Consumer complaint received 2017-02-18
Company: Specialized Loan Servicing Holdings LLC
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold in XX/XX/XXXX from XXXX to Specialized Loan Servicing LLC ( SLS ). I contacted SLS regarding an application for a loan modification due to some unforeseen circumstances that had happened regarding my home. They mailed me out an application and I also printed one from their online website. I contacted them regarding how I should return the application. The lady said I could mail it to the address on the application, email it to the address on the application, or fax it to the number on the application. Since I had pictures to attach to the application I decided it would be best just to send it via email. The email address they gave was XXXXXXXXXXXX. Every time I sent an email I got a confirmation email back saying my documents were received and waiting to be processed. Starting on XX/XX/XXXX, I started receiving calls from SLS 's main number XXXX the caller identified herself on my voice mail as XXXX XXXX with the underwriting department at Specialized Loan Servicing. After a few days of phone tag, we were finally able to touch base. I spoke with XXXX on XX/XX/XXXX and she was wanting to discuss my modification approval for a HAMP modification. She also said the paperwork had been mailed out but since I had n't gotten it she would email it to me and that I would n't be able to open the email without a code and the code would be my social security number. She said this was for my protection. I received the paperwork and looked it over. The loan number on the paperwork was mine, the amounts added up, the phone numbers were to SLS so everything seemed legit especially since the only people who have my loan number were me and SLS. Remember loan numbers are NOT public information. I signed the document and sent it back to SLS 's email at XXXXXXXXXXXX and got a confirmation email back saying it was received and being processed. I also made 2 payments towards my trial period payments totaling {$1200.00}. On XX/XX/XXXX, I received a call from SLS touching base to see how things were going and to let me know they were missing some documents to finish up a loan modification. I told him I always spoke with XXXX, he said that XXXX worked out of their XXXX office and it was only by chance that I always got her. I explained I had already signed a modification agreement with them that XXXX had sent me and made 2 of my three trial period payments. He looked at the agreement ( 6 days after they received it ) and told me it was n't something they had sent me. Then tells me the numbers on the agreement were n't to SLS he said that the number for where my loan was at was XXXX. Obviously, XXXX did n't have very good XXXX because that is the exact number that was on my papers. I have made a report with my local sheriff 's office, the white collar crimes division of the FBI, and the fraud department with HAMP.

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