Review and analysis of over 469 Conventional Adjustable Mortgage (Arm) complaints against Specialized Loan Servicing LLC
Specialized Loan Servicing LLC consumers have reported over 469 official complaints related to Conventional adjustable mortgage (ARM). Out of the 469 consumer complaints against Specialized Loan Servicing LLC, 21% 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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Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account April 7, 2017 - I purchased a - home in -/-/2013. The original purchase price was $170000.00 and I put 15 % down. I was at 85 % LTV with a loan amount of $150000.00. That means I needed PMI. According to my amortization schedule, my loan was scheduled to reach 78 % LTV in -/-/- of this year. The PMI should have been automatically removed. I messaged SLS about this via their website and never received a response. I called a month later and they said I needed to submit a written request. I submitted my request along with - guidelines for automatic PMI removal. They sent me back a letter saying ... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account March 30, 2017 - This is a continuation of the problem with SLS, unable to point to any facts to claim that I am a month behind in my payments. I have provided bank transaction codes to prove my monthly payments were all made, including payments made to cover the difference in payments that were short due to payment amount changes. In their most recent letter to me, they claimed I did not pay the -/-/2016 payment. Online, tonight, I received a new message from SLS and amazingly, it states that they NOW claim I did not make the -/-/2016 payment. I have wasted many hours providing proof of payment and they... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account March 21, 2017 - This is an URGENT request for immediate attention. After receiving bad advice from a multitude of lawyers, we are sending this initial complaint without the benefit of being represented by a qualified attorney. It is only in the interest of time that we must at least get this on file with the CFPB now before our home is unlawfully lost. In addition to this list of Honor and Respa violations, many supporting documents are being sent including the source of the first violations under - and then SLS in the form of a time line. You will read that after being advised by SLS immediately after tak... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account March 20, 2017 - Specialized Loan Servicing " impersonates itself '' as - -intentional misrepresentation of material facts, 1692e and possible mail fraud under 18USC 1341. Please see attached. [ Exhibit on the purported " trustee 's deed upon sale, '' scan -, will be sent via fax. Unable to upload due to size of file. ] Thank you for your help in upholding and enforcing Federal consumer protection laws.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 17, 2017 - I have behind on my mortgage due to lost my job and my wife got -. It had been more than 8 month long for me and I finally come to solutions that need to short sale my house. We submitted the request and lender SLS did not accept it and they said not enough time and even though my realtor called they said they dont have any other options to me other than foreclosure. They keep misleading information by submit the package before 21 days and 15 days and then they said they need 30-60 days to review. Sorry they have to foreclosure my house. I want them to help the struggles family like me to f... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account March 15, 2017 - I made a $5000.00 payment to be applied to the principal of my loan on -/-/-. SLS processed the check on -/-/-. As of today, -/-/- the funds have not been applied to the principal as requested and my most recent statement indicates some of the funds are held in a " Suspense Acct '' while the remainder have been incorrectly applied to a mortgage payment. I have made multiple calls to SLS but they have not resolved this issue.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 14, 2017 - - is the creator of my current mortgage problem by giving my loan to SLS. The closing of my employer is also they cause of my financial problem right now. -/-/2008 I had a chapter - bankruptcy but my house and my cars was not part of the bankruptcy I also informed SLS about my situation and request assistance they do n't respond attempt to assist me refuse to send me its impossible to get a hold of them when I call the customer service I get transferred to the tird party bankruptcy department and now without working out with me they want to take my home do to the all the - was cau... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 8, 2017 - For at least 6 months I have been trying to get a loan modification with SLS. It has been a very stressful situation as I keep getting asked for the same documentation over and over again. I have a foreclosure pending for -/-/- and the fact that SLS has not postponed it is endemic of the problems I have endured with them to come to some resolution. What follows is a list of my contact with SLS ' representatives since -/-/- : 1 ) -/-/2017- I spoke with " -? '' SLS needs my son 's pay stubs. ; 2 ) -/-/2017 - I fax son 's pay stubs ; 3 ) -/-/2017 - I spoke with " - '' at SLS... