Consumer complaint received 2015-12-02
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC (NY)

I am the victim of the XXXX rogue mortgage issue. I received a letter saying I should respond with my mortgage because XXXX was being shut down and a servicer will be taking over and I should, as promised, request my refinance before the shutdown. I did make the request for my refinance I was promised at my closing with XXXX. I had never missed a payment and my fico score was XXXX. This is when my troubles began, XXXX XXXX XXXX took over my loan and when I requested my refinance, XXXX 's XXXX XXXX in their mortgage dept erroneously submitted adverse info to my credit history ( 3 times ) and when she got caught she said it will take 60 days to correct my credit, I had my confirmation receipts for my online payments. Then XXXX XXXX and XXXX took me " off line '' so I could no longer make payment on my mortgage, because I told them I did not trust them and XXXX was just as bad as XXXX and I had another bank that was willing to refinance me at 3.3 %. XXXX then damaged my credit totally and kept me from refinancing elsewhere and began to threaten foreclosure. I had been in my home since XXXX XXXX, never missed a payment and the victim of the rogue mortgage and now the victim of XXXX XXXX and XXXX. XXXX told financial services that she had to damage my credit because, " I had never missed any payments and to get a modification, I would have to be late at least twice and this was the only way to get this done. '' Also, she said she prohibited me from being able to pay my mortgage because she had to put me in the modification pool and this was the beginning of the process. '' This was all lies. I never missed a payment. XXXX prohibited me from paying. I even paid my taxes and then XXXX sent me a check in the same amount of the property taxes I had paid and told my city finance dept they were taking over my taxes and escrowing my taxes. I am an insurance agent and I wrote my homeowner 's policy and XXXX sent me back the payment I made for the full year 's premium and told my insurance company that XXXX was taking over my HO ins. I had never made any late payment on anything, not the mortgage, not the taxes and not my HO insurance. After XXXX did this, I began to get late notices from city hall stating my taxes were late, and notices from my HO ins threatening to cancel my Home owner 's insurance. I then rec 'd notice from XXXX I was being put on a " forbearance '' and I did not know what this was. I then stop receiving all communications from XXXX and nothing else from XXXX. My credit was severely damaged so I could n't leave this mess and get the refinance I was about to get with a great int. rate because of what XXXX XXXX, XXXX did to my credit worthiness. I have never heard of a modification and no one would tell me about it at the XXXX. Then after a " few '' years of harassment and threats of " taking my home '' and people ringing my door bell saying they were at a " silent auction '' and wanted to come in to see my property, I had to pay $ XXXX to attorneys who ripped me off and lied and said they were going to court with XXXX, but they did not. They never went to court because the court clerk and the XXXX representative would contact me and tell me that my attorneys never showed up and my property was going into foreclosure. I have all the proof of everything I stated above and the emails from the XXXX of the XXXX XXXX XXXX as a witness. When my mortgage was finally modified XXXX XXXX ( this fiasco start XXXX with XXXX and then XXXX ), I went from a complete mortgage payment : principle, Interest and escrow of {$3100.00} monthly with a term of 14 years, to the now ridiculous payment and term of {$3400.00} for 31 years. XXXX forbid me from making payments, and SLS servicer is say they accelerated my payments and calculated at the 6.875 rate instead of 3.375 % int. help me, please