So I am in a chapter Bankrupcty, but my mortgage is not a part of this BankrupctyOriginally it was *** and looks like it still is *** but Also Specialized loan servicing llc when I log into my account it says Unviewable so I called and was told it was for my protection, I told them I wanted to view my account info and had my lawyer send them a letter giving them permission to allow me to view my account onlinebut they still refuse to do soI talked with my lawyer and was told as long as they have this letter they are able to let me view my account info online and I have every right to do soBut they still will not let me and now asked for my to contact their lawyer which he is in the process of doing
let me just add that this account is and has always been in good standing I have never given them any reason to to treat me this way at allI have made every payment on time never late ,not once and never missed a payment
This is the worse company to work with My loan came due I've been working on refinancing and explained that to them they won't let me make any type payment till the refi went through I have filed paper work times with them with no response I"m now being reported to credit bureau for no payment which is messing up refi I finally sent paper work via in the internet No response Called and said can't except because it's electronically signed I'm now back to square one They could care less I have been working with them for months and no one seems to know anything I will be reporting to federal government because of how they do practice I didn't choose this company my loan was sold from Morgan Stanley STAY AS FAR AS WAY AS YOU CAN FROM THIS COMPANY I may end up having to sell my home because of them I have never been late on a mortgage payment in my life, till now
SLS acquired my loan this year and I was told by a rep back in March that it's "no problem to make payments every two weeks like you did previously to pay your loan off more quickly, we don't have the capacity to set up auto payments every two weeks, but you can do that:.In April I received notices that I was days late(4/per ***)-I asked her to please explain why what I was told in March is contradictory to what she is telling me? She said I owed $that was due on 4/1/I asked if she could review all payments, she said no, another dept handles posting of funds and she couldn't help and would transfer me-I asked to speak with a supervisor or manager, she said she could place me on hold and transfer me to the executive offices-I was on hold for a long time only to receive a recording the "executive offices" were closed and I would receive a returned call within 3-biz daysI received a robot call back on May with no information regarding my specific message-just a a
I reached out to SLS to have them release a title on a loan that no longer existsThey asked me to send them the paperwork on the titleI sent the requested documentation overnight to the address they providedThey claimed they never received it even thought someone signed for itI also faxed it to them sever times and they still claimed they never received themThe last attempted was reaching out to them on the phoneI sat on hold for over an hour
I was affected by recent floods in south texas and was mandatory evacuated from my house June 2nd for daysThis was later declared a Federal DisasterI notified SLS of my situation and that I was requesting a deferment or modification for month only due to extra expenses paid for while out of my home ex: hotel rooms/foodFirst off it is very difficult to get a hold of someoneSecond of all they sent me a page application to fill out for month what they call a modificationthird of all I have been calling them several times a week and it is now july 22nd, all they kept saying is it can take up to days*** my point of contact has no compassion or empathy for my situation nor do I feel that the company doesI have two kids and am devastated enough by the floods and my losses and my flood claim has not even been processed yet due to so many claims filedI finally got a call back today and *** again with no compassion states that I was approved for a stand
I sold my house back in April of It is now August and they have yet to return my escrow money Every time I call they claim to have mailed me a check and yet no check ever arrives
Specialized Loan Servicing LLC is the holder of my mortgage loanIn May, although my ban** *** Bank of Massachusetts sent a draft in the amount of $to SLS "for recipt by May 6, 2016" on *** Bank Confirmation number provided by bankBecause I check my bank balances each and every morning, and because as os May 14, the check had not been posted by SLS, on May 15, I stopped payment on that draft, and issued a new check in the amount of $According to my bank records, and teleconference with SLS representatives, this check was received on May 16, 2016, within the allotted time as stated by SLS as "not late"It was received by Teller as stamped on the front of the check image
sls had given me a bad loan to begin with.sls is 2nd mortgage and it s/b 80% 1st mortgage and 10% sls 2nd mortgage,but sls sold me mortgage that was 70% 1st mortgage and 20% second s/b 80/not 70/I had complained at the time but they convinced me it is good my problem started when housing market collapsed sls had never sent me any bills or statement for last years ,they tried to settle the loan by giving me option to pay off loan time payment of I couldn't do it this was about 4years agothis time I offered to settle this loan , but they didn't acceptbut now after years no bills no statements and I got statement on 4/17/that saidamounts due is to get up to dateif sls had done the mortgage right the first time I would not be in this stuation nowI blame sls and housing crash for this loanloan s/b 80% and 10%.sls were trying to settle this loan that why they never sent me bills for last years,but now suddenly I am behind