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 8, 2017 - I recently went through a very bad divorce that devastated me emotionally and financially. Due to the liquidation of assets and monies paid through the process I began struggling to keep up with my mortgage payment and ended up defaulting. I am contacting your organization because my lender SLS has refused to open an inquiry into my situation and has failed to provide me with any information that would allow any sort of reconciliation process to begin. I bought my property in - and refinanced in - into a very bad adjustable rate loan with a rate that starts at 6.97 % and can only adjus... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 8, 2017 - Additional and more severe violations have occurred by my loan servicer, SLS, since my original complaint ( CFPB Case number : - ) submitted on -/-/-. At that time, I claimed that my loan servicer SLS was illegally " dual tracking '' my loan. Not only has SLS continued these actions, but they have pushed into the realm of what I believe to be criminal fraud. In additional to multiple call recordings which I can provide, I also have written proof. Only after prior complaints to the AZ AG 's Office, the CFPB, and submitting a Qualified Written Request ( QWR ) did SLS honor their writte... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 8, 2017 - My husband was working for - for 10 years until -/-/2016 they closed all their camposes I tried keep your home California and I 've got approved they asked me for mortgage statement and because SLS refuse to send me monthly statement therefore I could n't provide them with proper document they could n't further help me and that was SLS Fault. Now the mortgage servicer sent me a foreclosure Notice.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 1, 2017 - Lender / Servicer : Specialized Loan Service ( " Servicer '' or " SLS '' ) Property Address : By email : - To : Distribution Dear Sir / Madam, 1. Multiple Requests for Mortgage Assistance ( RMAs ) submitted. Specialized Loan Service ( Servicer ) ( " SLS '' ) has erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA and CFPA. I have submitted several Requests for Mortgage Assistance ( RMAs ), in -/-/-, -/-/-, -/-/-, and -/-/-. a. Errors. SLS has imposed in each of my RMAs requirements to submit documents : 1 ) not applicable, 2... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure March 1, 2017 - Specialized Loan Servicing LLC ( SLS ) failed to offer all the loan modifications my mortgage investor, - -/-/2005, makes available based on the language in their pooling and servicing agreement. My loan is not guaranteed by the federal government. SLS only offered programs that are available for federal guaranteed loans. Further, SLS failed to state the " applicable requirements '' for - -/-/2005 as required by RESPA Section 1024.41 ( d ) 1. My loan modification appeal letters and Qualified Written Request actually stated the requirements and guidelines in the pooling and servicin... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account March 1, 2017 - On - -, 2017, I contacted Specialized Loan Servicing LLC ( " SLS '' ) to pay down my mortgage by $250000.00 and have the monthly payment recalculated ( " recast '' ). The representative told me to fax SLS a letter requesting the $250000.00 pay-down and loan recast, and the loan investor would then be notified and have 30 days to respond. I faxed the letter on -/-/17, and followed up with SLS two weeks later. The representative confirmed that SLS had received my letter, but that the investor still had two weeks to respond. On -/-/17, I contacted the company again and was n... |
Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker February 8, 2017 - I believe my husband and me are the victims of predatory lending. We purchased a home in - - from - Loans. Later we found out through the news that - was practicing some unfair lending. Our loan was transferred to - - -. Our payments increased from $3000.00 to $4100.00. We received a loan modification in - and payments went to $2200.00 which was manageable. In - - - - - 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. Th... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure February 8, 2017 - 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 - 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 -/-/2017 and mailed a letter to me, on -/-/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, b... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure February 7, 2017 - 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... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account January 19, 2017 - I received a Tier 1 hamp loan modification for my home from my servicer SLS. I believe they have violated Hamp guidelines in this process. The value and money owed is more then - % they have now is not within LTV guidelines. Having made the trial payments and additional - months payments and they still do n't report them. I have requested they vacate the foreclosure judgement and have I never received any response. They have ruined my credit by not removing information on my record... |
Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker January 12, 2017 - I was working with KEEP YOUR HOME CALIFORNIA about my home mortgage and they requested a mortgage statement and they refuse to send it to me and to me and KEEP YOUR HOME CALIFORNIA therefore I just got call from KEEP YOUR HOME CALIFORNIA that they denied me because of not getting the the document they requested. what happened to my case with KEEP YOUR HOM CALIFORNIA is souly SLS fault fault for refusing to send the document needed. I need immediate action befor SLS take my home.... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account January 5, 2017 - Dear Sir, I am writing to report that I feel I am getting bamboozled by SLS. I filed a complaint with CFPB on -/-/2016 Case # -. I complained that SLS has overcharged me for the amount of $1800.00. The same day -/-/2016 after I filed a complaint SLS executive office called me and they told me that they have reversed attorney fee amount of $1300.00 and for my - mortgage payment I only owe $310.00 which I paid on the phone. They told me that the remaining balance of $460.00 will be investigated. According to the response to CFPB they counted $34.00 and $21.00 for fe... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account January 2, 2017 - Specialized Loan Servicing , LLC was my loan servicing provider. We did a refinance with new company. They would not refund my property tax escrow account and would only add the monies in escrow to the payoff to reduce the loan amount. They sent - payoff statements at $25.00 each that were all incorrect. SLS then demanded that I provide $4800.00 with our payoff amount to cover property tax bill, while there was $7700.00 in the escrow account they controlled. We paid the the property taxes before the loan was paid off and they say they paid the property taxes and have not refunded $48... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure December 17, 2016 - I am a senior citizen and due to a financial hardship have been trying to obtain a loan modification on my mortgage. I started the process with SLS servicing an agent for - - mortgage on - -. I submitted all required documentation. I have made at least ten calls and was told it was submitted to the underwriters. Today - - I was told that I need to resubmit a - page application all over again when it was already submitted on Novemmber -. It seems they are delaying the process for some reason. I am extremely frustrated. I can not get any satisfactory response on the statu... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure December 15, 2016 - I sent a Request for Information under RESPA to -, and to Specialized Loan Servicing , LLC. Neither - nor Specialized Loan Servicing LLC responded to the actual Request for Information under RESPA. I hereby file a Notice of Error with these firms, and demand that they supply an answer to the RFI. There is some person named - - at - - whose inane letter states that my request is too broad ; it is not- my request is based upon RESPA , see my letter for the citation to United States Code. - - should be banned from the financial industry for his de facto abuse of a - Vet... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account November 25, 2016 - Servicing of my mortgage was transferred from - ( - ) to SLS ( Specialized Loan Servicing ) as of -/-/2016. Before the transfer of servicing, - paid my first half county property taxes from my escrow account. On -/-/2016, SLS paid my second half county taxes, which should not have been paid until -/-/-, from my escrow account. This resulted in an insufficient escrow balance from which to pay my homeowner 's insurance bill ( due -/-/- ). After calling SLS and discussing my options, I felt it was easiest to simply add additional moneys to my - payment to bring my escrow... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account November 22, 2016 - Our mortgage was sold to SLS in - 2016 and our monthly mortgage is paid bi-weekly on an ongoing basis. In - 2016 we were notified that our mortgage is past due, even through we were making regular partial payments that exceed the minimum monthly payment. We spoke to representatives at SLS in -, -, and multiple times in - to resolve how payments were applied. Research done by a representative - and determined that our partial payments were not held in suspense and applied to our monthly payment as was our understanding. It was determined that we had a total of - monthly pay... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure November 18, 2016 - After struggling for a long time to make my increased mortgage payment, I stopped making it, and during this time tried and tried to get a loan modification. Finally, after filing complaints and my sale coming up, I got a TPP. I made the payments and got the final docs signed and now I get my first billing statement and my payment increased $200.00. It does n't say why, but I am guessing it is escrow. I am guessing that now that my account status is back to current and out of foreclosure, an analysis was completed and my escrow is short. Then there is another " past due '' amount of $100.00... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account November 8, 2016 - SLS - - - -. - - - - - -, CO - - This has been my mortgage processor for years. On - - I received a notice from - - - - - ( - - MI ) stating our loan had been purchased and my - - payment was due to them. I had never heard of them! I complied. Yet SLS took did the automatic ACH payment too. - Then, on - - I received ( 1 ) a letter from SLS stating they would deduct my mortgage payment on - too ; AND ( 2 ) a letter giving me a notice of balloon payment due to SLS. SLS has no answers for me and will not confirm in writing that th... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure November 7, 2016 - I wish to file a complaint against Specialized Loan Servicing ( SLS ) regarding a loan modification. I had a foreclosure sale date of my home on -/-/2016. I contacted a HUD representative and they stated to file for Keep Your Home California ( KYHC ) Mortgage Reinstatement Program ( MRAP ) to bring my mortgage current and file for a HAMP. I worked with one point of contact and she knew I had applied for MRAP and HAMP. SLS approved the trial payments for the HAMP and KYHC approved MRAP and funded $50000.00 to SLS on -/-/16. I had made - trial for -/-/- and -/-/- and when ... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account November 7, 2016 - I - - am a professional - woman who works - full time jobs to protect her family. In 2014 I went through a divorce, and my former husband did not pay the mortgage for several months. I took over the mortgage, obtained a modification on my own, and have been current with my mortgage payments for the past two years. The mortgage servicer has maintained a continuous 180-day late payment status, which reflects on my credit rating and drives my credit scores down significantly. This practice is highly discriminatory and I will bring this matter to the - in - Pennsylvania if it is ... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure November 6, 2016 - Thank you for helping me. I received a notice that my mortgage payment was going to increase in - - to $4500.00 from $2200.00. I called SLS that same day - - and they told me my new payment would be increasing in -. I told them that there was no way I would be able to afford that payment. I am a single working mom of - young children. I bought my home in - with the father of my children. In - I left their father due to his abuse to the kids and me. He demanded that I buy him out of the home loan so I was sold the loan that I have now, interest only. My income has co... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure November 2, 2016 - SLS is not processing my modification requests after inappropriate handling by their representative. The representative assigned to my case advised via letter that she is available from --. When I call the - # they advise me she in fact works -- my time so I will never be able to speak to her with my normal working hours from --. I have received misinformation over and over from the - # and requested multiple callbacks from supervisors with no response. My most recent issue is a denied modification for missing paperwork when they have had the paperwork on file from t... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account October 29, 2016 - - months, I called SLS Mortgage Servicing to find out why they were not reporting my mortgage payments to the credit bureaus. They stated that my husband and I were still in bankruptcy. We filed bankruptcy in -/-/- and reaffirmed with - Mortgage at the same time. - is no longer in business and our paperwork must have been lost. SLS is now our loan servicer. So we wrote a letter and included a copy of the reaffirmation paperwork to SLS. However, we received a letter from SLS dated -/-/-, that upon researching our account they found no errors. they failed to mention our rea... |
Specialized Loan Servicing LLC Mortgage settlement process and costs October 6, 2016 - My loan was transferred to new servicer effective -/-/16. I have sold my house and was scheduled to close today -/-/16 and that has had to be postponed because new servicer says they can not provide payoff info or account info because it is not in their system. They are offering no help and now I can not close and this effects my buyers and their buyers.... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account September 30, 2016 - - told me they would take no futher action as long as I did not fall more that 2 months behind on my mortgage. Six days before my monthly payment was due they informed me at my mortgage was given to SLS and they were demanding that I pay 3 payments in 6 days or they were going to put me in default. When I called SLS they told me that they could demand all 3 payments it they wanted to. A couple days later SLS called me again saying to send in one payment by certified check, which I did. A couple weeks later they sent the check back and told me they were going to forclose on my home.