Consumer complaint received 2020-02-04
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Complaint regarding : Specialized Loan Servicing LLC Mortgage Servicer : Specialized Loan Servicing LLC XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, CO XXXX Attn : Mortgage Loan Accounting Department Re : Specialized Loan Servicing LLC Loan Account No. XXXX ( f/n/a XXXX  XXXX XXXX, XXXX  Loan Account No. XXXX XXXX XXXX ) We are filing this complaint to seek remedy for violations of law including but not limited to Regulation X and Regulation Z committed by Specialized Loan Servicing LLC by failing to : 1. respond to our qualified written request ( 12 CFR 1024 ) 2. provide paper or electronic mortgage statements ( 12 CFR 1026.41 ) ; ( 12 CFR 2605 ) 3. provide online access to our mortgage account ( 12 CFR 1026.41 ) ; ( 12 CFR 2605 ) 4. file  a change of payment or amount due documents in the Chapter XXXX case On XX/XX/XXXX, we sent Specialized Loan Servicing LLC a qualified written request pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ) ( See also 12 CFR 1024.36, 12 CFR 1026.41 Regulation Z and FRBP Rule 3002.1 ) was sent to Specialized Loan Servicing LLC and remains unanswered to present date. ( see attached Exhibit A XX/XX/XXXX qualified written request to Specialized Loan Servicing LLC ) Prior to our qualified written request, on XX/XX/XXXX, we filed Chapter XXXX Bankruptcy known as Case XXXX XXXX At the time of filing our Chapter XXXX Bankruptcy case, we were not late on any payments and did not have any arrears on any mortgage payments. At the time of filing our Chapter XXXX Bankruptcy case, we did not include any mortgages in our Chapter XXXX plan and remained responsible for making our mortgage payments outside of the bankruptcy case. 
On XX/XX/XXXX, Specialized Loan Servicing LLC mailed us a notice of transfer of mortgage loan servicing. 

On XX/XX/XXXX, Specialized Loan Servicing LLCs  Agent filed in our Chapter XXXX Bankruptcy Case XXXX XXXX a TRANSFER OF CLAIM OTHER THAN FOR SECURITY providing an address where Specialized Loan Servicing LLC should be notified of filings. 

On XX/XX/XXXX, we were sent a notice regarding the sale of our mortgage or Home Equity Line of Credit which re-identified Specialized Loan Servicing LLC as the servicer of the loan. 

On XX/XX/XXXX, we sent Specialized Loan Servicing LLC a qualified written request pursuant to the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ) ( See also 12 CFR 1024.36, 12 CFR 1026.41 Regulation Z and FRBP Rule 3002.1 ) was sent to Specialized Loan Servicing LLC and remains unanswered to present date. ( see attached XX/XX/XXXX qualified written request to Specialized Loan Servicing LLC ) Although Specialized Loan Servicing LLC has filed into our Chapter XXXX Bankruptcy Case XXXX XXXX, Specialized Loan Servicing LLC has not filed any required notice of payment change or other documents regarding our mortgage payment. 

To present date, Specialized Loan Servicing LLC has not provided us any paper or electronic mortgage statements. To present date, Specialized Loan Servicing LLC has not provided us online access to our mortgage account. To present date, Specialized Loan Servicing LLC has not responded to our XX/XX/XXXX qualified written request. 

Although we have not been provided mortgage loan statements, we remain current with all mortgage payments as the records of our electronic payment submissions evidence. ( See attached Exhibit B XX/XX/XXXX Mortgage Payment and Exhibit C XX/XX/XXXX Mortgage Payment ) Accordingly, to prevent further damage and undue hardship, we ask that you remedy this matter in an expeditious manner.

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