In I obtained a loan for my home from a mortgage lenderSeveral months later I received a letter from Specialized Loan Servicing (SLS)Highland Ranch, Colorado that they would be servicing the loan for the lenderIn I was offered a Loan Modification Agreement by SLS, that went into effect July 14,
Nine months later I received a call and letter from SLS offering me a new Modification Agreement that would replace the Modification Agreement I already hadI asked why I would want a new Modification Agreement when the first one dated July 14, added $30,to my loan balance owingSLS stated that the new Modification Agreement was “better for me” and their selling point was that it would lower my interest rate from 6.75% to 4% for the term of the loanAfter many discussions with the SLS Vice-President of Cash Operations, and her assurance that the terms and amounts specified in the new modification were accurate, a New Modification was put in place on August 8,
Specialized Loan Servicing not only lost track of our records for two months, they have lost multiple checks that we have sent them If you ever have your loan transferred here, refinance Immediately
This company has removed $24,from a family bank account The home in question was foreclosed on 4/09/and the company continued to remove $per month for months, until this the last automatic withdrawal occurring in September,
The property was owned by my late father, who passed away in August During the entire time they were removing the money he was over years old and apparently had no idea the company was constantly removing money from one of his bank accounts every month
The company refuses to refund the money they continued to remove after the home was foreclosed on 04-09-as when the home was foreclosed, he no longer owned or held title to the property but this company kept taking payments after he no longer held the title
In April, I received a correspondence from SLS dated 4/13/that our account was in potential or existing default and a case manager had been assignedI immediately contact SLS who stated the letter was sent in errorAnother customer with a similar address should have received the letterI asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was notedA week or so later, we received an additional letter, also dated 4/13/18, again stating that we requested mortgage assistance and our house was being sold via short saleI immediately contacted SLS and again told this was sent in errorOur account was noted on 4/that the letters were inaccurate but not from my original call a week or two priorAgain I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being soldI was told they would not
This is just one of many problems that I have had with this awful companyI refinanced my mortgage so that I would not have to deal with them anymoreThere was a few thousand dollars in my escrow account, and my new loan provider advised that I should call them to request that this money be refunded directly to meThey said fineI just got my refund check and it is for less than $I called them and they gave me some nonsense excuse about the rest of my money going towards the payoffThey were not able to explain this in a way that made any senseI asked why they had not contacted me if they could not fulfill my request, and they had no responseI was then told that there was no way that they could have sent the escrow balance directly to us, and the representative refused to acknowledge the conversation that I had with her coworker during which I was assured that this would happen
It all started when I call for a payoff amount I talked to customer service and asked if I can send more money and then what was needed to pay off my loan they said yes and they would send me the different back if I overpay My principal balance was $I sent them $and I waited a bit then I noticed the account was still with a balance of $so I called customer service they mentioned that the last payment has to be in a certified check That isn’t what I was told by the customer service I originally spoke to So now my moneys in the mail coming back to my house for the amount of $and the payoff statement that I requested still didn’t get here two weeks after I requested it This company is very shady if you can avoid them please do at all costs
My mortgage was originally being serviced by *** and then transferred to Specialized Loan Servicing I feel when the transfer occurred I was not given credit for my appropriate monthly payments
I have been going back and forth and continue to make my monthly payments and they are threatening foreclosure The funds were originally automatically being taken out of my account so I don't know how I could be delinquent on the payments I then cancelled my automatic payments because both mortgage companies were withdrawing funds
Never have I felt totally disrespected at the most trying time in my lifeI simply called and asked if there was anything SLS was doing to help those in time of need during the Harvey Storm because I have not been able to work during the week of August 21st through the 25th and during the week of August 28th through September 1st The representative had the audacity to say that there was nothing she could do and how would I like to make a payment at this time How rude! So upset I have never been late on a payment Have had this loan since How disrespectful!
