Consumer complaint received 2015-08-11
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I submitted a HAMP modification application. While XXXXmy application was pending, in XX/XX/XXXX, I contacted my SLS Point of Contact to inform SLS that my wife 's income source had changed. The SLS Point of Contact suggested that I re-send the income portion of the RMA to reflect the updated information. I followed his suggestion and re-submitted the RMA in XX/XX/XXXX. When I subsequently called to follow up, I was told by a different SLS representative that they did not accept the updated information, and that I needed to re-submit an entire new application. I then submitted a complete new application on XX/XX/XXXX. Yet another SLS representative confirmed receipt of my application, but told me that there was an outstanding issue regarding my ex-wife. I explained that I had been divorced for over five years, that the property was awarded to me in the divorce settlement, that my ex-wife had returned to XXXX permanently, and that I had already provided SLS with, on numerous occasions, the divorce decree and quitclaim deed executed by my ex-wife. When informed of this, the SLS representative told me that he would accelerate the case with my supervisors. When I called back to follow up two weeks later, I was told that the issue had not been resolved, and that I would need to re-submit an entirely new modification application, despite the fact that it had been less than a month from my previous complete submission. I sent yet another complete modification submission on XX/XX/XXXX, but my Point of Contact did not return repeated messages to confirm receipt. In XXXX I received a letter from SLS denying me for all programs because " you did not provide us with the documents requested '' and reference an alleged prior missing document letter that I never received. It seems as though SLS based their denial on the XX/XX/XXXX submission and never even reviewed the three XXXX 3 XXXX more recent modification applications that they themselves requested and they did so despite numerous telephone conversations discussing the new information that was provided, and confirmation from their representatives that the requested documents were received. I again spoke with an SLS rep ( " XXXX '' ) on XX/XX/XXXX, who told me that it was my fault that I submitted the wrong documents to SLS, and that my updated documents could not replace the original RMA submitted in XXXX. She told me that once again I needed to submit an entirely new application for modification. I submitted an updated, complete, new package once again on XX/XX/XXXX via XXXX. Three days later, I received a letter from SLS ( attached ) confirming documents received, but incredibly, the letter references the documents I submitted back in XXXX instead of the updated documents! 
I have complied with four separate requests for complete new packages since XX/XX/XXXX and yet, apparently, SLS has not updated their system to reflect all the new information provided. Instead, they cause needless delay while the foreclosure moves forward. Please help.

Company response to consumer: Closed with explanation