Consumer complaint received 2020-07-01
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Here is what I wrote the mortgage company. 
In return, I got one line answer that they " made '' an error and I owe them money for PMI. 

Specialized Loan Services XXXX XXXX. XXXX  XXXX XXXX, CO XXXX XXXX : Loan XXXX By Fax : XXXX XX/XX/2020 To whom it may concern, For many months now I am trying to resolve an issue related to my Private Mortgage Insurance but to no evil. 
Back in XX/XX/2020 and after endless moths of corresponding with you, I received a letter from you ( copy enclosed ) that I met all the requirements, and my PMI was terminated and NO FURTHER PREMIUMS, PAYMENTS OR OTHER FEES WILL BE PAYABLE IN CONNECTION WITH PMI COVERAGE. 
Sure, enough like anything else related to the poor, unprofessional way you communicate with your clients and customers, additional fees start appearing on my statements. 
As per your request, I communicated with you via your portal secure e-mail system but again, to no evil. 
In between XX/XX/2020, and XX/XX/2020, I sent you nine ( 9!!! ) separate e-mails related to my issues and the additional fees related to my PMI, and each time it looks like the agent who replied to me did not read or responded to anything I wrote to you, including endless requests to have a manager or supervisor contact me. 
On XX/XX/2020, I was able to get a hold on one of your account managers and while she reviewed my complaint about an additional {$190.00} fee, she informed me that on XX/XX/2020, SLS paid the PMI company additional fees. 
Let me put it for you in simple terms AGAIN : I MET ANY AND ALL THE REQUIREMENTS TO HAVE MY PMI REMOVED WAY BEFORE XX/XX/2020. 
On XX/XX/2020, you informed me that the PMI was terminated and no more fees are due. 
I am not concern ( nor will I pay you or any other third party ) anything related to a PMI disbursement you made in the sum of {$340.00} on XX/XX/2020. 
The account supervisor I was talking too on XX/XX/2020, tried to explained to me ( over a recorded line ) that the fact I met all the requirements as of XX/XX/2020 is not correct as I still owe that money to the PMI company. 
In XX/XX/2020, while I already met the PMI termination requirements, SLS without my permission or consent deducted {$150.00} from the additional principal payment I made and transferred it to the PMI company. 
Where an additional {$190.00} came from? The account manager I spoke with could not explain it to me and in return sent me a meaningless set of documents that it is my responsibility to pay additional fees in the rear to the PMI company. 
No, it's not. I check all the documentation and it does not say that I have to make any rear payment to anyone PMI company included. 
Let me make it very clear to you. 
I am a very educated consumer, I met any and all the requirements to have my PMI terminated, I got a confirmation letter from you, and I will not pay you one more penny in PMI fees. In fact, you owe me {$150.00} you deducted without my permission and consent from my XX/XX/2020 additional principal payments. 
If that amount is not going to be returned to me and the additional {$190.00} fees not going to be removed from my records, I reserve the right to take legal actions against you. 
You have 10 business days to resolve this issue or meet me in a court of law. 

XXXX XXXX

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