Consumer complaint received 2023-10-20
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I applied for and was approved for save the dream ( haf ) in XX/XX/XXXX. I applied in XXXX at which time I was 2 months behind. By the time I was approved, I was 5 months behind so rather than pay 5 months, XXXX paid just the amount showing on the application as being late, not the amount late after the application was finally processed. I provided XXXX the requested documents to show this on 3 occasions and according to SLS mortgage their one Haf guy did as well. Subsequent monthly payments were sent starting in XXXX as well. As of XX/XX/XXXX, none of those payments were posted yet. None! I was called every 3 days, sent foreclosure papers twice and in XXXX I had storm damage to my home and my insurance issues the check to me and SLS mortgage. {$28000.00} to fix a massive hole in my roof and all the siding because there was no wrap beneath the siding. Yet again, because they had no information about HAF being applied on my account, they refused to release the check even though Id already had a contractor order items. During the 5 weeks I spent hours on the phone, my roof leaked into my home and destroyed my upstairs flooring ( my expense ) and once siding was gone on part of my house, the wood was getting wet and I had to pay for XXXX sheets of wood that rotted. They finally posted the initial back funds ( short the 3 months they say they requested in XXXX & XXXX ). Meanwhile the forebearance ended and I was denied anything more than the 6 months I used. It took them nearly 2 months to post each monthly payment and I got calls every 3 days and even recently got a foreclosure notice ) and as of XXXX I was to pay again. I did. But because I was supposedly late ( those 3 payments still missing somewhere between SLS and Save the dream plus my mortgage went up {$30.00} so they didnt request that from XXXX either even though I sent it to both ). Because Im noted as being late, Im locked out of paying online so I was forced to call and be berated for being 90 days past due. I said and recorder ( and they confirmed in their recording ) that I was paying XXXX. That night my account was overdrawn bc they took 4 payments out of my bank account. I had to stop payment. No one EVER answers at STD so getting help there is futile and I cant talk to anyone in the HAF area at SLS and now Today- I get a message SLS reported me as 90 days late to all the credit bureaus. My score went from XXXX to XXXX almost XXXX points! I already got a notice my car/homeowners insurance will be cancelled and Im sure the job I was applying for wont hire me either. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the harassment, the misinformation, the lack of help- now theyve ruined my credit. I literally have nothing now all because SLS cant process HAF correctly. They didnt even allow me to do forebearance while on HAF more than 6 months even though its their fault they arent keeping up with the requirements outlined in the Treasury HAF guidelines. I want this resolved and I want the negative information removed immediately from my credit report. My beloved support XXXX XXXX was diagnosed with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SLS and Save the dream are absolute nightmares!

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