Consumer complaint received 2023-07-15
Company: Specialized Loan Servicing Holdings LLC
State: ND
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
We are vulnerable XXXX adults being mortgage defrauded by Specialized Loan Servicing XXXX LLC ( SLS ). Complaint Details 1. Received summons on XX/XX/XXXX, after refusing to sign the predatory loan. This is after going back and forth since XX/XX/XXXXXXXX  when we were notified mortgage company, XXXX, XXXX was initiating processes to file bankruptcy. An extension to answer was granted through XX/XX/XXXX. XXXX. Predatory loan was a packet to sign for a new loan account for a predatory higher amount. This was from a XXXX XXXX  who discussed a different conversation over the phone to initiate where XXXX XXXX XXXX XXXX off. Payments automatically withdrawn from XXXX, XXXX were current. After questioning the predatory loan and through many Qualified Written Requests ( QWR ), we received a document from Specialized Loan Servicing, LLC ( SLS ) that stated 'they deemed it necessary for a new POC or contact. It never happened. 3. After numerous discussions with SLS regarding service misconduct, misrepresentation, and fraud ( as SLS reported negatively to credit bureaus, and stated they were original loan servicers of which they are not ), through their attorney representation, we were served a summons/complaint which irrelevantly regarded information pulled from the internet of a XXXX loan that was paid in full. 4. Have requested through Qualified Written Requests ( QWR ) phone transcripts and documents to which SLS state 'they are not required ' to provide. 5. One requested document is how are we to access an account SLS says they have with us when they locked us out or coerce us tolinkto when we have not signed anything? Unless 'we sign paperwork ', agree to pay 'up front ', or 'link to ' we are locked out from accessing the account. Every SLS representative we have talked to, before asking for the harassing calls to stop, can not access the mortgage account either. Why is this and when were all locked from it? 6. SLS has an F rating with XXXX  due SLS 's own service misconduct, misrepresentation, predatory behaviors, and fraudulent reportings. 7. SLS took over after the mortgage company, XXXX, XXXX went bankrupt to which we had on-time payments. Due to actions done by Specialized Loan Servicing , LLC, such as reporting negative falsities to credit bureaus thus damaging our credit and causing undue duress, SLS has us in a damaging default-looking status. This has made it impossible for us to move forward. SLS is being hostile and putting forth fear of retaliation with foreclosure. 8. So it is known, SLS has pieced together their 'Evidence Packet ' with information from different items they could get off the internet. This is fraud. We are vulnerable elderly adults being taken advantage of and defraudedby SLS. 9. Relationship is beyond repair. We can provide additional information/documentation if requested. SLS has caused our family and home severe hardships. We ask for relief from SLS. We ask SLS to stop all foreclosure efforts. We ask to be made whole, including any costs, and to be free of fear/retaliation from SLS in losing our home. Please. Hear our plea. We are vulnerable elderly adults being defrauded by Specialized Loan Servicing , LLC ( SLS ). Please Help Us! Please! We beg you to help! We have documents to submit, but on this website it says not to as you will ask for them later. Because this was stated, we will submit those documents when requested.

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