SLS COMPLAINT:
Submitted: June
2015
Reported By: SLS
Victim Clare in Milwaukee, WI
False Delinquency Notice
Our mortgage was bought by Specialized Loan
Servicing from our original mortgage holder about 18 months ago.
We had no problem until recently when we received
a delinquent payment notice from a COLLECTION AGENCY. SLS claimed that we had
not made our June payment. We had made the June payment early as we were going
to be out of the country after May 25, 2015.
I attempted to call SLS as soon as I saw the
delinquency notice. After a 10 minute wait - accompanied by loud music - I was
connected with "Erika". She informed me that the May 20th early
payment was viewed as an addition to the original May payment. She asked for a
phone contact number, which I supplied. She said the situation would be
rectified the next morning (June 30). She announced she needed to put me on
hold. I requested no music. She said she would put me on "mute". In
the process we were disconnected. Since I had just given her my phone number, I
assumed that she would use it to call me back. Nothing.
I do not wish to be subjected to another annoying
10 minute episode of music. I therefore await a return call - preferably from
FREDERICK KORB or DOLORES GILDEN to settle this matter immediately.
END
CONSULTING ADVICE:
Hi SLS Victim Clare,
You are so right to be upset about the
delinquency notice you received from a collection agency and about the actions
of SLS with regard to posting your payment as I can completely validate your
complaints after many dealings with SLS. I commend you for voicing your
concerns as it is an important step in asserting your consumer rights.
You have so many consumer rights and consumer
protections under the FDCPA and the CFPB and the FTC and RESPA with regard to
your complaint and it only takes a few minutes to submit the complaints online
to the CFPB and FTC for an immediate response and action.
In fact, we covered your complaint today on our
radio show The Daily Complaint
and provided a pathway for success to include how to contact the CFPB and the
FTC - thank you for posting your complaint online via Complaints Board so that
others will have the opportunity to learn from your experiences in dealing with
SLS. There are firm rules in place with regard to the posting of your payments
and correcting errors made by the servicer in a timely manner, you must know
your rights in order to exercise your rights.
In addition to submitting complaints to the CFPB,
I would suggest preparing a QWR or Notice of Error for SLS – you can learn how
through the CFPB by typing in QWR in their search bar and you never have to
speak with them or listen to that awful hold music again. They are required to
acknowledge the QWR or Notice of Error per RESPA in 5 business days and answer
it in 30 business days or you do have recourse, so listen to us address your
complaint on The Daily Complaint today
and contact us if you need further information on how to not only attack your
problem but to get the solutions that you are seeking. You can hold SLS accountable
for their actions!
Good luck!
Respectfully,
Dana Shafman
Managing Member
END Consulting
(888) 234-7006 Ext 101
