Consumer complaint received 2023-11-27
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am the Administrator XXXX and heir to my mom 's estate. Originally, there was an Executor of Estate and she was removed due to refusing to do her fiduciary responsibility and trying to steal and destroy the estate. She never paid XXXX XXXX XXXX into the mortgage and now the debt collector is rightfully trying to get paid. The problem comes with the debt collector got an attorney, XXXX XXXX XXXX, XXXX, who is communicating with the former Executor of Estate and employer which I have notified Specialized Loan Servicing about and want it stopped. I found out from Specialized Loan Servicing that it has gone into foreclosure back into XX/XX/XXXX and I was supposed to have been notified. I was never notified until after I let Specialized Loan Servicing know. I received on Monday XX/XX/XXXX : 2 Certified Letters addressed to " Estate of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Personal Representative '', 2 Certified Letters addressed to " Estate of XXXX XXXX XXXX XXXX which this estate does not exist, and " All Occupants ''. Specialized Loan Servicing has my information and correct address. All six Certified Letters were sent to the wrong address. I have a XXXX XXXX XXXX receive the mail due to the issue of the former Executor of Estate stealing mail and Specialized Loan Servicing was very well informed of this address. They refuse to stop their attorney from sending the mail to the wrong address which risks me not getting the mail. Furthermore, I found out after the XXXX XXXX XXXX listed the house being foreclosed on. Everybody including the neighbors knew except for me. I have made every effort to try to get them paid and I received a letter from Specialized Loan Servicing in the mail on Wednesday XX/XX/XXXX notifying me of options : * Setup a repayment plan for your loan * Refinance your loan with another lender * Modify the loan terms of your loan * payment forbearance temporarily gives you more time to pay your monthly payment or move and sell the home. 
I already have the house listed for sale since XX/XX/XXXX. I called Specialized Loan Servicing to talk to them about these options and was told that they are required by law to send this notice but they don't honor it. 
The house is for sale and I am respectfully requesting cfpb to force Specialized Loan Servicing to honor the forbearance law and remove my mom 's estate from foreclosure proceedings and allow me the time necessary to find a buyer to purchase this property. I just became the Administrator XXXX on XX/XX/XXXX. I am also the heir and I just discovered the house was transferred to me at the same time. I can not be punished for the negligence of a crooked attorney. I am also XXXX and have a XXXX XXXX XXXX XXXX. So, my XXXX XXXX XXXX XXXX  and I should move out onto the street? There are no shelters with space. I have been told it is a two year wait. 
I am asking cfpb to force Specialized Loan Servicing to stop encouraging their attorney XXXX XXXX XXXX, XXXX in communicating with people, like the former Executor of Estate and her employer, who have no right being involved with this mortgage, stop XXXX XXXX XXXX, XXXX from sending mortgage mail to every address except to my address, stop XXXX XXXX XXXX from discussing mortgage business with everyone except me, stop XXXX XXXX XXXX, XXXX from sending mail to everyone except to me, stop XXXX XXXX XXXX, XXXX from sending mail to dead people ( my dad who has been dead since XX/XX/XXXX ). I am also respectfully asking cfpb to force Specialized Loan Servicing to remove this property from foreclosure and grant me the forbearance time the law requires so I can sell the house and property. 
Thank you and I apologize this complaint is not of professional quality. 
XXXX XXXX XXXX, Administrator XXXX  & Heir Monday XX/XX/XXXX XXXXXXXX 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