Consumer complaint received 2022-06-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX XX/XX/XXXX Specialized Loan Servicing. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fax No XXXX XXXX, CO XXXX Email : XXXX Ref : Loan No XXXX DISPUTE FROM FULL STATEMENT RECEIVED VIA EMAIL ON XX/XX/XXXX UNPAID BALANCE IS WRONG AMOUNT After fully billing statement on XX/XX/XXXX in violation of FDCPA 12 CFR 1026.13 ( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period ; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.

( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.

( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.

VIOLATION OF PRIVACY ACT OF 1974 ITS TOTALLY BS AND BALONEY TO STATE PRIVACY VIOLATION WAS ATTORNEY INFORMATION WAS MAILED. FIRST CONTACT INFORMATION RECEIVED FROM SLS ON XX/XX/XXXX DATED XX/XX/XXXX WITHOUT POST MARK DATE EXHIBIT A. 
MORTGAGE STATEMENT WAS MAILED TO XXXX XXXX XXXX, XXXX, CA XXXX WAS MAILED AND ADDRESS TO US NOT ATTORNEY. 
I CALLED SLS ON XX/XX/XXXX AND RECEIVED EMAIL ATTACHMENT STATEMENT MAILED TO UNDISCLOSED LOCATION. MY FIRST WRITTEN COMMUNICATION ATTACHED WAS ON XX/XX/XXXX AND DELIVERY CONFIRMATION. I DID NOT PROVIDE ANYTHING ABOUT MY ATTORNEY IN MY ATTACHED DISPUTE. 
STATEMENT DATED XX/XX/XXXX WAS MAILED BEFORE WE WERE CONTACTED AND BEFORE CONTACT SLS. 
THIS VIOLATION OF PRIVACY ACT OF 1974.

FAILURE TO VALIDATE DEBT 15 U.S. Code 1692g - Validation of debts Response to my company states SLS paid {$3200.00} in les than 10 and violated Federal law failure to validate debt. I do not anything about what was paid, and I do not have any bills. If do not SLS violated federal law by not validating the debt.

Information in dispute for the following and I need response in 15 days.

1. Need full broken-down payment each with billing history with records from county each bill from XXXX XXXX XXXX. 
2. Copies all payments with cancel check or ACH or electronic payments.

3. Payment of {$100000.00} provide full itemized bills and how the payments were applied with back up records such as invoice, bills and so on.

4. After {$100000.00} there record provided on XX/XX/XXXX shows escrow balance of {$16000.00} please account was paid $ XXXX and the account was current why there is escrow balance of {$16000.00}? Why it shows {$16000.00}? 
5. Provide records and explanation about the fee of {$370.00}, {$360.00}, {$590.00} and {$510.00} what these fees and why this fee has been added in violation of Federal laws for not responding to my disputes of XX/XX/XXXX and XX/XX/XXXX. My disputes have not been responded and resolved as of XX/XX/XXXX also violation of above laws it should have been resolved in 90 days. 
6. I have note received any bills in violation of above laws that I should receive my bills in 20 days of each month. I received bills for 10 months XX/XX/XXXX in email on my request to get when I asked to get current statement. This violation above Federal laws.

7. First notice received from SLS was on XX/XX/XXXX with no warning or anything to inform account was purchased and demand me to make payment of {$32000.00}. Loan was purchased on XX/XX/XXXX with no back up records no instruction to pay {$32000.00}. 
8. Statement sent to me bad address was address to us not to attorney and there is attorney representation letter has been provided. I made this request XXXX of XXXX with supervisor he promised I will be provided copy. Unpaid balance on the statement that was not sent to me was XXXX. Provide letter of representation for attorney. 
9. Statement date XX/XX/XXXX unpaid balance went to {$47000.00} additional {$14000.00} is what this additional payment is for? 
10 Monthly payment was {$1000.00} with escrow account and 3 months payment should be {$3000.00}. What is extra {$11000.00} is from provide entire and all records for this. 
11. Notice of default received from XXXX XXXX XXXX dated XX/XX/XXXX with included statement date of XX/XX/XXXX unpaid balance of {$50000.00} after 5 months later. Monthly payment of {$1000.00} for months will be {$5100.00} plus unpaid balance of XX/XX/XXXX notice adds to ( {$32000.00} plus {$5100.00} is {$37000.00} ). Provide all and entire records what is additional {$12000.00} is for in 5 months. 
12. XX/XX/XXXX statement shows {$53000.00} additional {$21000.00} is for what in 10 months? Provide all an entire records to back up records, invoice payment cancel check and so on additional amount was for in 10 months ( unpaid balance date XX/XX/XXXX {$32000.00} less {$53000.00} equals {$21.00}, XXXX ) 13. Default notice filed on XX/XX/XXXX shows unpaid balance of {$58000.00} less unpaid balance of XXXX XXXXXX/XX/XXXX of {$32.00}, XXXX additional {$23000.00} is is for what in 10 months? Provide records full of cancel check invoice and so on. 

. {$1400.00} provide full records what these expenses are. 
15. You stated escrow negative of {$1800.00} for 10 months real estate tax is about {$2100.00} for one year what is and how this escrow arises negativeand what is if this is was no included into unpaid balance of {$32000.00} and why it was not inlsued? 
16. All fees attorney fee should be removed I made multiple and multiple offer to bring this account current and pay off the whole loan. As of XX/XX/XXXX there is no response to this and the disputes. 
Finally, this is my last request with CFPB and new disputed dated XX/XX/XXXX after response was provided on XX/XX/XXXX, XXXX. FDCPA requires dispute filed in 30 days but this dispute is filed in two days. Dispute filed in 15 days after I received full mortgage statement in 10 months time on my request on XX/XX/XXXX. 
I sked to provide the name and contact information of XXXX XXXX and XXXX XXXX SLS refused to provide that. I have no option but to add both as defendants for perjury and take their deposition in a very near future may be no later than end of XX/XX/XXXX. 
My principal balance on refinanced loan on account was {$150000.00} principal and interest were {$1000.00} including escrow account. Now its {$1000.00} loan amount of XXXX XXXX. Its a rip off to pay {$710.00} principal and interest loan amount of $ XXXX. I obtain 4 estimate loan amounts of XXXX XXXXXXXX XXXX XXXX XXXX as follows one is {$540.00}, two  is {$500.00}, third is {$500.00}, fourth with escrow is {$730.00} all are at XXXX interest rate. Fifth is {$360.00} with internet rates of 3.50 %. Attached are 5 estimates. 
WE BING ROBBED TO STEAL OUR HOUSE AND OVER CHARGING PRINCIPAL AND INTEREST OF {$710.00}. 


Sincerely XXXX XXXX