Consumer complaint received 2016-06-10
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was transferred to be serviced by SLS in XXXX XXXX. 
Prior to the transfer I was working with XXXX to have my loan modified. 
After many disputes with SLS ( loan servicer ) I received a notice from them date XXXX XXXX for a trial period modification Plan. I later received a letter of a designated contact to guide me through this process his name and phone number provided. The trial consisted of there payments in the amount of XXXX prior to making the first payment I contacted my designated contact XXXX . This letter was dated XXXX/XXXX/XXXX but I did not get it until toward the end of the month. After speaking with XXXX he told me that I did not need to make my payment for XXXX just begin by making my payment on XXXX XXXX for the trial. Additionally prior to my receiving information regarding my modification I had been dispute with my mortgage company regarding my payment so it was more than XXXX. I made my first trial payment on XXXX XXXX for XXXX. My second payment in the same amount for XXXX and XXXX. 
When I made my last payment I contacted my designated contact person and inquired to the fact what happens next and what do I do for the XXXX payment it was specified in the trial document. He told me I should be receiving my modification document soon. I did within a few days from the conversation. I received the modification agreement, the agreement was dated for the XXXX of XXXX XXXX just on the summary page. Non of the other pages were dated. I contacted XXXX regarding the wording of the document as to when my payments would begin we concluded on XXXX XXXX. He stated I received this document because I had completed my trial and made payments as indicated in the agreement. So I did not make a XXXX payment but I did make my XXXX and XXXX ( XXXX ) payments. 
Therefore all payments were make according to the agreement. I had the agreement notarized on the XXXX of XXXX and sent overnight via a package they sent me ( I have the receipt ). I tracked the package and indeed it was received by them. I waited and kept checking my account nothing has been updated yet. The representative when I called would transfer me to a voice mail. I finally got someone who told me I had denied the modification, I sent a dispute. I then on XXXX XXXX received a default letter on my loan. So this complaint is about an agreement that is not being honored and the fact that I have made all the payments required, and it does not appear they are being applied to my loan. I am requesting your assistance in settling this before I initiate litigation against this company In regards to the questions below not sure how to answer. I have received a default letter but I have made payments which have not been applied. 
I will send you a list. I believe the default in error. The right hand does not know what the left is doing. Additionally, I have hired an attorney to tentatively look into this. I am requesting your assistance as as well. So I have done all they have asked. They are not honoring their portion of the agreement. Attached are my documents

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