Consumer complaint received 2015-08-20
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had my home mortgage with XXXX Bank with monthly payments of {$520.00} dollars. My mortgage got sold to SLS ( Specialized Loan Services Company with address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CO XXXX. SLS company has continuously increased my mortgage payment from {$520.00} up to {$2100.00} in some instances. Please refer to letter with a detailed description of each monthly payment and all monthly mortgage increases from SLS. I urgently need your help in order to resoleve this matter.XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXSpecialized Loan ServicesAttention : Executive DepartmentXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX, XXXX : Request for Loan Payment History from XX/XX/XXXX to XX/XX/XXXX and reasons for charging all " Other fees '', " corporate fees '' and many " other fees increasing my mortgage payment by 50 %. 
Dear Sir/Madam, My loan number XXXX was purchased from XXXX Bank by your company, SLS ( Specialized Loan Services ) since XX/XX/XXXX. I made my timely payment to XXXX for the months of XX/XX/XXXX and XX/XX/XXXX because I was unaware of my mortgage being sold by XXXX Bank to your company. Unfortunately your company did not credit my loan account. Instead your company over charged me retroactively for the months of XX/XX/XXXX and XX/XX/XXXX. 

Furthermore, your company has consistently increased my monthly mortgage payment in some cases from {$580.00} to {$2100.00}. Please see below a summary of my payments which I retrieved from my bank statements. Please notice that this list is " not-all inclusive ''. There were at least XXXX additional payments made via phone for which I did not see any credits to my loan number with your companyDATEMONTHLY MORTGAGE PAYMENT SET BY CLOSING DOCUMENTS WITH XXXX BANK MORTGAGE AMOUNT CHARGED BY SLS ( SPECIALIZED LOAN SERVICES ) MORTGAGE PAYMENTS MADE BY ME ( XXXX XXXX ) TO YOUR SLS COMPANY MORTGAGE AMOUNT INCREASE FORCED BY SLS ( SPECIALIZED LOAN SERVICES ) TO XXXX XXXX 'S MORTGAGE WITHOUT ANY ADVANCED NOTICE OR EXPLANATIONXX/XX/XXXX {$520.00} {$580.00} {$580.00} $ XXXX {$520.00} {$590.00} {$580.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$590.00} {$590.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$2100.00} {$2100.00} $ XXXX {$520.00} {$730.00} {$580.00} $ XXXX {$520.00} {$730.00} {$730.00} $ XXXX Mortgage Payments Made BY XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX TO SLS XXXX Mortgage Amounts charged by SLS from XX/XX/XXXX to XXXX XXXX mortgage amount increase by SLS and forced for payment to XXXX XXXX 's loan # XXXX $ XXXX Mortgage Amount from XXXX 2014 to XXXX 2015 XXXX XXXX only had to pay according to XXXX Bank Closing papers {$520.00} X XXXX Months = XXXX XXXX Mortgage Overpayment made by XXXX XXXX under demands and pressures of SLS ( Specialized Loan Services ) otherwise they threaten to foreclose on XXXX XXXX House $ XXXX $ XXXX {$2200.00} After reviewing table above it is obvious that SLS ( Specialized Loan Services Company is using predatory lending practices in order to force me into foreclosure. Furthermore, SLS ( Specialized Loan Services ) has deprived me from accessing my house since XX/XX/XXXX. Even though my mortgage paymen5ts were made on time until previous month, XX/XX/XXXX. The front door and locks of my house located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX, were changed by SLS Company. I had to drive back all the way from XXXX, XXXX to XXXX, XXXX where my son lives in order to have a place to stay. Despite my numerous phone calls, emails, faxes and letters sent via fax and certified mail, SLS ( Specialized Loan Services Company ) is still reluctant to let me into my own house and tot stop their overcharges.

Company response to consumer: Closed with explanation