Consumer complaint received 2021-03-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB : FILING AN OFFICIAL COMPLAINT REGARDING XXXX XXXX XXXX MORTGAGE AND SPECIALIZED LOAN SERVICING LLC Attached to the previous XXXX XXXX XXXX Mortgage and Specialized Loan Servicing is significant documentation on the issues I am having with my XXXX XXXX Mortgage Loan. From XXXX, XXXX until XX/XX/XXXX, the mortgage was with XXXX XXXX XXXX Mortgage. On XX/XX/XXXX XXXX XXXX XXXX Mortgage sold the loan to Specialized Loan Servicing, LLC ( SLS ). In midXXXX I was informed by regular mail that SLS records show the mortgage to be in SERIOUS DEFAULT although my XXXX bank records show the mortgage was paid on time and as agreed. In XX/XX/XXXX and again on XX/XX/XXXX XXXX XXXX XXXX Mortgage agreed to a Covid-19 Relief waiver on ( 6 ) months of mortgage payments. On multiple occasions it was confirmed the TEMPORARY FORBEARANCE ON THOSE MORTGAGE PAYMENTS would be placed at the end of the loan. In XX/XX/XXXX I resumed paying my XXXX XXXX Mortgage one month earlier than the original six month Covid-19 waiver. When XXXX XXXX XXXX Mortgage sold the mortgage in XXXX, XXXX, it sent incomplete and erroneous information to Specialized Loan Servicing. Both XXXX XXXX and Specialized Loan Servicing have been dismissive and in most instances are completely unresponsive in resolving the immediate problems with my mortgage. Currently, Specialized Loan Servicing is demanding a lump sum payment of {$8100.00} and are actively moving forward with a XXXX, XXXX Court Motion in U.S. Bankruptcy Court for an impending foreclosure ( in spite of the XXXX XXXX paperwork filed with the Court TWICE approving my request for a Covid-19 Forbearance six mortgage payments ). Both institutions are in violation with the 2020 CARES ACT which was passed to help mortgage owners like myself who have federal backed mortgage loans. THIS COULD QUICKLY BE RESOLVED BY SPECIALIZED LOAN SERVICING OR XXXX XXXX XXXX MORTGAGE ; HOWEVER, IT SEEMS ONLY THE AUTHORITY AND THE WEIGHT OF THE CFPB COMPLAINT DEPARTMENT WILL GET THEIR FOCUS AND ATTENTION TO ADDRESS THE SIGNIFICANT ISSUES : neither my attorney or myself have received any proactive resolution to the issues in spite of our correspondence WE ARE ASKING FOR THE FOLLOWING RESOLUTION : 1. PLACE THE ( 5 ) COVID-19 RELIEF PAYMENTS TO THE END OF THE LOAN 2. HONOR THE ORIGINAL TERMS OF THE XXXX XXXX XXXX 3. CORRECT MY PAYMENT HISTORY TO SHOW TIMELY PAYMENTS FROM XX/XX/XXXX THRU TODAY AND UPDATE ALL CREDIT BUREAUS ( On advice of Counsel continue with payments even if SLS is posting to incorrect months. Today a Check for XXXX, XXXX, XX/XX/XXXX sent to SLS on XXXX ) ( Check # XXXX ( XXXX ) payments of {$1300.00} : Total : {$4000.00} 4. SLS NEEDS TO REVERSE THE MOTION TO THE U.S. BANKRUPTCY COURT, XXXX XXXX the bankruptcy was finalized on XX/XX/XXXX and Court paperwork confirms my bankruptcy was finalized on XX/XX/XXXX and paperwork with the Court confirms my two requests for XXXX XXXX Covid-19 Relief Forbearance payments ). I understand I have attached numerous documents to both XXXX XXXX and SLS ; kindly let me know how I can provide the additional documents to the CFPB Customer Service Representative. It is my hope all of the necessary documentation provided can quickly and fully resolve these very critical issues regarding my home at XXXX XXXX XXXX XXXX XXXX, XXXX, FL. Sadly, I am being bounced between XXXX XXXX XXXX Mortgage and Specialized Loan Servicing with no regard given to the undue stress and hardship it is creating. Both companies deflect any responsibility. If additional information is needed, kindly reach out to me as I will quickly respond to any additional details needed to resolve. Much appreciated. As always, XXXX XXXX P.S. Depending on any email file size limitation, the documents to both of these institutions may need to be sent in additional emails and multiple faxes. The ( 4 ) PAGE CFPB document dated XXXX lists all of the documentation I am providing. XXXX XXXX DOES NOT PROVIDE AN EMAIL - FAXING THIS DOCUMENTATION : ( 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