I have paying my loan ontime with SLS and they constantly call me stating that the payment is due on the 1st of the monthIn their statement it says that you can make a payment until the 16th without any late charges
I constantly receive calls from the mortgage company saying that this is from a debt collector and this is a call regarding a personal matter
I would like the company to stop calling me and harrassing me
I received a warning email from Equifax with the information about the report from one of the institutions will may affected negative my credit SLS report my account as "Affected by natural or declared disaster" (???) There are not been "disasters on my area" (Van Nuys) since the Northridge Earthquake on
Because a pass issue with this company I am only sending messages because I need proof of all our conversations for mine and their protection....I make this VERY CLEAR with them
Very polite I ask them to please change the status of my account of let me know what "disaster" my property was involved....I receive the following as reply to my messages:
As their first message: Call us.....(???)
As their second message: """.........we were notified that the property may have been effected recently by a natural disaster in the areaWe report this way in order to notify credit bureaus that the debtors may have issues making their paymentsThis is not a negative rep
I received a letter from SLS saying my account was sent to collections for non-payment of my July paymentOn the same day I received my statement the same that says that my July payment was received on July 12thAccording to my statement and also their website, my account shows my payment in full was received on July 12thBoth the statement and the website also show that a second payment for the same full amount was received on July 17thOn their website only it also says that the July 17th payment was a mistake and removed from my account on July 19thI have email confirmations from SLS and my bank that my payment for the full amount due was received by SLS on July 12th
On July 25th I called SLS to inquire about thisI was told by supervisor Victor *** that according to my account my payment was received on July 17th and they back dated to July 12thHe did not explain nor would he answer my questions about why my account was sent to collectionsI explained to him that my s
Specialized Loan Services is not reporting my month payments to my credit report and are charging me monthly "late fees" without providing backup documentation on how they are getting this fee amount I have my original loan documents and request SLS payoff letters and neither of these documents show that there is a 10% late fee In accessing the website, I can see my payments are posting every month When I contact SLS directly to inquire why they are not reporting accurate information they do not send a monthly statementIf I write them directly then I do not receive a monthly statement My inquiries are answered with an email saying that they don't send statements when they are researching accounts My account is not over days and I suspect that SLS is using predatory loan practices to prevent me from being able to refinance this loan so that I can end this nightmare of the WORST Mortgage Servicing Company in the US
So I am in a chapter Bankrupcty, but my mortgage is not a part of this BankrupctyOriginally it was *** and looks like it still is *** but Also Specialized loan servicing llc when I log into my account it says Unviewable so I called and was told it was for my protection, I told them I wanted to view my account info and had my lawyer send them a letter giving them permission to allow me to view my account onlinebut they still refuse to do soI talked with my lawyer and was told as long as they have this letter they are able to let me view my account info online and I have every right to do soBut they still will not let me and now asked for my to contact their lawyer which he is in the process of doing
let me just add that this account is and has always been in good standing I have never given them any reason to to treat me this way at allI have made every payment on time never late ,not once and never missed a payment
This is the worse company to work with My loan came due I've been working on refinancing and explained that to them they won't let me make any type payment till the refi went through I have filed paper work times with them with no response I"m now being reported to credit bureau for no payment which is messing up refi I finally sent paper work via in the internet No response Called and said can't except because it's electronically signed I'm now back to square one They could care less I have been working with them for months and no one seems to know anything I will be reporting to federal government because of how they do practice I didn't choose this company my loan was sold from Morgan Stanley STAY AS FAR AS WAY AS YOU CAN FROM THIS COMPANY I may end up having to sell my home because of them I have never been late on a mortgage payment in my life, till now
SLS acquired my loan this year and I was told by a rep back in March that it's "no problem to make payments every two weeks like you did previously to pay your loan off more quickly, we don't have the capacity to set up auto payments every two weeks, but you can do that:.In April I received notices that I was days late(4/per ***)-I asked her to please explain why what I was told in March is contradictory to what she is telling me? She said I owed $that was due on 4/1/I asked if she could review all payments, she said no, another dept handles posting of funds and she couldn't help and would transfer me-I asked to speak with a supervisor or manager, she said she could place me on hold and transfer me to the executive offices-I was on hold for a long time only to receive a recording the "executive offices" were closed and I would receive a returned call within 3-biz daysI received a robot call back on May with no information regarding my specific message-just a a
