Consumer complaint received 2020-05-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/XXXX my Heloc loan was transferred from XXXX to SLS ( Specialized Loan Services ). XX/XX/XXXX of {$1300.00} I made the first payment which SLS could not locate for 3 weeks. SLS continued to call and tell me my account was  delinquent even tho payment had cleared and I have receipt confirmation from them of my payment. SLS stated that my account was under maintenance due to the recent transfer from XXXX and this could take up to 60 days to sort out and that I would not be charged any late fees during this time that my account was showing delinquent. 
XX/XX/XXXX made my next payment of {$830.00} even tho my account was still showing delinquent. 
XX/XX/XXXX {$820.00} made 3rd payment although account account still showing delinquent and receiving phone calls about my delinquent account regularly and having to explain to SLS that my account is current, but they have informed me that my account is under maintenance. 
XX/XX/XXXX made payment {$780.00}. Account is now showing as current for the first time since XX/XX/XXXX. 
XX/XX/XXXX made payment of XXXX as they now have my account showing as past due again of {$780.00}, so made the payment of {$790.00}. Received multiple phone calls that my account is past due. spoke with another rep from SLS who stated my account is again under maintenance due the the transfer from XXXX, but I will not be charged any late fees although they are showing my account is past due. 
XX/XX/XXXX account still showing as past due, paid monthly payment states I owe {$780.00}, but when paying online it says that {$780.00} Is past due and I need to pay {$790.00}. spoke to rep from SLS who stated my account will take another few weeks to show current, but not to worry as they are not charging me late fees. Called back end of XXXX as I'm concerned now that it's showing in my account online that I am 90 days past due. SLS stated not to be concerned that the account is still in maintenance. 
XX/XX/XXXX now account is showing I owe a past due balance of {$970.00} even tho amount due is showing {$790.00}. Paid SLS {$790.00} as my account is not past due. Called customer service who stated that my account will show current by XX/XX/XXXX and and to call back to make sure it's been done. I've called SLS almost daily since XX/XX/XXXX as I wanted to give them an extra day. My account is still showing delinquent. I have asked them to send me statements of my account since XXXX of XXXX. I have never received a statement of my account or my payments. 
When I've asked to speak with a manager since XX/XX/XXXX to current date, I am told that I will receive a phone call within 24-48 hours. I've not once received a phone call from a manager. I pay online and print out my email receipt monthly as I do not trust them. I need them to REVERSE ALL DEROGATORY REPORTING OF MY ACCOUNT THAT IS MORTGAGE RELATED ASAP. All my payments have been on time to Specialized Loan Services and I've also paid over the amount that showed due and still they are showing my account is past due.

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