Consumer complaint received 2022-07-14
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The complaint is inregard to the manner of the bankruptcy and the accounting which was within the obligation under federal bankruptcy law to comply with the requirement of the mandatory discharge injunction. 

Thus there is a violation within the federal bankruptcy law and your compliance with the mandatory discharge injunction. Further the discharge is not NOTED by your officially and date as of XX/XX/XXXX but the Bankruptcy Discharge Date within the Court and Ordered by the Judge is indicated within the court and was sent to your company as XX/XX/XXXX. 

Thus you are requested to ensure that the date you have as discharge is proper and also that the discharge amount is proper as to the manner of the accounting which you still claim to be owed although the debtor is not liable for the debt but the lien as stated within the response. So please let me know EXACTLY when the DISCHARGE DATE AND THE PROPER ACCOUNTING OF THE FEES AND ALL THAT YOU WERE REQUESTED TO BE DISCHARGED BY THE COURT AS WE HAE THE DOCUMENTS BUT YOU DID NOT PROVIDE WITHIN YOUR ACCOUNT THE EXACT AMOUNT OF THE DISCHARGE WHICH YOU WERE TO RELEASE AND THUS THE LIEN ONLY WOULD BE WITHIN THE AMOUNT. SO PLEASE SEND THE INFORMATION AS TO A QUALIFIED WRITTEN REQUEST WITHIN THE FIVE DAY PERIOD AS THE LOAN IS WITHIN THE COMPLAINT AND THE ADDRESS OF THE PROPERTY AS WELL IS WITHIN THE COMPLAINT SO I CAN THEN BE ABLE TO COMPLETE THE QUALIFIED WRITTEN REQUEST WITH THE PROPER KNOWING OF THE EXACT AMOUNT OWED FOR THE LOAN NOW AND AFTER THE EXACT DATE OF THE DISCHARGE WHICH WAS NOT IN XX/XX/XXXX BUT XX/XX/XXXX AS THE ORDER WOULD BE WITHIN YOUR FILES AND THE DISCHARGE AS TO THE AMOUNT AS WELL AS PER YOUR CLAIM FILED IN THE BANKRUPTCY COURT FOR PROPER ACCOUNTING. 

PLEASE ENSURE THAT THE PROPER MANNER OF ACCOUNT FOR THE AMOUNT AND AFTER THE BANKRUPTCY DISCHARGE IN XX/XX/XXXX AND NOT XX/XX/XXXX IS WITHIN THE MANNER OF PROPER AND THUS TO ENSURE THE XX/XX/XXXX PAYMENTS THAT YOU HAVE STATED THE ACCOUNT IS BASED ON FOR CONTRACTUAL MONTHLY PAYMENT IS ACCURATE UNDER THE FEDERAL BANKRUPTCY RULES AND DISCHARGE OF DEBTS AS TO THE LIEN ONLY REMAINING. 

FURTHER YOU NOTED THAT THE " mortgage loan account was transferred to SLS on XX/XX/XXXX '' THUS THE DISCHARGE WAS WITHIN THE XX/XX/XXXX SO PLEASE ENSURE THAT ALL THE DEBTS WITHIN THE PRIOR MORTGAGE SERVICER WAS XXXX TO THE AMOUNT WITHIN YOUR FILES AS THERE ARE DEFINITE DISCREPANCIES AS OF THE DATES OF DISCHARGE AND THE AMOUNT THAT AFTER A REVIEW IS APPEARING TO BE COMPLETELY INACCURATE AS TO OUR OWN RECORDS AND YOUR CLAIM FILED IN THE BANKRUPTCY COURT. 

YOUR OFFER OF THE SUBSTANTIATION OF THE XXXX DEBT AS WAS REQUESTED IS NOW BEING QUESTIONABLE AS TO THE ABOVE THUSI WOULD APPRECIATE XXXX ENSURING THAT THE DATE AND THE ORDER AND THE AMOUNT XXXX AS PER THE COURT BE PROVIDED IMMEDIATELY AND THE NEW ACCOUNTING IS SENT AS WELL AS WAS SUGGESTED TO ENLIST A BANKRUPTCY ATTORNEY FOR THE DISCHARGE AMOUNT IT WOULD BE BEST TO ENSURE THAT YOUR ACCOUNTING IS IN PROPER AND NOT IN A VIOLATION OF THE LAW AS IT APPEAR TO BE WITHIN THE ORDER ON XX/XX/XXXX. 

AS YOU STATED WITHIN THE LETTER THAT " Only your personal liability was XXXX '' AND IT FURTHER STATED AS A DATE " XX/XX/XXXX ; however the XXXX against the property remains. '' THUS THE PERSONAL LIABILITY WHICH WAS XXXX AND THUS THE XXXX AMOUNT AGAINST THE PROPERTY AS OF THIS DATE WITH THE DISCHARGE DATE OF XX/XX/XXXX AND NOT XX/XX/XXXX. 

THUS A COMPLETE RESTRUCTURING OF THE ACCOUNT FOR THE DEBT RELIEF AND ALL THE FORCED PLACE INSURANCE AS TAKEN OUR WITHIN MY KNOWLEDGE TO BE REVERSE IMMEDIATELY AND ANY OTHER FEES CHARGED BASED ON YOUR SPREAD SHEET AND IN VIOLATION OF THE BANKRUPTCY ORDER AND THUS THE MANNER OF THE ACCOUNTING WHICH WAS NOT WITHIN THE TIME OF THE ORDER AND THUS BEYOND IN A MANNER OF A VIOLATION OF THE BANKRUPTCY RULES AND LAWS UNDER THE MANDATORY AND STRICT LAW TO BE ADHERED TO WHEN A DEBT IS XXXX WITH THE DEBTOR IT IS WITHIN THE ORDER AND NOT AT THE TIME SLS DECIDES TO RELEASE THE PERSONAL/DEBT AND THE XXXX ONLY IS LEFT TO BE PAID BUT YOU STILL DID NOT STATE THE PROPERTY XXXX AMOUNT XXXX TO SEND A NOTE ( XXXX ) AND DID NOT PROVIDE THE RELIEF THE DEBTOR WAS GRANTED WITHIN YOUR FILES AND THUS BOTH IS NEEDED AND THE REMOVAL OF THE FORCE PLACE INSURANCE AS TO THE DATE OF THE DISCHARGE AS WELL AS THE YEAR THAT IT TOOK TO ENSURE THE LIABILITY IS REMOVED AND THE XXXX AMOUNT CAN THEN BE PAID WITHIN THE PROPER ACCOUNT OF THE DEBTOR OR TO BE MODIFIED AS TO THE PROPER MANNER AND EXACT AMOUNT AT THE TIME OF THE RESTRUCTURING/RECOUNTING OF THE ENTIRE ACCOUNT AND AS OF THE RELEASE OF THE DEBT TO THIS DATE WHEN YOU PROVIDE YOUR RESPONSE THE XXXX AND THE DEBT XXXX WELL AS THE TIME OF THE RELEASE AND THE AMOUNT IS TO BE IN COMPLETE AND FINAL FORM AS TO THE LACK OF FURTHER VIOLATION WITH THE LAW OF THE BANKRUPTCY AS A FEDERAL VIOLATION WITHIN THE COURT IS CAUSE FOR A SUBSTANTIAL AMOUNT OF FEES. THUS YOUR RESPONSE WITHIN THE TIME ALLOWED AS WELL AS THE PROPER MANNER OF ACCOUNT FOR THE COMPLAINANT IS IMPERATIVE AND MUST BE CONDUCIVE TO THE ACCOUNT OF THE PROPERTY OWNER OF THE ADDRESS KNOWN AT 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