I reached out to SLS to have them release a title on a loan that no longer existsThey asked me to send them the paperwork on the titleI sent the requested documentation overnight to the address they providedThey claimed they never received it even thought someone signed for itI also faxed it to them sever times and they still claimed they never received themThe last attempted was reaching out to them on the phoneI sat on hold for over an hour
I was affected by recent floods in south texas and was mandatory evacuated from my house June 2nd for daysThis was later declared a Federal DisasterI notified SLS of my situation and that I was requesting a deferment or modification for month only due to extra expenses paid for while out of my home ex: hotel rooms/foodFirst off it is very difficult to get a hold of someoneSecond of all they sent me a page application to fill out for month what they call a modificationthird of all I have been calling them several times a week and it is now july 22nd, all they kept saying is it can take up to days*** my point of contact has no compassion or empathy for my situation nor do I feel that the company doesI have two kids and am devastated enough by the floods and my losses and my flood claim has not even been processed yet due to so many claims filedI finally got a call back today and *** again with no compassion states that I was approved for a stand
I sold my house back in April of It is now August and they have yet to return my escrow money Every time I call they claim to have mailed me a check and yet no check ever arrives
Specialized Loan Servicing LLC is the holder of my mortgage loanIn May, although my ban** *** Bank of Massachusetts sent a draft in the amount of $to SLS "for recipt by May 6, 2016" on *** Bank Confirmation number provided by bankBecause I check my bank balances each and every morning, and because as os May 14, the check had not been posted by SLS, on May 15, I stopped payment on that draft, and issued a new check in the amount of $According to my bank records, and teleconference with SLS representatives, this check was received on May 16, 2016, within the allotted time as stated by SLS as "not late"It was received by Teller as stamped on the front of the check image
sls had given me a bad loan to begin with.sls is 2nd mortgage and it s/b 80% 1st mortgage and 10% sls 2nd mortgage,but sls sold me mortgage that was 70% 1st mortgage and 20% second s/b 80/not 70/I had complained at the time but they convinced me it is good my problem started when housing market collapsed sls had never sent me any bills or statement for last years ,they tried to settle the loan by giving me option to pay off loan time payment of I couldn't do it this was about 4years agothis time I offered to settle this loan , but they didn't acceptbut now after years no bills no statements and I got statement on 4/17/that saidamounts due is to get up to dateif sls had done the mortgage right the first time I would not be in this stuation nowI blame sls and housing crash for this loanloan s/b 80% and 10%.sls were trying to settle this loan that why they never sent me bills for last years,but now suddenly I am behind
In I obtained a loan for my home from a mortgage lenderSeveral months later I received a letter from Specialized Loan Servicing (SLS)Highland Ranch, Colorado that they would be servicing the loan for the lenderIn I was offered a Loan Modification Agreement by SLS, that went into effect July 14,
Nine months later I received a call and letter from SLS offering me a new Modification Agreement that would replace the Modification Agreement I already hadI asked why I would want a new Modification Agreement when the first one dated July 14, added $30,to my loan balance owingSLS stated that the new Modification Agreement was “better for me” and their selling point was that it would lower my interest rate from 6.75% to 4% for the term of the loanAfter many discussions with the SLS Vice-President of Cash Operations, and her assurance that the terms and amounts specified in the new modification were accurate, a New Modification was put in place on August 8,
Specialized Loan Servicing not only lost track of our records for two months, they have lost multiple checks that we have sent them If you ever have your loan transferred here, refinance Immediately
This company has removed $24,from a family bank account The home in question was foreclosed on 4/09/and the company continued to remove $per month for months, until this the last automatic withdrawal occurring in September,
The property was owned by my late father, who passed away in August During the entire time they were removing the money he was over years old and apparently had no idea the company was constantly removing money from one of his bank accounts every month
The company refuses to refund the money they continued to remove after the home was foreclosed on 04-09-as when the home was foreclosed, he no longer owned or held title to the property but this company kept taking payments after he no longer held the title
In April, I received a correspondence from SLS dated 4/13/that our account was in potential or existing default and a case manager had been assignedI immediately contact SLS who stated the letter was sent in errorAnother customer with a similar address should have received the letterI asked for something in writing stating the correspondence was sent in error and told the rep could not do that but the account was notedA week or so later, we received an additional letter, also dated 4/13/18, again stating that we requested mortgage assistance and our house was being sold via short saleI immediately contacted SLS and again told this was sent in errorOur account was noted on 4/that the letters were inaccurate but not from my original call a week or two priorAgain I requested something in writing stating this letter was inaccurate, especially because this was the second correspondence stating we wherein default and our home was being soldI was told they would not
