but then said in XXXX of XXXX the rate would increase to 4.125 %. This too was quite a surprise. However while I was speaking to XXXX I logged onto my online account with Specialized Loan Servicing and my most recent loan statement indicated that my existing rate on my loan was 4 %. I told this to XXXX who at first told me I was wrong then finally had to acknowledge I was correct. But I was very upset and about XXXX minutes later I called Specialized Loan Servicing and I spoke to a loan specialist who said her name was XXXX. XXXX told me that my credit report would not be marked late if I didnt pay back all my back payments while on forbearance on XX/XX/XXXX but insisted that the loan specialist that I spoke to on XX/XX/XXXX could never have told me that a deferral is automatic. She immediately checked the transcript of my conversation that I had with the loan specialist and acknowledged that the loan specialist did in fact indicate that the deferral was automatic. That said XXXX told me that this was incorrect and that my approval for a deferral depends on whether the investors who own my loan will approve the deferral. This seems in contradiction to the information listed on the Specialized Loan Servicing website which indicates that a deferral is one of the options for a borrower that has been in forbearance which is about to end. I am attaching a screenshot of this information that is on the website.

What the CFPB Record Shows About but then said in XXXX of XXXX the rate would increase to 4.125 %. This too was quite a surprise. However while I was speaking to XXXX I logged onto my online account with Specialized Loan Servicing and my most recent loan statement indicated that my existing rate on my loan was 4 %. I told this to XXXX who at first told me I was wrong then finally had to acknowledge I was correct. But I was very upset and about XXXX minutes later I called Specialized Loan Servicing and I spoke to a loan specialist who said her name was XXXX. XXXX told me that my credit report would not be marked late if I didnt pay back all my back payments while on forbearance on XX/XX/XXXX but insisted that the loan specialist that I spoke to on XX/XX/XXXX could never have told me that a deferral is automatic. She immediately checked the transcript of my conversation that I had with the loan specialist and acknowledged that the loan specialist did in fact indicate that the deferral was automatic. That said XXXX told me that this was incorrect and that my approval for a deferral depends on whether the investors who own my loan will approve the deferral. This seems in contradiction to the information listed on the Specialized Loan Servicing website which indicates that a deferral is one of the options for a borrower that has been in forbearance which is about to end. I am attaching a screenshot of this information that is on the website.

but then said in XXXX of XXXX the rate would increase to 4.125 %. This too was quite a surprise. However while I was speaking to XXXX I logged onto my online account with Specialized Loan Servicing and my most recent loan statement indicated that my existing rate on my loan was 4 %. I told this to XXXX who at first told me I was wrong then finally had to acknowledge I was correct. But I was very upset and about XXXX minutes later I called Specialized Loan Servicing and I spoke to a loan specialist who said her name was XXXX. XXXX told me that my credit report would not be marked late if I didnt pay back all my back payments while on forbearance on XX/XX/XXXX but insisted that the loan specialist that I spoke to on XX/XX/XXXX could never have told me that a deferral is automatic. She immediately checked the transcript of my conversation that I had with the loan specialist and acknowledged that the loan specialist did in fact indicate that the deferral was automatic. That said XXXX told me that this was incorrect and that my approval for a deferral depends on whether the investors who own my loan will approve the deferral. This seems in contradiction to the information listed on the Specialized Loan Servicing website which indicates that a deferral is one of the options for a borrower that has been in forbearance which is about to end. I am attaching a screenshot of this information that is on the website. has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to On W, and the most recent logged activity is On Wednesd, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, but then said in XXXX of XXXX the rate would increase to 4.125 %. This too was quite a surprise. However while I was speaking to XXXX I logged onto my online account with Specialized Loan Servicing and my most recent loan statement indicated that my existing rate on my loan was 4 %. I told this to XXXX who at first told me I was wrong then finally had to acknowledge I was correct. But I was very upset and about XXXX minutes later I called Specialized Loan Servicing and I spoke to a loan specialist who said her name was XXXX. XXXX told me that my credit report would not be marked late if I didnt pay back all my back payments while on forbearance on XX/XX/XXXX but insisted that the loan specialist that I spoke to on XX/XX/XXXX could never have told me that a deferral is automatic. She immediately checked the transcript of my conversation that I had with the loan specialist and acknowledged that the loan specialist did in fact indicate that the deferral was automatic. That said XXXX told me that this was incorrect and that my approval for a deferral depends on whether the investors who own my loan will approve the deferral. This seems in contradiction to the information listed on the Specialized Loan Servicing website which indicates that a deferral is one of the options for a borrower that has been in forbearance which is about to end. I am attaching a screenshot of this information that is on the website. reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "XX/XX/XXXX I called Specialized Loan Servicing with the intent to tell them that I would take the deferral plan. The person I spoke to was XXXX", and the single most common underlying issue is "and I quote Dont worry about your credit report".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating but then said in XXXX of XXXX the rate would increase to 4.125 %. This too was quite a surprise. However while I was speaking to XXXX I logged onto my online account with Specialized Loan Servicing and my most recent loan statement indicated that my existing rate on my loan was 4 %. I told this to XXXX who at first told me I was wrong then finally had to acknowledge I was correct. But I was very upset and about XXXX minutes later I called Specialized Loan Servicing and I spoke to a loan specialist who said her name was XXXX. XXXX told me that my credit report would not be marked late if I didnt pay back all my back payments while on forbearance on XX/XX/XXXX but insisted that the loan specialist that I spoke to on XX/XX/XXXX could never have told me that a deferral is automatic. She immediately checked the transcript of my conversation that I had with the loan specialist and acknowledged that the loan specialist did in fact indicate that the deferral was automatic. That said XXXX told me that this was incorrect and that my approval for a deferral depends on whether the investors who own my loan will approve the deferral. This seems in contradiction to the information listed on the Specialized Loan Servicing website which indicates that a deferral is one of the options for a borrower that has been in forbearance which is about to end. I am attaching a screenshot of this information that is on the website.: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.