Consumer complaint received 2016-11-06
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Thank you for helping me. I received a notice that my mortgage payment was going to increase in XXXX XXXX to {$4500.00} from {$2200.00}. I called SLS that same day XXXX XXXX and they told me my new payment would be increasing in XXXX. I told them that there was no way I would be able to afford that payment. I am a single working mom of XXXX young children. I bought my home in XXXX with the father of my children. In XXXX I left their father due to his abuse to the kids and me. He demanded that I buy him out of the home loan so I was sold the loan that I have now, interest only. My income has come down since XXXX so I live a very conservative life so that I can make my house payment and bills on time. That same day, XXXX XXXX I submitted the completed modication application and sent it in along with all requested documentation. As their instructions stated I faxed the documents in XXXX set pages. I received confirmation of all XXXX sets of faxes. On the next day I called to confirm their receipt, and they did not receive it. I called the day after and they said they did receive it but the package was incomplete. I told them that I had confirmation of all pages being received ( the # of pages shows on the fax receipt ). They told me they needed me to refax the entire applications, bank states that showed the {$100.00} child support and becuase I did not circle the child support on the bankstatement it was not complete I told them that the directions did not say to circle the amounts that I did that on my own to help make it clear, and they told me it did n't matter I had to circle and refax. I also had to refax the XXXX. I told them that the instructions stated that the XXXX was for " self-employed '' people and that I was not self employed so I completed the XXXX XXXX. They said that I was wrong and that my file would not be looked at until they received the correct XXXX along with the other documents. They also told me again, " It does n't matter they do n't have the right XXXX so do it again ''. Their instructions clearly state that the XXXX is for self-emplyed. I did as they asked and refaxed all documents. When I called today XXXX XXXX to see if they received the faxed documents again the rep, XXXX was extremely insentive. He told me that they did not log in documents on Saturday and that only XXXX people him and someone else was working. 
I am begging for a reasonable mortgage payment. Increasing my payment to more than double is not reasonable. I save during the year to pay my property taxes, the bank did not allow me to have them added to my payments. I have worked at my job for 16 years, I am a responsible parent and cosumer and I have never even been late making my house payment. I just need help with SLS giving me a reasonable house payment. My kids and I feel very safe in our neighborhood even though we do not have family that lives close to us. I am cooperating with SLS and I am pleading that they give me a reasonable payment so that I can keep my home for me and my kids. I ask that you please help me. Thank you.

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