This is just one of many problems that I have had with this awful companyI refinanced my mortgage so that I would not have to deal with them anymoreThere was a few thousand dollars in my escrow account, and my new loan provider advised that I should call them to request that this money be refunded directly to meThey said fineI just got my refund check and it is for less than $I called them and they gave me some nonsense excuse about the rest of my money going towards the payoffThey were not able to explain this in a way that made any senseI asked why they had not contacted me if they could not fulfill my request, and they had no responseI was then told that there was no way that they could have sent the escrow balance directly to us, and the representative refused to acknowledge the conversation that I had with her coworker during which I was assured that this would happen
It all started when I call for a payoff amount I talked to customer service and asked if I can send more money and then what was needed to pay off my loan they said yes and they would send me the different back if I overpay My principal balance was $I sent them $and I waited a bit then I noticed the account was still with a balance of $so I called customer service they mentioned that the last payment has to be in a certified check That isn’t what I was told by the customer service I originally spoke to So now my moneys in the mail coming back to my house for the amount of $and the payoff statement that I requested still didn’t get here two weeks after I requested it This company is very shady if you can avoid them please do at all costs
My mortgage was originally being serviced by *** and then transferred to Specialized Loan Servicing I feel when the transfer occurred I was not given credit for my appropriate monthly payments
I have been going back and forth and continue to make my monthly payments and they are threatening foreclosure The funds were originally automatically being taken out of my account so I don't know how I could be delinquent on the payments I then cancelled my automatic payments because both mortgage companies were withdrawing funds
Never have I felt totally disrespected at the most trying time in my lifeI simply called and asked if there was anything SLS was doing to help those in time of need during the Harvey Storm because I have not been able to work during the week of August 21st through the 25th and during the week of August 28th through September 1st The representative had the audacity to say that there was nothing she could do and how would I like to make a payment at this time How rude! So upset I have never been late on a payment Have had this loan since How disrespectful!
I have paying my loan ontime with SLS and they constantly call me stating that the payment is due on the 1st of the monthIn their statement it says that you can make a payment until the 16th without any late charges
I constantly receive calls from the mortgage company saying that this is from a debt collector and this is a call regarding a personal matter
I would like the company to stop calling me and harrassing me
I received a warning email from Equifax with the information about the report from one of the institutions will may affected negative my credit SLS report my account as "Affected by natural or declared disaster" (???) There are not been "disasters on my area" (Van Nuys) since the Northridge Earthquake on
Because a pass issue with this company I am only sending messages because I need proof of all our conversations for mine and their protection....I make this VERY CLEAR with them
Very polite I ask them to please change the status of my account of let me know what "disaster" my property was involved....I receive the following as reply to my messages:
As their first message: Call us.....(???)
As their second message: """.........we were notified that the property may have been effected recently by a natural disaster in the areaWe report this way in order to notify credit bureaus that the debtors may have issues making their paymentsThis is not a negative rep
I received a letter from SLS saying my account was sent to collections for non-payment of my July paymentOn the same day I received my statement the same that says that my July payment was received on July 12thAccording to my statement and also their website, my account shows my payment in full was received on July 12thBoth the statement and the website also show that a second payment for the same full amount was received on July 17thOn their website only it also says that the July 17th payment was a mistake and removed from my account on July 19thI have email confirmations from SLS and my bank that my payment for the full amount due was received by SLS on July 12th
On July 25th I called SLS to inquire about thisI was told by supervisor Victor *** that according to my account my payment was received on July 17th and they back dated to July 12thHe did not explain nor would he answer my questions about why my account was sent to collectionsI explained to him that my s
Specialized Loan Services is not reporting my month payments to my credit report and are charging me monthly "late fees" without providing backup documentation on how they are getting this fee amount I have my original loan documents and request SLS payoff letters and neither of these documents show that there is a 10% late fee In accessing the website, I can see my payments are posting every month When I contact SLS directly to inquire why they are not reporting accurate information they do not send a monthly statementIf I write them directly then I do not receive a monthly statement My inquiries are answered with an email saying that they don't send statements when they are researching accounts My account is not over days and I suspect that SLS is using predatory loan practices to prevent me from being able to refinance this loan so that I can end this nightmare of the WORST Mortgage Servicing Company in the US