Debt collection -- Took or threatened to take negative or legal action -- Complaint #8119511
Complaint Overview
Complaint ID: 8119511
Company: Specialized Loan Servicing Holdings LLC
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Seized or attempted to seize your property
State: Texas
ZIP Code: XXXXX
Date Received: 2024-01-06T12:00:00-05:00
Date Sent to Company: 2024-01-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
Regarding complaint # XXXX SLS mentioned that they received my 2nd loan from XXXX, but in previous correspondence they said they obtained it from the trustee, which was attorney XXXX XXXX XXXX SLS stated : " With regard to the documentation received from XXXX XXXX regarding the modification of the first mortgage loan that occurred on XX/XX/XXXX, the amount capitalized into the first mortgage principal balance in the amount of {$10000.00} appears to be for delinquent interest in the amount of {$4200.00}, escrow in the amount of {$3400.00}, and fees in the amount of {$2200.00} ''. ( First of all, that information did not come from SLS. SLS never proved that they were even assigned my loan. ) If you add the escrow of {$710.00} to the {$10000.00}, the total is within XXXX cents of what SLS says I owed. The top page of the attachment is from SLS. That amount was added to the primary loan, see principal balance after transaction on the bottom page. There you have it, the 2nd loan was added to the 1st loan, as evidenced by the provisions of the modification, the increase in the 1st loan, a statement by the XXXX Rep, and I stopped receiving statements from XXXX for the 2nd loan after XX/XX/XXXX. Even though there is no proof that SLS was ever assigned my loan SLS threatened foreclosure and took me to federal court. I had to refinance my home and file bankruptcy. My family and I have undergone an incredible amount of stress. In XXXX of XXXX I paid SLS {$33000.00} under protest.
Frequently Asked Questions
What is Complaint #8119511 about?
Complaint #8119511 was filed against Specialized Loan Servicing Holdings LLC regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-01-06T12:00:00-05:00.
How did Specialized Loan Servicing Holdings LLC respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Specialized Loan Servicing Holdings LLC?
Yes, visit the Specialized Loan Servicing Holdings LLC company profile at readthecomplaint.com/company/specialized-loan-servicing-holdings-llc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.