Consumer complaint received 2015-11-05
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello again, My name is XXXX XXXX XXXX XXXX -address XXXX XXXX XXXX XXXX XXXX. I have XXXX case numbers with you XXXX submitted XX/XX/XXXX. # XXXX submitted XX/XX/XXXX. And # XXXX submitted XX/XX/XXXX. I believe they are the same complaint regarding our mortgage company SLS but just e-mailed to different addresses. 

Today is as new complaint- I came home to open an envelope from SLS- Now mind you I have been waiting since XX/XX/XXXX for a response to a short sale offer submitted on XX/XX/XXXX. SLS boldly stated that they have denied my short sale because I never produced the document package they wanted in time. Well they are STUPID- I have a law firm working " closely '' with them. My lawyer made sure each document was carefully sent withing ten days. XX/XX/XXXX the offer was drawn and ALL documents were faxed to SLS on XX/XX/XXXX!. By XX/XX/XXXX, I received a letter from SLS stating that ALL documents have been received and the list shows form # s and dates rec 'd and I should hear from them within 30 days. So when I called SLS XX/XX/XXXX due to the denial I said '' I have proof from you that you received all documents ''. She says oh no all the faxes to us were blank pages and gave dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of blank faxes to them. I said that is BULL because I have proof right here stating you have received them all!. She then said that the letter is a generated letter that goes out. So I HAVE DATES AND DOCUMENTS THEY RECEIVED BUT THE FAXES WERE BLANK!!!! HOW DECEITFUL IS THIS COMPANY!!!!!!! They are CLEARLY FULL OF : LIES!!! I said who is handling my case -her- um nobody, where is my file? her-um nobody has it. So Again FULL OF IT! I then called my lawyer who states that she called SLS and got confirmation on XX/XX/XXXX that they received the fax. She did not get a name but has my file and entries. I am soo over whelmed by SLS stupidity. Am I just supposed to let them keep messing with my life and sanity. I was so looking forward to finally putting this nightmare behind us and starting new. I was so excited to finally having another short-sale offer on this dump of a home! The roof is leaking and my driveway is a hazard to children and adults who have tripped and twisted ankles several times! To have any offer is a miracle more this house needs major work! 

Now I am XXXX behind in payments because SLS has denied 4 gov program attempts that EACH took over 6mon for them deny- { so 2yrs } and XXXX short-sale offers Since XX/XX/XXXX. Dont forget the 3 attempts of my DEED in LIEU I have requested and got DENIED! 

WHERE ARE MY RIGHTS, JUST, RIGHTEOUS, MORALS, ETHICS, INTEGRITY AND MORE- IN ALL THIS?!!! WHEN ARE THEY GOING TO BE PENALIZED AND PAY FOR WHAT THEY ARE DOING?? WHEN WILL THEY HONOR MY REQUESTS OF LOWER MORTGAGE RATE-SELLING OF THIS HOUSE OR MY DEED IN LIEU? I NEED TO GET ANSWERS AND I NEED TO KEEP FIGHTING THEM-THEY STINK AND I NEED YOU TO STEP IN AND DO SOMETHING ABOUT THIS IMMEDIATELY. I CANT LET THEM WIN IT IS A DISGRACE WHAT HAS HAPPENED AND I REFUSE- REFUSE-REFUSE TO LET THEM WIN! I sincerely hope you do not respond with your complaint has been forwarded to SLS for investigation because as the nightmare goes-NO ONE IS TAKING CARE OF THIS ON THEIR PART!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation