Consumer complaint received 2022-09-15 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:
To conceal the truth about theft from securitized trusts, securities fraud, extortion for money not owed, obstruction of the bankruptcy process, bankruptcy fraud, obstruction of justice, and theft from consumers, EXHIBIT A : SPECIALIZED LOAN SERVICING ( SLS ) LLCS XX/XX/XXXX RESPONSE to our consumer complaints CFPB Case XXXX. : XXXX, XXXX, XXXX, XXXX contains materially false statements, fictitious accounts, false statements to federal agents about fraudulent documents and misrepresentations of fact and law while simultaneously admitting SLSs obstruction of the bankruptcy process as reported to the XXXX and flagrantly admitting SLSs obstruction of CFPB investigations into our consumer complaints. Complete with incorrect interest amounts, misapplication of payments, and missing payments, SLS falsifies accounting records by making and using false accounting documents because SLS is unable to validate any amounts owed. 

Mocking the authority of federal agencies, SLS covers up its theft scheme by consistent lies to federal agents puppeteered as SLSs myrmidons of thievery to trick consumers as was the case on XX/XX/XXXX in response to CFPB XXXX XXXX. : XXXX and on XX/XX/XXXX in response to CFPB XXXX XXXX. : XXXX. 

I. SLSS FELONIES ( 18 USC 1519 AND 18 USC 1001 ) : IMPERTINENCE TOWARDS FEDERAL AGENTS Presuming federal agents lack of intelligence, SLSs lies making false statements which constitute felony crime. 

The federal false statements statute, 18 USC 1001, categorizes SLSs lies to a federal agency as felony crime. 

18 USC 1001 : Statements or entries generally ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the Government of the United States, knowingly and willfully ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry ; shall be fined under this title, imprisoned not more than 5 years or, if the offense involves international or domestic terrorism ( as defined in section 2331 ), imprisoned not more than 8 years, or both. If the matter relates to an offense under chapter 109A, 109B, 110, or 117, or section 1591, then the term of imprisonment imposed under this section shall be not more than 8 years. 

Obstruction of the proper administration of any matter within the jurisdiction of any department or agency of the United States and Bankruptcy with the intent to impede, obstruct, or influence the investigation is a crime under 18 USC 1519. 

Destruction, alteration, or falsification of records in Federal investigations and bankruptcy Whoever knowingly alters, destroys, mutilates, conceals, covers up, falsifies, or makes a false entry in any record, document, or tangible object with the intent to impede, obstruct, or influence the investigation or proper administration of any matter within the jurisdiction of any department or agency of the United States or any case filed under title XXXX, or in relation to or contemplation of any such matter or case, shall be fined under this title, imprisoned not more than 20 years, or both. 

II. SLSS FELONY LIES 18 USC 1001 A. SLS LIE # 1 : SLS DID NOT attach XXXX XXXX XXXX XXXX XXXX XXXX and Disclosure Statement, Deed of Trust, and notice of service transfer To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : For your reference, enclosed are copies of the XXXX  XXXX XXXX Equity Maximizer Agreement and Disclosure Statement, Deed of Trust, and notice of service transfer. 

SLS failed to enclose copies of the XXXX XXXX XXXX Equity Maximizer Agreement and Disclosure Statement, Deed of Trust, and notice of service transfer because such documents evidence securities fraud and theft from securitized trusts. 

B. SLS LIE # 2 : Returned Payment XX/XX/XXXX XXXX XX/XX/XXXX Response lied to federal agents by stating : We do not have any records of having returned or rejected any payments in XX/XX/XXXX. 

EXHIBIT B : RETURNED XX/XX/XXXX PAYMENT SLS returns payments to fraudulently induce defaults. By rejecting payments causing the erasure of payee histories, SLS interferes with consumers banking records by deleting records of past payments and requiring consumers to re-enter the payee in order to submit payments. 

By SLSs own admission that we do not have any records of having returned or rejected any payments in XX/XX/XXXX, SLS not only lied to the CFPB agents to cover up its scheme of fraudulently inducing defaults but also admits possessing inaccurate and falsified servicing records fabricated by SLS solely for theft from consumers and securitized trusts. 

C. SLS LIE # 3 : Periodic Monthly Statements are required by Rule and Contract To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : While we have received your written request for periodic monthly statements for this account, we are unable to provide such until the account is discharged from XXXX XXXX Bankruptcy 12 CFR 1026.41 Periodic statements for residential mortgage loans. 

( e ) Exemptions ( 5 ) Certain consumers in bankruptcy ( i ) No Exemptions Apply ( ii ) Consumer Request to Receive Statement A servicer ceases to qualify for an exemption pursuant to paragraph ( e ) ( 5 ) ( i ) of this section with respect to a mortgage loan if any consumer on the loan requests in writing that the servicer provide a periodic statement Regulation Z, 12 CFR 1026.41 ( e ) ( 5 ) ( XXXX ), provides that if any consumer on the loan requests in writing that the servicer provide a periodic statement any exemption pursuant to paragraph ( e ) ( 5 ) ( i ) ceases.

SLS admits we have received your written request for periodic monthly statements for this account proving SLSs full knowledge of the consumer request to receive periodic monthly statements which by law 12 CFR 1026.41 ( e ) ( 5 ) ( ii ) ceases and terminates any mistaken exemption for SLS. 

