Consumer complaint received 2022-06-29
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Violation of of XXXX Laws 12 CFR 1026.13 ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice. 
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( XXXX ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to XXXX business days before the scheduled payment date. 
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 

( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. 
VIOLATION OF PRIVACY ACT OF 1974 ITS TOTALLY BS AND BALONEY TO STATE PRIVACY VIOLATION WAS ATTORNEY INFORMATION WAS MAILED. FIRST CONTACT INFORMATION RECEIVED FROM SLS ON XX/XX/XXXX DATED XX/XX/XXXX WITHOUT POST MARK DATE EXHIBIT A. 
MORTGAGE STATEMENT WAS MAILED TO XXXX XXXX XXXX, XXXX, CA XXXX WAS MAILED AND ADDRESS TO XXXX NOT ATTORNEY. 
I CALLED SLS ON XX/XX/XXXX AND RECEIVED EMAIL ATTACHMENT STATEMENT MAILED TO UNDISCLOSED LOCATION. MY FIRST WRITTEN COMMUNICATION ATTACHED WAS ON XX/XX/XXXX AND DELIVERY CONFIRMATION. I DID NOT PROVIDE ANYTHING ABOUT MY ATTORNEY IN MY ATTACHED DISPUTE. 
STATEMENT DATED XX/XX/XXXX WAS MAILED BEFORE WE WERE CONTACTED AND BEFORE CONTACT SLS. 
THIS VIOLATION OF PRIVACY ACT OF 1974. 
FAILURE TO VALIDATE DEBT 15 U.S. Code 1692g - Validation of debts Response to my company states SLS paid {$3200.00} in les than 10 and violated Federal law failure to validate debt. I do not anything about what was paid, and I do not have any bills. If do not SLS violated federal law by not validating the debt.

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