SLS, LLC filed a late payment report to the credit bureaus for a payment that I attempted to make in good faith but it did not process due to a glitch that I was unaware of until my payment was days late Initially, SLS agreed to provide a correction but did not because they did not see a corresponding lto their website, which I disagree withAs a result of this issue, my wife, who is a distinguished military veteran was denied a VA loanThis singular issue, and SLS's refusal to correct has cost my family thousands of dollars I have been paying mortgages for over years and have NEVER had a late pay I am asking that SLS Do the right thing and make this correction quickly or legal action will be forthcoming
I am filing this complaint against SLS due to handling of practicesI have tried and tried to work with SLS regarding my grandmothers propertyWithin the last months, My family have paid over $20,toward this property to get it up to dateEvery months, they threaten foreclosure and the balance due is the same balance given over years agoHow is this when this much or more has been paidMy question/complaint is where is the money going? Why has it not been applied to the loan? Why are they taking the payments and then harass us for more?We can't get anything resolved if they want talk to someone or direct us to better handle thisI have tried to purchase the property, they were very rude to my financial lendersI have never seen a company, not willing to give information so they can be paid off and this taken off the booksI need resolution as soon as possible
SLS took over servicing my loan from a great local bank where I had great relationships It has been less then year and they have proven to be the worst servicing company I have ever dealt with Since day they have lacked any effective communication about what they needed for continuity of service One seriously bad practice for any loan transfer is that the initial servicing bank does not transfer ALL of the necessary supporting documentation to the new servicing company By the time I was notified that SLS needed my insurance paperwork for 2018, they had already purchased insurance and tacked the cost onto my loan It took me two months to get that straight but it finally was resolved, only to be followed by new charges to my account for insurance dating back to the last two moths of My insurance company sent them the documents, I sent them the documents by email and snail mail and still the charges remained I did not pay the additional charges but kept paying my ba
This company has tried once before to foreclose on our home while we were in bankruptcy Everything was resolved with the bankruptcy attorneys As soon as we were discharged they tried it again They are now doing this We are not behind in payments They have changed our payment several times and have not kept up with it themselves I asked for a very detailed list of what dates we have not paid but they will only send a payment history, not specific dates of which they are talking about Firstthey said the bankruptcy payments were not sent Then said no payments for the entire year of then , clearly shows it was This company is very not totally a legitimate company They have not responded correctly to the notice of error letter I maid them They want me to do the work I guess so I did We are not delinquent but no one is on the same page at Specializing Loan Servicing LLCWe have not sent our payment to the same address yet They change it all the time
I am trying to sell my home located in *** *** and Specialized Loan Servicing needs to issue a Deed of Reconveyance to remove their zero balance loan from my title report This loan was forgiven in and I have a 1099C form from this company which is a Cancellation of Debt, but they never removed the loan from the title report I have called and written to them since March 21, 2017; *** *** has called and faxed in requests for something in writing that shows there is a zero balance on this loan; I have even had an attorney write a letter to SLS requesting something in writing from them, but they have not responded to any of my requests I cannot sell this home until I receive something in writing from SLS and the current buyer just terminated the sales contract due to lack of clear title of this home
On Feb15, we did a re-finance out of a loan serviced by Specialized Loan Servicing We obtained the payoff figures from SLS prior to that date and closed, paying their figures in full and on time On Febwe received a notice from them that we needed to submit an additional $within two days (Feb28), or they would return our closing check, cancel the re-fi, and keep the loan open and active and accruing additional charges To temporarily resolve the problem, we paid the additional sum I feel this additional sum is inappropriate and should be refunded to me
I wanted to pay off my loan and keep getting the run aroundI was told one amount of my payoff but when I go on,one to pay the website will not accept the amountI MUST pay $more than my quoted pay off, even though I was told over the phone there would be no additional charges
I have sent in 8,dollars and the final payment of received by October We spoke to supervisor Lortna I'd ***Since then we have not been able reach her She told us that she requested a payoff and as long as they received the 266.16.by October and she would close out account Allow days we have and called back and a agent elecia said she spoke to supervisor and she is working on closing this account out Again we keep getting the run around and other agents are rude and just say the account not closedWe wrote down everything lortna told us and she said she would have it taken careWe are frustrated and want this closed and tired of not getting phone calls back or updatesThey received all the money and the more they hold it.up they are going to try charge us pinterest when shouldnt have to pay interest when all money received the 1stDont try.charge us for month of October when its paid in full
Worst company ever! My mortgage was sold to SLS months agoFrom the moment they took over my loan they doubled the amount they are charging for my PMII received an escrow review stating I was over $2,short in my escrow account and that I could either pay it or my mortgage payment would increase from $to $None of their calculations add upThey refuse to provide a statementThey blamed the previous mortgage company for not making PMI payments to the FHA and claim that it's my responsibility to pay the double amount to catch up what they didn't pay**I have never missed a payment.** I shouldn't have to pay double because they "misplaced" my moneyThis is week from the time I originally contacted them and all they are giving me is the runaround so I contacted the FHA servicing department for a statement and they are opening an investigation on my account and this companyI have also hired an attorney
