September 10th my home was hit by Hurricane IrmaI'm still repairing my home and fighting with the insurance company for moniesThat being said SLS Specialized Loan Servicing in Dec is charging me a "hurricane survivor" $for a BPOThat was lowered from $I understand this is done to make sure the property is still standing which it is and all payments have been made up to dateBy law they gave a month forbearanceI've since paid the forbearance in full and paid all payments on timeI have other mortgages that didn't charge any BPO fees and some company's charged then waived with 1-phone callSLS has been terrible I've called ever month because I can't pay my mortgage because these fees are automatic when paying on-line paymentThis has to be stoppedSLS are crooks and thieves stealing monies from hurricane victimsMy home will survive all my payments are currentSLS can not take advantage of people in tough times! These fees are insane and should be stopp
TerribleIs All I Can SayVery UnprofessionalI've Never Seen A Company So Unorganized As Specialized Loan ServicesMy Question Is How Are They Still In Business?
SLS Lost Draft department will not investigate thisOn or around October 17, a check was issued to Dale *** and Linda *** and Compassion Roofing & RemodelingJP Morgan Chase at *** *** *** *** *** *** allowed him to cash this check without my knowledge or signature as well as Compassion's roofing did not sign the check 40016402, dated October 17, for $ 3,On or around February 12, JP Morgan Chase allowed check $ 3,011.58, dated 02/12/to be cashedThis check was made out to Dale *** and Linda *** and Compassion Roofing & RemodelingAll of these checks were not negotiated properly, but all three were either deposited or cashed by branches of JP Morgan ChaseI have spoken to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about itThe second two checks with the contractor's name was for roof repairs (both checks were the same amount), but no work has been done on the propertyI believe Dale *** and the contractor may have split the money or Dale *** may have kept the money for his gainPlease understand I know this money is not mine but should have gone for the roof repairsMore checks are to be issued for the repairI have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they cannot do anything about it and will reissue more checks without inspection of property repairsI have spoken to JP Morgan Chase branches, USAA, Wells Fargo and Bank of America (as checks were drawn off them) with no resolutionIt is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourseI request that both the repair checks be disputed and reissued and required to have my signature, so I will know work is being done on my home at *** *** *** *** *** *** ** ***I no longer live there, but the home is still in my name as well as Dale ***The check for the musical instruments is requested to be disputed and reissued with my signature as a requirement50% of that check is legally mine, but JP Morgan Chase made it possible for Dale *** to cash/deposit checks improperlyMy name is on the homeowner’s insurances at USAAIt seems like there is fraud going on with all these banks, Dale ***, Compassion Roofing and Remodeling
Negative review say they never go paperwork then send you paperwork to work things out after they day policy to string you along till it's to late to save your homeThey never plan to help or do anything but forclose on your home.!!!! GET A LAWYER ASAP!!!!!!??? Don't deal with them your self!
Poorly run business, bad customer service and not professional, I got transferred more than times without being able to get their system issue fix, I even spoke with a supervisor and many others Customer care specialist Billy, Mark and Fatima the rest I cant remember but they are all uselessI was on the phone for more than hoursI deal with customer service departments in my own business and I can tell that "Specialized Loan Servicing LLC" is a very disappointing experienceI refinanced my house back in October and I included my previous Escrow for Insurance and Taxes my Loan then was sold to this company "SLS", my monthly payment includes Escrow for Insurance and Taxes even my monthly statement shows both however in January I got a letter from my insurance company for the insurance billI contacted SLS and I was told that I had no Escrow for Insurance only for taxes, then I had to explain that I do have Escrow for both Insurance and Taxes, then they found a system error and even apologized ( Agent Fatima ID *** ) I understand that things like these could happen we all are humans but as humans we can rectify errorsI called in March and March I was on the line for more than hour each day being transferred between departments multiple times without anyone taking control of the main goal ( Send the insurance payment out of my escrow account to the insurance company), no warm transfers between teamsMy local Walmart cashier runs the cash flow better than these peopleSTAY AWAY IF YOU CANPlease sell my Loan to another institutionPlease !!! Please !!!
