Consumer complaint received 2015-11-13
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Upon transfer to SLS from XXXX Mortgage I called in response to their welcome calls and spoke to a customer representative who provided me the acct no. ending in XXXX. To support this acct no., I have attached a document titled " EscrowCORRECTacct '' that was mailed to me, dated XXXX/XXXX/15. I have made XXXX {$2000.00} payments directly to SLS, ON-TIME for the months of XXXX, XXXX, XXXX and XXXX based on this acct no., see attached document titled " paymentPROOFS ''. In reviewing my acct payment history, NONE of these payments are posted. In almost all of the documentation I faxed to SLS, I referenced this acct no. Herein lay part of the problem. 
Upon reviewing the complaint responses from XXXX, as well as closer review of my acct, the acct ending with XXXX has been assigned to my name. From this acct document history, I printed the following XXXX documents which I have renamed for better reference and attached to this complaint : 1. " EscrowWrongacct '', 2. " XXXX '', 3. " XXXX '', 4. " XXXX '', 5. " XXXX '', 6. " slsWebpage ''. If you review the " EscrowWRONGacct '' document, notice the acct no. is XXXX, but the name and address on the document are not mine but " XXXX XXXX '' with an address in XXXX, CA ( as compared to the " EscrowCORRECTacct '' document that lists my information and my XXXX acct no. ). The documents 2. " XXXX '', 3. " XXXX '', 4. " XXXX '' are just like the " EscrowWRONGacct '' document. When SLS sent out document no. 5, " XXXX '', the acct no. stayed the same ( XXXX ), but now it reflects my name and address, so sometime between XXXX/XXXX/2015 and XXXX/XXXX/2015 someone change the acct record. Be mindful that this has all occurred prior to me contacting SLS as I had no idea the acct was in this much disarray until I received the phone calls and the " XX/XX/XXXX '' -your payment is late document. 
Now comes the issue of where has the {$8000.00} gone that I have paid to SLS. Initially, before I noticed the error in the acct no., I believed XXXX of my payments had been applied to this acct ( XXXX ) after reviewing the payment history. But, upon closer review using the acronym cheat sheet SLS sent after I initiated a complaint, I realized they have not been applied and am assuming they are being applied to XXXX as shown on the " paymentPROOFS '' document. I am certain they are not applied to acct XXXX because if you look at document 6, " slsWebpage '' and review the entry on XXXX/XXXX/2015 which is designated as a mortgage payment by the " XXXX '' under " Type ''. If you add the columns across, they total a payment of {$2200.00}. XXXX my " paymentPROOFS '' document and you can see I have always paid {$2000.00}. I assume XXXX XXXX made the {$2200.00} payment. My mortgage starting principle is supposed to be {$280000.00}, with a principle and interest payment of {$1300.00} and an escrow payment of {$380.00} for a total payment of {$1700.00}. My payment is NOT {$2200.00}! I know you have a copy of my mortgage document that reflects this as XXXX has recited them to me. But I have attached the bottom portion of my Final Settlement HUDXXXX document to support this. It is also reflected in the document " EscrowCORRECTacct '' under the " Past Years Payment Breakdown ''. I BELIEVE YOU CHANGED THE COUNTY AND PARCEL NO. ON THE WRONG ACCT NO. AND MY CORRECT ACCT NO. IS the XXXX ending in XXXX based on the no.s and information contained on the " EscrowCORRECTacct '' document. 
I have provided you all of the documents and information you need to correct and update my acct and payments. I request that this mess be escalated to a level that can correct it accordingly. At this point, I do n't know where to make my payment in order to apply them to MY acct. I know there is cross data between the XXXX mentioned accounts and believe the info I have provided can hopefully clear them up. PLEASE FIX IT!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation