Consumer complaint received 2018-10-31
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (TN)

On or about XX/XX/XXXX at XXXX I called SLS to tell them that I was going thru mortgage per foreclosure counseling. 
I was going thru a divorce and forgot to pay my county and city taxes for XX/XX/XXXX, which I been paying since I bought my house in XX/XX/XXXX. Specialized Loan Servicing ( SLS ) paid my taxes without my knowledge nor consent. I struggled to pay there imposed fees for 12 months. After I paid them back the increased my loan amount over {$200.00} plus my mortgage fees for 12 months it took them several months after that to take my mortgage back down. My city taxes are $ XXXX county taxes {$790.00}. SLS has added hazard insurance in the amount of {$810.00} which in the state of TN is not needed. 
Then I started getting foreclosure proceedings lodge against me with increased loan payments amounts stating that my insurance was not paid from XX/XX/XXXX-XX/XX/XXXX. 
XX/XX/XXXX-XX/XX/XXXX policy # XXXX was in my daughter 's name XXXX XXXX. XX/XX/XXXX-XX/XX/XXXX policy # XXXX is in my name XXXX XXXX XXXX . XXXX XXXX group sent SLS {$1000.00} for my homeowner insurance policy # XXXX, but SLS increase my mortgage note over {$200.00} plus my loan note per month for their imposed homeowner insurance amount. 
When you call SLS they pass you around from one department to the next and then hang up your calls. Then when you finally  connect with someone you began experiencing a lack of communication within the company. I sent them documentation on their website per instruction ( XXXX ) showing there was no lapse of insurance they continued adding late fees and finance charges on my mortgage note, making it impossible for me to pay. SLS owes me a refund for {$1000.00} and all imposed inflated interest and late fees that I have had to pay. I'm not interested in selling my home and I'm paying XXXX my insurance premiums starting XX/XX/XXXX. SLS is to pay my city and county taxes out of my escrow which is included in my monthly note amount of {$690.00} and not {$970.00} that they have been trying to make me to pay. By trying to do this they are charging me interest and late fees with me now owing them an excessive amount to the tune of {$2200.00}. I called my Congressmen, XXXX Area Legal Services, United Housing, and XXXX. XXXX XXXX is my representative and we did a conference call with SLS around and about XX/XX/XXXX with XXXX in Customer Resolution@XXXX. XXXX conference us in to XXXX XXXX in Loss Mitigation. After a couple of hours speaking with these to they admitted there errors including my refund. As to this day I have only received more notices every month relating to debt collection delinquent payments, mortgage loan is in serious default/delinquent, application for mortgage assistance/relief options, relief change of intent forms, and as of XX/XX/XXXX notice of default and notice of intent to foreclose. 
I spoke with XXXX XXXX on XX/XX/XXXX in loss mitigation@XXXX. she requested same documents to be sent to XXXX which I did comply. Then I received my mortgage note for XX/XX/XXXX in the amount of {$2100.00}. 
This company has little disregard for the mortgages and finances of people. 
XXXX XXXX XXXX loan number # XXXX