Consumer complaint received 2023-09-07
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
RESPONSE IS BALONEY AND XXXX  Response dated is fully baloney, XXXX and CFPB office must close its office by getting baloney response and closing the case. A formal request will be made chairman XXXX XXXX, XXXX XXXX of this and I will consider filing torte claim which also include defendants SLS once again. 
Its not true XXXX tried tried best resolve issues we did had long conversation. He had no excess to email of XX/XX/XXXX and he to send email to single point of contact on XX/XX/XXXX to call me its now XX/XX/XXXX no call has been received. 
XXXX on XXXX, XXXX on XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XX/XX/XXXX XXXX sent message for XXXX single point to call because all stated I should be talk to XXXX. 
I call her on the phone provide to call XXXX and it goes on voice mail message I have left unlimited message she has not returned phone call. 
I have been told by above listed staff XXXX has not been in the office and they have no idea when XXXX will come back. 
On XX/XX/XXXX I requested to replace single point of contact at below received confirmed email neither XXXX has been replaced, she has not returned my phone call and she does not answer my phone call BECAUSE SHE NOT BEEN AT WORK FOR LONG PERIOD OF TIME. 
Cease and deist XXXX XXXX not to call me I requested to cases and desist on XX/XX/XXXX because SLS would not cooperate with me. 
Since than I received a call from supervisor on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to name some of those. So its a lame excuse. 
Its XXXX  and baloney to state cease and deist is the reason XXXX can not call me but as I have been explained she not been in the office for past many months and there is and as stated, other will can not resolve issue. 
ITS FALES No attempt has been made to call me. I have received calls many times and to state some are XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX so on and I have photos of the calls and recoding XXXX Spoke with XXXX If stated she agreed with me escrow was accurately advise is {$350.00} when my XXXX XXXX is {$3300.00} divide by 12 months is {$270.00}. Its only mentally sick person would say {$350.00}. Letter sent to me on XX/XX/XXXX, call from XXXX XXXX, CFPB response XX/XX/XXXX states SLS HAS DETERMINE THAT HOMEOWNERS INSURANCE WAS INADVERTENTLY ADDED. 
CFPB is only aiding and abetting violation in one may other complaint filed with CFPB SLS respond only {$1600.00} escrow was taken out while as attachment provided in my complain that I spoke with superior shows $ XXXX ITS TOTALLY BALONEY AND XXXX  TO STATE XXXX LOAN MODIFICATION WITH {$350.00} ESCROW WILL NOT BE CHANGE. 
XXXX are XXXX emails confirmation. 
Its again in total baloney tio state SLS has no records but the email confoirms this. 
Confirmation One XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX The attachments you have sent have been received and can be processed. If you have any questions, please call XXXX. Please do not reply back to this e-mail as this is from an automated, unattended e-mail account, and your reply will not be received. 
Confirmation XXXX # NA SLS Customer Support XXXX To : XXXX!! 
Thu, XX/XX/XXXX at XXXXXXXX XXXX Your email has been received and is currently under review. It will be forwarded to the appropriate department for handling. 
BANKRUPTCY NOTICE- IF YOU ARE A CUSTOMER IN BANKRUPTCY OR A CUSTOMER WHO HAS RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT : PLEASE BE ADVISED THAT THIS NOTICE IS TO ADVISE YOU OF THE STATUS OF YOUR MORTGAGE LOAN. THIS NOTICE CONSTITUTES NEITHER A DEMAND FOR PAYMENT NOR A NOTICE OF PERSONAL LIABILITY TO ANY RECIPIENT HEREOF, WHO MIGHT HAVE RECEIVED A DISCHARGE OF SUCH DEBT IN ACCORDANCE WITH APPLICABLE BANKRUPTCY LAWS OR WHO MIGHT BE SUBJECT TO THE AUTOMATIC STAY OF SECTION 362 OF THE UNITED STATES BANKRUPTCY CODE. HOWEVER, IT MAY BE A NOTICE OF POSSIBLE ENFORCEMENT OF THE LIEN AGAINST THE COLLATERAL PROPERTY, WHICH HAS NOT BEEN DISCHARGED IN YOUR BANKRUPTCY. IF YOU HAVE ANY QUESTIONS PLEASE CONTACT OUR CUSTOMER CARE CENTER AT XXXX. 

Confirmation XXXX Thank you for your email XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX Please do not reply back to this E-mail as this is from an automated, unattended E-mail account, and your reply will not be received. 

Confirmation XXXX RE : Clarification of loan modification and interim dispute XXXX XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXXXXXX XXXX Your email has been received and is currently under review. It will be forwarded to the appropriate department for handling. Please note that responses will not be sent directly from this mailbox. If you need any further assistance, please contact Customer Care toll free at XXXX Monday through Friday, Monday through Friday, XXXXXXXX XXXX. until XXXXXXXX XXXX XXXX. We accept calls from relay services on behalf of hearing impaired borrowers. 

Notices of Error and Requests for Information ( Including Qualified Written Requests ) Must be submitted in writing to : Specialized Loan Servicing LLC XXXX XXXX XXXX XXXX, XXXX XXXX BANKRUPTCY NOTICE- IF YOU ARE A CUSTOMER IN BANKRUPTCY OR A CUSTOMER WHO HAS RECEIVED A BANKRUPTCY DISCHARGE OF THIS DEBT : PLEASE BE ADVISED THAT THIS NOTICE IS TO ADVISE YOU OF THE STATUS OF YOUR MORTGAGE LOAN. THIS NOTICE CONSTITUTES NEITHER A DEMAND FOR PAYMENT NOR A NOTICE OF PERSONAL LIABILITY TO ANY RECIPIENT HEREOF, WHO MIGHT HAVE RECEIVED A DISCHARGE OF SUCH DEBT IN ACCORDANCE WITH APPLICABLE BANKRUPTCY LAWS OR WHO MIGHT BE SUBJECT TO THE AUTOMATIC STAY OF SECTION 362 OF THE UNITED STATES BANKRUPTCY CODE. HOWEVER, IT MAY BE A NOTICE OF POSSIBLE ENFORCEMENT OF THE LIEN AGAINST THE COLLATERAL PROPERTY, WHICH HAS NOT BEEN DISCHARGED IN YOUR BANKRUPTCY. IF YOU HAVE ANY QUESTIONS PLEASE CONTACT OUR CUSTOMER CARE CENTER AT XXXX.

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