Consumer complaint received 2016-09-02
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX, XXXX - First Request and XXXX XXXX, XXXX - Second Request To : SLS RE : XXXX AND XXXX XXXX XXXX XXXX XXXX , CA XXXX BANKRUPTCY CASE # XXXX LOAN # XXXX PAYMENTS CONFIRMATION This letter addresses the following : 1 ) Issue : Incorrect information provided to The United States Bankruptcy Court regarding missed mortgage payments. Desired result : Notify the United States Bankruptcy Court that the information you have previously provided is a mistake and we are current on our payments. 

2 ) Issue : Incorrect information reported to Credit Bureaus regarding missed mortgage payments. Desired result : Remove the falsely reported debts with the Credit Bureaus. 


To whom it may concern : 1. Incorrect information provided to The United States Bankruptcy Court regarding missed mortgage payments. 

On the document received on XXXX XXXX, XXXX ( document attached ), it states that I have a passed due amount of {$19000.00}. I called your customer service and it was explained to me that the past due balance was to cover a mortgage payment balance that exceeded the amount that was paid and covered under a bankruptcy, Chapter XXXX court pre-payment Plan. The amount paid to the Trustee under this Plan was {$28000.00}, and should have covered all past-due mortgage payments. 

At the same time, once the bankruptcy was filed, The United States Bankruptcy Court ordered me to continue making my monthly mortgage payments directly to XXXX XXXX XXXX, which I did. It appears that your records have not been updated to reflect the payments that were made to the Trustee as part of the Bankruptcy to cover all past-due payments. Therefore, it is incorrect for you to try to collect for these payments by basically applying current payments to this past due debt which is why you are showing me as past due for 5 months. 

Please provide me with your accounting records to show what payments you claim I have missed. Since XXXX XXXX, I have made my mortgage payments directly to Specialized Loan Servicing and have never missed a payment for which you are attempting to collect. I have attached a spreadsheet which shows all the payments that I have made directly to you and XXXX XXXX XXXX. Additionally, I 'm sending you copy of checks and XXXX XXXX Receipts as proof of the payments. 

We ask that you : - Please make the necessary changes to your records to show that our mortgage payments are current. 
- Notify the United States Bankruptcy Court that the information you have previously provided is a mistake and we are current on our payments. 
- Immediately contact the U.S. Credit Bureaus to remove the falsely reported debts from our credit report as this greatly affecting our credit scores. 

If you need any additional information, please do not hesitate to contact me at XXXX. 

Thank you, XXXX & XXXX XXXX XXXX XXXX, XXXX SPECIALIZED LOAN SERVICING LLC Structure Asset Mortgage Investments XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Attn : Customer Care Support RE : XXXX XXXX After reading your letter dated XXXX XXXX, XXXX, you are mentioning that you has complied with the requirements in accordance with Fair Credit Report Act ( FCRA ). We still consider that the information you provided to the credit bureaus is incorrect. We have been paying our mortgage payments since we were instructed by the United States Bankruptcy Court on XXXX XXXX after we filed a Chapter XXXX bankruptcy case. The first payment was made to XXXX XXXX XXXX on XXXX/XXXX/XXXX for the amount of {$3100.00}, from then and on, we continued making our monthly payment until the account was transferred to you on XXXX XXXX. 
I am sending you as much information I can submit. Although, I already sent you all of the same document via snail mail. Please let me know if you need anything else. 

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