Despite SLSs own admission we have received your written request for periodic monthly statements for this account, 12 CFR 1026.41 ( e ) ( 5 ) ( ii ), while admitting knowledge that a request for periodic monthly statements by law 12 CFR 1026.41 ( e ) ( 5 ) ( ii ) ceased any exemption to provide periodic monthly statements, SLS dares the CFPB to hold it accountable for breaking the law. 

Insistent on breaking the law, with irrefutable knowledge of their requirement to provide periodic monthly statements, SLS ignored the warning on XX/XX/XXXX by our XXXX XXXX Trustee XXXX XXXX XXXX, XXXX ( Trustee XXXX ) informing SLS that the CFPB had finalized the servicing requirements in XXXX : According to the final Rule, servicers must send monthly statements to borrows in bankruptcy. 

Trustee XXXX XX/XX/XXXX communication to SLS proved : the Bells have notified Specialized Loan Servicing, LLC asking to be sent monthly statements. To date, they have not received them. 

Because of SLS admitting we have received your written request for periodic monthly statements for this account, 12 CFR 1026.41 ( e ) ( 5 ) ( XXXX ), SLS breaking the law in front of federal agents employed by SLS as unintelligent myrmidons of thievery constitutes willful and malicious obstruction of the bankruptcy process and obstruction of the CFPB investigation processes for four valid consumer complaints through SLSs false statements, fraudulent servicing records and repugnant misrepresentations to conceal SLSs theft from consumers and securitized trusts establishes felony crimes the punishment for which under the law demands jail time. 

D. SLS LIE # 4 : Bankruptcy Rule XXXX Mandatory reporting requirements : To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : All on-going post-petition payments will be applied in accordance with the most recently noticed Payment Change Notice ( PCN ) pursuant to Rule XXXX. 

Exhibit C XXXX XXXX. XXXX Plan - XXXX XXXX XXXX XXXX XXXX XXXX ( SLS Theft ) = secured by a security interest in our principal residence and the plan provides that we will make contractual installment payments. 

Exhibit D : SLS HAS NOT FILED MANDATORY XXXX XXXX NOTICE OF PAYMENT CHANGES The DOJ and US Trustee Program has addressed the problem of non-compliance with Bankruptcy Rule XXXX through the Federal Consent Judgment with XXXX XXXX Bank, XXXX. ( XXXX ) filed in the XXXX Bankruptcy XXXX for the XXXX of Maryland. 

https : XXXX [ I ] t is clear that XXXX XXXX was intended to apply even if, as is the case here, the debtor is not in default on his mortgage. In re XXXX, XXXX B.R. XXXX ( XXXX ). Rule XXXX was designed to prevent unexpected deficiencies in a mortgage when a case is completed and closed. It does so by ( 1 ) requiring mortgage lenders to give debtors notice of changes to their mortgage payments and notice of certain fees, expenses, and charges; and ( 2 ) providing a mechanism for debtors to challenge those payments or fees, expenses, or charges. Id. 

The mandatory requirement of XXXX XXXX demands a court filing ever month for a variable HELOC. The variable HELOC in the present case establishes that SLS lied to the CFPB agents having never ever filed a XXXX XXXX. 

Again, SLS having never complied with the law or the mandatory requirement of XXXX XXXX, unquestionably proved SLS breaking the law in front of federal agents employed by SLS as unintelligent myrmidons of thievery is willful and malicious obstruction of the bankruptcy process and obstruction of the CFPB investigation processes for four valid consumer complaints through SLSs false statements, fraudulent servicing records and repugnant misrepresentations to conceal SLSs theft from consumers and securitized trusts establishes felony crimes the punishment for which under the law demands jail time. 

E. SLS Lie # 5 : Fraudulent XXXX reports with fraudulent data : To impede the CFPBs investigation, SLSs XX/XX/XXXX Response contains lies and false statements : With regard to credit reporting, we report the delinquency as of the bankruptcy petition date of XX/XX/XXXX... 

On XX/XX/XXXX, Trustee XXXX email to SLS made clear : 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. 

In agreement with XXXX XXXX, on XX/XX/XXXX, our current XXXX XXXX Trustee XXXX XXXX XXXX ( Trustee XXXX ), by way of staff attorney XXXX XXXX, clarified the status of SLS Claim 3-1, being paid outside the confirmation plan, and being paid by contract, stating : no arrears on this claim. 

Thus, SLS lied to federal agents in its XX/XX/XXXX Response to the CFPB by stating we report the delinquency as of the bankruptcy petition date of XX/XX/XXXX when in fact both XXXX XXXX Trustees, XXXX XXXX and XXXX XXXX, agree that there has never been any delinquency on this loan. 

Simply put in addition to lying to federal agents, SLS misuses fraudulent XXXX reports to threaten and harass us and other consumers. SLS misuses fraudulent XXXX credit reports by fraudulently changing data in the fraudulent XXXX credit reports on a daily basis creating false histories and falsely imposed impact on consumer accounts which exemplifies the worthless value of credit reporting companies and their reports. 

III. SLSS FELONY XXXX 18 USC 1519 As evidenced by exhibits A-C and summarized above, SLS knowingly alters, destroys, mutilates, conceals, covers up, falsifies, and makes false entries in records and documents with the intention of impeding, obstructing, and influencing the investigation and proper administration of XXXXr XXXX bankruptcies and consumer complaints within the jurisdiction of the XXXX and CFPB respectively.

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