Consumer complaint received 2019-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: WA

Complaint narrative:
Dear Madam or Sir : I am writing a formal Notice of Dispute and a Notice of Violations pertaining to Specialized Loan Servicing denying me my 30 day legal right to Dispute and Appeal for a modification and the illegal actions of Specialized Loan Servicing pertaining to my primary residence located at XXXX XXXX XXXX, XXXX, XXXX WA XXXX, and Loan # XXXX. 


On several occasions during my phone calls with Specialized Loan Servicing ( SLS ) for updates and reviews, I was told in uncertain terms from SLS representatives that I only had until a XX/XX/2019 deadline to submit my Appeal/Dispute letter into their department for review. I have had to explain to these SLS representatives that I didnt receive their Letter of Denial until I had requested a SLS representative to fax it to me on XX/XX/2019, since it was never mailed out and this was the first I had heard about the denial! Once I received this Denial it didnt state any details of how I was denied, what information was used by SLS to come to their conclusion. I have a right to check these facts for accuracy since I have recently qualified for 4 other modifications ; therefore, I am suspicious that there was an error in their calculations which resulted in a denial decision. 

On XX/XX/2019 SLS Rep. XXXX ( refused to give me an ID or last name ), at XXXX and again at XXXX XX/XX/2019, denied me the right to speak to a supervisor on both occasions. She stated that SLS had sent out their Denial Letter on XX/XX/2019 and that I had no options but to adhere to a short sale or deed in lieu, and the fact that I didnt actually receive it until SLS faxed it to me didnt matter to her. 

It is very clear to me that SLS has intended to steal my property away from me by not informing me of this Denial in order to trip me up on getting my Appeal out before XX/XX/XXXX, ( which I have caught and sent out already to them prior to this cut-off date ), but have yet to receive the facts pertaining to this denial. 

I am disputing their violations of my right to 30 days to review ONCE I have actually received the information that I have repeatedly asked for verbally and in writing. Once I receive this information I legally have a right to 30 days to seek legal counsel and review this decision to be sure the facts they used to determine this denial are based in accuracy and is current. SLS is using these illegal tactics in order to go through with a set sale date of XX/XX/2019 instead of working with me in good faith for a fair modification. These actions are obvious, as SLS is desperately attempting to bend the rules and laws set in place so that they can deny a homeowner the actual time to respond and the transparency of fairly providing the details of the alleged denial facts it was based on. 


Thank you for your time and efforts and I do intend to keep my property.

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