Consumer complaint received 2019-05-24
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Last successful payment to XXXX XXXX in XX/XX/XXXX, they returned it because they sold the loan to Specialized Loan Services ( SLS ). Attempted to get caught up with SLS on XX/XX/XXXX by coming to an agreement to with SLS to pay the defaulted amount of {$3600.00} that they will not foreclose on the my mortgage by authorizing automatic checking account withdrawal payments out of every paycheck every 2 weeks of {$1200.00} on XX/XX/XXXX ; {$600.00} on XX/XX/XXXX ; {$1200.00} on XX/XX/XXXX ; {$620.00} on XX/XX/XXXX. They stated as long as all these payments come out successfully that this agreement is good enough to not foreclose the home. They automatically withdrew the first payment on XX/XX/XXXX as authorized, then on the day before the next payment was due, on XX/XX/XXXX SLS called me to say it's too late to try to pay them that they are putting it into foreclosure because I did not send the entire amount of {$3600.00}. I asked what to do now and they said the fees are now over {$6000.00} to get out of default. I got served a summons on XX/XX/XXXX about a lawsuit that said I owe {$39000.00} on the home. They kept changing the amount I owed to get out of default and kept hanging up on me when I would call and treat me like dirt even though I was really trying to pay them. They said it's too late to try to pay that it is now in liquidation. I got so scared of this company and everything they kept changing and lying about that I came up with loans and cashed in XXXX to simply pay off the {$39000.00} to get out of this horrible mortgage. I called SLS & asked how to get them the money. They stated I must request a payoff quote & said it would be good for 10 days. Once I got the payoff quote on XX/XX/XXXX, it stated I now owe {$45000.00}. I came up with the additional nearly {$6000.00} that they demanded to save from foreclosure, that they stated would stop all this. So I wired it to SLS on Friday XX/XX/XXXX well within the 10 day period the correct way they told me to do. I called them a few hours later on the same day to assure they got the money ok and to confirm that they are stopping the foreclosure. SLS stated in that phone call ( after hanging up on me a couple times and me calling back again and again ) that they had to generate a new payoff quote because there was a mistake on the first payoff quote and the first payoff quoted requested by me on XX/XX/XXXX is no longer valid. Then SLS said they would transfer me to a manager to see why, but hung up on me, then I called right back for an answering service to say they are closed. I called first thing Monday XXXX  XX/XX/XXXX which is supposedly the last day the payoff quote is good for. SLS stated the payoff quote is no longer valid that the day of XX/XX/XXXX is the cutoff. Then they stated the new payoff quote that they generated owes {$1400.00} more due to the mistake on the last payoff quote and additional fees since I didn't pay off enough. SLS stated I have until Monday XX/XX/XXXX to give them the remaining {$1400.00} on top of the {$45000.00} that I have already given them to stop the foreclosure. The thing is, SLS will not even apply any of this {$45000.00} that I gave them to accept some of it as a payment to get me out of default to stop the foreclosure. -- -I have not talked to them since XX/XX/XXXX after adding more money yet again. I am so scared of this company changing their strories and lying to me and I don't know what to do. I've given them literally everything I have, so I've attempted to talk to attorneys to stop this foreclosure but they want thousands to fight this and I literally gave SLS everything I have after selling my vehicles, furniture, tools for my job, and exhausting all sources I have to borrow money. I can not get any more money and they are not stopping foreclosure even though they have my {$45000.00} to payoff the entire mortgage.

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 monetary relief