The short version of this review is that, while I share some of the fault for getting into this situation, I firmly believe that, had I been involved with a more customer focused and reputable financial institution, none of this would have gone this farThe recent situation is that, after my last escrow analysis, I agreed to be changed to paperless billingThat analysis was in MarchI received my first paperless notification in June and no paper bills since thenAnd the notification was just that, not a bill, but a notification that I could go online and get my billThis was the first communication regarding a bill I received from SLS that had my new, higher escrow payment on itAs a result, I had been under paying my bill by 2.7% or soI continued to receive notifications that my payments were being applied through MayThis June when I received my first electronic bill notification, I logged into their website and it showed that I was delinquent by a full payment and my payment for June had not been madeI called and was told that because I was not paying the contractual amount, my payments had been applied directly to the premiums and now fees had been applied because I hadn't payed the interest or escrow on the account--Those are the disclosed factsAs I said up top, part of this is my fault for not checking in on them every monthHowever, my opinion based on those disclosed facts is that Specialized Loan Servicing appears to be set up to do the bare minimum to comply with ever weakening consumer protection laws in order to generate feesThe quality of their communication is substandard compared to all other financial institutions I deal with **Two months without communication of a billNot letting me know that my payment was not enough while still communicating that payment was applied.** Their policies of how to apply payments to accounts is engineered to generate late fees**Applying payments to premium instead of outstanding escrow and interest amounts.** The summary of my account on their website is out of date**Three weeks through June and my next payment is still listed as June without reflecting an increased next payment amount to account for the "missed" payment.** It takes them weeks if not months to perform actions other financial institutions can accomplish immediately**Chase was able to properly apply credits immediately the one time in years I ran into an issue** And for all the times I have tried to leave feedback with them directly, I can't find electronic contact information, and their phone system dumps even when I indicate I want to leave feedback
SLS purchased my loan and completely screwed me on fees and late charges, I had year loan and was never late and was almost years ahead of scheduleStay away from this company
This company is servicing my home loanThey have the wrong information regarding my escrow accountBeing as such they want a higher amount of money to be sent in each monthI have in the past sent them documentation showing proof of the correct amountBut that documentation seems to have been lost
Now they tell me that the monthly payment that was sent in will not be applied to my account because it is not the full amountThis will inevitably cause a "Notice of Default" to be issued
Can you assist me in getting Specialized Loan Servicing to correct their information and re-calculate the proper monthly PITI amount?
We filed bankruptcy in and requested SLS provide us a Loan modification for our second mortgage and never received a response from SLSIn February when we attempted to refinance (we were going to include a payoff to SLS for the 2nd mortgage) we found out SLS placed a Lien on our propertyFor years SLS never sent us a notification or request for payment or loan modification agreementAs a result, we are unable to refinance and SLS refuses to provide us a loan modification or any notice or attempt to try and negotiate payment termsWe are very disappointed with this company and do not recommend them to anyone
SLS is a debt-collection company that's moved into the mortgage-servicing business
SLS acquired my mortgage in May [my property is in California]
It was a simple mortgage -- ie not an escrow account mortgage
Around August 2017, SLA decided to convert my mortgage to an escrow arrangement
They did this internally and did not communicate this to me until confusingly-described charges for escrow account-sounding things began to appear on my monthly statement, around the same that
I tried to pay my November property taxes, and discovered that SLS had paid them
They had simultaneously started, again without any communication to me, allocating part of my mortgage payment to their escrow account and part to my mortgage account -- thereby proclaiming my mortgage as late-paid/short-paid
I have received at least roboletters confirming this arcane set of artificially-created calculations, none of which answers my question as to how/why this happened and/or how to r
The website for this company is terribleThe pages take forever to loadYou are charged $just to pay electronically (online and by phone)I have never been so disappointed in a mortgage companyI'd also like to that Ditech for selling us offWell done -- way to make a customer feel valued
My mortgage was transitioned to this company It took months for them to "find" my account I called twice a week for months trying to give them payment, but they would not give me an account number They never returned my calls They recommended that I not pay because I would be covered for up to days after the transition Finally, I was given an account number and was "allowed" to make a payment - at this point I had to pay months at once Once I had an account number and created an online account, I discovered that the mailing address and phone numbers they had on the account was completely erroneous It was not even close to an address or phone number of mine I attempted to correct the mailing address and phone numbers multiple times, but each time I would log in to my online account, the same incorrect information was still there As of now the mailing address is corrected but not the phone number I was just recently notified that this company did not make payments to my insurance company as it was required
