I had bought a house with a mortgage from Mortgage World BankersThe mortgage had been sold to Specilized Loan ServicesI had recieved a letter from mortgage world bankers about the sale and that I would have to call Specialized loan services to setup Payments for my mortgageI had called and been told that I don’t have to pay until I receive my first billI had waited almost month and a half and had still not received a billI had recieved a call today 3/1/from a collections agency saying that I had not payed my bill and had complete disregard for my previous phone call with the mortgage companyI had stated that I did not receive my bill and was told back from the collections company that he did not care and does not want to prove nor send me a bill certified mai, and I was still liable and will be held against my credit report I am willing to pay , however I am being falsely accused of not paying my bill and my credit is being damaged
An escrow was held for insurance payment in error, even though I have sent in and uploaded proof of insurance and coverage, in addition to calling 9/27/to confirmPer confirmation received since then, I made my regular and timely payment but an analysis didn’t occur till December leading the system to believe I was delinquent or did not make full paymentsThis is an error, as I have made my payments in FULL on time and all the timePer my follow up phone call, an error was made on my statement and reported to credit agency as a payment delinquencyOn top of that, I have received a refund check for excess in payments, which also then declined when I deposited and now incurring additional fees I have since called to address the issue and was advised this will be fixed but to also submit a dispute letter for misunderstanding / error needs to be corrected, hence, I am requesting a credit reporting adjustmentA letter was sent out 2/stating that they have made no error
They need to be more professional more courtesy these are people's homes are dealing with and their mailing out information Santa painting wasn't made even though it was their fault because they didn't update the billing address you call to speak to someone they're rude unprofessional
We received notice earlier this year that our HELOC loan was matured and needed to be paid off The balance was around $15, I contacted the company to see what option we have to pay this as we do not have this kind of money and was not aware that this loan had a mature date We were told we could apply for a loan extension Sounded easy enough Well, the application for this was very complicated We filled it out, sent in what was needed then were told that page was missing Not sure how that could happen when it was all sent in the same envelope So, we had to painfully fill out the application again and spend money (that we don't easily have) to mail it out This time they had all the needed paper work and we were told we were not approved for an extension I called to see why and find out what out other options might be I could not get a clear answer as to why we were not approved for an extension and our financial adviser did not understand either, he was shock
My home mortgage loan was transferred to SLS as of November 1, Upon transfer, I have had to resolve multiple issues including an incorrect transfer of escrow balance, incorrect escrow analysis, incorrect property tax information-payment disbursement, and an inability to enroll for online services on the SLS website
Through multiple phone calls, I was able to resolve my escrow and tax account issues, however I am still unable to enroll for online services I have made phone calls in excess of thirty (30) minutes on 12/1/17, 12/4/12/5/17, 12/6/and 12/7/SLS agents have been unable to resolve the issue and unable to offer alternative solutionsWhen I request that I speak with a supervisor and additional personnel who directly deals with these issues, I am told they are unable to contact them directlyI have requested that I be contacted by a supervisor or additional personnel, however never receive any responseNo proactive solution to my issue has been provided
I MAKE EXTRA PRINCIPAL PAYMENTS ON A WEEKLY BASIS TO SLS TO GET THIS HORRIBLE COMPANY OUT OF MY LIFE AND IT TAKES THEM A WEEK TO APPLY TO THE PRINCIPAL-THEY PUT MY MONEY INTO A 'SUSPENSE' ACCOUNT AND HOLD ONTO ITPLEASE EVERYONE TURN THEM INTO THE COLORADO ATTORNEY GENERALS OFFICE UNDER CUSTOMER COMPLAINT OR THEY WILL CONTINUE TO DO THIS TO PEOPLE-IT' S SO SIMPLE TO FILL OUT THE FORM COAG.GOV-THIS COMPANY NEEDS TO SUFFER CONSEQUENCES
They are the Keystone Cops of mortgage servicing companies I am trying to reach my mortgage holder, state attorney general, and Consumer Financial Protect Bureau on this (if the Repubs haven't succeeded in dismantling them yet :-( ) I have had two ridiculous experiences with them in the last year, which required multiple phone calls from me to get straightened out, because one hand doesn't know what the other is doing Unfortunately, I probably have no choice in who services the mortgage, since the mortgage holders probably don't give a crap if we get decent service But all we can do is try -- I thought I saw something about a class action suit against them -- does anyone know about this and how to join?
