Consumer complaint received 2021-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
XXXX XXXX was my prior loan servicer as of XX/XX/2021 everything changed Specialized Loan Servicing took over servicing my mortgage. I contacted them on XX/XX/XXXX explaining I did not get credit for the XX/XX/XXXX payment that was XX/XX/XXXX payment. I have emailed them with a full copy of the receipt showing I made my XXXX payment. Also provided bank statement proving part payment cleared bank account. {$700.00} cash check for {$300.00}. I have called this company @ least every other day to check on this situation. Still as of today XX/XX/2021 they still have not posted my Mortgage Payment. Specialized Loan Servicing has opened up multiple tickets and keeps reassuring me that they would solve this within 60 days from the time I contacted them on XX/XX/XXXX. Finally on XX/XX/2021 XXXX from XXXX XXXX called Specialized Loan Servicing on a XXXX way call on the line spoke to XXXX. XXXX @ XXXX XXXX XXXX my prior loan servicer to speak on my behalf regarding XX/XX/XXXX payment that has never posted to the account. She told XXXX Specialized Loan Servicing rep that a Bulk Wire Transfer was sent over to Specialized Loan Servicing in the amount {$53000.00} including my XX/XX/XXXX payment for the XX/XX/XXXX payment that has never posted to my account. She told XXXX the funds cleared XXXX XXXX account on XX/XX/XXXX. Specialized Loan servicing received all of the funds on XX/XX/2021. He opened up another ticket for the cash department to do there research again for probably the XXXX or XXXX time. This never ends nothing ever gets done and I am not happy with this Company. I am ready to seek Legal action for the harm they have caused me. I did go behind on my payment this month and wasn't able to make it until 2 days ago. They wrote me a letter I received 2 days ago threatening to foreclose on my house. I have received these letters before I don't like them. I am struggling to make my payments and I @ least make them within the month but because this 1 payment is never posted I end up being 2 payments behind and then they start threatening foreclosure letters. When honestly if this were posted the only payment I might be behind on is the payment that is due for the current month. I have been trying to @ least make it during the month. I am done with these people. This payment has been in dispute since XX/XX/XXXX and I contacted them to let them know there was a problem they just continue to drop the ball and never solve the issue. 
XX/XX/2021 I received this email Thank you for your inquiry. We do not have record of the requested information as we did not service your account at that time. Please reach out to your prior servicer for the requested information. Your prior servicer normally will automatically send any payments sent to us within 60 days following a transfer of an account. If you would like to confirm the payment is being sent, please reach out to your prior servicer. 
Obviously they didn't do any research if they would have they would have found the bulk wire transfer {$53000.00} cleared XXXX XXXX account on XX/XX/2021. As a reminder XXXX from XXXX XXXX spoke to SLS on the phone & actually told SLS they received the funds in there account on XX/XX/2021 she told them this was including the XX/XX/XXXX payment which was supossed to be for XX/XX/XXXX payment. This is also affecting my credit. Because every month I am behind on my payments because they won't clear this up this is also harming me credit wise. I feel like now I want to take action reason I am choosing to make this complaint against them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation