Specialized Loan Servicing [SLS]

my payment went from$1, 474.35 (original payment since we opened this) to $1, 664.37 August 2021 and then up again to $1718 Sept 2021? I have never been notified of an increase. I have tried calling, sending emails and sent a letter. I have never been late and sept 2021 payment is showing a $53.52 past due. How is this even possible? How does my payment go up $243.54 in 2 months. I did not authorize any other amount debited from my bank account except for a reoccurring payment monthly of $1, 474.35.

I was presented the option to go into forbearance after losing my position in march and Covid -19. We were told the amount would be added to the end of the loan. After 3 months we were called by 3 different SLS reps confirming verbally that we were verbally extended forbearance. We went off there word and the correspondence should be recorded. We were notified after I noticed mortgage lates showing on my personal credit. I contacted SLS they said we owed the money right away and would negotiate repayment plan. They wanted the full amount right away. They asked me to show proof of deferment so they could address the mortgage lates on credit and the verification of mortgage (VOM). After no response over weeks and making repayment on plan which we didnt have the money to do but didnt want to lose are place. Its been a night mare when you call retention/dispute department and loan department its all the same. A different story every time. I have lates on my mortgage they didnt dispute to remove. We attempted to refinance but my credit is screwed and cant. We even said if they remove the unwarranted lates off VOM I can refinance in my wife name.

We need help and the way SLS has handled the lies they have told has to be not only illegal but effect more than us.

This is one of the absolute worst and untrustworthy Mortgage companies out there, they are under constant investigations for fraud if you investigate. I can't count how many times I have been told one thing and then find out the other when it is too late to fix. Case in point they lied and put me on their own hazard insurance when I already had hazard insurance then sent me a bill for the 3 months they secretly had me on theirs for 368 bucks. When I finally sold my property they still continued to try and say I owed a mortgage payment even after the property was completey sold and with another mortgage company and keep in mind this all went through a title company to change. If for some reason you end up with this scam of a company please do everything you can to refinance. They are out for one thing and that is to get you into forclosure even if you pay your payments on time and sell the property

This company will not let me know if they have received my power of attorney documents that I fax to them on my mother's house and will not give me any information. They acquired the loan on my mom's house from Wells Fargo. Last payment was in July of this year. They will not give me information on loan modifications so thar I can bring the mortgage current.

Loan / Escrow Acct # [protected]
SLS acquired this account on 10/20/17.
I have had nothing but problems with them handling my account off and on since 2018 I have Emailed, Called, Been hung up on while been put on hold "waiting for a Someone to answer". No one answers my questions about said escrow above being close without my permission this has only made 'matters worse".

Nobody notifies me of this until my March Statement is received in the mail for March's Payment which is $00.00. Which was taken out of 1 of 2 refund payments for Flood Ins. that was taken out for 2018 At $1553.00 (this amount was deducted from my Escrow 3 times) I did not request a refi rep. either. Yes they assigned me one. Why?

On 2/13/19; after my Escrow was Closed SLS proceeded to cut me a"Refund Check for $1448.36. Then not mail it out until 2/19/19? On 2/20: I did try to talk to an SLS Rep.in Customer/Escrow Service named Candy saying "She would try and resolve this situation... But I again did not heard anything

On 3/4/19; I find out that this check I deposited into my Bank on 2/28 was:
No good thus returned and I am left with a return fee to pay.
This money was to pay my property taxes, house and flood insurances.
My money I paid into my escrow in addition to my house payment to sls...
My Documents will not upload so I can't send then to u, sorry..
JL Breitenstein
[protected]@yahoo.com

I have been trying to deal with this company since june 2014 when my mortgage was sold to them from one west bank. I am still waiting for the re-payment plan. I have submitted so many forms and documents and still have no results. They keep saying they are "reviewing the documents". I do not believe it takes close to two years to "review documents". I worry everyday about whether or not they are going to try and foreclose on the property. I have since submitted all my paperwork to the attorneys at tycko & zavareei, llp in washington d. C. They specialize in class action lawsuits. Hopefully they will be able to help me and others who are having the same problem with the specialized servicing company.

August 2015

I applied for a modification back in august 2015 and this is now february 2016 and I was denied after I provided them with everything they needed month after month after month. I have faxed to them over a 100 times the same or different information and the past due about the they have stated is totally incorrect and I have addressed this issue with them before and they have yet to make the changes.

I have asked a million and 12 times for the bank to explain to me y I was just contacted. I mean it should not have taking them over 6 month to review documents and I was always having to call them oppose to them calling me to explain the next step.

Kyesha henry
773.972.8927

After my mortgage modification was denied my was transfer from BofA to SLS, LLC I request a debt accounting because Bof A did not credit to my balance some payment and I start to get modification with SLS, they file a NOD send me to foreclosure since 2013 . I been writing letters to all the trust, I hire Ashis Patel attorney to suit SLS but they just make everything worst, I was paying 1000.00 a month from 10/2014 to 12/2015 Ashiskamu Patel file the lawsuit but did not follow with the judge order and did not show up to the last hiring, so the judge dismiss the case and Ashis Patel office did not send the documents to the servicer so SLS denied my modification The Attorney toll me he is not going to help no more I want to get a modification and I want to get my money back from these law office

Although our mortgage payment date is for the 1st of every month and because I am on social security disability I pay our mortgage on the 5th day of each month. I just learned today that even though I make these standard payments through my checking account automatically on the 5th day of each month our mortgage payment isn't processed until the 24th day of each month and I learned that this morning after a representative contacted me to tell me that my mortgage payment was late. They state in writing that even though your mortgage payment is due on the 1st of each month you have up to 15 days to make your payment before the payment is considered late. While speaking to a representative of sls this morning I asked why my payment that is wired to sls through my checking account on the 5th of each month why is the mortgage payment not processed for 19 additional days. The representative could not or would not answer the question or offer an explanation as to why it takes so long to process my mortgage payment when the money is wired immediately. I would like an explanation to these questions?

I have had nothing but trouble from day one. I have been trying for months to obtain a modification but all I get is that they haven't received this or that. I sent 2 completed packets. Sent one fed x and one certified mail and then faxed everything 2 times. I spoke with them again today and they are claiming that they don't have everything. What a load of crap. I have been sent a default letter and a forclosure notice for november 5 2015. I need help and don't want to lose my home. If anyone knows how to help please contact me at : [protected]@yahoo.com. I would be great full. I don't know what else to do. Jo

I have been waiting for a repayment plan for a very long time. It started before the other bank, indymac, sold the loan to specialized loan last june. I was not told until about a month later. I only found out because I was trying to make my monthly payment then. I was not able to because I had no idea who or where to send it. I have been filing papers ever since then. They keep telling me they are reviewing the documents. Then next day I get a letter saying i'm in default. I have been making payments monthly for the amount due, sometimes more. Somehow they are telling me I owe over $ 2700. I don't think so. I
Talk to them on the phone, one person says one thing. The other person says something else. I'm confused. I just want to get caught up, i'm not asking for a refi, just repayment. I'm not understanding what they are doing. Not sure what to do now. I would never choose this company. I was with the original mortgage company for about ten years. There are too many papers to include on this site.

Sls apparently bought my loan from my original lender. Their address on "lucent" (lucifer) boulevard was the first red flag, and after dealing with them for a couple of years, they have proven themselves to truly be from the devil himself. They are completely unethical. Each month, they withdraw my loan payment directly from my bank account, which they are authorized to do anytime between the first of the month and the 25th, when the payment is due. I discovered that they withdraw the payment on the very last day, and then have the nerve to charge me a late fee for their failure to withdraw the payment earlier! (sorry for "yelling," but I can't believe the extent of their dishonesty and criminal behavior!) i'm gladly paying the cost of getting a new loan to pay off this one just to get rid of sls. I resent my original lender having sold my loan to them in the first place.in addition to sls's being thieves, their customer "service" is just plain ridiculous. Their representatives don't even have the most basic common courtesy, and lack any and all common sense understanding of how to deal with customers in a businesslike and professional manner. I don't know where they find these people and, after speaking with someone who claimed to be in charge, I don't think they care at all! I can't wait to completely sever all ties with these demons!