Consumer complaint received 2021-03-05
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Please know that I am very tired of the disrespect, inconsideration and lack of responsiveness of from SLS and their representatives, especially since this foreclosure was a direct result of Federal Fraud perpetrated by XXXX. The Affadavit confirming this fraud has been provided several times. 
XXXX further started the conversation with a sarcastic comment of my having reported SLS to CFPB. Of course, I replied, I did. It appeared that was my only way to get a reply. I was correct In that thought process. XXXX called. Not productive but called nevertheless. 
Please explain to me how SLSs representatives ( XXXX was just as rude and condescending ) believe it is their right to speak to a foreclosure person as a dog? To talk DOWN to another in any situation is unacceptable. This should not be permitted. There is enough stress having to face the situation at hand, deal with all the negative impact from the ( in this situation and Im certain I am not alone ) FRAUDULENT foreclosure, not limited to financial demise but the emotional distress and shame affiliated with the stigma of foreclosure. 
Included herewith please see emails of XX/XX/XXXX & XX/XX/XXXX to XXXX @ XXXX, with whom I spoke and who assured me they ( SLS ) would accept the {$750000.00}. Short Sale offer when I sent permission for SLS to retain the approximately {$61000.00} in Insurance Funds they are presently holding. That I need to relinquish this {$61000.00}. to SLS. When I asked XXXX the amount, she rudely replied that I should know the amount. I explained that I was not on the computer and would appreciate her giving me the precise amount. PLEASE LISTEN TO THE RECORDED SESSION OF THIS CONVERSATION. 
Also included within the body of the XX/XX/XXXX email is the email conversation from my Realtor, XXXX XXXX, of, I believe XX/XX/XXXX, stating that borrower must relinquish the $ XXXX+insurance funds. 
XXXX was aggressive, loud, disrespectful continuing to over-talk me or interrupt me. When I finally was able to ask XXXX to PLEASE let me talk there was a silence. A bit later XXXX asked cynically, Is it OK IF I talk now? My reply was that her question was unnecessary and not professional. ( PLEASE listen to the recorded conversation ) They, SLS, just want to TALK AT YOU. Disappointing and unprofessional. 
We discussed my doing so, ( relinquishing the {$61000.00} XXXX of which I was agreeable, when XXXX replied that SLS would pay the {$1700.00}. outstanding city water bill resulting from vandalism. We do this all the time XXXX said. I was delighted to hear that. I also queried about reimbursement for the {$1100.00} that I spent for rodent extraction due to the rotted wood from hurricane water damage, when noticed was filled with foam. Yes. SLS would accept the {$750000.00}. Short Sale offer pending my letter giving SLS The $ XXXX in insurance funds & SLS would pay the water bill. That we would need to prepare a new HUD reflecting this. ( Please know that SLS last 2 current BPOs were in line with the Short Sale Offer in the $ XXXX range ) After all, XXXX XXXX this is perhaps {$3000.00} total from the {$61000.00}. It does not appear to be unreasonable. I would appreciate this. We would be happy to have the HUD prepared as soon as XXXX got back to me. 
Promised to get back to me by the XX/XX/XXXX the latest after the long weekend. The only thing she was to have to discuss with her team was the reimbursement of the {$1100.00} for rodent extraction. 
IF the team agreed, then we were to prepare the HUD showing SLS responsible for the {$1700.00} water, Which was a given, the only matter of perhaps was the {$1100.00}. Once XXXX got back to me after speaking with her TEAM we would ask for the NEW HUD based on her reply. NO REPLY NO CALL BACK. 
PROMISE TO REPLY NOT KEPT. Not professional. Not professional. 
This has NOW BEEN approximately TWO WEEKS WAITING for a reply from XXXX that was promised for after the long weekend of Presidents Day. Shameful! 
The {$750000.00}. Was a GO according to XXXX. ( Verified with the email from my Realtor. enclosure included herewith. ) The {$1700.00}, water bill is done all the time. A given. OK. 
The only matter of discussion with her team was the {$1100.00}. NO CALL BACK!?? 
XXXX advised that she would discuss with her team and get back to me after the holiday weekend. 

XXXX XXXX was the following Monday. XXXX ASSURED me I would hear back by Tuesday the 1XX/XX/XXXX or Wednesday, the XX/XX/XXXXthe latest. As of now I am still awaiting a return call from XXXX. 

I am Still waiting for a reply from either XXXX with SLS or another REPRESENTATIVE OF SLS. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a/k/a XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Land Line XXXX Celluar 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