Consumer complaint received 2024-03-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
XXXX verified and provided proof that my loan & closing documents have been altered from originals without my knowledge or permission. XXXX, my 1st Servicer informed me, " she had recvd 5-7 different disclosures none of the matched, had signatures nor were notarized. I stated that's what I have as well there was no notary at closing and I signed my documents on the way to closing because my lender kept sending me someone else 's information all the way up to close, I kept responding back to the lender, wrong customer, wrong purchase price. I have a XXXX XXXX loan these are FHA 's, my interest rate is locked in, its 3 %! Though fell on deaf ears. Night before close, the lender answered my call I called from a friend 's phone I never ever had the lender respond or answer my calls. I lost my temper and stated I came to you wanting one loan it's the only one I prepared for with my counselor for over 8 months I have a grant and down payment assistance they've been trying to get a hold of you you were supposed to lock me in at 2.86 % and you forgot gave me 3 % I'm still not happy about and I can't afford this loan if you're thinking that this is for me. The rush was on. A document now states that I made changes causing everything to be rewritten. Docs were reused including the contract to purchase real estate by agent from home I almost bought with another lender. registered amount of home now the purchase price from the prior property I almost purchased and didn't applied to the home I did buy registered on the wrong date by the title company, knowingly. Day before underwriting lender asked for my XXXX  letter. I was on XXXX but I found it odd that she didn't even have proof of my income yet, though didn't matter the amount she used was inflated. I made a dispute with a cfpb regarding the lender running my credit prior to me even knowing her, she ran my credit on that she ran my credit stating I had provided paycheck stubs on XXXX and my driver 's license which I did n't drive due date XXXX. I had another lender at the time it was closing on the other house just checking prices. I use the lender because I was on XXXX low income and was relying on my credit score and great payment history. I had to use her because she'd already ran my credit I couldn't risk a third hit when my orig lender backed out. I asked the lender if I should unfreeze my credit prior to underwriting I received no response like normal from her. the lender stated that there was no change although after speaking to XXXX and XXXX XXXX it was noted on my credit report changes had occured, there have been a significant rise on my credit the lender stated that no changes had occurred even in a cfpb response to a dispute. XXXX verified the lender lied. my credit was frozen she never even checked my credit again I feel just out of breed she did this so that I would have to pay PMI cuz I wouldn't have had to if she would applied my grant and down payment assistance that she just ignored like she did me and then she also altered the seller credit I was receiving verified by the seller he never reduced it but my lender did twice from XXXX down to XXXX. I asked the lender if she was familiar with applying the down payment assistance and home ready loans she stated she was very familiar with all of that and it would not be a problem. the lender never applied my gift money properly and then applied prepaid homeowners insurance removed it and then added it back in knowing it was prepaid and then used it towards my cash to close that I should have got a refund on. I was forced to pay for the XXXX taxes for the seller which I had stated profusely I did not want on my mortgage loan and that he had to pay it prior to close along with his overdue water bill I was ignored and my agent showed up even though he had been fired just to tell me he had never negotiated the price or got me my survey or even the repairs that I had stated had to happen I had required a home inspection the agent was so green and didn't have anybody to guide him that he thought a home occupancy was the same thing he didn't do these things because he had public anxiety he didn't even know who my lender was. I kept stating I'm under duress and I don't understand this but I was handed a phone with my lender just screaming at me that she'd explained everything I only talked to her a couple times and it was usually her screaming at me for something never did she answer any of my questions or give me any options or provide me with documents when they were supposed to be provided she had no idea who I was and nothing about my mortgage loan and then wanted me to sign to keep her out of trouble documents and then told me that the sellers lived out of state and to make everything easy and not delay the process go ahead and sign things and then they have the seller sign his signature and terms or whatever and they give me a copy later we can discuss it if there was anything I didn't like. the grandson down payment assistance never applied that I already had confirmed compatible I was told by my lender that I was turned down for the XXXX XXXX  loan and also that I had a XXXX property I don't have that either no government backing also I was told I had. I have a thing called a shared driveway and there was no agreement put in place for my XXXX XXXX  loan that I was approved for and lied to about. this is a constant problem and I'm constantly being threatened by the person who owns the driveway and now served with a cease and desist from the city I'm not allowed