Consumer complaint received 2024-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
I have been trying to resolve several issues with SLS, ( now has recently changed names to Shellpoint, a division of XXXX XXXX ) through the XXXX  with multiple Qualified Written Requests, as well as through an open mediation with the State of Illinois. 

I am representing myself in the foreclosure case. My old attorney was granted leave, and the other attorney just left without filing the exit paperwork with the courts. The firm that attorney worked for has been closed for well over a year. 

SLS thinks that the RESPA attorney that has they have been sending paperwork to is my current attorney. I have supplied SLS with a letter from that RESPA law firm, stating that they do not represent me in the foreclosure. They are not on retainer with me currently either. I have also informed the judge of this information as well. The judge is the one that asked if I was good to represent myself going forward. I am good with representing myself. SLS would know this if they talked to their law firm on the foreclosure case. 

I am having problems with SLS stating 9 times in writing that SLS is unable to send the information that I have asked for. The last response that I sent through the XXXX, I stated that if they would not fulfill my QWR, that I would send all XXXX that I had at that time to the RESPA attorney for violating RESPA Regulation X. SLS has been addressing the replies to the RESPA attorney, and this last one SLS clearly states " SLS respectfully declines your request for compensation in order to settle the complaint. Additionally, we decline the stipulations outlined in your complaint. '' That was a complete quote from XXXX ( XXXX ID XXXX ), a Customer Care Support. 

I believe that this is a total violation of RESPA Regulation X and that SLS is using this person as a fall guy when SLS gets caught doing something wrong.

I would like to have the CFPB explain to this company that whether or not I have representation that SLS needs to follow the same requirements that every other third party mortgage servicer is held to. 

The dates that SLS violated Regulation X are as followed : XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney XX/XX/2024 XX/XX/2024 - this was to the RESPA attorney At this time I can only upload the XX/XX/2024 file. I can upload the others to this complaint if they are needed, I will need to pull them from the XXXX correspondences. 

The letter dated XX/XX/2024 is the letter that I quoted SLS telling me that they wont pay any fines for violating Regulation X. I have also sent that letter to the State, to be added to the open mediation that I have going on with the State of Illinois Attorney General Consumer Fraud Division.

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