Specialized Loan Servicing [SLS]

Received a notice of default from SLS to foreclosure notice (Feb 1 2024)this is a loan from 2007 and never received any type of notification from this servicer. I went through a BK 7 in 2011 also had a modification in 2009. Need assistance help on what to do next.

My payments to SLS were rejected and returned to my bank. The first time I called they assumed that I didn't put the loan number on the electronic check.

My bank was kind enough to provide proof that the payments were sent properly to SLS. Nonetheless SLS rejected the payments and returned them to my Bank. I made the two "late" payments with just one week to spare before these so-called late payments were to be reported to the credit companies as defaults.

I don't know wat to believe when I talk to them.

On October 23, 2022 my home burned down to the ground in a massive house fire. I lost all that I have and survived only with my car and 3 elderly small dogs. At the time I was making timely payments to SLS although my mortgage had been over inflated due to missing escrow funds that they were not contributing too.

At this point in my life I am an elderly disabled 75 year old single female stage four cancer survivor with a very compromised immune system due to radiation and chemotherapy. I can not work due to my disabled leg and therefore am at the mercy of a limited set income from SSI.

Moreover, since my home has burned down SLS continues to try to collect mortgages payments for a home that no longer exists. Don't they realize they just cashed a check from my insurance company due to the fact the house has burned down? Are they really this unbelievably incompetent? Moreover, when I have tried to call on the phone no one seems to be able to give me any definitive information about my account and my call is just being passed around.

What is worse is that when my insurance company settled with me I did as I was supposed to and sent my 140,800 dollar check in to pay off my balance within 2 days the check was cashed. However, they have not even reached out to explain what happened to the check , where my balance of the check is or why they are still trying to collect payments if they already cashed this check. Someone must have cashed this check. I guess the left hand doesn't know what the right hand is doing.

Why hasn't this insurance check been credited to my account and why are they still harassing me trying to collect 9,00 dollars when they know I just lost my home and everything in it. The home burned down in Oct 2022 these people are still trying to collect mortgage payments from Nov, Dec,(2022) Jan, Feb, Mar, April, May, June, July, and August (2023)I have been under extreme duress, do not sleep well at night, living in a very small rv near my children, still not able to work, and living day to day waiting for some sort of resolution to all of this mess.

This is so heartless, cruel, inconsiderate, and indecent that I am seriously considering looking for legal counsel that would consider assisting me with this enormous problem.

Specialized Loan Services bought the loan from State Farm. It finalize on December, 2020. On April 2022 the HELO was terminated and received a letter stating the fact.

SLS switch the HELO to ARM Mortgage without explaining the statement "The HELO is now terminated" The HELO apr was 4 and with the change now it's 9.

The customer representative said it's common practice for the company to do that.

Loan #[protected]

Case No ESP-38002

In March 2023, I, Emilia Mendonca, sent SLS a check for $6,305.11 towards my escrow account in an effort to bring my mortgage payment down. My payment did not decrease, but instead increased from $2,353 to $2801. I contacted SLS and was told $305.11 was applied to my escrow account and the extra $6,000 would just sit there in the escrow acct. and would not be applied. I asked for the $6,000 to be returned to me, since it would not be applied and I needed those funds to pay my mortgage payment. I received a check from SLS on May 23, 2023 in the amount of $6,000. On June 12, 2023, I deposited the $6,000 check in my bank. The check BOUNCED. I attempted several times to contact SLS regarding this issue, and I was transferred from one Dept. to another without any resolution to the problem. On June 29, 2023, I spoke to Corina who started a Case and provided me the Case No ESP-38002. Corina stated she sent an email and instructed me to call back. On July 6, 2023, I called back and spoke to Jamayla. Jamayla stated I would not receive the $6,000 back and it had been sent to Fresno County and then Jamayla transferred me to Paul at the SLS Tax Dept. Paul stated the funds were never sent to Fresno County and this was not a Tax issue. After being transferred to other Dept.'s I finally spoke with William in Escrow. I asked to speak to a Supervisor. I was told a Supervisor would call me back tomorrow. This is unacceptable. At no time has SLS attempted to communicate with me regarding this issue. No correspondence, no phone calls, zero communication. I would like my funds returned to me. Every time I call, I am transferred from one Dept. to another. On this day, July 6, 2023, I was on the phone for one hour and fifty-four minutes. Your assistance is greatly appreciated.

Sincerely,

Emilia Mendonca

Insurance claims check and specialized loan services are passing the buck not one will do anything - I have a lien being filed on y home while my insurance money is sitting in am account and they are making the interest - can not get any help — I am unable to live in my home so I am having to pay rent a well as my mortgage — they need to be shut down

Tyrone evenson

please add me to the class action list against sls i to have went through nothing but problems with this company. From reporting false information to creditors and miss handling payments they have destroyed my credit and made it impossible for me to get any type of loan. Please if their is a class action lawsuit add me to it. I have every piece of correspondence and receipts to help with case.

I submitted for a closing amount to pay off my home loan. They sent it with an expiration date. I sent in the check through my bank the way I had been for all my payments. They cashed it well before the expiration date. The following month they continued to charge me interest on $0 balance. I confirmed the $0 principal balance. I submitted my complaint, and they said that had a right to charge interest since the payoff bill wasn't paid with a certified check. They threatened to continue to send interest payment checks unless I sent them a certified letter to pay off additional interest only payments. This is theft and intimidation.

I submitted my payment on August 25th, 2022, for my September 1st, 2022, payment. my conformation # [protected] for account # 6763. when I called customer service, I was told a misteach was made on the mortgage company's end and that it will be corrected. I have since received phone calls that I am late on my payment and when I call customer service, they keep telling me this will be corrected. due to this matter seems this matter not being resolved we have also sent a letter to the Federal Trad Commision to protect ourselves from any wrongdoing. we just want this matter resolved as soon as possible.

My mortgage was on forbearance. HSBC was doing a loan modification.mortgage was transferred to Shellpoint. Shellpoint transferred it to SLS. SLS informs me they want $74000.

Any payments sent in were sent back.

My on line account was blocked and stated breach of contract on SLS. As I try and leave messages in the lost midigation to people I've spoken to. Customer service has blocked me there also. Now my account is open and come October they want now about $16,000..

I fear they are trying to foreclose on my home as I have no idea what my payments are each month. Where did they come up with that huge amount of money.

[protected]@aol.com

An error was made by the mortage account that put me delinguent status for four months, Because of the error it has affected me for two years, I couldn't get a equity loan and I paid a higher interest rate when I purchased my new car. I had a conference call with Specialized Service, Clarfi and myself and was tolded they would update my credit with the three credit bureaus, they didn't do it. I filed a complaint with CFPB and nothing was done. I would like for this to be resolved with all three credit bureaus updated, and I would like preliminary damage.

2nd mortgage paid for nearly 15 years fixed rate 14% coming up on maturity letter and saying we owe nearly 9 thousand dollars. Paid 211.22 to Citifinancial for 8 years and sold to SLS and paid 211.22 for 6 plus years. SLS claiming we have a balloon, however couldn't even tell me when it became a balloon. 14% Conventenal Mortgage to be paid off Nov 22, 2022. Do the Math clearly as if they disregarded all payments made to Citifinancial for the 8 years and trying to get a final payment we already paid them. This is FRAUD, and wrong on all levels. I am aware SLS is not a reputable company, but to do this is fraud. They no that there was no balloon because we had no reason to even change to any balloon. Who ever did this should go to jail and be prosecuted to the fullest extent of the law. Wrong no matter how you sum it.

I have been trying to work with SLS on a forbearance plan starting in December of 21 it is now May of 22. They have continually strung me along asking for more and more paperwork. After I call and call and talk to a representative, they ask for more paperwork act like they are fixing some wrong information and say just send in this paperwork and will get things going! Only to have them call three days later saying we didn't receive all your paperwork, or something was missing or now we need pay stubs for this month! all that only for them to again send me this. As requested, your recent application for home loan assistants has been withdrawn. At who's request what are they talking about! They are string the homeowners along to try to foreclose on your property. from doing some research I have found many of the same complaints and law suits that SLS Specialized Loan Service is not complying with Regulation X

During Covid shut down I requested forbearance for my home (April 2020). I received it but when I went to come out of the forbearance plan, in June of 2021, SLS removed me from forbearance plan. They did so as I was applying for a modification of my loan to have all payments in arears to be added to the end of my loan.

I began the process, and stayed engaged for nearly 11 months of back and forth. I provided documents, taxes, taxes again, and documents over and over again. As the process went on, I asked the Customer service representatives multiple times, Do I need to start making payments on this loan. They always assured me that the process was close to completion, and that once the process was complete we would get started making payments. This process was painful and slow, and always required me to call them to find out if the documentation was complete or not. In December of 2021 I was feeling uneasy about the process, I finally had a CSR tell me that I needed to start making payments and she accepted one payment from me that month. So, at that point i realized things were not as they had been telling me over the phone. So I attempted to make multiple payments after that date which were either refused or refunded. When I asked them why, they said they could not receive them in the current status of my loan.

As they continued to reject my payments, over and over again, the documentation would appear to be sufficient only to be rejected at a later date and another request made. Then more updates... long story short, in the background they were foreclosing on my property but delaying the sale date until they officially denied my request for modification. Its my opinion they were attempting to ensure that I could never afford to bring my loan current by loading month after month of back payments.