Our mortgage was sold / transferred from *** *** to Specialized Loan Services (SLS) on 11/16/We got a letter on 10/26/from *** *** stating this would happenWe were, by law supposed to also receive a letter fifteen days in advance of the transfer from SLSWe never received this letter / welcome package from SLSLast week I called SLS to find out what was going onI spoke to a customer service rep named *** to ask him about our welcome packageAfter answering all his questions, he informed me that no, they had not sent me my welcome packageSo I reminded him that it is FEDERAL LAW, that requires SLS to send me the letter / welcome package no less than fifteen days prior to the transfer of my mortgage to a new service companyAt this time my wife and I are still waiting for this welcome packageI did a GOOGLE search for SLS yesterdayThe first link on the page is the companies home page listing, the second is a list of over complaints against the compan
I sent $4,to SLS to pay down my loan principle...I called SLS to get permission and notify them the payment was coming...after weeks SLS has not posted my payment and won't tell me what has happened and customer service is extremely rude to me...my payment has been cleared on my end
SLS has abusive and rude agents which work their customer service phones I have mailed several "Cease and Desist" letters to SLS to prevent them from contacting me over the phone and now they have started attaching letters to the outside of my house with bright letters which say "CONFIDENTIAL" The "Cease and Desist" letter by law, prevents contact from SLS after the letter is place, but SLS is ignoring the letter
Absolutely horrible experience! Had fallen behind in payments and entered a repayment agreement, which we have followed to a "T." Problem is that the repayment dept people don't talk to the regular billing department, so I receive letters and phone calls about my "late" payments which are not late When I call to get things straightened out, I typically get a rep with no more capability than to tell me that "yes, my system shows your payment is late." They have also autodebited the incorrect amount from my account and credit my loan payments sometimes weeks after the debits
I am a teacher and have suffered income loss causing me to fall behind on paymentsAll of my attempts to make partial payment (arrearages) have been declined as they only will accept full payment with penalties as well using their phone system that has a *** *** charge with itTheir website is worthless and I cannot contact a human
Since January 2016, Specialized Loan Servicing LLC has increased my interest rate from 4% to 5% on a 4% fixed interest rate loanThey have already acknowledged the "error", but have not changed the interest rate back to 4% and have not reimbursed me for the overcharged interestI must have called them times since early January without getting the issue resolved
These guys are terribleChase transferred my mortgage to them in April of 2016, and they never made an attempt to contact meAfter FINALY getting approved for a modification and paying the required three month "trial period" they jacked up my payment by $without noticeThey will charge you late fees, wire charges, and miscellaneous other fees to screw you overAlso, you can never reach your assigned representative, nor will they return your callsThis company sucks
I own property at *** *** *** ** *** *** ***I have been paying on this loan for the past 14+ years First to National City Mortgage and later to PNC (NCM was purchased by PNC)During this time I had no problemsIn 2015, SLS started servicing my loan They paid my taxes on time to Houston County, TexasHowever, they paid my home insurance escrow to the wrong insurance company twice before paying it to the correct insurance firm
They sent me notice that my payment had gone from $a month to $a month I questioned why and was told that I owed them for their mis-payments to the wrong insurance company I indicated that it was their fault but was told my monthly payment would now be $to recover the escrow
I hired an attorney who wrote to SLS concerning this They responded on March 17, and indicated that it was their error that caused this problem Last week, I spoke first with an insurance escrow person and was told they received both erron
My loan was sold to SLS in October of My mortgage payment has never been paid lateAs of 1/10/SLS has yet to update my loan payment to show me currentUpon transferring my loan SLS informed me 10/they would contact my previous servicer for proof of payment and have the payments made in 8/9/transferred directly to themI 've spoken to customer service numerous times and taken collections calls where I am being told it is being researched only to find out nothing is being done once I get another call a few days laterit I have faxed in proof of payment twice as well as email docsThe constant collection calls and lack of followup done by this company is unprofessional and is also causing my loan to show falsely delinquent on my credit report
This compliant is in regards to incorrect reporting of late payment to the credit agencies by SLS against meIn August/Spt time frame, my mortgage payment went up due to taxesI have automated payments via my bank (*** ** ***)I didn't review the bill via mail that I get until much laterI realized that the payment was made via my bank and deducted from my accountHowever, SLS held the payment, since it was short by ~$They instead held the payment, assessed me a late fee, and reported to credit agencyWhen I realized it, I made all the paymentThis was an error and SLS was wrong in reporting an incorrect informationTheir reasoning was that the payment was lateMy payment was NEVER lateIt was held at SLS without my knowledge