I had a 2nd mortgage with *** *** in and made payments of $monthly until late when they went out of BuisnessI had a loan for $100,
Of which I used $45,When they went out of business in the recession of ,they never contacted me .In .They never explained to me who they were .I went to do a refill on my house and found a lion for $185000,from them.when I looked into the Business I found they bought this loan from *** ** *** who bought ***
I spoke to them and asked for a settlement so I can remove the liesThey told me they wanted $85000,in interest and and $100,in payments .This is on a $45,
which they bought from *** ** ***I had my Bank call them to work out a settlement and they refuse to do a settlement I have looked on line and there are a lot of people who have got in trouble behind the way they handle loans I I am not sure what to do athe this point Please let me know if this Company i
I bought my house in April of Within the first month, my mortgage was sold It was sold twice after that The last purchaser was SLS Loan I have been trying for over years to have the PMI removed from my mortgage payment I have called so many times that I can't even count And I have written at least letters Every time I call, I get someone on the phone who is actually more incompetent than the last one No one cares to help All of my letters are replied to by form letters restating what I need to do to qualify to have PMI removed I already KNOW what I need to do I have done it, and I qualify to have PMI removed I have supplied reams of documentation from real estate professionals regarding the increased value of my house I have supplied a market analysis done by a local realtor SLS' last ridiculous requirement was a new appraisal The old appraisal was a year and a half old Nevertheless I agreed to incur the cost of a new appraisal even though it
We refinanced our mortgage June 30, but our July payment to our current mortgage company (SLS) had already been sent from our bank We have been trying for almost months to get our July payment refunded When we call to inquire about it they say it's in process What would they do if they received our mortgage payment months late? SLS is the worst company on the face of the earth
My loan was quickly sold to SLS after Ditech was brought under a class action law suit I made payments in to Ditech and mu property taxes are being paid personally and not financed in the mortgage amountSLS representative said that the monthly mortgage amount was what they received from Ditech which was a factor of buying a mortgage a not caring about due diligence packagesI was also told that my payment was not received but was given a confirmation number over the phone I was told that it was not processed, but when confronted on their business practices I was told mistakes happenI questioned the practice and was hung up on by the representative I called back to make the same payment with another representative who took my paymentI was told that the property insurance would not be removed unless I sent it in writing, which I did In the mean time SLS build account balances against their accountsIntegrity is something that SLS is lacking and I believe they are being used by outside organizations to hurt individuals in the back end of the housing loan scandalI recommend that you track your payments to the organization and do not send a check This is the same practice the loan scandal market used to falsely make fake charges and move the mortgages around to create a long paper trail to gain time to grab money from consumersI will get may account in order and continue my paper trail trackingI was nice and professional, but that dose not workThis activity can cost the consumers trillions
Out mortgage was sold to SLS in mid October After making payments one of the payments is currently being held as unapplied funds and the other was sent back to me When I called I was told that the account was coded wrong and that one of the supervisors named Jose would fix it I was told it would take just a few days It has now been almost weeks I have called every few days to sit on hold for an hour plus just to be told it has not been fixed I was told that I would be contacted when it was fixed but I have not received a call
The reason why this is a review and not a complaint is that I have found my own resolution to the problem I refinanced my mortgage and FIRED SLS as my mortgage holderSLS uses a silo type of architecture for their customer account care Bottom line, there appears to be no one at SLS with an overall view of each account, who has the authority to make account level changes and is also willing to take responsibility for implementation of those changes Each silo is only concerned with their item Imagine client care representatives wearing blindersthat is SLSI'm sure SLS will say that all of the "rules" were followed in my case My counter is that your rules make no logical sense in my example AND your own representatives were not aware of your rulesI have names and dates to document most of the details of my experience with SLS but I will summarize here Over a period of about 3-weeks this last summer (2016) I had to phone SLS representatives to discuss a problem with our account The pattern that played out multiple times over this period was that the customer representative would agree that something was wrong with my account and it should be remedied I would then make a follcall to check on the progress of the account changes First, I NEVER got the same representative twice when I phoned Most would only give a first name, nothing else Second, after multiple (at least 3) attempts to repair an account problem the end result was that the change WAS NOT IMPLEMENTED and in some cases the problem only got worseIn my experience, SLS stands for Substandard Loan Servicing AVOID SLS
Mortgage Company called Specialized Loan Servicing for my previous loan for address *** *** *** *** *** *** closed & transferred to *** *** ,was closed end of December I called numerous times and Specialized Loan Servicing said everything ok, but yet continues to call ! Most recent call 6-12-& message saying call back again!
