Consumer complaint received 2023-09-08
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX DC XXXX REF : XXXX  # XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Dear Representative, I am reaching out because I need some sort of assistance from the Consumer Financial Protection Bureau concerning my dispute with Specialized Loan Servicing, ( XXXX ). XXXX has consistently demonstrated to be a corrupt, dishonest, deceptive, and irresponsible entity. XXXX engages in deceptive tactics to purposely and intentionally create accounting errors to allege escrow account shortages by making illegitimate payments to the wrong County Appraisal Tax Authorities. This deceptive scheme serves its purpose to extract additional funds from its customers and consumers as well as to promote confusion. 

Background of my dispute In XX/XX/XXXX, XXXX issued XXXX checks for property taxes and MUD water district taxes in the following amounts : {$3900.00} and {$1800.00} to the wrong XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. 
In XX/XX/XXXX, XXXX claimed to be issued a payment to XXXX XXXX XXXX for {$2400.00}. However, in XX/XX/XXXX, XXXX days later, I contacted XXXX XXXX XXXX XXXX to inquire about this XX/XX/XXXX payment, but XXXX XXXX XXXX could not locate it, which I provided the account payment history given to me by XXXX XXXX. 
In XX/XX/XXXX, I wrote a letter to XXXX requesting a copy of the tax notice and a copy of the check. So, XXXX plus days later, XXXX seems to be reluctant to provide any evidence of this XX/XX/XXXX payment made to XXXX XXXX XXXX XXXX 



I am getting frustrated by SLS incompetence, dishonesty, its deceptive practices, and sloppiness. Therefore, I would really appreciate it if the Consumer Financial Protection Bureau helps me find an amicable solution by submitting this dispute to mediation. 

I am a XXXX XXXX, and I am getting sick and tired of discovering errors, and all these illegitimate payments made from my mortgage escrow account. Also, it is getting exhausting dealing with this corrupt, dishonest, deceptive, and irresponsible entity. Consequently, I plead for this agencys help so that I can recover the sanity and peace of mind that I used to have with XXXX XXXX XXXX XXXX. Since XX/XX/XXXX, when XXXX acquired my mortgage note from XXXX XXXX XXXX XXXX  has been a constant ordeal, nightmares, and annoyances. 

Resolution to solve the dispute Mediation. 

Finally, I profoundly encourage the Consumer Financial Protection Bureau to investigate the overwhelming number of complaints filed against Specialized Loan Servicing with the Better Business Bureau. I believe that XXXX XXXX plus complaints seem to be an indication that XXXX is a shady and dishonest mortgage servicing company. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX 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