Consumer complaint received 2022-10-24
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

The afternoon of XX/XX/XXXX a female came to my property address identifying herself as an independent field inspector hired by SPECIALIZED LOAN SERVICING, LLC to inspect my property. I purchased my property in an all cash transaction on XX/XX/XXXX, and so I was highly suspicious of this person since my property is not mortgaged. On XX/XX/XXXX I called the number on the form the independent field inspector gave me, XXXX. I spoke with someone named XXXX XXXX XXXX. I explained that I own my property and that SPECIALIZED LOAN SERVICING, LLC has no authority where my property is concerned. I told her that I purchased my property from XXXX XXXX on XX/XX/XXXX, which can be verified through XXXX XXXX, Texas ' public information. XXXX told me that she would send an email to their asset management department. 

I also received two letters ( one via USPS certifed mail ), both dated XX/XX/XXXX, addressed to a previous owner at my property address. The letters were a written " Notice of Default and Notice of Intent to Accelerate '' from SPECIALIZED LOAN SERVICING. The morning of XX/XX/XXXX I called the number on the letter, XXXX, referencing the loan number on the letter, and spoke to someone named XXXX XXXX XXXX. I explained to XXXX that the person the letter is addressed to is a previous owner of my property and has NOT owned my property for more than three years. I went on to explain that it is my understanding that when the previous owner owned my property she was foreclosed upon and lost the property through the foreclosure more than three years ago. I informed XXXX that I purchased my property in an all cash transaction from XXXX XXXX on XX/XX/XXXX and that the transaction was handled through a title company which guaranteed the property to be free and clear of all previous liens and encumbrances. XXXX told me that because I am not the person named on the referenced loan that neither she, nor a supervisor, can discuss the matter with me. I told XXXX that since SPECIALIZED LOAN SERVICING sent threatening letters to a previous owner to my property address concerning my property, and sent a hired agent to my property seeking to gain entry inside my property, that she most certainly should speak with me or transfer me to a member who can speak with me to resolve this issue. She told me that I need to send proof that I own my property to them, and I made it clear to XXXX that I do not bear any burden to send physical proof to SPECIALIZED LOAN SERVICING that I own the referenced property since I am the legal owner of record per XXXX XXXX, Texas ' public records which anyone can obtain online. XXXX then hung up on me. 

In summary, SPECIALIZED LOAN SERVICING is attempting to collect {$47000.00} ( as of XXXX ) or foreclose on my property based on a loan from a previous owner borrower who was already foreclosed on more than three years ago. Clearly SPECIALIZED LOAN SERVICING has outdated informaton that they are acting upon. I have tried to resolve this matter directly with SPECIALIZED LOAN SERVICING but they are refusing to speak with me because I am not the person on their referenced loan. If this matter is not resolved timely it could lead to a legal situation where I have to hire legal representation to prevent SPECIALIZED LOAN SERVICING from illegally foreclosing upon, and taking possession of, my property. 

I am filing this complaint with the CFPB because I need assistance to resolve this matter fairly and timely.