Consumer complaint received 2021-10-05
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello. My name is XXXX XXXX. My lender is trying to foreclose on my home despite disputes and evidence of payments. 

Here are the chain of events. 

-XXXX XX/XX/XXXX XXXX XXXX offered assistance to account holders. I checked a box bank account online to receive 90 days forbearance/deferment. The 3 months were supposed to be added to the end of the note. That simple. 

-XX/XX/XXXX offered and additional 90 days after the first period expired. I resumed making payments AFTER the the initial period though. Payments are attached. 

-At the end of the 90 days I resumed making payments for mortgage BUT XXXX XXXX automatically enrolled me in an additional 90 days program. I do not recall selecting this option. 

- I continued to make payments through XX/XX/2021 to XXXX XXXX -XX/XX/2021 I received correspondence that the note was transferred to SLS back in XXXX and a past due statement. I called SLS and XXXX XXXX and spoke with separate agents who advised that all information had not been transferred from XXXX XXXX and they were still working on it. The rep at SLS confirmed I should not begin making payments around XX/XX/2021 because they needed to research further. 

-XX/XX/XXXX severe illness leading to multiple hospital visit/stays. I have evidence and records but do not think my personal health history should be attached to this complaint at this stage -XX/XX/XXXX sent payment for XXXX payment rejected by SLS -XX/XX/XXXX payment not cashed by SLS which made me assume that it was not time to pay my account yet. 

I have been very XXXX since my initial outreach AND out of town. I recently started going through my mail and discovered that there were intents to foreclose on the home, which was weird to me. Since late XXXX, I have attempted to make payments via SLS online portal but have been locked out. 

I called the company today to find out what was going on and now told that I am 369 days in arrears. Payments were made to XXXX XXXX directly until XX/XX/XXXX and I followed up about the matter in XX/XX/2021. Since the time I'm supposed to re-start mortgage payments, SLS and XXXX XXXX have not accepted payments. It's as if they are deliberately trying to take the home. The young lady who helped me " XXXX '' was helpful and thorough, BUT there is a possibility today 's payment still won't be accepted bc SLS/XXXX believe the mortgage to be behind by one year. 

1. I am not a year delinquent 2. SLS/XXXX  XXXX appears to have a messy transition with XXXX XXXX accounts and did not receive updated information 3. The research between the companies is not being done- I am being asked for XXXX XXXX documents related to the deferment that I am having a hard time getting ( yes, I did outreach to XXXX persons and SLS persons who said they would work on this ) I am extremely frustrated because... 
1. Notice of the transfer from XXXX XXXX to SLS/XXXX  XXXX was not sent, nor received until well after the transfer date of XX/XX/2021 2. SLS/XXXX  XXXX says I'm behind 360+ days, but I'm not 3. Neither party seems willing to review the historical data in order to RESOLVE the problem. I'm now being told I have to request mortgage assistance when I DON'T ACTUALLY NEED IT!

I just need to pay my mortgage for the last four months to honor the agreement with SLS but can not do it. Does this make sense? Why are payments being obstructed?

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