Consumer complaint received 2021-04-22
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Specialized Loan Servicing LLC took over loan in XXXX from XXXX XXXX, I had reported then then in XXXX to CFPB and they straighten it out. I have a appraisal of {$780.00} XXXX and only borrowed {$150.00} XXXX with fixed rate on conforming good residential property.I have never been late. This company puts a draft into my account to be paid .I open mail to see a letter saying i am not making the correct amount of a payment HOW IS IT POSSIBLE THE DRAFT IS PAID AND I HAVE NO NOTICE OTHER THAN THIS XX/XX/XXXX SAYING I OWE {$1.00} I have the letters to send. When the bank shows there is no missing payment YET THIS PAPER SAYS BECAUSE IAM NOT PAYING THE CORRECT AMOUNT .The draft from them has never changed. AFTER 15 calls i finally in the last two days have spent 8 hours a day talking to them .They refuse to mail me anything that has dates amounts with what they have done. The last person i was transferred to is XXXX in the customer assistant section. You can not get phone numbers no one ever calls back YOU HAVE TO HOLD THEY ALL SAY THEY CAN NOT GIVE SPECIFIC INFORMATION OR MAIL OR EMAIL,,,,, ONLY customer service Even in the so called escalations dept they refused to send me any documents about what they are doing.One person not sure i have phone records her name XXXX said the only two letters sent was one in XX/XX/XXXX and one in XX/XX/XXXX saying i was behind in taxes .I paid {$1400.00} XX/XX/XXXX only having a small balance i paid all but a couple of XXXX the tax due in XX/XX/XXXX I SENT IN the bank received a refund .BECAUSE this company wants to create a way to attach my property illegally .I paid my taxes and my bank shows a refund from the tax people .SIS had no right to pay XX/XX/XXXX the money they admitted they had not called to see what was paid first. XXXX told me they created a escow account there is nothing i can do about it. I begged her for a fax number she said she did nt have one and it takes days to get looked at.I said both of us are paying the taxes and you did not have the right ... the amount was not due until XX/XX/XXXX THE LAST AMOUNT LEFT WAS PAID XX/XX/XXXX leaving only a couple of XXXX There was a couple of calls made but it sounded like a phishing call ... how can a lender operate without giving employees access to the files or disclose the information to the consumer PRIOR TO taking action .Then refusing to give details I said to XXXX isnt there a way to show my payments to the tax people she said no THE ONLY WAY IS TO HAVE THE TAX PEOPLE SAY THEY MADE A MISTAKE. The tax is above reproach doing a good job. The payments take time to be updated in the system .The mail has been affected with covid I had called their office in XX/XX/XXXX to see what programs they had for covid relief I was told there was none ... I dont know what they have done ... ... i only have this letter saying they have me owing for what i paid directly to the tax office .XXXX tried to say the tax people sent them a bill somehow i doubt that .Even if they did .Somewhere it has to show my payment ... I believe this is another scam.The facts of sending money are usually documented prior.The people at a real lending institution do not act so secretly..i can not get thru to tax people until after XXXX it says on the web site, ,i have a email to one of the la tax people because when i was sent refund i was not clear why???? they have suspended {$980.00} in a escrow account I asked XXXX did she get any fees sent to her from the escrow as this loan is only since XXXX or late XXXX she would not answer.I will get my hud statement I can send what they tried to do with loan care in XXXX until i caught them I spoke to the so called tax dept a nice girl who said she could not mail me anything, I will get the names and phone records to your office, SIS IS A PREDATORY LENDER NOT AFFRAID OF ANY AGENCY Its as if they are i hate to say what i think very strange to have these type of conversations in America PLEASE HELP THANK YOU

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