Consumer complaint received 2017-09-24
Company: Specialized Loan Servicing Holdings LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This all started back when my XXXX was being serviced by XXXX. I was XXXX month behind and was advised to do the loan modification. I started the process and gave them all of the requested docs. They explained that everything was in and they were going to review and get the loan modification going. At this point my loan was sold to SLS in XXXX XXXX. During the transfer my loan mod got put to a stop. I tried contacting SLS regarding my loan but they had not yet had it in their systems. Finally, in XXXX they contacted me regarding my loan and I explained to them that I was in a loan mod with XXXX right before they transferred my loan and was getting ready to go through with the loan mod. Finally got in contact with SLS and they finally had my loan and was able to pull it up. They then started to request updated documents to do the loan mod at their company now. Again I provided all the requested docs and would get them to SLS before the deadline. Then the next month they would re-request the same stuff that I have already provided. SLS stated they didnt receive it, but in fact they did receive it, they just didnt look at it. We literally did every month. After I would send my documents in I would call again to make sure they received it and what else they needed and when would they review it to see if the loan mod was approved. 
On XXXX XXXX, XXXX a Rule XXXX Deeds of XXXX XXXX Trustee was filed case number XXXX -- ( Can provide full case number upon request, XXXX XXXX XXXX. I was notified by mail and was confused as to why this has been filed because I was in an active loan mod process. I went to the hearing on XXXX/XXXX/XXXX and filed a motion with my QWR. This hearing was continued so that SLS could get me all the documents that I requested in the QWR. The next hearing was set on XXXX/XXXX/XXXX. This court hearing was vacated and never told to me why. I received an answer to my QWR past the 30 days they had to get it to me and missing quite a few stuff that I requested. To this day still missing a lot of documents that I requested. I was notified by XXXX XXXX that the case was dismissed due to me being in a loan mod with SLS and that the sale date would also be cancelled. ( Which I believed this law firm was telling me the truth, because why would an attorney lie to someone about their house foreclosure being canceled if it really wasnt ) How can any sale date be made when I am in an active loan mod? I have been in an active loan mod since I was transferred to SLS back in XXXX of XXXX. From looking at the XXXX XXXX XXXX, they have had XXXX Sales scheduled while still in the Active Loan Mod process. 
XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX XXXX/XXXX/XXXX @ XXXX I pulled up the XXXX XXXX XXXX to see if I could see if the sale date was indeed canceled and it was not canceled. At this time, I was still working with SLS with getting more documents in that they have requested again so they can review and get my loan mod approved. I have been in contact with SLS weekly to see if anything else is needed and to get a status update regarding my loan mod. I then had another XXXX XXXX XXXX of XXXX XXXX XXXX hearing to attend on XXXX/XXXX/XXXX with a new case number of XXXX -- XXXX XXXX number will be provided upon request ). At this point I still was not told that my loan mod was denied until arriving at the court house. Once I arrived to the court house, SLS had their attorney XXXX there. She was rude and explained that we should waive our rights and just not go in front of the judge to hear our case. We wanted to let the judge know that this was all wrong. I did a QWR back in XXXX XXXX. They responded way past the 30 days, they responded in XXXX and did not provide everything. XXXX thing is the FULL PAYMENT history of the loan to show how much was actually due, so in court XXXX provided payment history to me. It was still not the full payment history. It was missing XXXX XXXX to XXXX XXXX. This is what XXXX is saying we owe for, yet they do not have that payment history to prove we owe that. Also in court XXXX advised that we were due for XXXX XXXX and that the loan mode was denied. No explanation of why it was denied either. SLS messed around the whole time with the loan mod. I made sure everything they requested they had right away. I would call to check to see if they got the fax XXXX person said no then was transfered to someone else and they said that did have it. Everyone that I talked to had no idea what was going on and did n't really look into my documents. Then I would talk to someone else and they would look into my file and everything that they ever requested and needed was in my file. They did n't want to go through my paperwork or get the loan mod done.

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