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 30, 2016 - I 'm a - years old man with a mortgage with loan servicing company Specialized Loan Servicing. Because of a previous illness and financial hardship I became delinquent on my mortgage. However, my financial hardship ended but I did n't have enough to reinstate the delinquency of the loan. Thus, I applied for a loan modification but did n't fill out the paperwork correctly and got denied -/-/2016. I found assistance and filled out the documents providing all sources of my income. A full loan workout package was faxed to SLS on -/-/2016 and they acknowledged that they received the document... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 29, 2016 - My loan was transferred to SLS while at the very end of a modification review. I was in foreclosure, but did not have a sale date. I would call to check the status and for months I was told that the documents were still being reviewed. I then received a letter requesting additional documents by -/-/16, I met the deadline by mailing in the documents before the date on -/-/16. I called to follow up and was told that the documents were not yet received, but not to worry and it was normal. I was nervous, so I resubmitted the documents via email on -/-/16, to the point of contact ... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 29, 2016 - In - I took a 1st & 2nd loan with -. I paid both off, Deed of Reconveyance was filed on first on -/-/-. - transposed - numbers in the recording number to me, plus the - County Auditors miss filed the Deed of Reconveyance for almost 2 years. During this time - demanded payments, after getting bad legal advice I made payments to them ~ 2 years, until they got proof my loan was paid off & had a full accounting of the loan. Litigation followed, - could not produce a full accounting of the loan or provide proof they were the note holder. They abandoned their collection... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 28, 2016 - I have been dealing with Specialized Loan Servicing for a number of years when - - - transferred my loan to SLS. I was trying to get a loan modification from B of A when they transferred my loan to them. I dealt with SLS for over 15 months, submitting the same documents over and over before finally getting a modification. Although I feel I qualified for a government loan program to help me in a time when I was dealing with a work-related injury, they offered me an adjustable rate mortgage. I was so tired of dealing with them, I took the ARM. I have not recovered form my financial issu... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account September 27, 2016 - This is my second complaint and my continue issue with Specialized Loan Servicing servicing my loans. I have - portfolio loans that were sold to SLS from -. SLS has been holding my checks and then sending me late fee notices. I have filed a complaint on this with your department previously and I received letters from SLS stating all is fine. Well, in retaliation or what I believe is retaliation of my complaint, they held - of my payments and posted late, however, my clearing bank shows the check was process and paid prior to my late date. SLS then waited several days after cashing my ... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 21, 2016 - I am writing in my complaint because I feel my bank does not want to review my file for a loan modification and is going to sell my property next Tuesday, - -. I was given the excuse that they needed 38 days to review the file which I find a little extreme because I did not even receive a legal notice that they home was going to be sold. I submitted a package on Wednesday - - which gave SLS 14 days to review my financial information. I also own other properties and have modified my other homes and neither of the servicers needed a package 38 days before a sale date. I am now on the... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 18, 2016 - Several Months ago I filed for a home loan modification. The company SLS has our mortgage, they are somewhat new to us. I have taken the liberty multiple times of sending in every document they requested of us. I spoke to our representative -, just before the - - holiday. - assured me since I have submitted the same docs over and over they had everything they need to put our case under review. I have not worked since -/-/-2016. I look in our mailbox today receiving a packet stating they could not review any of the modification options because we did not send in all of the docu... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 15, 2016 - I submitted a package for a loan modification but was told that I was not going to be reviewed for any options to avoid foreclosure. The lender stated they sent a letter explaining but I never received any letter and am unsure why they can not help me save my home.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 12, 2016 - I applied for assistance with SLS to save my home from foreclosure. I hired an attorney to help me with the process. I also applied for assistance with Keep your home California. I was approved with Keep your home California. My attorney submitted a loan modification application with my servicer SPS on -/-/2016. They have confirmed my application was received and complete and they are now stalling ( evading ) making a decision. The reason I am filing this complaint is because today my attorney says that SPS today said they did not have a complete file until -/-/2016. This is absolu... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure September 8, 2016 - SLS - - - - - - -, - CA - Short Sale package was submitted -/-/16. We called SLS and they told us they would not review for a short sale due to the sale date on - being within 30 days of receipt of the short sale package. The auction was then postponed to -. The rep I spoke to today said they would not review for a short sale due to the package being received within 38 days of the sale date. There are 37 days between - when the package was submitted to the new auction date of -. Yes - it was 30 days at first, then it was changed to 38 days. Coincide... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account August 20, 2016 - The mortgage company Specialized Loan Servicing LLC ( SLS ) took over my loan from - in - of -. SLS has never sent a statement of what is owed on the loan or proof of payments received. They claim that because there is a bankruptcy ( discharged in - ) on my credit history, they can not send any statements or information. - sent statements throughout the bankruptcy with a disclaimer stating, " this is for informational purposes only ... '' Those statements showed payments received, escrow payments, principle and interest, etc. I have been told by 3 different representatives that ... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure August 10, 2016 - SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On -/-/- was advised that the lender 's interior value came in around - which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On -/-/- lender confirmed receipt of docs and stated file was under review. On -/-/- was advised that the file was closed due to requested docs however the fil... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account August 2, 2016 - I received a conventional -/-/- ARM rate term refi -/-/- from - - - with no escrow for taxes and hazard insurance as I elected to pay them on my own and have no trouble doing so. I did however have to have PMI due to the appraised value being slightly lower than expect and the PMI payment was $ -./mo. I had been paying - principle and interest plus $ -./mo for perhaps 8 months before the servicing was sold to Specialized Loan Servicing, ( SLS ). SLS, now stated that I am " short '' on my PMI escrow account due to there not being any reserves for PMI and are they ad... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure July 28, 2016 - I have been trying to sell my home in a short sale with SLS. I have hired a listing agent as well as an attorney to facilitate this. I was informed that we have a solid offer on the property and it was sent to SLS for review and approval. Despite SLS confirming that they have all of the requested documents, they are not acting in good faith and continuing with the sale date. I have complied with absolutely every request and I can not understand why they are refusing to help me. I am in poor health and am trying to avoid the embarrassment of an auction. Please help me to sell this home in a sho... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account July 27, 2016 - - - - Lien Holder - Specialized Loan Servicing is reporting late payment on my credit report after I provide proof that I was never late. Fixed Rate - - Lien Holder - - - is also reporting late payments on my credit report after I was told they were n't going to report my mortgage payments late once I began my new trail payments plus the lender is showing my mortgage account as a foreclosure. Note, I also provided my bank transactions showing when my mortgage payments were drafted prior to the due date.... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account July 27, 2016 - A Colorado company named Specialized Loan Servicing is managing my home loan. The calculations that they used for the escrow account are wrong. Being as such they want me to send in more money every month to cover their falsely calculated impound account. Every month. I have made my monthly payments every month. Today via a phone call I was informed that they will not apply my last payment because it was not paid in full. This will inevitably cause a " Notice of Default '' action to occur. In the past ( -/-/- ), I had sent Specialized Loan Servicing documentation showing the correct inf... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure July 25, 2016 - Because I am receiving threats even though SLS is supposed to be addressing my earlier complaint, I 'm filing this new complaint. As a result, much of the information is copy and pasted from the previous complaint. The new issue, however, is that I have, since this compaint, provided the same documents I provided with my application to SLS and they continue to state I have not sent them. I have provided proof to both SLS and CFPF, but SLS has done nothing - instead, they have put my account in default and threatened to accelerate the debt and foreclose if I have not brought current in 33 days... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure July 13, 2016 - I AM APPEALING THE LOAN MODIFICATION THAT WAS OFFERED ME BY SPECIALIZED LOAN SERVICING based on my income. My business, - is mainly a cash business as I purchase goods here in the US and sell in my native country, -. My son who signed for the mortgage with me has quit claimed himself off the property as he has moved out and started his own family. It is now left up to me to pay the mortgage. Specialized Loan Servicing did not even lower the exorbitant interest rate of 8.250 and with only 151 months left on the mortgage, there must be some way that they could make this mortgage more a... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account July 5, 2016 - We have been in our home for 12 years. Never did I not want to pay our payments but could not get anyone to take our money. Sounds funny but is true .We have been working with SLS for 2 years on a loan modification that is where I fill that the scam started. To date we still are in our house with no one willing to take our payments just day to day hopping we do not lose our house. No one can give me any answers Why can I not make a payment on my house and been told to do a modification for 2 years? We been told we are to fair behind and with penalties and fees we do not qualify now sounds like... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account June 13, 2016 - -/-/2015 I paid $2500.00 in one payment and my regular monthly payment is $900.00. The difference was intended to be principle but they placed the amount in an escrow account for insurance. The insurance was cancelled as I obtained my own and the escrow was supposed to be closed in -/-/- and refund checks in the amount of $180.00. and $910.00 we due to me. The letter stating this is attached. I have never received the checks. I called the office 3 weeks ago and they said they had to research and call me back. They never called so I called them a few days ago. The customer servic... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure May 28, 2016 - I applied for - in - and submitted the - to do a short sale. The servicer SLS issued an approval good for 120 days. I did not have a buyer and switched to do a loan modification. The modification was declined. I recently listed my home in - and have found a buyer. SLS will not allow me to participate in - anymore and said that it had expired back in -. They said they only allow the homeowner 's a one time courtesy to participate in the - program. I need help with relocation assistance because I was unemployed for some time and that was the cause of my mortgage delinquency.... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure May 27, 2016 - On -, -, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On - -, I received a letter from SLS indicating that " [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today, - -, 2016, I have yet to receive any decision or other communication from SLS concerning my request for assistance. I am a - person and suffer from mental ailments ( among other thing ), so the... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account May 26, 2016 - My original issue started in - -. I sent in a dispute for funds in the amount of $910.00. I rcvd a statement for - - with a total amount due of $2300.00 which was paid via - - on - -, -. The following month I received a Mortgage Statement reflecting the $2300.00 was a partial payment and my new balance was $4300.00. I did not feel I should pay this amount as the adjusted amount was not disclosed for the month of -. Keep Your Home California ( KYHC ) started making a payment on my behalf in - - in the amount of $ - to Specialized Loan Servicing ( S... |
Specialized Loan Servicing LLC Mortgage loan modification,collection,foreclosure May 26, 2016 - SLS promised me a loan modification, but before receiving a permanent modification plan, I had to enter a trial period payment plan under the Home Affordable Modification Program, I was promised that if I made the trial payments on time, the foreclosure judgment on my house would be cancelled. After making my last trial payment, on time, I received a letter from the court stating that my house will be put on sale to the highest bidder on -/-/2016. ( letters attached ). Again SLS has lied to me and my family, just when we thought he had finally reached an end to this nightmare, it looks like... |
Specialized Loan Servicing LLC Mortgage loan servicing, payments, escrow account May 13, 2016 - My - - mortgage was purchased by SLS Loan Servicing -/-/-. I had only 6 months left on my Adjustable Rate Mortgage, set to balloon on -/-/-. On -/-/-, SLS sent me a loan modification letter offering to extend my ARM for an additional 5 years under the same terms. Rather than applying to another bank to refinance, my husband and I signed the document and returned it to them to extend our loan for 5 more years. We both have excellent credit and have always made our payments on time, so this did not seem unusual that they wanted to keep us as their customers. Well... |
Specialized Loan Servicing LLC Mortgage application, originator, mortgage broker May 13, 2016 - I AM - YR. OLD WIDOW, HAD A MORTGAGE W/- -, I TRIED FOR TWO YEARS NOW TO SETTLE THIS AND THEY WILL NOT WORK W/ME I HAVE HIRED LAWYERS, & IT HAS BEEN COSTLY - SOLD THIS MORTG. TO SLS, AND STILL CAN NOT SETTLE, THEY HAVE JUST PUT MY HOME IN FORECLOSURE, AND I CAN NOT AFFORD TO LOOSE MY HOME AT THIS POINT IN MY LIFE. PLEASE HELP ME. ... |