Consumer complaint received 2021-09-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
As per the instruction of the State of Washington, Department of Financial Institutions, Division of Consumer Services, Specialized Loan Servicing, ( SLS ), has been asked repeatedly and failed to supply me with all legally recorded Assignments of interest for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX along with all other questions pertaining to this and previous Qualified Written Request. As to date, we are unaware of who the true, legal Owner of the Note and Deed are, ( SLS stated we were not privy to these documents UNTIL loan paid off in full! ) where the Deed and Note are kept, if they exist and if kept together, who the Master Servicer is and if this party ( Trust ) is receiving payment from a third party, whether that party has rights of subrogation or is satisfied by some other fee or revenue. Since SLS will not provide the answers to our questions, nor who legally owns this mortgage, ( legally recorded proof ), as SLS has failed to provide us with any Assignments or a complete Chain-of-Title, and therefore, we have no way of contacting anyone in Washington State of this fraudulent practice to acquire the documents we are requesting other than SLS. As I have continuously requested, to no avail, we are asking once more for SLS to provide to us this information and requesting an investigation into this situation/dispute and for your Agencys help in getting this important information from SLS. 

I would also bring to your attention the fact that while my case is currently under Review and in Dispute Status with SLS, and all documents have been received and acknowledged for a modification, yet SLS continues to practice Dual Tracking by keeping the XX/XX/2021 sale date showing SLS in contempt of Federal Laws, causing severe damages by not allowing me a fair review and not showing good faith in their process for modification nor settling this Dispute. This property is in Arbitration currently, has a Lis Pendens filed, along with a non-answered Qualified Written Request previously sent to SLS and yet continue forward without adequate legal response while harassing me with a XX/XX/2021 sale date! 

SLS has also admitted verbally by phone that they intend to continue with the XX/XX/2021 sale date while being in Dispute Status and stated they do not have to abide by any laws that state they are to cancel this sale date while complying. SLS has also stated repeatedly that they do not have to abide by the CFPB Dual Tracking laws as they have their own rules. We have been told that SLS might postpone the sale date 15 days prior to XX/XX/2021 or may not. SLS stated that having my full package in review for months has nothing to do with postponing the sale date or modification. When we bring up Dual Tracking, we are told it doesnt pertain to them and SLS doesnt interpret it as Dual Tracking. ( Having a sale date while all documents have been received and is in review ). They said they hold the right to go through the review as long as they want right up to the sale date can deny us and keep the sale date and go through with the sale for any reason and without communication with me, and call this transparency!

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