Consumer complaint received 2020-03-07
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Sent {$6100.00} on XX/XX/XXXX, to bring up my delinquent mortgage and included an outline of where money was to be applied according to the mortgage statement I had received from SLS. ( pages 1 & 2 ). About XX/XX/XXXX to XX/XX/XXXX, I spoke with XXXX, VP of Collections. He related that even though I had sent {$6100.00} Ii still needed to pay {$870.00} in legal fees. We set up an agreement for me to make payments. ( pages 5 & 6 ). I am attaching much correspondence asking for someone with authority to go over this and call me. Now most recently I am receiving a foreclosure notice. See pages ( 8 - 22 ). My letter of XX/XX/XXXX, addressing again my payment history since XX/XX/XXXX to present and response to the foreclosure letter. ( pages 23 - 25 ) Obviously I have tried and tried to resolve this situation with correspondence and calls. BUT no one will give me a straight answer. They keep saying someone will call but they don't do so. Also please note the many departments they have and the many phone numbers and addresses .I have to send the documents under another entry as this computer is not accepting attachments. I will send under a separate entry. 

In the beginning I had no idea who I was calling and they would not identify which department I was speaking with. Each time I would go over my situation and then I would get transferred. I know I was very very bad in the past but I am trying to get this all cleared up. They would never consider viewing my calculations and the discussion I had with the VP of collections which I am certain was recorded as they state when calling.. I realize this is a lot to go over but I need your help. I am in real estate and when your agency was formed several years ago it was a positive way for consumers who were hurting during the recession ( alto they don't call it a recession ) to get back on their feet. Mortgage companies were relentless in calling folks behind on their payments which were many. Then this protection agency was formed and now we were given a direction of who could help us. 

I have even had Apprisen ( an agency to help people during hard times ) be on conference calls with me to SLS. ( always disclosed ) She too agreed that it is a run around.

Again I am enclosing a great deal of correspondence. Have tried to put in date order. Have separated my correspondence with that of SLS except for the recent foreclosure notice. 

In regard to the foreclosure notice that did not take into consideration I had called in the payment for XXXX the day after XXXX XXXX XXXX in amount of {$880.00}. But again these other additions is what is in dispute. 

Pages 26 - 30 is other correspondence I had written regarding the situation. 

Also am enclosing XXXX emails received from SLS stating they did receive my letters ( Pages 31,32,33 ) but nothing happens. 

SLS is also claiming have an escrow shortage of {$970.00}. I have not had time to go over to verify their numbers. This will be my next project. 

I can certainly need your help. Considering all my attempts I can not get any where with SLS other than their rebuttal in writing which does not match with my calculations. HELP

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