I've spoken with multiple people and even sent in a written letter to SLSSLS has refused to acknowledge or make any amends to my requestInstead, they continuously state that my payment was lateIt wasn't late
I mailed a personal check to SLS to payoff my mortgage account They electronically processed it on March 5, Instead of immediately sending back my personal check and requesting a certified check they waited days and are sending me one of their checks Why did they wait until it’s late? Now Ive been charged a late fee and interest per Diem When they waited the days then my funds were clearly collectedI am wiring the funds today and I still don’t have my money back yet before I receive another late fee I have always paid this loan months in advance I should not be reported negatively to the credit bureau either
Issue # 1: Payments
I have a mortgage through SLS When I go to make an online payment, the account balance always shows as $ When trying to pay by mail, SLS does not send me a bill until close to or after the date payment is due EX: Payment for November was due November 1st and I did not receive the bill until around the 3rd or 4th of November I have called 1-times a week to ask them when my balance will post to my account and the agents I spoke with said it will not post until it is due So, if it due on the 1st and I make an online payment on the 1st, the funds will not get processed until after the payment was due None of the agents are able to explain why my balance is not showing and why I have not received an invoice in he mail
Issue # 2: Home owners Insurance
When I set up my account online, SLS asked me about home owners insurance I put in the correct fields who my homeowners insurance was through and I was told it would be updated by November 18th,
I received a letter through express UPS from the loan company regarding a promotional offer they had if I completed the following:
Enroll in Auto-Debit Today and received a $Reward Card after successful payments
The letter I received is dated 02/22/ It stated to enroll in this service and collect #reward card, simply use of these easy options by 04/15/16:
Visit their website, return the authorization form, or call the customer service phone number
I called on 02/24/to enroll in the auto-debit to receive the reward card I contacted the company several times to verify when should I anticipate to receive the reward card The first time I called they said a date had not been set After not receiving the reward card, I sent an electronic email through their web account They replied to my email stating I did not enroll on time I replied to their email and stated the response they provided me is incorrect I replied that I enrolled two days after wh
I had bought a house with a mortgage from Mortgage World BankersThe mortgage had been sold to Specilized Loan ServicesI had recieved a letter from mortgage world bankers about the sale and that I would have to call Specialized loan services to setup Payments for my mortgageI had called and been told that I don’t have to pay until I receive my first billI had waited almost month and a half and had still not received a billI had recieved a call today 3/1/from a collections agency saying that I had not payed my bill and had complete disregard for my previous phone call with the mortgage companyI had stated that I did not receive my bill and was told back from the collections company that he did not care and does not want to prove nor send me a bill certified mai, and I was still liable and will be held against my credit report I am willing to pay , however I am being falsely accused of not paying my bill and my credit is being damaged
An escrow was held for insurance payment in error, even though I have sent in and uploaded proof of insurance and coverage, in addition to calling 9/27/to confirmPer confirmation received since then, I made my regular and timely payment but an analysis didn’t occur till December leading the system to believe I was delinquent or did not make full paymentsThis is an error, as I have made my payments in FULL on time and all the timePer my follow up phone call, an error was made on my statement and reported to credit agency as a payment delinquencyOn top of that, I have received a refund check for excess in payments, which also then declined when I deposited and now incurring additional fees I have since called to address the issue and was advised this will be fixed but to also submit a dispute letter for misunderstanding / error needs to be corrected, hence, I am requesting a credit reporting adjustmentA letter was sent out 2/stating that they have made no error
They need to be more professional more courtesy these are people's homes are dealing with and their mailing out information Santa painting wasn't made even though it was their fault because they didn't update the billing address you call to speak to someone they're rude unprofessional
