Consumer complaint received 2020-03-04
Company: Specialized Loan Servicing Holdings LLC
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My loan is thru SLS loan # XXXX Court Case # XXXX thru XXXX XXXX IA I fell behind on my loan payments after the unexpected death of my X husband XXXX XXXX XXXX in XX/XX/XXXX. My child support payments stopped after his death. Then on XX/XX/XXXX my entire WORLD was destroyed by the sudden & unexpected death of my XXXX old son XXXX XXXX XXXX. I was out of work for almost 2 months & I had to pay for entire funeral by myself since his dad had already passed. XXXX left behind his XXXX old son XXXX XXXX XXXX. His mothers rights had already been severed I adopted my grandson another expense I had to cover by myself. 
I contacted SLS to apply for a loan modification. This process was a DISASTER never did I speak to the same person when I called. I received letters almost monthly they were ALWAYS changing my contact person. So every time I called I got a new person & new story. I always sent in my paperwork they requested. Then I would call to follow up & whom ever I got to talk to that day would claim items were missing.. I received a letter stating my escrow account was short. Letter stated if I paid the shortage before due date my housepayment would not be increased. I mailed check in ( have proof ) it posted to my account before the deadline. But SLS still raised my houspayment by over {$300.00} per month. They never gave me credit on my statements for the escrow payments. I paid from my bank account 2 additional payments to bring my payments to only 1month behind. They return the funds back to my bank refused to count the over {$3000.00} escrow payment they cashed as part of my housepayments. I then contacted legal Aid XXXX XXXX to help me. He sent SLS a notice of error he sent it certified mail requied a receipt. They received it XX/XX/XXXX XXXX NEVER!! replied back until XX/XX/XXXX AFTER!! they filed the foreclosure on my home. I contacted SLS told them Im getting my home ready to sell They filed the foreclosure right before XXXX. I called them back in XXXX told the IF I invest over {$6000.00} into my home would they let me sell my home. Lady replied yes ITS ONLY PHASE 1 you can sell your home. I had to tell her MARK MY ACCOUNT im investing money into my home to get it ready to sell. I told her I would have it listed by XX/XX/XXXX. I have about {$100000.00} equity in my home. She replied in SMART XXXX TONE I marked your account your selling it. Never heard another thing from them until a sheriff deputy knocked on my door XX/XX/XXXX gave me notice my home had been set for auction for XX/XX/XXXX. I called SLS immediately ask them why did they do this & could I postpone Im selling my home. I was giving the run around & told I needed to mail them a letter. I DIDNT TRUST THEM it took them 8 months to respond to my notice of error. So I emailed their law firm listed on the paper work.. I emailed XXXX XXXX with XXXX XXXX asking them how could I get the sale delayed. She responed telling me I had to call SLS & get them to agree to delay & they would have to contact the law firm to get it delayed. She stated that was the only way a delay could be granted. So I then called SLS ask ( ANOTHER NEW PERSON ) how could I request a delay. He stated I had to go to court house go before a judge & ask him to grant me a delay. I told XXXX  YOUR WRONG!! I spoke to your companies law firm they told me SLS is only person who could ask for delay. XXXX replied Im just telling you what Im being told to tell you. I then called XXXX ask XXXX XXXX statement they mailed me ) if I pay the past due balance in full like it stated I could have my loan reinstated as the statement said. I was informed NO we sold your loan to XXXX XXXX. So I called them XX/XX/XXXX was told by them they hadnt received my paperwork yet to call back Monday XXXX & then he said they would have all my information & I could then try & get them to delay the sale that is set for XX/XX/XXXX. I never had a SPOC it was always a different person every month. I never received 31 day letter asking for 1 last chance to bring my loan current to avoid foreclosure. It took them 8 months to respond to my notice of error. And now they have added all these additional lawyers fee to my account all the while THEY DENIED ME MY RIGHTS FOR OVER 8 MONTHS. I as a last resort contacted XXXX XXXX with Hope Now begging for help. He said to file complaint & he would ask XXXX XXXX to delay the sale but they wont even have my paper work until XX/XX/XXXX. What SLS did was ignore me & denied my legal rights thru out this entire process. PLEASE HELP ME STOP THE FORCED AUCTION SET FOR MY HOME ON XX/XX/XXXX & let me sell my home pay off my loan I dont believe I should have to pay 1 legal fee SLS has applied to my loan because they denied me my legal rights thru out this entire process.

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