My loan was transferred to SLS in from *** *** *** At the time of the transfer, SLS had the monthly payment amount incorrect and had some sort of small escrow account setup for a few dollars a month I called them immediately in and told them that there is no escrow account and to remove that, but they never did On my January statement they indicated a that they made a payment of $for Delinquent Tax Advance, and a credit of $for Fee Collection Corp Adv Short Pymt I called them immediately and again told that there is no escrow account, I pay the property taxes directly to the county, and there is no way that they made any payment to the county as the taxes were paid in full when due They told that they would research it and get it correct Since then, nothing has been resolved, they now show a past due amount of $52.61, and they fraudulently have added fees that they say I must pay I have now called times waiting on hold for up to
my loan was transferred to SLS around dec of 2016--i have had to make many many calls because of issue with my loan and to pull information about my loan from SLS the problem is reaching this companythey put you in que and after 30-minutes you are disconnected only to have to start all over again which I have had to do many times and after over attempts and hours later yesterday alone I know this is not right to the consumer if there is an issue with your loan if you can finally reach this company the problem has escalated I now have been trying to get some info on my ins which I had my agent send to them and it was verified that they received it has taken many days and over hours and still passed around to different depts and disconnected and or hung up on without and notice over times.THIS is a reoccurring problem and after reading some blogs I now know this is how this company conducts its business and is there practice it would appear
My mortgage was became under management of SLS in January of While I was away overseas they sent a letter by mail stating they needed proof of insuranceI get back home to find that they refunded my entire escrow and they did not use the funds to pay my property taxes leaving them almost months past dueI fax them my proof of insurance which I've been paying out of pocket for years and they then proceeded to pay off my policy without notifying me
The above combined really messed up my escrow accountWithin a day period I received pieces statements from them all of which included different monthly payments due on the 1st of the following monthOne was $750/mo HIGHER than I've ever paid for this mortgage in my life
At this point I sent in a letter in writing to have my escrow account removedThey denied me saying that they couldn't because of a late payment within monthsUntil they messed up my escrow account I have NEVER paid my mortgage late in years
Sent a letter asking for debt verification back in October of last yearThe company has not responded to my letter per the fair credit reporting actI have tried to call them by phone with no succes
A payment was submitted to SLS at the same time my servicing was being changed to Bayview Lending Service This notice was not sent to me in a timely matter as I have my bill pay service paying this from my checking account I was told my payment would either sent back to me or directly to Bayview lending and the payment would be posted the same day it was received by SLS The payment check had been cashed by SLS but my payment was never postedI have called numerous times and they keep telling me that it is in the Cash Department and the payment is still in Pending process This has been in the pending process for the over the past weeks now and still not answer In the meantime my payment is late I've been calling everyweek and I have sent in the documents of the cashed check
Specialized Loan Servicing(SLS) failed to pay my Flataxes in a timely matter from my escrow account causing me to pay the taxesThis was done on 12/28/and to date SLS has failed to return me the money owedThey do not respond to my complaints and when I do speak to someone I get no resultsThis has been going on since 12/28/with no resolution in sight, the money that I used to pay the taxes was set aside for other expenses that are coming due on February 1st and I do not see this getting resolved before theI'm in need of your help to get this resolved, I'm not asking this company for anything special just the return of my money, they have it in my escrow account since December and they failed to pat the taxes
IS THIS COMPANY FOR REAL? After receiving a notice, I have been trying to contact the company for the last days! On Monday I was on hold for over an hour, only to get an agent who transferred me and then I was hung up on This happened several times I then called again and got through to someone who then just straight out hung up on me Today they finally called and left a message, which I tried calling back and again, I was on hold for minutes, spoke with an agent, who then hung up on me after I requested to speak to someone in charge of accounts I called back and I am currently on hold again as I type this In the last seven days I have made a payment by phone that they put in unapplied funds and not to my account Then a money order was mailed to them through priority mail, which they told me was not received, but the tracking number shows it was received days ago, yet hasn't been applied to our account Not sure where our money is going at this point This company took over our loan years ago and it has gone down hill They won't even send us a monthly statement!!!!!...and we have requested this several times I am at a loss for how to get a hold of this company I've never worked with a company and agents like this This company is TERRIBLE!!! DON'T USE THEM!!!
