Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I was placed on XXXX by my Doctor. My employer fought the claim and stopped paying me. I no longer could make my mortgage payment. I continued working with the lender ( Specialized Loan Services ) on trying to get a modification. I had to submit my RMA at least XXXX different times along with fresh documents because my income would change or the old documents would expire. We did this for approximately 2 + years when I finally won my claim and was medically retired and a week later I was hired full time as a XXXX. I then submitted another RMA and documents in the fall of XX/XX/XXXX. There were a few hangups and more documents needed to be refreshed, but finally on XX/XX/XXXX I spoke with them and was assured that all my documents were in and my modification was at underwriting and there would be a decision with 30 days, I believe. I was told that there was no sale date but the house was in foreclosure. On XX/XX/XXXX, I took my family for a much needed vacation to Hawaii. We were in Hawaii for 9 days and returned on the XXXX of XXXX. Just prior to returning home, my friend notified me that he went by the house and there was a notice on the door stating that there was a sale date for foreclosure of XX/XX/XXXX. At no time was I notified that the loan modification was denied. I received no phone calls between XXXX XXXX and the time I got home on the XXXX, which I thought was odd because they called me every 5-7 days like clockwork. I call the mortgage company and spoke with a representative and asked what was going on. They stated that our modification was denied on or around the XXXX of XXXX and that I was notified via XXXX. I never received anything in writing stating any such thing. I then asked the rep to look back into her computer to see the XXXX XXXX conversation, which she did and noted that I was indeed told that my documents were all in and that it was at underwriting. She then went on to say that they denied it because I did not have all my documents in. They needed a profit and Loss for a pool cleaning company I had prior. I had notified them earlier about no longer owning the pool service and prior to XXXX XXXX was told to send something in writing explaining that I no longer owned it. I had emailed in the letter explaining why I no longer needed to send in the P & L and later told all my doc 's were in. When I told the representative that they already had the letter, she noted it in the computer and said something to the effect " Oh my XXXX, I 'm so sorry. I do n't know what the problem is then. She told me there was nothing I could do that the sale date was set. I then spoke to a real estate buddy of mine and he suggested I give him power to talk on my behalf and we try to stop the foreclosure by submitting a short sale. Needless to say we were not able to stop the sale of my home for 15 years. It was sold out from under me, the whole time I thought I had a loan modification in the works. My wife and I not knowing what to do, panicked and thought we would be kicked out of our house and have no place to live, found a place to rent and took " Cash for Keys '' from the " Investment Group '' that bought my home. It 's been 2 months and I 'm still spinning as to how this could happen. I 've had numerous people tell me they violated Dodd-Frank laws etc. This was just an unbelievable experience. After working with them for so long and then finally getting financially sound where I could actually afford to pay my mortgage or work something out, they put me on a wild goose chase then stole my home out from under me! I 've contacted attorneys, but am a little leery of diving into that mess. Another buddy of mine told me to contact your website and file a complaint.

Company response to consumer: Closed with explanation