Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This issue remains unresolved, and I find it necessary to update the record to address concerns, about Specialized Loan Services ( SLS ), not covered or supported by documentation earlier. 

On XXXX/XXXX/XXXX, XXXX XXXX XXXX ( XXXX ) transferred the mortgage loan to SLS, effective XXXX/XXXX/XXXX. See Exhibit A. 

On XXXX/XXXX/XXXX, Specialized Loan Services assigned the mortgage loan number, xxx. The notice set forth unpaid principal at {$440000.00}, uncollected interest at {$2000.00}, escrow /balance at $ XXXX, and outstanding fees that totaled {$910.00}. See Exhibit B. 

On XXXX/XXXX/XXXX, SLS sent the Notice of Servicing Transfer effective XXXX/XXXX/XXXX. Exhibit C. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00}, on loan # xxxx, for initial payment due XXXX, XXXX/XXXX/XXXX. See Exhibit XXXX SLS applied the XXXX/XXXX/XXXX payment to a debt claim of {$3100.00}, allegedly due, for XXXX mortgage payment by XXXX. 

I disputed the SLS payment to XXXX, immediately. To date, XXXX has not submitted a proper bill in any amount for any outstanding claim of debt. XXXX ceased communicating with me after XXXX found errors and adjusted the online loan transaction history. 

On XXXX/XXXX/XXXX, after discussion with SLS, I disputed the payment to XXXX, in writing. See Exhibit E. 

On XXXX/XXXX/XXXX, SLS sent a demand for {$10000.00}, due XXXX/XXXX/XXXX. Exhibit F. 

On XXXX/XXXX/XXXX, SLS sent notice of changes to the mortgage interest rate and payment to take effect on XXXX/XXXX/XXXX. SLS states that the interest rate stayed the same for six months and that period ends XXXX/XXXX/XXXX, so the rate and mortgage payment will change. See Exhibit G. 

XXXX made a change to the mortgage interest rate effective XXXX/XXXX/XXXX. That change included an increase in the interest rate and payment that, contrary to the SLS claim, has not stayed the same for six months. SLS must know that this new debt claim violates the ARM agreement much like SLS knows that collecting disputed debt from me on behalf of XXXX is wrong and beyond the scope of the agreement. XXXX must be held accountable to justify the claim and not simply allowed to rely on a third party, SLS, to collect a disputed claim without proof. 

On XXXX/XXXX/XXXX, SLS sent a Mortgage Payment Delinquency Notice. Exhibit H. Five days later, on XXXX/XXXX/XXXX, SLS sent a second delinquent notice demanding {$3900.00}, including {$3100.00} Monthly Payment, {$910.00} in Fees /Advance, and {$110.00} in Suspense Balance. See Exhibit I. 

The fees listed by SLS are not legitimate. Again, SLS is attempting to collect on a claim that XXXX made during my Bankruptcy and hid from the Court when filing a Response Notice To Cure Final Payment on XXXX/XXXX/XXXX. XXXX admitted, in writing, to making errors in servicing the loan including overcharging my escrow account for 19 months. XXXX adjusted the loan account and failed to submit a written demand for payment, including fees, and SLS does not provide sufficient details, proof of claim. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit J. 

On XXXX/XXXX/XXXX, I paid SLS {$3100.00} for XXXX. See Exhibit K.

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