September 10th my home was hit by Hurricane IrmaI'm still repairing my home and fighting with the insurance company for moniesThat being said SLS Specialized Loan Servicing in Dec is charging me a "hurricane survivor" $for a BPOThat was lowered from $I understand this is done to make sure the property is still standing which it is and all payments have been made up to dateBy law they gave a month forbearanceI've since paid the forbearance in full and paid all payments on timeI have other mortgages that didn't charge any BPO fees and some company's charged then waived with 1-phone callSLS has been terrible I've called ever month because I can't pay my mortgage because these fees are automatic when paying on-line paymentThis has to be stoppedSLS are crooks and thieves stealing monies from hurricane victimsMy home will survive all my payments are currentSLS can not take advantage of people in tough times! These fees are insane and should be stopp
TerribleIs All I Can SayVery UnprofessionalI've Never Seen A Company So Unorganized As Specialized Loan ServicesMy Question Is How Are They Still In Business?
SLS Lost Draft department will not investigate thisOn or around October 17, a check was issued to Dale *** and Linda *** and Compassion Roofing & RemodelingJP Morgan Chase at *** *** *** *** *** *** allowed him to cash this check without my knowledge or signature as well as Compassion's roofing did not sign the check 40016402, dated October 17, for $ 3,On or around February 12, JP Morgan Chase allowed check $ 3,011.58, dated 02/12/to be cashedThis check was made out to Dale *** and Linda *** and Compassion Roofing & RemodelingAll of these checks were not negotiated properly, but all three were either deposited or cashed by branches of JP Morgan ChaseI have spoken to several branches of JP Morgan Chase and all say it was incorrect, but there is nothing that can be done about itThe second two checks with the contractor's name was for roof repairs (both checks were the same amount), but no work has been done on the propertyI believe Dale *** and the contractor may have split the money or Dale *** may have kept the money for his gainPlease understand I know this money is not mine but should have gone for the roof repairsMore checks are to be issued for the repairI have spoken many time to our mortgage companies Loss Draft Department and although they admit the signing of the checks was improper they say they cannot do anything about it and will reissue more checks without inspection of property repairsI have spoken to JP Morgan Chase branches, USAA, Wells Fargo and Bank of America (as checks were drawn off them) with no resolutionIt is my conclusion that anyone can walk into a JP Morgan Chase branch and cash/deposit whatever they want without recourseI request that both the repair checks be disputed and reissued and required to have my signature, so I will know work is being done on my home at *** *** *** *** *** *** ** ***I no longer live there, but the home is still in my name as well as Dale ***The check for the musical instruments is requested to be disputed and reissued with my signature as a requirement50% of that check is legally mine, but JP Morgan Chase made it possible for Dale *** to cash/deposit checks improperlyMy name is on the homeowner’s insurances at USAAIt seems like there is fraud going on with all these banks, Dale ***, Compassion Roofing and Remodeling
Negative review say they never go paperwork then send you paperwork to work things out after they day policy to string you along till it's to late to save your homeThey never plan to help or do anything but forclose on your home.!!!! GET A LAWYER ASAP!!!!!!??? Don't deal with them your self
!
Poorly run business, bad customer service and not professional, I got transferred more than times without being able to get their system issue fix, I even spoke with a supervisor and many others Customer care specialist Billy, Mark and Fatima the rest I cant remember but they are all uselessI was on the phone for more than hoursI deal with customer service departments in my own business and I can tell that "Specialized Loan Servicing LLC" is a very disappointing experienceI refinanced my house back in October and I included my previous Escrow for Insurance and Taxes my Loan then was sold to this company "SLS", my monthly payment includes Escrow for Insurance and Taxes even my monthly statement shows both however in January I got a letter from my insurance company for the insurance billI contacted SLS and I was told that I had no Escrow for Insurance only for taxes, then I had to explain that I do have Escrow for both Insurance and Taxes, then they found a system error and even apologized ( Agent Fatima ID *** ) I understand that things like these could happen we all are humans but as humans we can rectify errorsI called in March and March I was on the line for more than hour each day being transferred between departments multiple times without anyone taking control of the main goal ( Send the insurance payment out of my escrow account to the insurance company), no warm transfers between teamsMy local Walmart cashier runs the cash flow better than these peopleSTAY AWAY IF YOU CANPlease sell my Loan to another institutionPlease !!! Please !!!
The short version of this review is that, while I share some of the fault for getting into this situation, I firmly believe that, had I been involved with a more customer focused and reputable financial institution, none of this would have gone this farThe recent situation is that, after my last escrow analysis, I agreed to be changed to paperless billingThat analysis was in MarchI received my first paperless notification in June and no paper bills since thenAnd the notification was just that, not a bill, but a notification that I could go online and get my billThis was the first communication regarding a bill I received from SLS that had my new, higher escrow payment on itAs a result, I had been under paying my bill by 2.7% or soI continued to receive notifications that my payments were being applied through MayThis June when I received my first electronic bill notification, I logged into their website and it showed that I was delinquent by a full payment and my payment for June had not been madeI called and was told that because I was not paying the contractual amount, my payments had been applied directly to the premiums and now fees had been applied because I hadn't payed the interest or escrow on the account--Those are the disclosed factsAs I said up top, part of this is my fault for not checking in on them every monthHowever, my opinion based on those disclosed facts is that Specialized Loan Servicing appears to be set up to do the bare minimum to comply with ever weakening consumer protection laws in order to generate feesThe quality of their communication is substandard compared to all other financial institutions I deal with **Two months without communication of a billNot letting me know that my payment was not enough while still communicating that payment was applied.** Their policies of how to apply payments to accounts is engineered to generate late fees**Applying payments to premium instead of outstanding escrow and interest amounts.** The summary of my account on their website is out of date**Three weeks through June and my next payment is still listed as June without reflecting an increased next payment amount to account for the "missed" payment.** It takes them weeks if not months to perform actions other financial institutions can accomplish immediately**Chase was able to properly apply credits immediately the one time in years I ran into an issue** And for all the times I have tried to leave feedback with them directly, I can't find electronic contact information, and their phone system dumps even when I indicate I want to leave feedback
SLS purchased my loan and completely screwed me on fees and late charges, I had year loan and was never late and was almost years ahead of scheduleStay away from this company
This company is servicing my home loanThey have the wrong information regarding my escrow accountBeing as such they want a higher amount of money to be sent in each monthI have in the past sent them documentation showing proof of the correct amountBut that documentation seems to have been lost
Now they tell me that the monthly payment that was sent in will not be applied to my account because it is not the full amountThis will inevitably cause a "Notice of Default" to be issued
Can you assist me in getting Specialized Loan Servicing to correct their information and re-calculate the proper monthly PITI amount?
We filed bankruptcy in and requested SLS provide us a Loan modification for our second mortgage and never received a response from SLSIn February when we attempted to refinance (we were going to include a payoff to SLS for the 2nd mortgage) we found out SLS placed a Lien on our propertyFor years SLS never sent us a notification or request for payment or loan modification agreementAs a result, we are unable to refinance and SLS refuses to provide us a loan modification or any notice or attempt to try and negotiate payment termsWe are very disappointed with this company and do not recommend them to anyone
due to auto pay mistake, now until sept I have mail in a cashiers check.(punishment) horrible loan company
SLS is a debt-collection company that's moved into the mortgage-servicing business
SLS acquired my mortgage in May [my property is in California]
It was a simple mortgage -- ie not an escrow account mortgage
Around August 2017, SLA decided to convert my mortgage to an escrow arrangement
They did this internally and did not communicate this to me until confusingly-described charges for escrow account-sounding things began to appear on my monthly statement, around the same that
I tried to pay my November property taxes, and discovered that SLS had paid them
They had simultaneously started, again without any communication to me, allocating part of my mortgage payment to their escrow account and part to my mortgage account -- thereby proclaiming my mortgage as late-paid/short-paid
I have received at least roboletters confirming this arcane set of artificially-created calculations, none of which answers my question as to how/why this happened and/or how to r
The website for this company is terribleThe pages take forever to loadYou are charged $just to pay electronically (online and by phone)I have never been so disappointed in a mortgage companyI'd also like to that Ditech for selling us offWell done -- way to make a customer feel valued
My mortgage was transitioned to this company It took months for them to "find" my account I called twice a week for months trying to give them payment, but they would not give me an account number They never returned my calls They recommended that I not pay because I would be covered for up to days after the transition Finally, I was given an account number and was "allowed" to make a payment - at this point I had to pay months at once Once I had an account number and created an online account, I discovered that the mailing address and phone numbers they had on the account was completely erroneous It was not even close to an address or phone number of mine I attempted to correct the mailing address and phone numbers multiple times, but each time I would log in to my online account, the same incorrect information was still there As of now the mailing address is corrected but not the phone number I was just recently notified that this company did not make payments to my insurance company as it was required