Once I received a formal denial, which only came after I called them. I requested a statement and payoff amount of the back payments (71,000 +). I put the money together any way that I could to avoid them taking my home, and payed the amount and brought my account current.

Upon doing that, i was informed that I owed fees for foreclosure proceedings and was informed that they would also be tagging my credit with multiple 30/60 and 90 day late payments which has precluded me from being able to refinance as rates continue to go up daily. this is costing me thousands and thousands of dollars.

2008~ Judge orders ex husband to pay HELOC with Bank of America that originated with Country Wide in divorce leaving me (ex wife) to never be responsible for this debt.

2014~ Ex Husband (John Holland) died of suicide leaving no will. Probate Atty Overlooked Heloc debt that was sold to Specialized Loan Services. (Heirs are unaware of debt)

2020~ I (homeowner) see a person photographing home. And was told they weee with SLS.

I told them there was no mortgage on my property and I was not aware the HELOC had not been paid. I contacted probate attorney and advised him of the incident. He assured me SLS did not have a leg to stand on. I called SLS and they advised they cannot discuss the account with me. I advised them Jon Holland, the account holder was deceased and they asked me to send them a death certificate and which I did. This was 2020. They assured me they were unaware of his passing. My daughter was the executor of her late father‘s estate and granting me permission to discuss the stat that was Tied to my property. I faxed them permission from my daughter to discuss the account along with the death certificate and I also mailed a certified copy. SLS refused to discuss the account with me furthermore. Next I received documentation from the sheriffs deputy for Foreclosure at my home. SLS claims they tried to settle numerous times. SLS was made aware of the death in 2014 but advise me they did not know John Holland, the account holder was deceased. I have proof in a document that they had full knowledge of his death. They continued to send statements to his former property address. The property had been sold and his heirs nor myself were aware that he owed this debt and it was a home equity line of credit with my property being used as collateral. SLS claims I signed documents allowing John Holland my late husband to assume the home equity line of credit I do not recall signing the documents. SLS never contacted me, the property owner but after lengthy research it is proven they continued to send monthly statements to John Holland address for many years after acknowledgment of his death. SLS claims they tried to settle the account on numerous dates via mailed letters. After lengthy research, SLS was sending letters to the light John Holland after acknowledgment of his passing to his prior property address. SLS never reached out to me regarding payment or advising me of the past due account. I made numerous phone calls and each time I was told they could not discuss the account with me. I feel I have been treated poorly and unfairly. SLS denied me any opportunity to settle this debt. All of the documents they ever mailed out were to the late John Holland although a claim I signed for him to get the home equity line of credit. I think there is a big mistake and my house should not be in foreclosure. SLS claims Mr. Holland owed $11,000 in 2012. They are now saying the balance is over $31,000. I am seeking immediate resolution. I have lived in my home for 25 years. I am a single mother and I worked hard to pay my house off. SLS has been very unprofessional in regards to my property. Please give me instruction how to stop this foreclosure. I am in closing documents proving SLS never sent me information regarding the debt that is tied to my property. I am also enclosing a document providing proof that SLS was aware of the death of John Holland in 2014.

I refinanced with another company back in December of 2021. It is now mid February of 2022 and I still have not received my escro check from SLS. I paid my December mortgage that is still owed back to me due to the refinance on top of escro. I was originally sent a check for 3100 and I deposited it, and then it was cancelled after I deposited the check. My bank fined me, and when I called SLS mortgage they could not tell me why that happened or when I would get another check. I called again a week later and some lady told me my check would be mailed out but she did not know when it would get here. I then called AGAIN a week later after not receiving anything, and spoke with someone who said my check would mail out the following day. It has been a week now and there is still nothing in the mail. Every time I call I get a different answer or an "I don't know" and I was counting on this escro check to pay off bills I had.

October 16, 2019 $1000 sent. After calculating outstanding principal amount each month through December 2019, I saw that only $274.79 was applied. Where is the $725.20?

In October 2020 they did the same with $2000 I sent. They did not apply the full amount and stole my money. I had to call for the supervisor and they recalculated. I want 1 1/2% on the money they held for 2 months

Now they did it again in November 4, 2021 I paid $1200 and they applied $133.07. Where is my money! I called the second week of January to complain to a Daniel I believe. Nothing has been done about this stealing of funds.

This company is fraudulent. I will be writing about them to stockholders.

They have caused me to spend hours in calculation and in telephone calls. I am desperate to get out from their "servicing".

I have many pages of these practices. But they are found on their website in my account.

On July 9, 2021 I made SLS aware of my new home insurance policy.

On July 12, 2021 SLS made an escrow payment to the new policy.

On July 16, 2021 SLS made another escrow payment to the old policy causing a shortage of $2015.00

On July 19, 2021 a stop payment was placed on the transaction after I complained.

To Date, the money has not been returned to my account and my calls get transferred to different departments in a never ending loop.