Consumer complaint received 2020-03-22
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent a Notice of Error under 12 CFR 1024.35 and Notice of Complaint under Connecticut General Statutes 36a-719h to Specialized Loan Servicing, LLC,  NMLS # XXXX, XXXX. XXXX XXXX, XXXX, CO XXXX. I received a acknowledgement of receipt from them dated XX/XX/XXXX, which advised that my letter was under review and that a response would be issued within the applicable state/federal timeframes. To date, well over 30 days later, the servicer has failed to respond. Below is a copy of my letter : XX/XX/XXXX TO : Specialized Loan Servicing, LLC NMLS # XXXX XXXX. XXXX  XXXX XXXX, CO XXXX FROM : [ redacted ] Re : Notice of Error under 12 C.F.R. 1024.35 Notice of Complaint under Connecticut General Statutes 36a-719h Mortgage Loan Number / Account Number : [ redacted ] I am writing to provide you with written notice of the error described below in regard to the mortgage on my property at [ redacted ], and to request correction of the same. 

At some point on or after XX/XX/XXXX, your company incorrectly imposed a {$910.00} fee on my account, failed to notify me of the fee and the reason therefore, and the first I received any evidence of this fee was when you recently added it to my mortgage statement showing it as past due ( i.e. see Past Due Amounts - {$910.00} - statement dated XX/XX/XXXX ). I have repeatedly attempted to resolve this error over the phone with your representatives, who have confirmed that this is an improper charge. On XX/XX/XXXX, my daughter, authorized to speak on my behalf, was told that although this fee may be improper, there was nothing your company could do. This is completely unacceptable. I am additionally concerned that your company may have reported my account past due to the credit bureaus as a result of this error, which will need to be corrected. This fee is not a bona fide fee and there is no reasonable basis for its charge. I am also concerned that this may have been done to other Connecticut consumers in the transition from XXXX XXXX XXXX XXXX ( NMLS # XXXX ) to Specialized Loan Servicing, LLC. If this matter is not appropriately resolved, I will be filing the appropriate consumer complaints with the CFPB and Connecticut Department of Banking. 

In addition to providing written notification of error, I hereby additionally request copies of any and all documentation relating to this fee, including the original notice informing me of such fee, and a full accounting of my account on and after the date the fee was originally imposed. 

Please also consider your duties under Section 36a-719h of the Connecticut General Statutes in connection with your Connecticut Mortgage Servicing and Mortgage Lending licenses, with particular emphasis on subsection ( a ), subdivisions ( 1 ), ( 2 ) and ( 8 ). 

If you need to contact me, I can be reached at [ redacted ]. However, I would prefer that any communication regarding this matter be made in writing from this point forward. 

Sincerely, [ redacted ]

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