My loan was transferred to SLS in from *** *** *** At the time of the transfer, SLS had the monthly payment amount incorrect and had some sort of small escrow account setup for a few dollars a month I called them immediately in and told them that there is no escrow account and to remove that, but they never did On my January statement they indicated a that they made a payment of $for Delinquent Tax Advance, and a credit of $for Fee Collection Corp Adv Short Pymt I called them immediately and again told that there is no escrow account, I pay the property taxes directly to the county, and there is no way that they made any payment to the county as the taxes were paid in full when due They told that they would research it and get it correct Since then, nothing has been resolved, they now show a past due amount of $52.61, and they fraudulently have added fees that they say I must pay I have now called times waiting on hold for up to
my loan was transferred to SLS around dec of 2016--i have had to make many many calls because of issue with my loan and to pull information about my loan from SLS the problem is reaching this companythey put you in que and after 30-minutes you are disconnected only to have to start all over again which I have had to do many times and after over attempts and hours later yesterday alone I know this is not right to the consumer if there is an issue with your loan if you can finally reach this company the problem has escalated I now have been trying to get some info on my ins which I had my agent send to them and it was verified that they received it has taken many days and over hours and still passed around to different depts and disconnected and or hung up on without and notice over times.THIS is a reoccurring problem and after reading some blogs I now know this is how this company conducts its business and is there practice it would appear
My mortgage was became under management of SLS in January of While I was away overseas they sent a letter by mail stating they needed proof of insuranceI get back home to find that they refunded my entire escrow and they did not use the funds to pay my property taxes leaving them almost months past dueI fax them my proof of insurance which I've been paying out of pocket for years and they then proceeded to pay off my policy without notifying me
The above combined really messed up my escrow accountWithin a day period I received pieces statements from them all of which included different monthly payments due on the 1st of the following monthOne was $750/mo HIGHER than I've ever paid for this mortgage in my life
At this point I sent in a letter in writing to have my escrow account removedThey denied me saying that they couldn't because of a late payment within monthsUntil they messed up my escrow account I have NEVER paid my mortgage late in years
Sent a letter asking for debt verification back in October of last yearThe company has not responded to my letter per the fair credit reporting actI have tried to call them by phone with no succes
A payment was submitted to SLS at the same time my servicing was being changed to Bayview Lending Service This notice was not sent to me in a timely matter as I have my bill pay service paying this from my checking account I was told my payment would either sent back to me or directly to Bayview lending and the payment would be posted the same day it was received by SLS The payment check had been cashed by SLS but my payment was never postedI have called numerous times and they keep telling me that it is in the Cash Department and the payment is still in Pending process This has been in the pending process for the over the past weeks now and still not answer In the meantime my payment is late I've been calling everyweek and I have sent in the documents of the cashed check
Specialized Loan Servicing(SLS) failed to pay my Flataxes in a timely matter from my escrow account causing me to pay the taxesThis was done on 12/28/and to date SLS has failed to return me the money owedThey do not respond to my complaints and when I do speak to someone I get no resultsThis has been going on since 12/28/with no resolution in sight, the money that I used to pay the taxes was set aside for other expenses that are coming due on February 1st and I do not see this getting resolved before theI'm in need of your help to get this resolved, I'm not asking this company for anything special just the return of my money, they have it in my escrow account since December and they failed to pat the taxes
IS THIS COMPANY FOR REAL? After receiving a notice, I have been trying to contact the company for the last days! On Monday I was on hold for over an hour, only to get an agent who transferred me and then I was hung up on This happened several times I then called again and got through to someone who then just straight out hung up on me Today they finally called and left a message, which I tried calling back and again, I was on hold for minutes, spoke with an agent, who then hung up on me after I requested to speak to someone in charge of accounts I called back and I am currently on hold again as I type this In the last seven days I have made a payment by phone that they put in unapplied funds and not to my account Then a money order was mailed to them through priority mail, which they told me was not received, but the tracking number shows it was received days ago, yet hasn't been applied to our account Not sure where our money is going at this point This company took over our loan years ago and it has gone down hill They won't even send us a monthly statement!!!!!...and we have requested this several times I am at a loss for how to get a hold of this company I've never worked with a company and agents like this This company is TERRIBLE!!! DON'T USE THEM!!!