This Loan company purchase my loan from *** *** bank, they did not review all the documents received properly and sent my Home Insurance company a letter stating that I was in foreclosure and did not own my home any longer, Because of this my home owners policy was canceled on Sept 21, But was paid thru October 27, and would not be renewed
Sept 25, I called SLS to discuss this at first since I was never served any notice and was not in default, and in active bankruptcy Brandon (PHX AZ) said I Was Days past due and owed $which is the trustee portion of my bankruptcy, they gave me the name of a lawyer that was handling this supposed foreclosure and phone number
I call the attorney on 9/27/and Monica advised me the represented *** *** not SLS and the reference foreclosure was my case from and it was closed with no further action
I checked my SLS account online on 10/at 11:42am and it now said status - Bankruptcy, FCL on HOLD
II call
I NEVER RECEIVE A MORTGAGE STATEMENT
They are reporting that I owe them over million on the credit report which is incorrect
They are also reporting me late, which I know that I am not
SLS took over servicing my mortgage in February of this year They made no attempt to notify my homeowners insurance company of the change They are impounding funds to pay for both property tax and homeowners insurance, but when the insurance came due they did not pay and instead sent me a threatening letter stating that if I did not renew my insurance I would be charged penalties and that SLS would purchase more expensive insurance on my behalf and charge me for it After several calls and many hours on the phone with SLS they finally agreed to initiate payment to my homeowners insurance on 5/(payment was due 5/8) I was told this payment would be made via check and sent overnight As of today, this payment has not been received and I had to pay my homeowners insurance premium directly to avoid cancellation on 5/(even though SLS already has my cash on hand through impounds) Since 5/I have called and emailed SLS several times to ascertain the status of this payment, an
SLS, LLC filed a late payment report to the credit bureaus for a payment that I attempted to make in good faith but it did not process due to a glitch that I was unaware of until my payment was days late Initially, SLS agreed to provide a correction but did not because they did not see a corresponding lto their website, which I disagree withAs a result of this issue, my wife, who is a distinguished military veteran was denied a VA loanThis singular issue, and SLS's refusal to correct has cost my family thousands of dollars I have been paying mortgages for over years and have NEVER had a late pay I am asking that SLS Do the right thing and make this correction quickly or legal action will be forthcoming
I am filing this complaint against SLS due to handling of practicesI have tried and tried to work with SLS regarding my grandmothers propertyWithin the last months, My family have paid over $20,toward this property to get it up to dateEvery months, they threaten foreclosure and the balance due is the same balance given over years agoHow is this when this much or more has been paidMy question/complaint is where is the money going? Why has it not been applied to the loan? Why are they taking the payments and then harass us for more?We can't get anything resolved if they want talk to someone or direct us to better handle thisI have tried to purchase the property, they were very rude to my financial lendersI have never seen a company, not willing to give information so they can be paid off and this taken off the booksI need resolution as soon as possible
SLS took over servicing my loan from a great local bank where I had great relationships It has been less then year and they have proven to be the worst servicing company I have ever dealt with Since day they have lacked any effective communication about what they needed for continuity of service One seriously bad practice for any loan transfer is that the initial servicing bank does not transfer ALL of the necessary supporting documentation to the new servicing company By the time I was notified that SLS needed my insurance paperwork for 2018, they had already purchased insurance and tacked the cost onto my loan It took me two months to get that straight but it finally was resolved, only to be followed by new charges to my account for insurance dating back to the last two moths of My insurance company sent them the documents, I sent them the documents by email and snail mail and still the charges remained I did not pay the additional charges but kept paying my ba
This company has tried once before to foreclose on our home while we were in bankruptcy Everything was resolved with the bankruptcy attorneys As soon as we were discharged they tried it again They are now doing this We are not behind in payments They have changed our payment several times and have not kept up with it themselves I asked for a very detailed list of what dates we have not paid but they will only send a payment history, not specific dates of which they are talking about Firstthey said the bankruptcy payments were not sent Then said no payments for the entire year of then , clearly shows it was This company is very not totally a legitimate company They have not responded correctly to the notice of error letter I maid them They want me to do the work I guess so I did We are not delinquent but no one is on the same page at Specializing Loan Servicing LLCWe have not sent our payment to the same address yet They change it all the time
I am trying to sell my home located in *** *** and Specialized Loan Servicing needs to issue a Deed of Reconveyance to remove their zero balance loan from my title report This loan was forgiven in and I have a 1099C form from this company which is a Cancellation of Debt, but they never removed the loan from the title report I have called and written to them since March 21, 2017; *** *** has called and faxed in requests for something in writing that shows there is a zero balance on this loan; I have even had an attorney write a letter to SLS requesting something in writing from them, but they have not responded to any of my requests I cannot sell this home until I receive something in writing from SLS and the current buyer just terminated the sales contract due to lack of clear title of this home
On Feb15, we did a re-finance out of a loan serviced by Specialized Loan Servicing We obtained the payoff figures from SLS prior to that date and closed, paying their figures in full and on time On Febwe received a notice from them that we needed to submit an additional $within two days (Feb28), or they would return our closing check, cancel the re-fi, and keep the loan open and active and accruing additional charges To temporarily resolve the problem, we paid the additional sum I feel this additional sum is inappropriate and should be refunded to me
I wanted to pay off my loan and keep getting the run aroundI was told one amount of my payoff but when I go on,one to pay the website will not accept the amountI MUST pay $more than my quoted pay off, even though I was told over the phone there would be no additional charges
I have sent in 8,dollars and the final payment of received by October We spoke to supervisor Lortna I'd ***Since then we have not been able reach her She told us that she requested a payoff and as long as they received the 266.16.by October and she would close out account Allow days we have and called back and a agent elecia said she spoke to supervisor and she is working on closing this account out Again we keep getting the run around and other agents are rude and just say the account not closedWe wrote down everything lortna told us and she said she would have it taken careWe are frustrated and want this closed and tired of not getting phone calls back or updatesThey received all the money and the more they hold it.up they are going to try charge us pinterest when shouldnt have to pay interest when all money received the 1stDont try.charge us for month of October when its paid in full
Worst company ever! My mortgage was sold to SLS months agoFrom the moment they took over my loan they doubled the amount they are charging for my PMII received an escrow review stating I was over $2,short in my escrow account and that I could either pay it or my mortgage payment would increase from $to $None of their calculations add upThey refuse to provide a statementThey blamed the previous mortgage company for not making PMI payments to the FHA and claim that it's my responsibility to pay the double amount to catch up what they didn't pay**I have never missed a payment.** I shouldn't have to pay double because they "misplaced" my moneyThis is week from the time I originally contacted them and all they are giving me is the runaround so I contacted the FHA servicing department for a statement and they are opening an investigation on my account and this companyI have also hired an attorney
I had a 2nd mortgage with *** *** in and made payments of $monthly until late when they went out of BuisnessI had a loan for $100,
Of which I used $45,When they went out of business in the recession of ,they never contacted me .In .They never explained to me who they were .I went to do a refill on my house and found a lion for $185000,from them.when I looked into the Business I found they bought this loan from *** ** *** who bought ***
I spoke to them and asked for a settlement so I can remove the liesThey told me they wanted $85000,in interest and and $100,in payments .This is on a $45,
which they bought from *** ** ***I had my Bank call them to work out a settlement and they refuse to do a settlement I have looked on line and there are a lot of people who have got in trouble behind the way they handle loans I I am not sure what to do athe this point Please let me know if this Company i
I bought my house in April of Within the first month, my mortgage was sold It was sold twice after that The last purchaser was SLS Loan I have been trying for over years to have the PMI removed from my mortgage payment I have called so many times that I can't even count And I have written at least letters Every time I call, I get someone on the phone who is actually more incompetent than the last one No one cares to help All of my letters are replied to by form letters restating what I need to do to qualify to have PMI removed I already KNOW what I need to do I have done it, and I qualify to have PMI removed I have supplied reams of documentation from real estate professionals regarding the increased value of my house I have supplied a market analysis done by a local realtor SLS' last ridiculous requirement was a new appraisal The old appraisal was a year and a half old Nevertheless I agreed to incur the cost of a new appraisal even though it
We refinanced our mortgage June 30, but our July payment to our current mortgage company (SLS) had already been sent from our bank We have been trying for almost months to get our July payment refunded When we call to inquire about it they say it's in process What would they do if they received our mortgage payment months late? SLS is the worst company on the face of the earth
