Specialized Loan Servicing LLC Mortgage Complaint

Specialized Loan Servicing LLC Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account California

My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). They hold a second mortgage against our property and have done so since -/-/-. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our - - payment was written on - -, then our -/-/- payment was written on - -, but both checks were deposited on - - ( see bank statement attached ).


told by the customer service representatives that our payment was not going up ( - ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on - -, - and that our next payment due is on - -, - and the amount due is -. But we received a letter stating our account is in default and a possible foreclosure action is pending. We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.