to step in the driveway and have to pay for a curb to be cut.. lender refused to answer the many messages of the grantee and then just never applied so desperately needed assistance for reasons unknown not even the 3 % Fannie Mae offers. I did not receive a loan estimate that I even thought it was mine because it had a different kind of loan the wrong seller wrong amounts I just thought since you never got back with me ever she was so busy she was sending the wrong person 's information or filling it out wrong she never would answer me when I would stay this is, XXXX I'm the XXXX XXXX loan. I have spent 3 years and nothing less arguing fighting begging with my Mortgage Services regarding which documents are real and which ones are not. I'm charged improperly, I have servicing errors that occurred the first day I had the loan yet no one ever updates are corrects this information even with proof provided. I did not have a reserve and escrow yet I'm being charged for one. APR changed. and part of my CDs were used from the other loan she was trying to stick me with. she required a gift from my mother who couldn't afford it but didn't want me to be homeless not once but twice. infuriated me I prepared and had enough money with the assistance for 20 % down I repeatedly asked for how much that would be and never receive that information. somewhere between my first service or my second the documents were corrected and put in the possession of servicers. although the service are still had the old ones as well. at 6 mo after closing I received altered documents stating that the seller 's wife now was one of the sellers and on disclosures the seller was now a corporation, the sellers business that I can't find any corporation listed at that time. I had made a complaint because the person I bought the house from was listed on over XXXX different houses as owner occupied and remained on mine while I paid his XXXX taxes. I was supposed to get a tax credit for XXXX on time seller lived her but that disappeared this is a rental home one of many of the sellers. I received an amendment page six closing disclosure they only change was the wife 's name listed at the top and this address of the home I purchased. The parcel for my County now blocked out any prior owners and deductions they recvd. I found out that the managing broker for my real estate agent wasn't licensed at the time of purchase. I had refused to give my agent cash for a quick and guaranteed sale on a he was flipping. I reported them to my lender and her response back was well they are adding additional commission to your mortgage loan are we adding it or not closing? so the money I wouldn't pay them under the table was added to my 30-year loan. I reported the lender, real estate agent title company and managing broker even the seller but no one did anything. I don't know why. I have had an attorney look over it and what they did was illegal. I don't have the money for an attorney and there is no attorney that will sue a lender because those are just cases that don't win or they want so much money to start I do not have. I have contacted all the freebie attorneys with land of XXXX nothing available closest one over 8 to 10 hours away. I have over 19 missing payments, I've had five servicers, equity principal interest and escrow accounts are completely off. I have 3 different times the escrow balance that's transferred it is listed as a bounced check, the wired escrow balance, and I start from zero every time. I have filled out notice of error after notice of error they are ignored or I get back no servicing errors have occurred or promises that these items will be fixed, sometimes they are and then somebody changes it all back sometimes they're not fixed it all. I have even had the help from Secretary of State Senators office and many others even not for profits these things get corrected and all reverted back to the errors they were before. I was a victim of XXXX card swapping identity theft there were multiple people who were attached to my sims card and had access to all my personal and financial information and records. multiple payments with every one scheduled bill pay by me all of my billers were receiving five, six, even seven different payments on the same day. my bank stated it wasn't happening they didn't see it, it wasn't happening yet all the companies receiving the checks definitely could see it that information provided to the bank and I was hard closed. XXXX XXXX I was with at the time never would assist me and told me I was not getting any bank statements unless I hired a lawyer and had them requested. FOIA request ignored. I still didn't know that my cell phone information was being shared on a 24-hour basis with internet criminals. I opened an account at XXXXXXXX XXXX. everything started happening again. I had the account for 9 months, I endured over {$9000.00} in XXXX charges every 30 seconds for 32 days straight never informed from the bank and locked out. at the time I was caring for my father who was in hospice, my attention was elsewhere. I wasn't concerned at the time I didn't know I had placed {$20000.00} in the account and thought it to be safe it was the first month I opened the account. the banker at regions didn't understand what was going on I didn't either but he kept reporting three of the charges for the charges five of the charges here and there never all of them like I had disputed all at once immediately. XXXX closed again. the 9 months of payments I had paid with XXXX XXXX not one payment is listed as still paid. that money was never returned to my account for all