Consumer complaint received 2016-09-29
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX I took a 1st & 2nd loan with XXXX. I paid both off, Deed of Reconveyance was filed on first on XXXX/XXXX/XXXX. XXXX transposed XXXX numbers in the recording number to me, plus the XXXX County Auditors miss filed the Deed of Reconveyance for almost 2 years. During this time XXXX demanded payments, after getting bad legal advice I made payments to them ~ 2 years, until they got proof my loan was paid off & had a full accounting of the loan. Litigation followed, XXXX could not produce a full accounting of the loan or provide proof they were the note holder. They abandoned their collection efforts & refused to refund my {$120000.00}. 
Than XXXX XXXX XXXX did the same things. Once again litigation followed & they could not prove they were the note holder & could not produce a full accounting of the loan from it 's inception either. I refused to make any payments to them. They too abandoned their collection efforts. 
Now in XXXX XXXX, XXXX illegally acting as a trustee for a make believe trust called : XXXX XXXX ARM TRUST, MORTGAGE PASS-THROUGH CERTIFICATES, XXXX XXXX, ( XXXX XXXX ). This was delisted on XXXX/XXXX/XXXX. See XXXX Also in XXXX XXXX, XXXX did a illegal Assignment of Deed to Trust to Wells as the trustee for XXXX XXXX & the address they used : XXXX, SC XXXX has been another business for 20 years! 
The trustee who is acting on XXXX behalf, is : XXXX, WA XXXX. Phone : XXXX. 
Washington : XXXX California : XXXX Nevada : XXXX filed an illegal Notice of Trustee Sale ( NTS ) on my chain of title on XXXX/XXXX/XXXX. He violating the Deeds of Trust Act in Washington, XXXX XXXX by NOT validating that it was a true debt, by NOT serving pre forclusre statements & by NOT serving a Notice of Default. 
I immediately sent a Cease & Desist and a 10 day Demand for Debt Validation, this is also a Qualified Written Request, ( QWR ) under and I Fully Dispute said debt under : 1 ) Real Estate Settlement Procedures Act, ( RESPA ) 12 USC Chapter 27, section 2605 ( e ) ( 1 ) ( B ). 
2 ) Fair Debt Collection Practice Act, ( FDCPA ) 15 USC Chapter 41, section 1692g ( a ) ( 4 ) ( 5 ) & ( b ). 
And I demanded Presentment under the UCC to see the original note. Therefore ; I demand a PRESENTMENT AND VALIDATION of the original Note & debt in person within 10 days of your earliest receipt of this Demand letter/ QWR, per U.C.C. , RCW XXXX, Presentment. Id, ( 2 ) ( i ) is very clear, you must exhibit original instrument to me. Also under the U.C.C., RCW 62A.9A-406 ( 3 ) ( C ) ( c ) Proof of Assignment. You must clearly show the full privity and each assignment from XXXX to XXXX XXXX. Failure to do so allows me to as the " alleged account debtor '' to DISCHARGE " my obligation '' and pay the true assignor. " IF '' any debt truly exists! Within this presentment, I demand to see proof of all assignments of said note, with full privity from XXXX to XXXX XXXX, along with any alonges to note as well, under Id. Also I demand a certified true copy of said note with a proper Deceleration of it 's authenticity per the FRCP of the note and any alonges as well. Along with a full accounting of ALL money transactions on said note including any monies ( considerations ) in the purchase and transfers of said Note and Deed of Trust to all parities in privity. 

This was sent to XXXX XXXX and XXXX. Both ignored. XXXX & Specialized Loan Servicing ( SLS ) are continuing with this illegal foreclosure. SLS # 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