Consumer complaint received 2017-02-11
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, I am XXXX years old and XXXX. My wife a banded our home on or about XX/XX/XXXX. She told me that I was a good man, she did not love me. She told the new dinning room set, new bedroom set, new living room set, our new flat screen TV, and the XXXX Truck which was a gift from her and my children and left me. 
On XX/XX/XXXX I applied for a divorce with Legal Aide. They help me to reply to her attorney 's request : I want the house, half of her retirement from XXXX, and half of her retirement from XXXX XXXX XXXX. 
I did not make a mortgage payments for XX/XX/XXXX and XX/XX/XXXX, because I had to pay attorney the Law Office of XXXX XXXX XXXX due to Legal Aide not being able to help me due to no funds being available. 
XXXX XXXX XXXX had been my mortgage company for about 30 years, I made payment from my XXXX XXXX XXXX checking account. 
My nightmare began not being able to pay the XXXX XXXX School Taxes. When I went to make payment on XX/XX/XXXX for the amount of {$640.00} I was informed by the XXXX Tax Office clerk the balance had been paid in full already, I asked her who paid for them I asked, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. You have to request the money we gave you credit for being approved because of your XXXX. 

On XX/XX/XXXX I went to XXXX XXXX XXXX, their representative called the XXXX, I spoke with their mortgage representative who told me I a made the payment of {$640.00} before XX/XX/XXXX they would not make the Escrow Tax account and my payments would continue to be my regular monthly payments of {$640.00} per month. XXXX XXXX XXXX made an automatic payment to the mortgage account XXXX instead to the escrow tax account, because of this error XXXX XXXX XXXX made an escrow account for 5 years. 
I had only 3 years to finish paying my mortgage and due to the unethical error made by the automatic payment applied to the mortgage loan payment instead of the escrow tax payment XXXX XXXX XXXX increase my contractual remaining term to 5 years and 8 months, and it increased my mortgage payment from {$640.00} to 1 payment of {$850.00} w paid in XX/XX/XXXX and my new monthly payments starting XX/XX/XXXX would be {$780.00} per month. 

On XX/XX/XXXX I went to pay my mortgage payment for {$780.00} and I was told by the teller my account had been sold to another company. I was to speak with a XXXX XXXX XXXX representative. I was told I would have to contact SLS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX to make the payment. I got home and called the 3 times that day and a representative answered and call was disconnected each time. A week later I received a letter stating that XXXX XXXX XXXX has been transferred, effective XX/XX/XXXX to a new servicer, will be collecting my mortgage loan payments. No other term of your note and mortgage will change. I received a bill for XXXX which has to be paid in full. My monthly payment or {$1100.00} per month. 
Yesterday someone from the mortgage company came to take pictures. My house is for for closer. Please Help Me Save My House! 
Thank you, XXXX XXXX Cell # 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