Mortgages
Specialized Loan Servicing: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 71
- Closed with money back
- 0
- 2023 to 2025
- 50 to 0
Specialized Loan Servicing received 988 complaints from everyone in the window; 71 carried the servicemember tag. The complaints are mostly about mortgage, and the single most common issue is "Trouble during payment process". 0 of the 71 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. The yearly count fell from 50 in 2023 to 0 in 2025.
What the complaints are about
By product
| Mortgage | 62 |
| Debt collection | 5 |
| Credit reporting, credit repair services, or other personal consumer reports | 3 |
| Money transfer, virtual currency, or money service | 1 |
By issue
| Trouble during payment process | 41 |
| Struggling to pay mortgage | 16 |
| Closing on a mortgage | 3 |
| Applying for a mortgage or refinancing an existing mortgage | 2 |
| Took or threatened to take negative or legal action | 2 |
| 2023: 50 | 2024: 21 | 2025: 0 |
Which accounts, specifically
| Conventional home mortgage | 63 |
| Home equity loan or line of credit (HELOC) | 14 |
| Other type of mortgage | 9 |
| FHA mortgage | 6 |
| Credit reporting | 4 |
What went wrong, specifically
| Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure | 10 |
| Foreclosure | 9 |
| Payment process | 9 |
| Trying to communicate with the company to fix an issue while managing or servicing your loan | 8 |
| Fees charged | 3 |
Busiest month: March 2023, with 11 servicemember complaints. Most were submitted by web.
Most complaints came from VA (8), CA (5), FL (5) , then GA, OH, CT.
How Specialized Loan Servicing answered
| Closed with explanation | 71 |
Specialized Loan Servicing responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (70). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
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Mortgage; Struggling to pay mortgage. OH, 2024-07-02. Outcome: Closed with explanation. Complaint 9407461
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Mortgage; Trouble during payment process. MN, 2024-06-18. Outcome: Closed with explanation. Complaint 9288303
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Mortgage; Trouble during payment process. GA, 2024-06-07. Outcome: Closed with explanation. Complaint 9211642
If this is your problem at Specialized Loan Servicing
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page.
Compare with mortgages peers
- Dovenmuehle Mortgage 76 servicemember complaints; 0 with money back
- Cmg Financial Services 65 servicemember complaints; 0 with money back
- Mortgage Solutions Of Colorado 80 servicemember complaints; 0 with money back
- Amerisave Mortgage 54 servicemember complaints; 7 with money back
- RoundPoint Mortgage Servicing 50 servicemember complaints; 0 with money back
Next in the directory by volume: Carvana, Advanced Resolution Services, Prosper Marketplace.
Frequently asked questions
How many complaints did servicemembers file against Specialized Loan Servicing?
71 complaints tagged servicemember were received by the CFPB about Specialized Loan Servicing Holdings LLC between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count fell from 50 in 2023 to 0 in 2025.
What do servicemembers complain about most at Specialized Loan Servicing?
Mortgage accounts for 62 of the 71 complaints, and the most common issue is "Trouble during payment process" (41). Next: "Struggling to pay mortgage" (16).
Does Specialized Loan Servicing give money back when a servicemember complains?
0 of the 71 closed with money back. The count is too small for a reliable percentage, so compare it with the 2% rate across all 349 companies only loosely. 0 closed with non-monetary relief and 71 closed with an explanation only. Specialized Loan Servicing answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.