Consumer complaint received 2022-03-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Around XX/XX/XXXX I received notice for past due account on mortgage loan that was sold by XXXX XXXX XXXX. 
Attached my response to the letter date XX/XX/XXXX which I dont have to response in detail. After getting the notice I called XXXX and they could not verify me with my information. I was informed information provide doe does not match the records. My adders on filed was different to XXXX has. 

VIOLATION IOF PRIVACY RIGHT ONE California privacy law has been violated California Consumer Privacy Act of XXXX and Federal Privacy Act of XXXX, as amended, 5 U.S.C. 552a. 

I d not when but came to know first violation by XXXX XXXX XXXX  around XXXX our address was changed to XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I only came of this violation when we open checking account. Agent who opened the account knew us and our address was the only reason address was changed to my address, attached For this violation my spouse and mine for many years. 

1. Mortgage statements to send this 2. Our loan modification documents were sent to this address 3. Our social security and other person send this address VIOLATION NOF PRIVACY RIGHT 2 Around XX/XX/XXXX our address was again changed to XXXX XXXX  XXXX XXXX, CA XXXX attach. 

Once again above documents and records was sent to this address Upon asking Specialized Loan Servicing why my information are not correct and email records to me. I gave my XXXX XXXX XXXX at one time I had. I was informed all information provided was not correct. 

I than requested to send information on file and I was emailed as I requested. That is how I came to know about second violation. 

I not able to speak to supervisor and only once around XX/XX/XXXX I spoke to supervisor XXXX who stated to me address belongs XXXX XXXX which he found from XXXX  XXXX  of CA because he is my attorney. I asked him to provide any letter that states that XXXX XXXX represents me. No records have been provided. 
When I received email with unknown address after XXXX was not able to verify it marked as bad address. 
There is nothing as bad address either wrong address or right attached. 

XXXX XXXX XXXX of XXXX added property tax, which was public nuisance, sewer, grange and so on and has no records at all, none whatsoever. I have been asking XXXX for close 10 years to provide records and since XX/XX/XXXX from Specialized Loan Servicing no neither has provide me record because they dont have any records. 

XXXX of XXXX also has stated to me they have no records at all. 

HOWEVER, I HAVE BEEN ASKED TO PAY FOR HAVING NO RECORDS. 

XXXX XXXX, XXXX and XXXX know what is public nuisance is and the amount for close 10 years I have been asking.. 

PAYMENT IS TO HIGH My loan balance is $ XXXX and my monthly mortgage payment is {$1000.00}. Several attorney fee of {$510.00} and {$590.00} has been added dont know what that is. Another {$15.00} added for inspection. 
I received estimate at {$90.00} loan my mortgage payment should bed {$420.00} attachh and for {$85.00} K its {$1000.00} is too excessive. 

NO ESCROW ACCOUNT When I reference my loan with XXXX XXXX XXXX  IN XXXX we agreed there will be no escrow account. I have bene asking escrow account since last 10 years for detail I have been refused. 

I have been asking XXXX  I do not escrow account and provide detail records that have been refused since XX/XX/XXXX. 

UNAPPLIED FUNDS There are several unapplied funds another of the tow reposed has corrected this for over 15 years and they have not been corrected. 

OFFRED TO PAY AND BRING CURRENT I have offer to pay past due and brig account current or to pay of the balance of {$85.00} I have no idea and received no reopen for past many months attachment. 

HOVER I HAVE REFUSED TO PAY ANY ESCROW ACCOUNT THEY NONE OF THE 3 ENTITY HAS ANY RECORDS. COUNTY PROVIDE ME RECORDS SUCH XXXX XXXX DOLLARS, XXXX XXXX DOLLARS AND SO ON WITH PAGES OF XXXX LONGS LIST ACCOUNT NUMBER EACH AND DOSE STATES MY ACCOUNT ONLY. 
Foregry our sigantire has been used to create documets that we did not sign for that 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