Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
On XXXX, XXXX, 2016, I applied for a HAMP modification from my new loan servicer, Specialized Loan Services ( " SLS '' ). I am including a copy of the email submission page as well as a copy of the completed application. On XXXX XXXX, I received a letter from SLS indicating that " [ SLS ] is in receipt of [ my ] request for assistance. I have included a copy of the letter as well. As of today, XXXX XXXX, 2016, I have yet to receive any decision or other communication from SLS concerning my request for assistance. 
I am a XXXX person and suffer from mental ailments ( among other thing ), so the anxiety caused by completing these applications is enormous. Nonetheless, since I have been through the process, I am very careful to include everything required in the application and to document the things being done. I am also fairly certain that this office, FCRA and other regulations, statutes and agencies are supposed to police this kind of activity. In particular, when I called SLS today, I contacted my " new Relationship Manager '' at the number and extension provided on another letter from SLS dated XXXX/XXXX/2016. After being routed through several different sections for a number of excruciating minutes, I was finally routed to someone who was completely clueless. She tried to suggest that I had n't applied, but then acknowledged I had. She then said that my account had a note that I was missing information, but my application did not need any information and I NEVER RECEIVED ANY NOTICE from SLS beyond the letters I have referenced in this account. Later, when I mentioned the assignment of the new relationship manager, she indicated that I do n't have such an individual, that it 's a " group number '' and the conversation degraded when I tried to correct her with her own letter that specifically assigned me a new " Relationship Manager '', XXXX XXXX, with a Teller ID. # of XXXX. XXXX does not exist nor does any so called relationship manager. This is a fraud being perpetuated by this company in direct countervention of the recent settlements and laws put in place to insure that people like me are given the right kind of attention in desperate financial situations when the house is on the line. As if that were not enough, the young woman proceeded to tell me that no action had been done on my account since XXXX, which makes absolutely no sense, given that they " assigned '' a new " Relationship Manager, '' and acknowledged receipt of my application. Finally, she made reference to " forebearance status '' that I was currently enjoying. I applied for and was granted XXXX6 months forbearance from XXXX Mortgage immediately prior to their transferring service to SLS. I requested copies of my mortgage documents, but SLS provided everything but the executed forbearance agreement with XXXX. At some point, they did send me a forbearance agreement for execution, even though at that time I had never applied for any assistance from SLS. Because my XXXX forbearance was expiring and despite the fact the offer date on the SLS XXXX had expired, I executed that forebearance agreement and sent it back to SLS, but I never recived acknowledgment about it either. In either case, both forbearance would have expired by now and I have applied for a modification. I am hopeful that this can be resolved without the need for me to redo and resubmit multiple documents. Those type of XXXX game practices are supposed to be prohibited now. Frankly, given the undue anxiety dealing with SLS is causing, I am hopeful you have the power to either strip this lien from them completely and release me ( the house is WAYYYYYY underwater ) or fine them significantly enough to make it matter. The way that my account is being handled is deplorable, and I have real estate legal knowledge,. since I practiced real estate law before becoming XXXX.

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