Consumer complaint received 2017-06-30
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The purpose of this e-mail is to request your assistance with holding my mortgage company accountable for the unscrupulous practices with overcharging me for my mortgage payments/foreclosure charges. When my mortgage loan was transferred from XXXX XXXX XXXX to Specialized Loan Servicing ( SLS ) XX/XX/XXXX, I received my initial correspondence from SLS indicating that I was past due for three months ( XX/XX/XXXX., XX/XX/XXXX., XX/XX/XXXX ). I immediately faxed them copies of my canceled checks made payable to XXXX XXXX showing that those payments had been paid. From XX/XX/XXXX forward, I must have spoken with ten or more representatives with SLS trying to mire through the confusion of those three payments. I finally spoke with a rep. by the name of XXXX, who informed me that the copies of my payments were hidden in a folder and apparently the other reps. overlooked the copies. <P/>However, additional late statements continued after speaking with XXXX ; and I proceeded to explain to the other reps. that XXXX had located my copies, yet this did n't matter because they continued with the late notices for those three payments. Sometime around the XX/XX/XXXX, I received a letter from SLS 's attorney informing me that my property would be foreclosed if I did n't bring my loan current. At that time, I submitted to SLS 's attorney, copies of my three canceled checks indicating the outstanding amount had been paid to XXXX XXXX XXXX. Although I never received a response from their attorney, I did  receive a letter from SLS stating they would review my records again, but I did n't receive anything from them regarding their review of my records. Now, they were alleging that I was nine months past due even though I had n't missed any payments with SLS A few days later, I received a final notice from their attorney stating they would foreclose on my property if I did n't submit a payment of {$8900.00} by XX/XX/XXXX. Upon receiving that letter, I phoned the mortgage company ( SLS ) pleading with them to give me time to secure an attorney, but I was told that even with an attorney, they would continue with the foreclosure. Therefore, I felt the only recourse would be to pay the {$8900.00} and later have an attorney work to resolve the matter and have my money recovered. As of XX/XX/XXXX, I have hired an attorney to help with recovering my money from this unscrupulous mortgage company. After making the payment, they then informed me they had not received the payment. I was panicking because I thought this was their way of trying to take my home even though I sent the payment. I was instructed to send a copy of my certified check proving that I had actually submitted the payment, and I did send the copy. I live in a suburb of XXXX, GA, and I mailed the payment to an XXXX address on a Saturday ; the postmaster informed me that the mail would arrive at the SLS address on the following Monday. It took them 8 days to receive the payment according to the XXXX at SLS. Later, I was informed that I should have wired the payment, but I was never told this by the rep. who gave me the mailing address for the payment. Please help me with holding these people accountable for the torture I 've endured by them. I am in the process of refinancing with another mortgage company.

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