Specialized Loan Servicing LLC Mortgage Complaint

Specialized Loan Servicing LLC Mortgage department,

FHA mortgage Loan modification,collection,foreclosure Georgia

I had a mortgage loan that was never late since inception ( - ). In - -, I applied for a loan modification for the third times ( since - ) and was finally approved. The trial period started in - and completed successfully with - payment. However, while waiting for the permanent loan modification contract to arrive ( which servicer never sent out ), the loan was transferred to Specialized Loan Servicing ( SLS '' ) in - -, -. Please understand that the actual monthly payment was $800.00, But because the servicer was fraudulently claiming - it paid $1100.00 for property tax ( while the county record shows that it paid only $990.00 ) ; therefore, it increased my monthly amount to $820.00. Therefore, I refer to $820.00 as


), it reported to credit agencies the account 3 months late ( 30, 60, 90+ days late ). As soon as SLS received the loan, it initiated sending - collection and foreclosure certified letters to me. Through - phone calls to SLS or its own collection calls, I tried very hard to, make SLS understand that the loan was not late. I did not succeed. Therefore, starting from - -, along with each monthly full payment '', I sent a certified letter to the SLS president asking him to investigate the issue before sending/having its representatives call me for collection or foreclosure threat or sending me the same type of letters. I repeatedly asked that I needed to hear from someone at the SLS corporate level ( someone who would not lie and was competent ) to resolve the issues and that if I TRULY owe an amount ( after all the correction ), I will be glad to pay what is TRULY owed. I even asked for a complete loan history since - -. SLS refused to call me or sending me any accounting. The only thing I would receive from SLS was either a collection call or certified foreclosure letters. I have a big pile of these types of letter from SLS. - through - - ( each month ) along with a Full monthly '' payment, I sent SLS president a certified letter asking - since it claims to be a collection agency, then according to the law, it must investigate and also provide me ( a borrower ) statement of the account. SLS refused and never did anything. The last call to SLS ( besides the many lies I repeatedly hear from its representatives - - says - thing and another says completely the opposite- on recorded calls ), I hear that even if I bring the account current ( even based on their miscalculation ), they WILL STILL REPORT MY ACCOUNT ( that has never been late ) - as two-three months 60 days late to the credit agencies ). TO ADD INSULT TO INJURY, SLS is not reporting the account to my credit report.