Consumer complaint received 2021-04-28
Company: Specialized Loan Servicing Holdings LLC
State: RI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I was one of the many people that were affected job wise by covide 19, now after numerous requests to my mortgage company they are not even bothering klooking at my situatuin and want to take my home, I am XXXX of XXXX, thisis the onlyt place i have left, and the mortgage company after numerous of lies, will not even review my petion for a workout plan I like so many others were affected by the pandemic in XXXX of XXXX At that time I worked 2 jobs ( XXXX ). And I lost one of my jobs causing a loss of income My mortgage company was offering a forbearance option that allow to put your mortgage payments on hold with the option to after workout a repayment agreement, I applied and I qualified, my mortgage company than 2 more times asked if I wanted to extended my forbearance which I did and qualified, My forbearance agreement is coming to an end of this month and at the end of XXXX I reached out to the mortgage company to ask some type of repayment plan or modification Only to receive a notice saying that they are not willing to help and the only options was foreclosure or short sale I am a single person, battling XXXX and still working 2 jobs in order to have my home, why would a bank offer to pause payments only to than deny any assistance to cover those payments and take someones home, I feel it was done in bad faith and deceiving people. 
This should not be allow by any bank, we all suffer from this pandemic ... no bank should take advantage of it by taking peoples homes I feel that i am being descriminated upon, from being a single woman suffering from a deadly diease ( XXXX ) and not doing well at all SLS has lied to me since XXXX, first by saying they were sending a package, only to receive denial letter, saying you had reviews my package, which was a lied, this happen 3 times,, than finally you did send me a package, i sent back, and the same day you received my package, ( per confirmation of customer service rept that i spoke with ) you sent a denial letter how can in compliance you reviwed my package, understood my hardship? without even looking at my documents? 
also not to mention that the fact that the RI housing comission had sent 5 3rd party authorizations, requested numerous requests to speak to someone and no one ever called or emailed him. 
the fact that i had a collection representative called me XXXX weeks ago, and was extremelly rude and treating, I have recorded and so should you, due to her attitude I ended up in the hospital that night with an anxiety attack because i could not breath ( i alaready have XXXX and XXXX issues ) this is unfair, unethical, descimination I am writing to you in regards to my numerous requests for a modification of my loan due to being affected by covid. 
After reaching out to SLS in XXXX to explain that I was back to work and I would like to work out some time of work out plan I was told a package would be send out to me, I never received such package and instead i received a denial letter, I then contacted SLS again and asked how can they make a decision without any factor and reasons, I was told again that another package would be mailed out, again never received one, and again received another denial letter. 
Finally on XX/XX/XXXX i spoke to someone and they sent me a package via email, which i sent back on XX/XX/XXXX, and was received by your company on XX/XX/XXXX, well today I received a letter dated XX/XX/XXXX, again with a denial of any type of work out package of any form. 
Please explain to me, how can you receive my documents, along with my hardship letter and on the same day you review the package and send out a denial letter, I am forwarding all this information to al the media outlets, this is not just unfair, its umanly, if they took the time to read and see my issue, I know something could be done, all my representatives in my state can not believe this is happening, my local TV station wants to interview me. 
My letter to the bank : I am writing this letter to request a mortgage modification that will allow me to continue to make my mortgage payments. Due to the impact of the stay-at-home order resulting from the Coronavirus pandemic, I lost my jobs temporary from XX/XX/XXXX to XXXX 2021my monthly income. 
I am a high-risk person, battling XXXX and the sole provider, for my home, and taking care of my only companion my dog that is also battling XXXX, and being home due to the pandemic cause a very hardship on my income and in my health as well. 
I reached out to SLS for a forbearance agreement which had been granted to me. And I am very thankful for it, but I would like to now find a solution to repay my mortgage and continue my payments. 
I would like to suggest an alternative that I have seen with other servicers and loan pools in allowing a first mortgage at a lower principal amount and a silent second mortgage. This approach provides for an affordable monthly payment. The servicer receives interest payments and upon future sale or refinancing full payment of the second mortgage. 
May we explore this alternative, " non-standard '' loan modification? Although, I would argue over the past four years this loan modification with a silent second or unpaid principal balance agreement has been more standard in securing a mutually acceptable and affordable retention plan. 
I understand that SLS had provided with a mortgage modification in XX/XX/XXXX when my divorce finally become final, and due to my divorce hardship, I went on and found a part time job XXXX in XX/XX/XXXX so I could have more income and my home business that I had to put on hold ( 3 years ) during my divorce, due to health reasons and XXXX, I finally started to work on that again in XXXX of XXXX, and I was able to keep up with the payment on time until I feel a month behind in XXXX of XXXX due to health issues, but I than caught up with my payments even on the forbearance agreement. 

I can be reached at XXXX any time after XXXX XXXX or by email at XXXX, Sincerely, XXXX XXXX

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