prior to the sale of the hom...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 7, 2016 - specialized loan servicing has not reported my payment activity since - 2016 on my mortgage....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 5, 2016 - On - separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to ...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

December 2, 2016 - Specialized Loan Servicing LLC took over my loan. They have ignored documents that i faxed to them regarding property insurance and have started charging me an escrow fee for insurance. This loan was previous serviced by two other companies, neither of which charged me any fees. When i try to contact Specialized to get this dropped i get run around....

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

December 2, 2016 - Our loan was sold to SLS after being with - ( and very happy ) for almost 13 years. We had applied for a modification with - and we were told all the paperwork would be sent to SLS to finish processing. I received a letter from SLS that - items needed to be changed to the SLS document for further review. Items were emailed the same day, -. On -, I received a letter that nothing was reviewed since I did not send the items in on time. I called SLS and she stated that they had both items but the signature was in the wrong place. I had called 2 times and spoke to a person since send...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 30, 2016 - The company who services my mortgage loan has failed to remove PMI, despite the fact that I have achieved 78 % loan to assessed value ratio....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 26, 2016 - Specialized Lending Services is reporting that incorrect information to the credit bureaus...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 25, 2016 - My mortgage loan was transferred to Specialized Loan Servicing via - - effective date -/-/2016. - would not process my - 2016 payment and instructed me to contact Specialized Loan Servicing ( my new servicer ) and that a welcome packet would be forthcoming with contact information. As of -/-/2016 we had yet to receive a welcome package so we located contact information so we could get the payment credited. The rep informed us that they only had a " - '' account on their system, but said we could make a payment via their - - Speed Pay for a fee of $9.00. We ma...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 25, 2016 - I have been current on my mortgage with - - - -, a subsidiary of - - who were the primary mortgage holder and servicer for almost 10 years. On - -, 2016, I applied for mortgage assistance through the US government 's Making Homes Affordable program. On the same day, - -, 2016 I faxed all documents requested by - - to -. And received confirmation of the faxed documents. On - -, 2016, I received a letter from - - that my mortgage was transferred from - - and the status of my mortgage was that it was in review for financial assistance. Th...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

November 22, 2016 - The federal Electronic Signatures in Global and National Commerce Act ( " E-Sign '' ), 15 U.S.C.A. 7001-7031 ( West Supp. 2002 ), provides that electronic records may not be denied legal effect, validity or enforceability solely because they are created electronically. Both the federal E-Sign and ESRA authorize the use and acceptance of electronic signatures and electronic records in commercial transactions, and confirm their legal validity. The E-Sign Act establishes that electronic signatures and electronic records are valid and enforceable if they meet certain criteria. See 15 U.S.C. 7001...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 21, 2016 - This is the letter I wrote to SLS ( Specialized Loan Servicing ). I have called and spoke with various people for hours, had difficulty understanding the increase in my mortgage, was not provided with a clear explanation. They do not allow for call backs to me during work so I have to hold. They finally told me it would take them 6 weeks to get an explanation to me for why my monthly due has increased all of a sudden by $200.00 ( almost exactly ) a month. See below - - - - - - - - - Dear whomever it may concern at SLS, I have contacted - representatives in Customer Care this wee...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

November 18, 2016 - On -/-/- - ( client ) was approved for a trial modification with payments to be made -/-/-, -/-/- and -/-/- of $450.00. Client made all payments -/-/- of $450.00 ( proof attached ), -/-/- of $460.00 ( proof attached ) -/-/- of $450.00 ( proof attached ). Client then continued to make payments on -/-/- ( this payment was returned ) She then received a letter stating that she was in default of the trial plan. I ( Housing Counselor ) assisted her in filing several complaints and escalated the issue with no solution. We had to reapply for another ...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 17, 2016 - I received a shortage coupon from my mortgage company - that I could choose to pay the full amount ( due by - - ) or have it dispersed over a 12 month period. In - my mortgage was sold to Specialized Loan Servicing. On - - I sent a check to my new mortgage company for the full amount of the shortage of $990.00. I included the payment coupon and the new loan number. My check was cashed a few days later from Specialized Loan Servicing. I went online to check the status and to make my - payment. To my disbelief my loan was misapplied and not put towards my shortage. I cal...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

November 15, 2016 - I have been trying for months to do a loan modification on my mortgage with SLS and I have not been able to get in contact with them I have called several times I have been getting the run around for months I have been sending in the documents since -/-/2016 trying to remodify my home loan with no success I have been getting the run around for months I have called several times to speak the person that is over my mortgage I never receive a called back from the person. Last month I received a foreclosure letter saying that my property will be auction off on -/-/2016 I called trying to do a ...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

November 15, 2016 - Specialized Loan Servicing ( SLS ) claims it did not review my updated profit & loss statement that was submitted during the modification review process because it was signed electronically. SLS acknowledged in letters to me dated - -, - and - -, -, they received my updated profit & loss statement on - -, - and it expires on - -, -. SLS never contacted by email, phone or in writing that there was any concern with the profit & loss statement. I contacted SLS and talked to their representatives through out the loan modification process many times and was nev...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 14, 2016 - The Lender is not applying additional or excess payments to the principal balance when provided. The lender holds the additional or excess payments into a " Partial Payment '' suspense account and it does not make it into the Mortgage principal balance. For several months I have to called the Lender, and each time they claimed that the issue will be fixed and it continues to occur....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 12, 2016 - -/-/2016. My second partial payment was electronically transferred to SLS on -/-/2016, two ( 2 ) days before the grace period expires. SLS not only charged me a late fee, it has now reported my payment as late to the credit reporting agencies, negatively impacting my credit. This appears to be a violation of Regulation Z, which requires that a periodic payment be credited upon receipt. This is not happening on a routine basis....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

November 8, 2016 - SLS - - - - - -, ( Ph - - - ) ( Ph - - -, Fax - - - - ) LOAN # - LOAN # - Dear SLS, Teller ID # - I HAVE RECEIVED YOUR LETTERS OF -/-/16 AND -/-/16. Let me recap my situation and correct me if I am wrong or if your co has changed the terms of my original loan with -, contrary to what I was assured, like there would be NO CHANGES, etc. to the original Loan once sold to SLS. ( sic ). I had an original loan and it was written that upon reaching 80 % ( LTV ) of property value of $340000.00 ( $270000.00 ), PMI will be ca...

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Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker

November 2, 2016 - In the process of refinancing. My partner had a bankruptcy and its not closed yet due to some property being sold. SLS stopped reporting our payments to the Credit bureaus. We are applying for a new VA loan. When the new mortgage company contacted them they said we were late with - payments. We have our cancelled check ( attached ) that show we have made all payments and are not late. We have to have a clear report from them and they have made if very difficult to get items needed. Thank you for any help. I think my loan is conventional fixed. - -...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

October 28, 2016 - To Whom It May Concern In -/-/-, since our house was upside-down, we began to try to acquire a Loan Modification on our home through a company called - - -. After losing $2500.00, we started to work directly with -, who recommended we stop making our house payment so we could qualify for the modification. I called regularly to make sure the lender had everything they needed from us. It was a very stressful process because it seemed one department did n't know what the other one was doing. I would always respond with whatever information was requested. In -/-/-, we wer...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

October 26, 2016 - -/-/- - - - sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with - - -. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have t...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

October 14, 2016 - We had a modification plan and an agreement with the prior lender just before this loan was assigned to another lender, which engaged Specialized Loan Services to service the mortgage. SLS ignored the agreed modification amount and demanded a higher amount. We paid that amount rather than go into default. Now, SLS has increased the mortage without explanation by more than $460.00 a month. In a statement dated -/-/2016, SLS without explanation increased monthly mortgage payments to $1700.00 ( - ) from $1200.00 ( - ), an increase of $460.00 ( - ). Before SLS began servici...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

October 11, 2016 - On -/-/2016 I requested - and its -.to review my file and consider a resolution through a complaint I file on above mentioned date. I am now employed and have established myself again and I am able to retain my home. My complaint ID is -. The reason for my default has to do with the loss of my job. - - was consistently informed of the progress I have made. We are in foreclosure and looking for a sale day. I am want to retain my home for us and our - children. Please I have now send another package to the new servicing co by th e name of -. I have also done a forensi...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

October 7, 2016 - refused loan payment, misinformation trying to charge me to make a payment...

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Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure

October 7, 2016 - In -, we began to try to acquire a Loan Modification. We started to work directly with -, who recommended we stop making our house payment so we could qualify for the modification. It was a very stressful process because it was explained multiple times that another department might have gotten the information - it seemed one department did n't know what the other one was doing. I would always respond with whatever information was requested. In - -, we were put on a trial program and we paid each and every payment on time and in full. I have documentation of all the check numbers...

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

September 30, 2016 - In - - I submitted a complaint similar to the - today. SLS my servicer responded and alleged I had missed my - - payment, and that I did not make this payment until - -. If you will review attached proof of payment made you will clearly see I did not miss this payment. SLS ( my original complaint ) has been misapplying my monthly mortgage payments regularly. I do not know who can audit their files regarding my payments and unapplied payments but this is highly suggested. I have incurred late fees after late fees and now SLS has me in foreclosure....

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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account

September 29, 2016 - I have been trying to work with Specialized Loan Servicing company since -/-/- on a load modification application. I sent all the papers they have asked for and every time i called them they would ask for the same papers that were sent over and over again. I started calling the lady that is handling my application instead of calling the help line and again i faced the same issues of her asking for the same documents. Last Monday -/-/- i called - who said some of the papers were not accepted becasue they were missing little details that i was never told about all the other times ...

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