We received notice earlier this year that our HELOC loan was matured and needed to be paid off The balance was around $15, I contacted the company to see what option we have to pay this as we do not have this kind of money and was not aware that this loan had a mature date We were told we could apply for a loan extension Sounded easy enough Well, the application for this was very complicated We filled it out, sent in what was needed then were told that page was missing Not sure how that could happen when it was all sent in the same envelope So, we had to painfully fill out the application again and spend money (that we don't easily have) to mail it out This time they had all the needed paper work and we were told we were not approved for an extension I called to see why and find out what out other options might be I could not get a clear answer as to why we were not approved for an extension and our financial adviser did not understand either, he was shock
My home mortgage loan was transferred to SLS as of November 1, Upon transfer, I have had to resolve multiple issues including an incorrect transfer of escrow balance, incorrect escrow analysis, incorrect property tax information-payment disbursement, and an inability to enroll for online services on the SLS website
Through multiple phone calls, I was able to resolve my escrow and tax account issues, however I am still unable to enroll for online services I have made phone calls in excess of thirty (30) minutes on 12/1/17, 12/4/12/5/17, 12/6/and 12/7/SLS agents have been unable to resolve the issue and unable to offer alternative solutionsWhen I request that I speak with a supervisor and additional personnel who directly deals with these issues, I am told they are unable to contact them directlyI have requested that I be contacted by a supervisor or additional personnel, however never receive any responseNo proactive solution to my issue has been provided
I MAKE EXTRA PRINCIPAL PAYMENTS ON A WEEKLY BASIS TO SLS TO GET THIS HORRIBLE COMPANY OUT OF MY LIFE AND IT TAKES THEM A WEEK TO APPLY TO THE PRINCIPAL-THEY PUT MY MONEY INTO A 'SUSPENSE' ACCOUNT AND HOLD ONTO ITPLEASE EVERYONE TURN THEM INTO THE COLORADO ATTORNEY GENERALS OFFICE UNDER CUSTOMER COMPLAINT OR THEY WILL CONTINUE TO DO THIS TO PEOPLE-IT' S SO SIMPLE TO FILL OUT THE FORM COAG.GOV-THIS COMPANY NEEDS TO SUFFER CONSEQUENCES
They are the Keystone Cops of mortgage servicing companies I am trying to reach my mortgage holder, state attorney general, and Consumer Financial Protect Bureau on this (if the Repubs haven't succeeded in dismantling them yet :-( ) I have had two ridiculous experiences with them in the last year, which required multiple phone calls from me to get straightened out, because one hand doesn't know what the other is doing Unfortunately, I probably have no choice in who services the mortgage, since the mortgage holders probably don't give a crap if we get decent service But all we can do is try -- I thought I saw something about a class action suit against them -- does anyone know about this and how to join?
Our mortgage was sold / transferred from *** *** to Specialized Loan Services (SLS) on 11/16/We got a letter on 10/26/from *** *** stating this would happenWe were, by law supposed to also receive a letter fifteen days in advance of the transfer from SLSWe never received this letter / welcome package from SLSLast week I called SLS to find out what was going onI spoke to a customer service rep named *** to ask him about our welcome packageAfter answering all his questions, he informed me that no, they had not sent me my welcome packageSo I reminded him that it is FEDERAL LAW, that requires SLS to send me the letter / welcome package no less than fifteen days prior to the transfer of my mortgage to a new service companyAt this time my wife and I are still waiting for this welcome packageI did a GOOGLE search for SLS yesterdayThe first link on the page is the companies home page listing, the second is a list of over complaints against the compan
I sent $4,to SLS to pay down my loan principle...I called SLS to get permission and notify them the payment was coming...after weeks SLS has not posted my payment and won't tell me what has happened and customer service is extremely rude to me...my payment has been cleared on my end
SLS has abusive and rude agents which work their customer service phones I have mailed several "Cease and Desist" letters to SLS to prevent them from contacting me over the phone and now they have started attaching letters to the outside of my house with bright letters which say "CONFIDENTIAL" The "Cease and Desist" letter by law, prevents contact from SLS after the letter is place, but SLS is ignoring the letter
Absolutely horrible experience! Had fallen behind in payments and entered a repayment agreement, which we have followed to a "T." Problem is that the repayment dept people don't talk to the regular billing department, so I receive letters and phone calls about my "late" payments which are not late When I call to get things straightened out, I typically get a rep with no more capability than to tell me that "yes, my system shows your payment is late." They have also autodebited the incorrect amount from my account and credit my loan payments sometimes weeks after the debits
I am a teacher and have suffered income loss causing me to fall behind on paymentsAll of my attempts to make partial payment (arrearages) have been declined as they only will accept full payment with penalties as well using their phone system that has a *** *** charge with itTheir website is worthless and I cannot contact a human
Since January 2016, Specialized Loan Servicing LLC has increased my interest rate from 4% to 5% on a 4% fixed interest rate loanThey have already acknowledged the "error", but have not changed the interest rate back to 4% and have not reimbursed me for the overcharged interestI must have called them times since early January without getting the issue resolved
