Consumer complaint received 2021-01-08
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have specialized loan servicing loan handling my mortgage my loan was given to them by XXXX XXXX about XX/XX/XXXX. For the last 5 years I have had nothing but problems with them since I XXXXXX/XX/XXXX to my daughter on XX/XX/XXXX. I had a XXXX after I gave XX/XX/XXXX to her due to XXXX and I fell behind on my mortgage And XXXX XXXX refuse to Help me modify my loan. So it been a nightmare. I sent in all the right documents.They told me I didnt have enough income.Which I did have enough income I made good money working for XXXX XXXX XXXX XXXX at the time.so my home was up for foreclosure then I hade to hire an attorney to file bankrupt. Due to XX/XX/XXXXI got XX/XX/XXXX along with my XXXX year old daughter.I got hired at XXXX XXXX XXXX XXXX due to schools being closed down I was unable to keep up with the expensive trustee payments.with my income being reduced. So my case was dismissed. Because I was XXXX  Due toXX/XX/XXXX along with my XXXX year old daughter after the XXXX  XXXX left her with not being able to XXXX or XXXX XXXX she now needs to have a procedure done at XXXX  this month in XX/XX/XXXX To see if they can get her back to eating again. I found out about the special forbearance due to covid 19. I called Specialized Loan Servicing and request to be placed the Special Forbearance due to covid 19 around XX/XX/XXXX I was told I couldnt apply for the special forbearance online thru their website because I was in a chapterXXXX and I dont have access to their website because I was in a chapter XXXX so I had to apply over the phone with a representative so I applied over the phone. I was told it had to be reviewed and I will get a letter in the mail stating if it was accepted or not. I never received a letter of the terms Or if it was accepted so I called in to specialized loan and I was told it was accepted. I asked for a copy of the terms they never sent me a copy to this day I Asked for it 3 times already. My mortgage at the time was on the sheriff sales list Specialized loans never moved it off the list or changed the the sheriff sale date with the court or let the court know I was on the special forbearance due to covid 19. My county I live had a eviction moratorium Due to covid 19 to the date was changed then because of that. Not from specialized loan servicing changing the sale date. Specialized loan Servicing refused to adhere to the Cares Act and FHA Special Forbearance due to Covid 19 guidelines. I called FHA in XXXX XXXXto let them know of the problems I was having with this company and FHA called specialized loan servicing themselves and told them to take my home off of the sheriff sales list because I was eligible for this program and specialized loan told them I was placed on the special forbearance until XX/XX/XXXX And if I wanted to request another extension on the special forbearance I could if I wanted to and they would update the court documents. Specialized Loan serving never updated anything and my home is still up for sheriff sale on XXXX called Specialized Loan back on Monday and they said my home was not going to be sold on XX/XX/XXXX that they sent over to their Attorney XX/XX/XXXXXXXX on XX/XX/XXXX to update Put my mortgage on hold to XX/XX/XXXX. I called their attorney XX/XX/XXXX spoke with one of the girls that handles the Pennsylvania files she said shes working remotely and she said she was waiting until the court in my area change the date again because they were doing it due to the eviction moratorium in this county their attorney said they were going to wait until the day before the sheriff sale to change the date if the Court dont change it.I think this mortgage Company is horrible not only am I XX/XX/XXXXwith XX/XX/XXXX XX/XX/XXXXbut Im also going thru a lot with my XXXX XXXX XXXX with XX/XX/XXXXand scared and worried about her XXXX  and having to get XXXX soon. Im going thru so much and they are horrible. I want my mortgage transferred to a mortgage company that can help me and help me get my mortgage back on track. I spent thousands of dollars on attorneys fees this mortgage company is not trying to help me out they are trying to take my home

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