Consumer complaint received 2022-08-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
SUBMITTED TO FOUR ( 4 ) US LAW ENFORCEMENT AGENCIES VIA USPS REGISTERED MAIL Re : Specialized Loan Servicing Variable Mortgage Loan Acct # : XXXX and XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX # : XXXX ; Non-Posting of Mortgage Payments, Embezzlement of Funds by a Fiduciary This report is intended to supplement our reports of Crimes perpetrated in CFPB Case No. : XXXX, CFPB Case No. : XXXX, and supplemental complaint filed XX/XX/XXXX ( Exhibit A ) ( CFPB cases ). 

Since XXXX of XXXX, Specialized Loan Servicing, LLC ( SLS ) refuses to send Mortgage Statements for over 32 months and refuses to comply with bankruptcy law ( Bankruptcy Rule XXXX ). 

XX/XX/XXXX : Last Notice of Payment Change ( Bankruptcy Rule XXXX ) from XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX : Last Bank Statement from XXXX Upon inquiry with XXXX in XXXX of XXXX, XXXX asserts this loan has been DISCHARGED AND NOT SOLD. SLS provided False statements intended to obstruct your agencys investigations with no intentions of complying with the law. To present date, SLS still refuses to provide statements required by law. 

XXXX. On XX/XX/XXXX, our XXXX XXXXXXXX Trustee, XXXX XXXX XXXX, XXXX, contacted SLS stating : I am currently the XXXX XXXX Trustee in this pending XXXX XXXX case, Case No. XXXX. Claim number XXXX was filed on XXXX. To date it has not been amended. 
On this case, the Bells have notified Specialized Loan Servicing, LLC asking to be sent monthly statements. To date, they have not received them. That is presenting a problem. Also, XXXX XXXX has identified certain issues with her account- for example the variable interest rate. She has asked how this variable interest is calculated. She has not received any meaningful responses. Following the CFPB rules- they have made a request to receive statements. There does not appear to be any valid reason to not comply with their request and I am not familiar with any exemption. 

CFPB Rule effective as of XXXX, XXXX -provided amendments to RESPA and the TILA mortgage servicing rules. According to the final Rule, servicers must send monthly statements to borrows in bankruptcy. The Bells ' are currently in an active XXXX XXXX bankruptcy case and they are not surrendering the real estate property or have any pre-petition arrearages. They are current on all post-petition mortgage payments. 

I am not aware of any other servicer not providing statements to individuals in XXXX XXXX cases. 


Despite having evidence of our confirmed payment total of {$41000.00} paid directly to SLS and according to contract in the same e-mail chain, the following events occurred : After stating on XX/XX/XXXX that you are in default to the Trustee in the amount of {$39000.00} ( You are due for {$1200.00} x 34 months, and have paid a total of {$4300.00} ), on XX/XX/XXXX, Trustees office attempted to evade felony embezzlement by stating Specialized Loan Servicing, LLC ( no arrears on this claim ) which under the law does not release the criminal liability as reported to the CFPBs Director on XX/XX/XXXX. 

To present date, we have paid {$46.00}, XXXX as listed and confirmed on Exhibit B which equals a payment total of {$41000.00} paid directly to SLS and according to contract including {$8700.00} paid directly to BOA. ( Exhibit B ) Now in spite of the Trustees offices change in position on XX/XX/XXXX to cover-up their collusion with SLSs crime stating Specialized Loan Servicing, LLC ( no arrears on this claim ) ( Exhibit C ) in an attemto to further interfere with our mortgage payments, now SLS is causing our electronic payment to be returned without any explanation as occurred on XX/XX/XXXX when a credit was issued to return our payment submitted XX/XX/XXXX. 

Due to SLSs serious criminal conduct by and through their intentional violations of servicer regulations such as TILA, RESPA, and Regulation Z along together with serious violations of criminal statutes to embezzle more than {$39000.00} dollars timely paid directly by us to SLS with irrefutable verified confirmation notices from our bank to threaten the theft of our homestead, we have forced to tolerate and endure immense pain and suffering.

SLS deceived the CFPB on more than three ( 3 ) occasions which is documented by your agency and other law enforcement agencies. After committing Federal crimes by lying to the CFPB in both of their responses to our CFPB complaints, SLS continues to commit Federal crimes knowingly, willfully, and fraudulently. 

SLSs blatant disregard for the law and abusive behavior by committing serious felonies crimes causing us thirty-two ( 32 ) months of extreme pain and suffering requires prosecution by the Department of Justice XXXX Accordingly, combine our complaints and refer this matter for criminal prosecution.

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