Consumer complaint received 2015-04-25
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had a mortgage loan that was never late since inception ( XXXX ). In XXXX XXXX, I applied for a loan modification for the third times ( since XXXX ) and was finally approved. The trial period started in XXXX and completed successfully with XXXX payment. However, while waiting for the permanent loan modification contract to arrive ( which servicer never sent out ), the loan was transferred to Specialized Loan Servicing ( " SLS '' ) in XXXX XXXX, XXXX. 
Please understand that the actual monthly payment was {$800.00}, But because the servicer was fraudulently claiming - it paid {$1100.00} for property tax ( while the county record shows that it paid only {$990.00} ) ; therefore, it increased my monthly amount to {$820.00}. Therefore, I refer to {$820.00} as " full payment '' ( although this amount is erroneous ). 
Meanwhile, before the loan was transferred on XXXX XXXX, XXXX, I made a full TIMELY payment. However, non-of the XXXX servicer show this payment. 
BUT, as XXXX was transferring the loan ( while waiting to send the permanent modification agreement ), it reported to credit agencies the account 3 months late ( 30, 60, 90+ days late ). 
As soon as SLS received the loan, it initiated sending XXXX collection and foreclosure certified letters to me. Through XXXX phone calls to SLS or its own collection calls, I tried very hard to, make SLS understand that the loan was not late. I did not succeed. Therefore, starting from XXXX XXXX, along with each monthly " full payment '', I sent a certified letter to the SLS president asking him to investigate the issue before sending/having its representatives call me for collection or foreclosure threat or sending me the same type of letters. I repeatedly asked that I needed to hear from someone at the SLS corporate level ( someone who would not lie and was competent ) to resolve the issues and that if I TRULY owe an amount ( after all the correction ), I will be glad to pay what is TRULY owed. I even asked for a complete loan history since XXXX XXXX. SLS refused to call me or sending me any accounting. The only thing I would receive from SLS was either a collection call or certified foreclosure letters. I have a big pile of these types of letter from SLS. 
XXXX through XXXX XXXX ( each month ) along with a " Full monthly '' payment, I sent SLS president a certified letter asking - since it claims to be a collection agency, then according to the law, it must investigate and also provide me ( a borrower ) statement of the account. SLS refused and never did anything. 
The last call to SLS ( besides the many lies I repeatedly hear from its representatives - XXXX says XXXX thing and another says completely the opposite- on recorded calls ), I hear that even if I bring the account current ( even based on their miscalculation ), they WILL STILL REPORT MY ACCOUNT ( that has never been late ) - as two-three months 60 days late to the credit agencies ). 
TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.

Company response to consumer: Closed with explanation