Consumer complaint received 2017-02-01
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I AM A SUCCESSOR IN INTEREST. 
XXXX XXXX, XXXX, the CFPB issued Bulletin XXXX, ( see attached ) which subject was the Implementation of Guidance for Certain Servicing Rules. 
It specifically speaks about, POLICIES AND PROCEDURES REGARDING SUCCESSORS IN INTEREST TO THE PROPERTY OF A DECEASED BORROWER. 
I AM A SUCCESSOR IN INTEREST. 

As well I am the OWNER, by RIGHT OF SURVIVORSHIP of the property being foreclosed by Specialize Loan Servicing, LLC. 

Since the death of my mother in XXXX of XXXX I 've been working to try to get Specialized Loan Servicing to send me a request for Mortgage Assistance Package as they said they would. On more than several occasions they said they would send the package to me and said many times that the package was in the mail and I never received anything from Specialized Loan Servicing. And in XXXX of XXXX they started to foreclose on my house. 

My mother and I owned the property as Joint Tenants ; when she passed away I became the sole owner with Right of Survivorship. I 've tried to tell Specialized Loan Servicing this over and over, but they say I need to go to Probate and I 've been told by XXXX attorneys that I do n't because I own the property by Right of Survivorship. 

Please see the attached the recorded Grant Deed. My mother and sister having deeded back to me in XXXX. Please see the attached the recorded Affidavit Death of Joint Tenant I tried to convey this to specialized loan servicing several times, I 've sent them the deed to the house three ( 3 ) times showing my ownership. I 've had to send it three ( 3 ) times because every time I call I get some when different, who is asking me for the same documentation over and over again. Then after several attempts specialized loan servicing told me that because I was not on the loan they could not send me any information. But I 've told them I do n't want information about the loan because my mother is dead and that I just want to work this out with them, so that I can sell the house and have time to relocate, because I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. 

I have a real estate agent who has had the property on the market since XXXX XXXX of XXXX. The house needs a lot of work ; I have had multiple offers for the purchase of the house and have actually accepted XXXX, but Specialized Loan Servicing is not sending me the necessary Request for Mortgage Assistance form, as they said they would for me to submit for the sale of the house. 

AS A SUCCESSOR IN INTEREST and OWNER, by RIGHT OF SURVIVORSHIP, I want Specialized Loan Servicing to send me a request for mortgage assistance package as they have said they would, and I just want to work this out with specialized loan servicing, so that I can sell the house and have time to relocate. I am XXXX ; my brother lives here and my elderly aunt and uncle live here also. My real estate agent has gotten me a good offer from a Buyer. I just want to sell the house so that we are not put in the street.

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