Consumer complaint received 2021-10-13
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I am divorced, XXXX and now XXXX years old. 
I raised my XXXX kids on my own after divorcing my alcoholic abusive xhusband and have lived in this home since XX/XX/XXXX. I became XXXX after several surgeries XXXX XXXX XXXX and XXXX XXXX, left with XXXX XXXX XXXX and XXXX. At the time I refinanced my loan during my divorce I was with XXXX, then the loan was sold to Specialized Loan Servicing Loan No. XXXX which is the company I am filing this complaint against. When I was rendered XXXX I modified my loan in XXXX successfully. At the end of the modification plan I was put on XXXX XXXX, which is back paid so I didn't get paid one month and my payments were late every month but " not '' delinquent 30 days. So, I have XXXX in unpaid late fees. I was getting LTD Long Term Disability through XX/XX/XXXX. But that ended. It was XXXX a month. So since then it has been devastating on only my XXXX a month. I have prescriptions, doctor visits, and lab tests which all cost some money besides utilities, food and a car payment and insurance. In XXXX I filed an application for assistance with my Mortgage Co., that was denied but they would give me a short sale .... since there is equity in my home I knew a short sale was wrong. At this point the sent out a breach letter. I have made two payments since then. I called spoke with several counselors basically all they could do was give me a payment plan for XXXX a month for 10 months, I knew I couldn't do that but I called again and spoke with someone who said I could appeal their decision which I did in XXXX. Shortly their after I received a letter stating they were reviewing the application and my Relationship manager is XXXX teller number XXXX phone XXXX. A day later I was sent a denial letter again, they didn't have time to look or review any of the information I sent. I called and spoke with 2 counselors since and they, their investor will not allow any additional modifications, I said I have only had one. Then I asked if they could just give me time to close my new mortgage as I am in process to obtain a reverse mortgage with XXXX ( XXXX XXXX XXXX XXXX ) which at this point should close by mid XXXX. They said no there is equity just sell it, I asked if they would give me time for that they said no. I can't " just '' sell it anything I would buy would cost me more than I could qualify for, in fact I couldn't even rent an apartment for the cost of my mortgage. I have had to advance for cost of appraisal on the new loan with XXXX and Spoken with a federal counselor for the XXXX mortgage who has also tried to assist me. But I am unable to come up with the 3 past due payments for XXXX, XXXX and now XXXX. I am only asking for time it doesn't cost them a dime they will get all their money but it seems they want my hard earned equity as well. I am filing this complaint in hopes that you can see your way to assist in any way you can before they file foreclosure. They are using the breach letter from XXXX to begin foreclosure soon, it may already be in process. I am doing all I am able I have had this home and paid on it for over 25 years PLEASE HELP!!! XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX XXXX. 

I tried to send 6 pics of documents which for some reason I could not attach. The are costs on the status of my loan with Specialized and the doc from XXXX and my 1099 income sheet. Please call me I can send them via text if necessary. Again thank you.

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