Consumer complaint received 2020-06-01
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My EX and I HAD a XXXX XXXX loan that initially was thru XXXX XXXX XXXX. Our loan got transferred to Specialized Loan Servicing ( SLS ) in XX/XX/XXXX. SLS did not have all of the documentation about our loan and past modification help, etc. 
We were in routine communications with them. They were aware tha we had an active contract for sale of the house. They kept sending the WRONG forms for us to fill out. 
We SOLD the house XX/XX/XXXX. The pay-off amount given to our mortgage company was dated for AFTER the sale date to ensure we would be paying the correct amount. 
SLS was paid in FULL for the loan, yet keeps sending bills for missed mortgage payments. 
I have emailed them, called them, sent them information. Each time there is communication, it is with a different representative, with differing information, and it seems like nobody has figured this out. 
I contacted our Title company and they said check was not returned and pay off amount WAS correct. They also said NOBODY from SLS contacted them regarding any possible discrepancy in pay-out. 
A SLS rep initially said the pay-out check was returned because it wasn't the correct amount, then later said it appears like it WAS the correct amount but unsure as to why it wasn't accepted! Not ONCE did I receive, nor my EX, any correspondence citing pay-out was in the wrong amount. 
My EX contacted XXXX XXXX, the originator of our loan, and they said the loan WAS paid off as well. They recommended filing a formal dispute. I emailed SLS 2-3 weeks ago. Nobody has resolved this issue. I was told a few weeks ago, after I kept calling them, that it looks like there's more money due because of the pending foreclosure process. 
I don't understand. We SOLD the house BEFORE it went into foreclosure. I communicated with SLS and their Foreclosure department in XXXX that house was being sold on XX/XX/XXXX. Neither my EX nor I have EVER received any bill reflecting this lack of payment. All we have received is the typical monthly statement/bill reflecting past monthly payments not sent in. 
This is still on my credit report as a balance of over {$300000.00}! That is NOT true. I can send a copy of the pay-out quote along with the CLEAR Title transfer if needed. Please help me get this rectified. 
During these ongoing economic conditions, the added stress of this is anxiety provoking and over-whelming. I don't know who else to contact. 
I called XXXX XXXX directly but got disconnected during the transfer. I then emailed XXXX XXXX but other than receiving an email citing someone would contact me, there has been no resolution or communication. I have NOT received anything still from SLS explaining why this is not resolved.

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