Consumer complaint received 2022-08-12
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We just lost our son, a XXXX XXXX XXXX Veteran closed on his first home XX/XX/2021. I had Power of Attorney ( POA ) and initially was to close on his home, as he was due to travel. My husband and I were skeptical of the XXXX XXXX that our son for many reasons, and typically do not involve ourselves with his decisions. However, in this case, our child was assured that if there would be anything amiss, we would take care of it. Our child was explaining that they were all friends now, totally trusted this " Veteran 's '' Group because they catered to Veterans like himself with credit issues, he was not very good at organizing money, and although he was very independent, it was the reason he gave me POA. They promised him they would get him a mortgage loan and they did. Due to Covid, he was basically in another country for over a year with lockdowns, and frequently traveled all over. This group filled in all the " holes '' to " fix '' his credit. It was all too easy and the closing date was moved up once learned that we would be signing the closing documents. There are many discrepancies and they told our son, " oh, we'll work with the numbers, '' basically don't worry about anything. We believe one or more of the group is not licensed, a letter written on my behalf, although I signed it after " typos '', I had not realized that it was a totally not my letter and untruths. Fees were charged without property exemption, and a money gift from us was used as a deposit when it was clear by our son that it was to be used for closing fees per request. Our son thought this was a real " Veteran '' Group ( XXXX XXXX  ) they used all their own business partners and he was told they would take care of everything. Fast forward one month, our son tragically died in another country. In addition to this, after receiving Letters of Administration, Personal Representative of my son 's Estate, and Personal Representative on the house Deed, the original lenders did not contact us until I sent an email to XXXX XXXX XXXX XXXX XXXX XXXX as I knew it to be, and had one call with a promise to assist us ( XXXX XXXX XXXX, the loan was sold a few times, no one ever responded to calls emails, letters sent certified/return receipt, the Veterans Affairs Point-Person would not discuss or advocate on our behalf to assume our son 's loan per our request to many, which is all documented. Although the Death Certificate and Letters of Administration were sent to so many, loan servicers/debt collectors, individuals, customer support sites, and businesses, and this includes our attorney since the beginning. The Loan Servicer, Specialized Loan Servicing LLC have been billing, but refused two payments to bring current until we could get this mess cleaned up. The amounts refused were over {$11000.00}. I was just finally had communication yesterday that the house is in " foreclosure. '' There are so many unethical practices and deception, in addition to discriminatory practices, leading our son to believe this was a Veteran Organization, taking advantage of a XXXX Veteran, rushing the process, refusing to communicate at any time or level with us, having me sign the home mortgage after his death using the POA, and also signing the " Gift Letter '' after death. I know now that was incorrect. Our son had told us that he also had insurance to pay the house off, in case of death so his service dog would have a home, and we were moving there anyway to take of things while he traveled. Then he would do the same when we traveled. There is no death benefit to pay off the loan. After looking up some of these organizations, brokers, and individuals, it is very clear that our son was scammed under their predatory practices and deceptions.. The parent company is XXXX in XXXX, but the Servicing Debt Collector is XXXX XXXX XXXX.I have had to call the Sheriff 's Office in Florida and Connecticut several times because of unkempt individuals coming on the property with " No Trespassing Signs, '' leaving " confidential '' envelopes on the front door. This has been a half dozen times. We are inundated with mail that has " BANKRUPTCY '' and also mail previously from " XXXX XXXX '' debt collections. The VA has not been helpful in any way. 
Please help us and others going through this terrible scheme. 
We just lost our son. 

There are no documents uploaded as it " froze '' my computer, but we have all documentation to back up all our claims. In addition, our attorney also has documentation.

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