of them in fact most of them it was not, all payments were reversed and it was stated that I made fraud claims for every payment that I had made. then eventually stating that I had never even had an account at the bank until I made a better business complaint about the situation and they responded we are now in arbitration. my new servicer stated that I made zero payments since XX/XX/XXXX I have made many I've never been late. the prior service serve still has it listed even though fraud report and police report was provided that every month I had had bounced checks for reasons of post-dated Bill pays, customer listed the wrong account or wrong amount with entered silly reasons that would never happen. my second servicer didn't investigation and found out they were all coming from bill pay. I demand it no ACH transactions whatsoever on my account at the time and even when my account was froze they still were receiving these payments. I'm requesting that as a victim of fraud those negative notations on my account that I had no control over being removed from XXXX. my current mortgage servicer States I haven't made any payments since XX/XX/XXXX and has been applying modifications that I keep having removed as well as payment plans and stating them in default issuing and charging for property inspections on top of all the fees. I was speaking to my current servicer specialized Loan Servicing and the agent informed me on Friday that I must have spoke to someone who was on the ball because here 's 6 months of payments that have been in your file and never applied since XX/XX/XXXX. I've sent proof of payment over 29 times of the 19 payments missing on my account I've had the bank librarian send them attorneys not for profits I have fax them mailed them and even emailed them to date SLS has stated not one proof of payment usable or updated because of missing corners in the picture ink dot smudges even told they were thrown in the trash because I had put attention escrow department instead of just my loan number. I'm currently in default and have been told I have to come up with all the money due during the whole time that my mortgage servicer for over 11 months has had proof that the payments they're stating weren't paid are sitting in a file and looked at every time I call which is about 4 to 5 times a week. I've been forced to pay huge amounts and they refused to give me the amount paid or receipts for those paid payments cutting them up and putting them in suspense accounts and applying amounts that I can't even figure out what I paid. I have sent proof that I am in arbitration with the bank yet wouldn't have mattered if they would have just applied the 6 months of payments beginning XX/XX/XXXX XXXX XX/XX/XXXX stated on my XX/XX/XXXX specialized Loan Servicing statement the first one with them it states first payment default dated XX/XX/XXXX I've never been late or missed a payment and shouldn't be treated as such if they've had proof stating the same month they're back charging me for. the agent stated that they would be applied but they haven't been and they're still pushing for foreclosure on my home. I don't know what to do. I have only paid this mortgage on time multiple payments sometimes a month trying to cover all the additional payments made while fraud was occurring. my current servicer SLS has stated they are fully aware that documents have been forged and altered on originals but are refusing to report these documents specifically to loan applications that were falsified with all the wrong information even stating something different than the credit report received the lender stated there was debt that wasn't listed on the credit report she provided me. so I thought last refuses to report these documents or apply any payments until I provide them with a fraud packet please report and a copy of my driver 's license so they can compare it to the digital signatures the XXXX and XXXX verified someone else applied to the closing document originals by use of my accounts with them. I'm an arbitration my banking situation has nothing to do with their responsibility and requirements by federal and state laws to report illegal documents that they are fully aware of criminal altered that they are enforcing and keeping in their possession. I can not provide that information at this time I'm in court case that any information that is released regarding my case could damage my chances of ever having a life again and also not necessary. I reported this to XXXX XXXX they did nothing. I've asked for what my equity is and they will not tell me. requesting what payments were paid only to receive the same payment history after sending proof of 19 bank statements. I have sent the wrong things I didn't know it at the time but I corrected them and then sent the correct information yet it didn't matter. I need help before I lose my home. I don't know where else to turn no one 's following the laws or regulations and nobody cares. even the police here State the identity theft is a waste of their time refuse to give me police reports I had to go through the city 's attorney in order to get them 2 years later and then they don't even State what happened. is there anybody in Illinois who follows the law? I've done all the right things I've contacted and reported all of these things no one 's doing anything who is there to get help from. they didn't even have licensing that is required I made the payments why are they not applied. even my payment histories keep dwindling to less payments made why is that changing?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation