Silver Hill Capital Reviews

Stop calling me! Called from different numbers. Block the numbers and they still call. When I ask how they got my cell number phone number they give a different answer. It is getting really like harassment. Never contacted them or anyone for a loan.

Back on May 14th, 2024 I was notified by Equifax and Transunion that my credit score dropped 39 points because Community Loan Serving reported to them that I was 150 days late in May, June and July of 2018 but ironically I was not with CLS, I was with Bayview Loan and these three payments were my three trail payments of a loan modification I was in the middle of with Bayview Loan and I have a confirmation # that I paid all three well in advance of their due date, so I’d love to know where my money went? In October of 2019 my loan was transferred from Bayview Loan to BofA and I have been with them ever since with an excellent payment history. Needless to say I am beyond disappointed and taking further action and getting a lawyer.

We were sent a notice that about updating our insurance. We emailed the information in, got a reply the email was invalid from the letter we received, searched the site. Came up with another email, sent the information in, left numerous messages for our direct contact Ramses, never got a call back. Sent numerous emails from their Submit Here form. No reply back. Their phone number extensions go nowhere and consistently disconnect the line. Now they are charging us an insane amount for coverage we already have! We even tried calling the insurance claim number in Michigan...Sorry this number doesn't exist! This company is a mess. Maybe now I'll get a reply.

Thank you for the quick resolution to the issues.

Update Ms. Cheryl ** helped me send the check as soon as I sent her an email, thank you so much.

Worst servicing provider.. I need it my password reset.. You have to call their customer service. To my surprise I press every single option and tell me that they are not available but but in every single department it keeps telling me to call Neil? I even try to reach someone in the Spanish department and it the machine tell me that Neil is unavailable. Is Neil the only person that runs that servicing company...I understand to start small but for something so serious as my mortgage I would like to have a choice to speak to more than one person.

Thank you for the prompt resolution to this issue. Our family appreciates you for your help.

Community Loan takes long to answer my call or return my call. They send letters out stating that we need to reach out to them as soon as possible. If not, we can lose our home but when we called, they never answered. We did emails, but they never really respond. We have to wait on the line for hours. Sometimes, the phone just drops. We finally got someone and it was very brief. We tried to get ahold of them again and it was the same thing.

The customer service people were friendly. But I just got a bill in the mail that's $2,000 more than what we had discussed. I asked if there were going to be any additional fees I needed to be aware of so I could prep for that payment. I was told that there would just be a monthly payment. Now, I'm sitting with a bill that's a whole lot more than what they quoted me. That's a little bit unnerving. Other than that, the terms are fair. They just need to be more detailed when giving explanations so that people are fully prepared for payments that are coming their way.

This is one of the worst servicing companies I have ever worked with. I work as a commercial lender and also invest my personal money into real estate, so have a lot of experience with loan servicing. Community Loan Servicing may be one of the worst servicers I have seen, and I have worked with some fairly bad ones. They failed to pay my flood insurance after I repeatedly called them for over 2 months. They kept telling me that the insurance premium was paid, and I believed them the first 2 calls. Then after following up with the insurance company they kept reiterating that the premium had NOT been paid by Community Loan Servicing. Therefore, I kept calling Community Loan Servicing to ask for a proof of payment. Again they said they would send me the proof of payment right away, but it never showed up.

Community Loan Servicing’s service was good but I always had difficulty logging in to the website. I had a dream I'd be able to log in without trouble and I never have. But the people were very good. The reps did their best. How long the process takes depend on the cases and transferring me to different places. But it’s within a reasonable time.

My experience with Community Loan Servicing has been fine.

I've had a good experience with Community Loan Servicing. I was going through a modification and right in the middle of my modification was when Community took over. We finished that up then we went right into pandemic, which worked out in my favor. They've been nothing but kind. I wanted to write the president a note saying how generous they were as a single person trying to make all these ends meet. The problem with me was in my condo, they also hit us up with a $12,000 special assessment. When I started here, they were 200 to 500, and now they're almost 800. It happened the same time between not working and getting that hit up. It worked out in my favor because Community Loan Servicing was so kind about me putting my mortgage on the back end.

I purchased a 4th house for a rental before my wife and I went on our church mission. For the past 10 years my mortgages were on auto pay with additional money going to principal. Which is why I could go on a mission early, I had 3 debt-free rental properties. Since this was a new loan it was not paid off before leaving on mission. We once again were on auto pay, the loan was sold to Community Loan Servicing. Everything including autopay was supposed to stay, (nothing would change). Wrong, the auto pay fell off and their crappy service would NOT allow me to put it back on auto pay. So my payment was late, the first thing they did was ding my credit. I wrote a letter and even called customer service, NOPE the lady was even rude and almost proud about the fact they ding my credit. 10 years no late mortgage payment until Community Loan Servicing. I would actually MORE money to change who serviced my loan at this point.

It's been good so far with the reps. The only hiccup was that they didn't get my flood insurance transferred over, so I hope they didn't charge me.

I have been on forbearance because of the pandemic and now that I'm trying to work something out to get my mortgage back on track all I get is the run-a-round. I have been working with them since November 2021 and have filled out all necessary paperwork. After months of waiting was denied because they said I needed a document but I never heard from them until the denial. Now going through the process all over again I now have been denied saying I lack a document that I sent them in March! Getting fed up and the person I have been assigned to I don't think exist because she has a generic phone number and never answers emails. I have been trying to reach her since January.

Community Loan Servicing handled every situation or problem that came up such as questions about the escrow account and about the increase in the payments. I have been doing business with them for almost two years now and they're always very responsive. The representatives take their time to look into the history of things and the notes, and they help me figure it out. However, I thought our agreement was a 40-year loan. Now, I understand it is a 50-year loan. There are also some things that I can't understand, like why my loan never decreases. When you pay in, you expect the movement of your principal to go down. But that has not occurred.

Community Loan Servicing acquired my Bayview Lending account, and I have a mortgage arrangement with them. They've been providing information ahead of time. They made the COVID Assistance components available to me based on my needs. So, I've been good with them. The different persons who go into my account appear to cover the information thoroughly before they look at my present situation. They appear to be professional in their approaches, and I'm not having any problems with getting my situation updated. Unfortunately, it's been changing quite a bit due to these last couple of years.

My experience with Community Loan Servicing has been great. During this pandemic, they've been very helpful, very patient and understanding. They do a great job with communication. The website is very easy to use, too.

I was a client of JP Morgan Chase and I had taken my mortgage out with them. After seven years or so, my mortgage was transferred to Bayview which is now Community Loan, and working with them has been the most insulting experience. Their customer service is less than satisfactory. The way they treat their customers, based on my experience, is degrading. Unfortunately, for those of us who are with Community Loan, in many cases, we may have had financial challenges. Our credit rating is not such that we can easily move to another provider. So, we are the ones who kind of like get the brown end of the stick because we’re already at the bottom of the barrel.

I'm comfortable with them. Working with the reps has been okay. But there could be some improvements on customer friendly dialogue and ease of navigating through the website. I need to navigate through their websites a little easier to get my tax papers and dialogue with them.

Community Loan's customer service did a thing on my loan. The person was very nice and got to the point. He found out about my modification for me. The last couple of times I’ve talked to someone, the experience was the best. It was easy. I could hear and understand them, and they were very helpful.

Everything was answered the way I needed it to be answered.

So far, everything was good with my experience with Community Loan. I called them about what was the requirement or what needs to be done to get the home from out of my father's name into mine since I'm the primary person to pay the note and I live in the home. They answered my questions and they explained everything. They have good support.

The people from Community Loan Servicing answer the questions I have and they take my payment, and that's all I need. They're not pushing me to do anything, and they're not evil. They're not rude. I don’t have a problem with them but I don't like the company because they don’t refinance. I feel that if you're a company, you should be able to refinance the loan. My loan is ridiculous. 14% interest is horrible. There's no lowering of the interest rate. The interest rate is inhuman. Nobody can help me unless I try to get a loan somewhere else. Community Loan just collects the money.

It’s been a good experience with Community Loan Servicing. They send me a statement every month.

I get paid on the last working day of the month and Community Loan has got it to where they say I’m always a month behind. They don’t have that in the proper perspective for those of us who get paid once a month. But other than that, they’re not a bad loan company, although it took a while to figure out making my payment online. It took a while to get the system to let me in and accept the payment.

Hello, my name is David **, my loan has been sold to Community Loan Servicing, my experience with them has been very bad, the worst and I still have that bad experience, it has been more than 5 months since I bought my property, I have not yet been able to register my loans due to failures of the page where it says that it does not find my information. When I call customer service the operator is terrible, it does not understand what I write with my keyboard, sometimes I pay online and the operator starts from the beginning. Once I did my payment with the operator and everything had been fine when I looked at the payment days later it was late I tell it because it had not worked well. I do not recommend this bank for any loan that I am going to ask for to buy property.

Any time I called them with an issue, they took care of it. They had great customer service. When I did a web payment, it showed two payments even though I made one and they corrected it.

My experience with them has been good. Making payments has been simple enough given that, transferring a loan from one to the other company doesn't always happen timely. But everything was properly caught up. For my complication, it was at the exact same month I was changing which bank account I'm paying from and to anyway. That part wasn't their problem, it was mine.

My loan was sold to Community Loan Servicing and I was trying to make a payment but I was unable to do it. I listened to their automated response and it told me to go online. So, I did and filled out all the information. But because it hadn't been set up yet, it wouldn't let me into their portal. So, it was frustrating for a couple of weeks because I was trying to make a payment and it wasn't going too well. I called once and the representative said that nothing can happen until they set it up. I said okay and I quit calling. I think it has been resolved but I am part of the problem. I live in Virginia and Michigan, and I'm currently in San Diego. So, if anything came in the mail, it hasn't gotten to me yet. When we get things set up, I'm gonna pay the loan off. I don't like that they've put something on their website or in their messaging that said that if I don't have a number from them yet, I should standby because I can't do anything until they make a number for me.

There were some hiccups with the initial paperwork flow where things didn't happen quite as quickly as my wife expected, particularly the idea of welcome packages. The “Here's how to contact us and here's how to set things up” were slower off the mark than my wife was expecting. There was a month or so where we had to mail paper checks to the company rather than already have auto pay set up. I’d like their process of loan setup and initial interaction with the customer to happen more quickly and cleanly than it did because my wife should not have had to reach out to them. They should have been reaching out to us. And in this day and age, they should have given us the opportunity for and all the instructions for auto pay right off the bat.

My experience with their agent was fine and I have always been satisfied with Community Loan Servicing.

The last rep I talked to was pretty nice. She explained what needs to be done and showed us the forbearance plan and stuff like that. Also, she had a solution for everything I asked. She told me to hold on, which I didn't mind at all, and did a lot of searching. She broke everything down for me and put more effort out to help me. I appreciate it. So far, the experience with Community Loan Servicing was pretty good, although they could give more instructions when they send paperwork to sign. I was kind of lost what was going on.

The young lady that helped me a couple of weeks ago was very helpful. She even went so far as to text or email one of the supervisors because there was a question I had, and she wasn't quite sure how to answer it. She went above the call of duty to do that for me. I'm feeling really good about Community Loan Servicing.

At first, Community Loan Servicing sent a letter and I was kinda mixed up with it then. After that, I just called in and did what I had to do. They were nice about it. During the pandemic, the customer service called to see if we needed any help. Even now, they ask if we need any help as far as anything that we have to do.

I got on a schedule where Community Loan Servicing makes a partial payment like half of it every two weeks because I wanted to get ahead. Each year, I have an extra payment. So, their rep told me the process. He said, "Because you're caught up. So your next one's not even due till January." What we did was he took me off the automated one for now. Then this month, I'm just going to call Community and make a payment and tell them, “I want that 100% on principal,” and then we'll get it back on the every other week for January because I like to stay ahead.

I called to talk about my account and it was difficult to get through to talk to anybody. It took about 30 to 40 minutes. But the customer service was good.

Community Loan deducted two payments of $1148.68 from my bank account on 11/29/21 which resulted in an overdraft on my account. I have been trying to speak to an actual person to get this resolved and a refund processed most of the day. I have attempted to call 4 times in the past 3 hours! After holding for 20 minutes, I was disconnected 3 times! I finally reached a woman named Time who said she would transfer me to a Specialty Agent so I could get this resolved. I need this money to pay bills!! The phone number gave me was wrong! I then called again, held for over 29 minutes and spoke to another woman named "Briana". She was very nice but gave me the phone number for the HELP DESK, I then tried to call back and got 3 different recordings and when I FINALLY reached a person (CAD) after holding for 52 MINUTES. Not 5 minutes, not 20 minutes but an hour!

When I was getting closer, making a decision whether I was going to pay it off or let it go, I would call and talk to them and they were wishy-washy. There were a lot of communication problems with the other person on the other line. Whether they were Latino or Indian, I just couldn't understand what they were saying.