Consumer complaint received 2021-03-09
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2021 This is the 2nd complaint I filed on XX/XX/2021 without reply from CFPB Spoke with XXXX ( spelling, if incorrect, my sincere apology ) today XXXX She was unable to see this complain so I am resending it. 
Thank you, kindly. 

Again. SLS visited my property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Best guess the XX/XX/XXXX as it was FOUND BY FRIEND, REALTOR, EXPOSED SO NOT CONFIDENTAL AT ALL I was in hospital. Not home. 

1 ) NO advance appointment requested or made by SLS 2 ) SLS is aware the property is OCCUPIED 3 ) CONFIDENTIAL should be in a SEALED ENVELOPE not EXPOSED FOR ALL TO READ/SEE 4 ) COVID concerns should DICTATE ADVANCE APPOINTMENT if any respect is considered.

5 ) CONFIDENTIAL to be opened by Occupant ONLY. 
Laughable! It is an open SHEET OF PAPER, exposed for ALL to read 6 ) At request of SLS, LLC an independent field inspector came by to inspect the condition of the Property. 
SLS has only a month or so ago performed, probably their 10th BPO, where their hired person Came inside the property with my Realtor, XXXX XXXX, with FULL KNOWLEDGE that this Property is occupied by owner and SLS has voluminous PHOTOS OF THE CONDITION OF THIS PROPERTY, INSIDE & OUTSIDE. 
7 ) Further, SLS orders and reorders all of these services while charging them back to me, the property owner, in foreclosure. SLS stacks their exorbitant fees to me, with NO REGARD or consideration for a property owner. In this case, me. IF they were not expecting to stack these fees on top of an owners total they would definitely be less likely to REPEAT, REPEAT & REPEAT these costly services. 

Dear CFPBPLEASE see enclosures herewith along with the original complaint regarding this same CONFIDENTIAL situation sent, not acknowledged, ( perhaps systems glitch ) on the XX/XX/2021. 

Thank you, for your attention to this. 

It is disrespectful and inconsiderate, to say the least. 
BIG BANKS do as they wish without recourse. Shameful! 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX ============================================================ XX/XX/2021 RE : SLS Specialized Loan Servicing Company ( Attachments Enclosed for Verification ) CONFIDENTIAL ( To be Opened by Occupant Only ) This enclosed note was found by my Realtor yesterday in the dirt below the bottom front stair. 

PLEASE NOTE : A Notice marked CONFIDENTIAL left in this manner is NOT CONFIDENTIAL. 
I repeat : This is NOT CONFIDENTIAL. IF it were it would be in A SEALED ENVELOPE. 

This is the second time this has happened to me at my ( still my property ) property. 
As you can see, the first enclosure was left in the pouring rain, found askew and hardly readable Due to the water damage. 
This NOTICE stated that they could enter the property, etc. That language has since been removed, However, it still says CONFIDENTIAL WHICH IT IS NOT! 

Anyone could have picked this up and read it. 
This is additional unprofessional behaviour of SLS. Intentional it appears to humiliate. If it is not To humiliate, embarrass or otherwise cause shame and distress, it would be SECURED IN AN ENVELOPE THAT NO ONE COULD READ. The way this is delivered ANYONE CAN READ IT translating CONFIDENTIAL to laughable if one finds this humourous, which I do not, however, less than accurate or truthful. 

One does not have to be a genius to understand that this is from a servicing company regarding a delinquent mortgage. Shame on you, SLS! One in foreclosure is going through enough without this Intentional NON-CONFIDENTIAL NOTICE SHAMING the homeowner to whom it has been delivered/rather dropped upon ones property without discretion. 

FURTHER : PLEASE EXPLAIN why a representative of SLS would arrive anonomously without a prior appointment : ESPECIALLY WITH COVID CONCERNS everywhere. IF NO COVID, simple business practices would dictate an appointment prior to arrival. A compatible time to visit the property agreed to with the property owner and the SLS representative. NOT JUST A RANDOM VISIT. 
UNACCEPTABLE. 
This further shows the lack of respect and professionalism that SLS ( Specialized Loan Servicing ) Exhibits in all facets of their communications. Shameful! Awful! 

I was in the hospital when this was dropped randomly at the house. Again, my Realtor found the note in the dirt at the bottom of the stairs. What? Again, it was opened. One could see it had been folded, however, it SHOULD BE IN AN ENVELOPE IF IT IS, IN FACT, CONFIDENTIAL. 
SLS has all of my contact information. 
LAND LINE XXXX CELLULAR XXXX & MY EMAIL XXXX. 
NONE OF THESE COMMUNICATION AVENUES WERE utilized in an attempt to create a compatible time to request access to the interior of the propery!??? Andagain, why the attempt to come in? The last RECENT BPO PROVIDER HIRED BY SLS went through the interior of the property thoroughly with my Realtor. I was in the hospital when they were here. IF you want the hospital bill, I will provide it. 

PLEASE KNOW THIS IS UNACCEPTABLE, UNPROFESSIONAL AND DEFINITELY NOT CONFIDENTIAL. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a/k/a XXXX XXXX XXXX XXXX XXXX, FL 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