Consumer complaint received 2017-03-01
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Lender / Servicer : Specialized Loan Service ( " Servicer '' or " SLS '' ) Property Address : By email : XXXX To : Distribution Dear Sir / Madam, 1. Multiple Requests for Mortgage Assistance ( RMAs ) submitted. Specialized Loan Service ( Servicer ) ( " SLS '' ) has erred by not evaluating my ( several ) loss mitigation application ( s ) in accordance with RESPA and CFPA. I have submitted several Requests for Mortgage Assistance ( RMAs ), in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
a. Errors. SLS has imposed in each of my RMAs requirements to submit documents : 1 ) not applicable, 2 ) and/or not required for my circumstances ; 3 ) and/or have previously been submitted ; in violation of RESPA and CFPA. 
( 1 ) SLS in the above ( 4 ) RMAs continually requests documents relating to my estranged spouse, even though that person : ( a ) Has not occupied or lived in the Property Address since XX/XX/XXXX ; ( b ) Has not contributed to the mortgage since at least XX/XX/XXXX ; ( c ) Has surrendered interest in the Property Address in a XX/XX/XXXX federal bankruptcy proceeding ; ( d ) Has been discharged from liability on mortgage by a XX/XX/XXXX federal bankruptcy court order ; and ( e ) Is precluded by court order from using the Property Address ( 2 ) I have on multiple occasions provided XXXX the following documents to demonstrate that my estranged spouse is a non-occupying, non-contributing, former borrower, who has no liability on loan number ( a ) XX/XX/XXXX-present rental agreement for a residence other than the Property Address ; ( b ) Discharge order in federal bankruptcy case ( entered XX/XX/XXXX ) ; ( c ) Credit report ( s ) demonstrating residence at an address not the Property Address ; and ( d ) Court order giving me ( temporary ) exclusive use of the Property Address Despite my claims and supporting documents, SLS in all ( 4 ) of the above RMAs repeatedly and continually asks me for documents about the non-occupying, non-contributing, former borrower, who has no liability on loan number, and to which I have no access, and can not provide. Such repeated requests include documents about income, liabilities, assets, taxes, and unemployment, for the non-occupying, non-contributing, former borrower, who has no liability on loan number. 
b. Failure to evaluate a complete loss mitigation application. SLS has requested the same documentation several times, to which I have responded each time. In every case, SLS has failed to evaluate me for mortgage assistance because I can not provide requested documentation to which I have no access, which is not applicable, and/or not required, and/or has been submitted previously. 
c. Failure to provide accurate information. SLS is continually requiring a signature and/or information from a party unnecessarily. SLS continues to require financial information for a non-occupying, non-contributing, former borrower, who has no liability on loan number. 
d. Dual tracking. SLS has engage in improper dual tracking by filing a motion for relief in bankruptcy case no. ( Bkr. E.D. XXXX Va. ) while complete loss mitigation application ( s ) are pending. Further, SLS has sent multiple Notice of Default and Notice of Intent to Foreclose letters while multiple loss mitigation applications are pending. 
e. Failure to Respond to XXXX. SLS has failed to acknowledge and failed to respond to my multiple Requests for Information sent on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
2. Conclusion and desired resolution. For the above reasons, SLS is in error and not in compliance with RESPA and CFPA. I desire SLS to remove my estranged spouse from the loan and designate me as the primary and sole borrower, process fully and completely evaluate my application for a loan modification, and respond to my repeated requests for information.

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