Consumer complaint received 2018-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.

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