Consumer complaint received 2015-11-06
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing about a request I submitted to you XXXX XXXX about a problem I was having with SLS. case # XXXX. SLS responded that they would work with me. Since then I have received two letters of intent to foreclose, and multiple letters stating they needed additional information. Each time I call or send the expected information, I get a new teller in the customer resolution dept and it starts all over again. 
First, I have been making my monthly payments and discovered in XXXX XXXX that my payment had doubled as of XXXX XXXX. I was NEVER informed of this. I do NOT get a monthly statement because my loan was in chapter XXXX from XXXX. However, I do get a year end tax statement that reflected my payments and interest/principal being paid. I have now contacted XXXX for help and she has not been successful in working with SLS either. They could/would not give her any information and could not tell her how they were helping me. My original loan was with XXXX. Although I claimed this loan in our bankruptcy, XXXX did not acknowledge it. SLS claims they hold unapplied funds until a full payment is received and continue to do so with my payments. My payments were {$300.00} of which I was paying $ XXXX/month. Since XXXX, all my payments are going to interest again and I am some {$3000.00} behind. I retired in XXXX and am on a fixed income and have no extra funds. This loan apparently was written off at some time ( with the bankruptcy? ) because it does not even appear on my credit report as it did in XXXX. I have made payments throughout my bankruptcy and am not sure where they were applied. Since XXXX ( who was listed as a debtor on my bankruptcy ) did not acknowledge the loan, was it possibly written off at that time and I do not owe this debt? 
I am very frustrated and XXXX with this situation and I am no closer to a resolution to this matter ... but getting farther behind without any answers from SLS. 

Through XXXX and before I tried to : - get statement, get written notification of payment change and why, -SLS would not identify current investor, explain why they are holding unapplied funds, -tell me what program/how they are helping me, - tell me the interest rate of this loan or total amount owed- ( while on conference call with SLS and XXXX ) the XXXX rep told me first I was 6 months behind and then told me I was {$8.00} behind. He could not find any foreclosure date or notice that I had been sent. 
.-And they have changed my contact person several times. 
Multiple times I have sent them my bank statement, copy of pay stub, XXXX, XXXX, XXXX along with other papers. They send me an acknowledgement letter and then by the next month, ask me to submit the same papers again and change my contact person. I am concerned about what is happening to these papers. 
When I asked the last SLS rep if and where I should continue to make my payments, he told me i did n't even need to do so until this was resolved. I have still made my payments because I do n't want to be any further behind, but I question where my payments are being applied. I do not have extra funds to pay SLS if they are not applying it to my mortgage payment. 
I would appreciate your help with this matter. I have done some research into this and question whether I still owe this mortgage and would like to know if it is closed and I am no longer responsible for this debt. 
I feel that I have been harassed by SLS and they are not helping my situation. 
My counselor at XXXX is XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation