Consumer complaint received 2019-03-06
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a continuation Phase II for Specialized Loan Servicing ( SLS ). My first reference complaint # XXXX where documents were submitted for review. 

On XX/XX/XXXX, SLS admitted to making and error concerning an overpayment of an imposed Hazard Insurance with inflated interest and late fees. SLS has the refund check that they refunded back to me in the amount of {$1100.00}. I was told Customer Resolution in Loss Mitigation at XXXX XXXX XXXX ( exhibit # 1 ) and he stated that {$1100.00} was applied to me escrow account number XXXX. XXXX said that SLS would apply XX/XX/XXXX credit of {$230.00}. Then there would be a credit balance of {$570.00} which would be applied to XX/XX/XXXX mortgage payment leaving a balance due of {$46.00}. I called and had {$140.00} reapplied according to the agreement made to clear up all monies due. I personally am not in agreement that I owe SLS any back payments since they finally admitted to the error. Per agreement I sent {$140.00} on XX/XX/XXXX ( exhibit 2 ) titled reapplying mortgage account to release the monies out of my escrow account. They accepted my payment and then turned around and took it agreement off the table. SLS sent me a notice of Intent to Foreclose on XX/XX/XXXX ( exhibit 3 ) stating that I owe {$1300.00}. SLS continues to stress me out causing my XXXX ( XXXX ) by trying to foreclose on my home after they made the agreement on XX/XX/XXXX. I am a XXXX point Veteran suffering with ( XXXX ) and a credit score below 500 because of SLS. Upon sending the Notice of Intent taking the original agreement off the table I paid {$700.00} via telephone on XX/XX/XXXX ( exhibit 4 ) for XX/XX/XXXX mortgage payment. I have been battling with SLS for almost 3 years. I could not afford to pay SLS {$970.00} for 12 months. They keep stating that they don't have any documentation from me to justify all this harassment which is not true. I've sent countless documents to ( XXXX ) and ( XXXX ). I continued thru out this battle to pay {$690.00} which is my mortgage monthly amount before they forced Hazard Insurance ( {$810.00} ) on me erroneously. Then the federal shutdown happened. Now my XXXX statement reads that I owe SLS {$1900.00} ( exhibit 5 ). I never had a problem for over 20 years with XXXX  XXXX XXXX before they sold me account to SLS. As I have stated before that SLS has no disregard for mortgages and finances of people. How does Consumer Finance continue to let SLS throw us out in the street and treat us like dogs? There are countless website testimonies about how SLS operates. Does the same people that continue to harass me take our homes for resale value and profit from forcing us out in the streets and messing up our credit scores so that we won't ever be able to buy again with bankruptcy for 7 to  10 years? 
Sincerely yours, XXXX 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