My loan was quickly sold to SLS after Ditech was brought under a class action law suit I made payments in to Ditech and mu property taxes are being paid personally and not financed in the mortgage amountSLS representative said that the monthly mortgage amount was what they received from Ditech which was a factor of buying a mortgage a not caring about due diligence packagesI was also told that my payment was not received but was given a confirmation number over the phone I was told that it was not processed, but when confronted on their business practices I was told mistakes happenI questioned the practice and was hung up on by the representative I called back to make the same payment with another representative who took my paymentI was told that the property insurance would not be removed unless I sent it in writing, which I did In the mean time SLS build account balances against their accountsIntegrity is something that SLS is lacking and I believe they are being used by outside organizations to hurt individuals in the back end of the housing loan scandalI recommend that you track your payments to the organization and do not send a check This is the same practice the loan scandal market used to falsely make fake charges and move the mortgages around to create a long paper trail to gain time to grab money from consumersI will get may account in order and continue my paper trail trackingI was nice and professional, but that dose not workThis activity can cost the consumers trillions
Out mortgage was sold to SLS in mid October After making payments one of the payments is currently being held as unapplied funds and the other was sent back to me When I called I was told that the account was coded wrong and that one of the supervisors named Jose would fix it I was told it would take just a few days It has now been almost weeks I have called every few days to sit on hold for an hour plus just to be told it has not been fixed I was told that I would be contacted when it was fixed but I have not received a call
The reason why this is a review and not a complaint is that I have found my own resolution to the problem I refinanced my mortgage and FIRED SLS as my mortgage holderSLS uses a silo type of architecture for their customer account care Bottom line, there appears to be no one at SLS with an overall view of each account, who has the authority to make account level changes and is also willing to take responsibility for implementation of those changes Each silo is only concerned with their item Imagine client care representatives wearing blindersthat is SLSI'm sure SLS will say that all of the "rules" were followed in my case My counter is that your rules make no logical sense in my example AND your own representatives were not aware of your rulesI have names and dates to document most of the details of my experience with SLS but I will summarize here Over a period of about 3-weeks this last summer (2016) I had to phone SLS representatives to discuss a problem with our account The pattern that played out multiple times over this period was that the customer representative would agree that something was wrong with my account and it should be remedied I would then make a follcall to check on the progress of the account changes First, I NEVER got the same representative twice when I phoned Most would only give a first name, nothing else Second, after multiple (at least 3) attempts to repair an account problem the end result was that the change WAS NOT IMPLEMENTED and in some cases the problem only got worseIn my experience, SLS stands for Substandard Loan Servicing AVOID SLS
Mortgage Company called Specialized Loan Servicing for my previous loan for address *** *** *** *** *** *** closed & transferred to *** *** ,was closed end of December I called numerous times and Specialized Loan Servicing said everything ok, but yet continues to call ! Most recent call 6-12-& message saying call back again!
This Loan company purchase my loan from *** *** bank, they did not review all the documents received properly and sent my Home Insurance company a letter stating that I was in foreclosure and did not own my home any longer, Because of this my home owners policy was canceled on Sept 21, But was paid thru October 27, and would not be renewed
Sept 25, I called SLS to discuss this at first since I was never served any notice and was not in default, and in active bankruptcy Brandon (PHX AZ) said I Was Days past due and owed $which is the trustee portion of my bankruptcy, they gave me the name of a lawyer that was handling this supposed foreclosure and phone number
I call the attorney on 9/27/and Monica advised me the represented *** *** not SLS and the reference foreclosure was my case from and it was closed with no further action
I checked my SLS account online on 10/at 11:42am and it now said status - Bankruptcy, FCL on HOLD
II call
this is the worse loan companyIf you are thinking of obtaining a loan from them DONT!
They will not coroperate with you!
I NEVER RECEIVE A MORTGAGE STATEMENT
They are reporting that I owe them over million on the credit report which is incorrect
They are also reporting me late, which I know that I am not
SLS took over servicing my mortgage in February of this year They made no attempt to notify my homeowners insurance company of the change They are impounding funds to pay for both property tax and homeowners insurance, but when the insurance came due they did not pay and instead sent me a threatening letter stating that if I did not renew my insurance I would be charged penalties and that SLS would purchase more expensive insurance on my behalf and charge me for it After several calls and many hours on the phone with SLS they finally agreed to initiate payment to my homeowners insurance on 5/(payment was due 5/8) I was told this payment would be made via check and sent overnight As of today, this payment has not been received and I had to pay my homeowners insurance premium directly to avoid cancellation on 5/(even though SLS already has my cash on hand through impounds) Since 5/I have called and emailed SLS several times to ascertain the status of this payment, an