Consumer complaint received 2019-03-28
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have written Specialized Loan Servicing twice on XX/XX/XXXX and XX/XX/XXXX they have not responded back as of XX/XX/XXXX. 
I would like to dispute the following charges as to what I owe towards my mortgage from Specialized Loan Servicing. As of XX/XX/XXXX I received a letter from Specialized Loan Servicing informing me of their Notice of Default and Notice of intent to foreclose. The letter goes to say that I owe {$3400.00} and that I have 33 days from the date of this letter to cure the default. So I had until XX/XX/XXXX to pay $ XXXX.Even though the letter that I received said that I had 33 days to pay the {$3400.00}, I was continuously charged. From XX/XX/XXXX through XXXX XXXX I was charged another {$3000.00}. So on XXXX XXXX the same day I received the letter I was charged a {$1000.00} for property preserve abandonment, even though the property was not abandoned. I have never not live at the property. Then on XXXX XXXX I was charged another {$1000.00} for property preserve abandonment. So within 21 days I was charged {$2000.00} for property preserve abandonment and on XXXX XXXX I was charged another {$1000.00} for Fee collection expense advance and On XXXX XXXX I was charge again for {$75.00} for property preserve abandonment. So in a matter of 26 days I was charged {$3000.00} but I received a letter stating that I had 33 days from XXXX XXXX which would be XXXX XXXX think these are illegal fees added on to my account and I have already sent this to the Department of Banking and Insurance . Also on XX/XX/XXXX I made and online payment in the amount of XXXX. I called the customer service agent from Specialized Loan Servicing to confirm my payment and I told them that it was a mistake on my mortgage bill. I spoke to a customer service agent name XXXX. I told XXXX that I missed the following mortgage payment XXXX, XXXX and, XXXX, but I just paid XXXX and XXXX. She put me on hold and checked with her supervisor and told me that it was a mistake and that I was charged a {$1000.00} by mistake and that would be taken off. I now know that I was charged {$3000.00}. I ask her if this call would be recorded and she said yes. This was on XX/XX/XXXX. She told me that all I owed was {$1700.00} for the month of XXXX. I called Specialized Loan Servicing on XX/XX/XXXX and I spoke to the customer service agent name XXXX her ID # XXXX I inorm her that the {$1000.00} dollar was still not taken off the mortgage and she said she did not know why it was not taken off yet but she said she would put in another ticket and it would be off in a few days. She also said that the call would be recorded. Then I called Specialized Loan Servicing on XX/XX/XXXX to find out the status of my previous calls and I spoke to Customer service agent XXXX ID # XXXX and he told me that there was no mistake and that charges would not be coming off and I ask to speak to a supervisor which XXXX refuses to allow me to speak to a supervisor at first and eventually got the supervisor XXXX ID # XXXX who was no help because she said there was no mistake not to mention she was very rude and disrespectful. She told me I needed to pay my bills on time. I tried to get them to listen to the tapes which clearly say that a mistake was made by Specialized Loan Servicing but they refuse. I then ask to connected to the corporate office, but they refused and they final connected to someone who was to supposed to be from the corporate office her name was XXXX ID # XXXX I told her my story and I ask her to listen to the tapes but she refuse and said I had to pay. I had to speak to her boss but she refused to connect me or give me a number. She told me she would have her boss contact me within 24 hours his name she said was XXXX. I ask XXXX to send me all my statement going back to XXXX and I ask her to send me a copy of my recent Loan Modification. To this date I still have not received. I ask XXXX if I had until XX/XX/XXXX to make a payment why was I still being charged all these hidden fees. She would not answer the question. So I asking Specialized Loan Servicing to remove the illegal fees that I was charged in the amount of {$3000.00} immediately. I feel that these charges are illegal and with that intent of forcing me into foreclosure. I have attached mortgage statements and documents from Specialized Loan servicing. Thanks

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