These guys are terribleChase transferred my mortgage to them in April of 2016, and they never made an attempt to contact meAfter FINALY getting approved for a modification and paying the required three month "trial period" they jacked up my payment by $without noticeThey will charge you late fees, wire charges, and miscellaneous other fees to screw you overAlso, you can never reach your assigned representative, nor will they return your callsThis company sucks
I own property at *** *** *** ** *** *** ***I have been paying on this loan for the past 14+ years First to National City Mortgage and later to PNC (NCM was purchased by PNC)During this time I had no problemsIn 2015, SLS started servicing my loan They paid my taxes on time to Houston County, TexasHowever, they paid my home insurance escrow to the wrong insurance company twice before paying it to the correct insurance firm
They sent me notice that my payment had gone from $a month to $a month I questioned why and was told that I owed them for their mis-payments to the wrong insurance company I indicated that it was their fault but was told my monthly payment would now be $to recover the escrow
I hired an attorney who wrote to SLS concerning this They responded on March 17, and indicated that it was their error that caused this problem Last week, I spoke first with an insurance escrow person and was told they received both erron
My loan was sold to SLS in October of My mortgage payment has never been paid lateAs of 1/10/SLS has yet to update my loan payment to show me currentUpon transferring my loan SLS informed me 10/they would contact my previous servicer for proof of payment and have the payments made in 8/9/transferred directly to themI 've spoken to customer service numerous times and taken collections calls where I am being told it is being researched only to find out nothing is being done once I get another call a few days laterit I have faxed in proof of payment twice as well as email docsThe constant collection calls and lack of followup done by this company is unprofessional and is also causing my loan to show falsely delinquent on my credit report
This compliant is in regards to incorrect reporting of late payment to the credit agencies by SLS against meIn August/Spt time frame, my mortgage payment went up due to taxesI have automated payments via my bank (*** ** ***)I didn't review the bill via mail that I get until much laterI realized that the payment was made via my bank and deducted from my accountHowever, SLS held the payment, since it was short by ~$They instead held the payment, assessed me a late fee, and reported to credit agencyWhen I realized it, I made all the paymentThis was an error and SLS was wrong in reporting an incorrect informationTheir reasoning was that the payment was lateMy payment was NEVER lateIt was held at SLS without my knowledge
I've spoken with multiple people and even sent in a written letter to SLSSLS has refused to acknowledge or make any amends to my requestInstead, they continuously state that my payment was lateIt wasn't late
I mailed a personal check to SLS to payoff my mortgage account They electronically processed it on March 5, Instead of immediately sending back my personal check and requesting a certified check they waited days and are sending me one of their checks Why did they wait until it’s late? Now Ive been charged a late fee and interest per Diem When they waited the days then my funds were clearly collectedI am wiring the funds today and I still don’t have my money back yet before I receive another late fee I have always paid this loan months in advance I should not be reported negatively to the credit bureau either
Issue # 1: Payments
I have a mortgage through SLS When I go to make an online payment, the account balance always shows as $ When trying to pay by mail, SLS does not send me a bill until close to or after the date payment is due EX: Payment for November was due November 1st and I did not receive the bill until around the 3rd or 4th of November I have called 1-times a week to ask them when my balance will post to my account and the agents I spoke with said it will not post until it is due So, if it due on the 1st and I make an online payment on the 1st, the funds will not get processed until after the payment was due None of the agents are able to explain why my balance is not showing and why I have not received an invoice in he mail
Issue # 2: Home owners Insurance
When I set up my account online, SLS asked me about home owners insurance I put in the correct fields who my homeowners insurance was through and I was told it would be updated by November 18th,
I received a letter through express UPS from the loan company regarding a promotional offer they had if I completed the following:
Enroll in Auto-Debit Today and received a $Reward Card after successful payments
The letter I received is dated 02/22/ It stated to enroll in this service and collect #reward card, simply use of these easy options by 04/15/16:
Visit their website, return the authorization form, or call the customer service phone number
I called on 02/24/to enroll in the auto-debit to receive the reward card I contacted the company several times to verify when should I anticipate to receive the reward card The first time I called they said a date had not been set After not receiving the reward card, I sent an electronic email through their web account They replied to my email stating I did not enroll on time I replied to their email and stated the response they provided me is incorrect I replied that I enrolled two days after wh