Consumer complaint received 2020-01-04
Company: Specialized Loan Servicing Holdings LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My problem begin in XX/XX/XXXX I knew I was falling short on my mortgage payments and I immediately contacted SPECIALIZE LOAN SERVICING LLC I at that time was not 3 months behind but knowing my financial position I needed to know what my options were. I forwarded to this company what I could of XXXX which was my monthly installments once received they would apply it in and account called unapplied funds until the full payment was made however as time went on I began to full further behind the company suggested applying for a loan modification which I did and was denied after waiting for their response for weeks. I asked what was my next recourse and was told a REPAYMENT PLAN I forward all the necessary information to them checks stubs monthly expenditures and waited weeks again for them to respond the first offer was XXXX per month as I went back and forth my note becoming more delinquent after their customer service lack of information I ended up signing a repayment agreement of XXXX I was not fully aware because of the inconsistences of each answer I was given as well as the constant threat of foreclosure of my home my first installment payment was XX/XX/XXXX I forward via 4 postal money orders 3@XXXX and 1@XXXX account number on each as well as paid for 2 day certified shipping with required signature as of today XX/XX/XXXX my loan has not been fully credited they place XXXX as a partial payment and XXXX in unapplied funds I've forwarded copies of money orders receipts showing purchasing as well as a copy of the envelope showing someone signed for all for which was stapled together since then I have paid my XX/XX/XXXX payment and will forward XX/XX/XXXX prior to the XXXX of the month I have now been told to go to the United States Post Office and get a copy of my XX/XX/XXXX Money Orders front and back which I have to pay for to show them the Money Orders have cleared this you can clearly see by looking at my mortgage statement it definitely shows where they posted the funds incorrectly today I received via regularly postal mail 2 letters one dated XX/XX/XXXX and another one dated XX/XX/XXXX INTENT TO FORCLOSE ON MY PROPERTY I am at a loss because I signed a REPAYMENT PLAN AND FORWARD IT VIA EMAIL AND HARD COPY XX/XX/XXXX I have not received a phone call and left several messages for a Supervisor as of today I have had only one person who name is XXXX my point of contact be able to find out how the funds were posted after being on my cell phone over an hour he was completely at a loss of why it was posted that way in the time frame of weeks and speaking to some of the rudest folks I am at a loss I've reported these folks to the XXXX XXXX XXXX THE FEDERAL TRADE COMMISSION NOW YOU GUYS CFPB I do not want to loose my house I can barley pay my utility bills and buy food they calculated my repayment on check stubs which included overtime I have tried to explain several times that is not guarantee time I had to borrow at the end of they year for my XX/XX/XXXX payment because of this type of calculation I am an XXXX employee when there is no work we have to go home and no pay where I at now with this is if could not qualify through HUD XXXX XXXX OR XXXX XXXX OR ANY MORTGAGE LENDER FOR THIS TYPE OF MORTGAGE PAYMENT HOW CAN I QUALIFY NOW FOR A XXXX A MONTH HOUSE NOTE on top of everything else I am desperately trying and are making this outrageous payment they do not post to my loan correctly is this some type of SHAM OR FRUAD I need some type of help as soon as possible because as of this point my health is beginning to fall short to this type of collection practice or just misappropriation of funds PLEASE HELP I have copies of every email text and fax I have sent to this company Thank You in Advance 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