Consumer complaint received 2019-09-02
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am writing a formal Notice of Appeal and Dispute pertaining to the denial of a modification and on the actions of Specialized Loan Servicing pertaining to my property located in XXXX, Washington.

I original submitted a complete financial package on XX/XX/2019 for modification purposes. Even though I submitted my documents in good faith, SLS has during and since that time set three ( 3 ) foreclosure sale dates on my property ; XX/XX/1919 and XX/XX/2019 and now XX/XX/2019. Lets just say that Dual Tracking violations are alive and well. During this time frame and apparent review from SLS, I was never once asked or inquired upon for clarification, explanation, etc. or perhaps has my financial situation become better or worse, or just what was my hardship.

Much beyond, shallow at best, in their review as my hardship was very specific and that my financial picture has improved much since XX/XX/2019 to present, but have never asked in 5 months time period. Instead, I was mailed/faxed a denial letter that I received XX/XX/2019

This denial letter stated that I was denied for the following reasons : 1 ). -The loan exceeds the delinquency requirements for this program 2. ) -The financial information provided does not demonstrate the ability to repay 3 ). - SLS was unable to verify a qualifying hardship In response to these three ( 3 ) vague, lame reasons for denying my modification I am disputing and appealing their claims as well as requesting a breakdown of the numbers and factors used to come to ANY of these conclusions so I may review for accuracy. There were no calculations given as to how SLS determined any of these accusations they are reporting to which they are basing their decision. Transparency is required and demanded in this Notice of Appeal and Dispute First of all, I did not create this fraudulent, corrupted mess, the purported mortgage holders did. I have been seeking a modification now for many years, while these purported mortgage bullies fight against themselves for illegal ownerships! So basically, the purported criminals i.e. possible lenders have taken all this what they call delinquency time or requirements to determine, amongst themselves, who is the biggest bully to acquire said loan. Even though in all of these years no one has been able to provide me with my requested, full, legal documentation, showing they can even qualify as a debt collector or who legally owns the loan, they continue to ignore my requests and/or can not provide the legal documentation I have requested.

As far as myself not having the ability to repay the loan, this is a false statement, as I have recently been approved for four ( 4 ) modifications on other loans. My hardships, which have been huge setbacks as stated in my Hardship Letter provided to SLS, stated these facts along with my continuing efforts to improve my situation, therefore requesting a modification. There was no explanation or reference to any facts or details for me to review in order to fully understand what was calculated in order for me to see how to continue to improve my situation financially in order to qualify for this modification.

Also, by law, I have not been given my legal 30 days to appeal and dispute this denial in writing. As of the date of this letter, SLS representatives have aggressively told me that I only have until XX/XX/2019 to get my appeal response to them ; when in actuality I didnt receive my denial from them until XX/XX/2019 as I had to request they send to me via fax in order to review! Therefore, they are denying me my 30 days to respond in order to hold a XX/XX/XXXX sale date in place for their convenience to steal my property illegally.

I am requesting time to receive and review this very important information/documentation on my so-called denial and also a cancellation of the XX/XX/2019 sale date.

This action is total and complete fraud as well as blatant dual tracking, non-transparency, false reporting to credit bureau, non-compliance with providing me with requested documentation and CFPB absolutely needs to investigate this ongoing, fraudulent and corrupt mode of operations.

Thank you for your time and efforts and I do intend to keep my property.