Specialized Loan Servicing Complaint

Specialized Loan Servicing LLC Mortgage department,

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

I opened case # - on -/-/2016 because each month, since -/-/2016 SLS has been receiving my monthly payments on time but " losing them '' and then charging me a late fee as well as reporting late payments being made on my payment history, which impacts my credit score. In -/-/-, SLS claimed the -/-/- payment was late because it was returned due to an wrong account number. This is NOT true. The account number is the same account # I have had since SLS became my lender. The payments are sent directly from - to SLS electronically. If you listen to the tape of the recorded phone conversation between - at SLS and I -/-/2016 you will here her admit that the cashier made an error and that the payment was returned in error to -. - then told me that I needed to re-send the payment, which I did that very day and that they received it on -/-/2016 ( ref # - ). She also asked me to send proof of payment, which I submitted via - mail. I also notified them that on -/-/2016 they would also receive the -/-/- payment ( ref # -

I was given by - on -/-/2016 and that I have been using every month when they ask me to submit proof of payment. ( -, -, CO -. ) Today, -/-/2016, I received a notice from SLS stating the proof of payment went to the wrong address and that I was charged a late fee of $9.00. SLS needs to remove the late fee and correct my credit reporting history. The -/-/- payment was NOT late. They received it on -/-/2016 and they returned it in error to -. Again, listen to the recording which I know was made of the phone call and you will here - state that the cashier returned the check in error and for me to resubmit the payment as well as an explanation, proof of payment and the copy of the email - sent to me notifying me the payment was returned on -/-/2016. Claiming that a payment was not made on time and then charging a late fee or claiming an incorrect address or incorrect account # was on the payment/check and then charging a late fee is -. SLS has been doing this to me every month since -/-/2016 Furthermore, the excuse that a payment was not received due to an incorrect address is ridiculous since the payments are always sent electronically. An incorrect address is the excuse that the - - on -/-/2016 made for the " lost '' payment. I asked to speak to a supervisor since I was not getting anywhere speaking with anyone else in either the - department or - department. I want someone above a supervisor level to look at my account, process the payment correctly, remove the late fee, correct my credit reporting history and then send me written proof this was all done. I have always had a near perfect credit score and I will not allow fraudulent practices by SLS to charge me late fees and ruin my credit score.