Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MN

Complaint narrative:
Years Lender & Servicer Abuse-Transferred again to Foreclose-Trail of Fraud, Lender and Servicer Abuse since XXXX directed to miss payments to qualify for loan modification ( like many thousands of homeowners ) still going on! I had found I had ID Theft in XXXX and contacted XXXX Mortgage. XXXX had my loan immediately after original Lender in XXXX XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX has been missing from XXXX 's records since my first lawsuit filed in XXXX XXXX. XXXX Denied being responsible party and said I was suing wrong party. Investigations/research has continued since my closing date XXXX XXXX XXXX. Criminal activity continues, additional fraud continues with recorded transfers by XXXX, ( ServiceLink ) making it look like XXXX XXXX XXXX had loan following XXXX XXXX ( this is not true and all my records, property records previously prove there are new transfers that appear in property records that were not there before Sheriff Sale on XXXX/XXXX/XXXX ). I have all records to back up my statements. Default title performed and company hired to correct for the records. I 've picked up property records XXXX XXXX for years prior to changes that have recently past year taken place. I 've hired Property searches, title searches, investigators, audits & reports by several agencies confirm FRAUD, violations of the federal law. All the reports are very similar, confirming exactly why I 'm in this mess fighting-Red Flags everywhere. These entities have continued to move paperwork, transfers, rejected payments, delete records/notes, removed parties, XXXX XXXX now has my property in a individuals name. SLS states payoff clearing XXXX XXXX, XXXX and expires XXXX XXXX, XXXX ( receiving bank XXXX XXXX ). I 've been illegally foreclosed by party that had no rights nor is the NOTE holder. 
I have investigators XXXX XXXX ) that will confirm it 's all Fraud ... Investors have been cheated as well. 
Bank caused defaults and trying to XXXX is stated on the assignment with XXXX XXXX XXXX but not until over 4 yrs later transferred and recorded in XXXX. Where is XXXX Mortgage as every rep at XXXX states nothing looks normal in their system, strangest account, missing notes/records before Transferred to SLS. This has also been a scheme for investors. 
SLS never had all account records from previous servicers to give me true account balance. SLS confirmed they had nothing regarding my loan but only looked like I had not made payment since they received my loan-correct. My loan was placed on hold for years, letters stating since XXXX that they were investigating to research and resolve then let my loan sit, then never resolved or had valid loan. This has become my worse nightmare. 
I continued to call bank to get update. I was intentionally mislead, transferred to over XXXX reps between XXXX and XXXX XXXX XXXX then repeat with SLS. SLS only was hired to foreclose with inaccurate account records which are not correct amounts. I paid until stopped by XXXX Mortgage. Made all payments under plans ( plans changed and increased with XXXX plans. SLS Missing over 1 yr of payments not applied? They needs attention immediately to STOP their abuse. 
I 'm fighting because I have all the proof and know what they did to cause all this for years while they would tell me they were helping me resolve and correcting. 

It 's taken my whole life past 9.5 years. I never gave up after investigating for years with all the proof, audio recordings from every servicer that proves the abuse, and misrepresentation & fraud. 

Please subpoena XXXX and SLS for my history and you will see that much has been removed deleted from system w/previous servicer. XXXX Mortgage created all pmt plan. I cont 'd to make payments until I was stopped by the bank, rejecting many wire transfers ( money still sits never refunded, nor all applied ). XXXX XXXX confirms it looks very intentional to reject payments

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