Complaint Review: Specialized Loan Servicing

I have worked for 2 years to get a modification on my mortgage. I would submit documents. Call back a week later like they recommend just to be told they are missing pieces. I would submit those and then call back to check on it and would be told that some of the documents are outdated and need to be replaced with current documents. I would do that then wait because it can take 30 days for paperwork to go through underwriting. It would never get sent so I would have to resubmit everything again because it was outdated....again.

I finally received a loan modification but due to household circumstances, had to make some changes and have everything re-reviewed. I submitted new paperwork with all the appropriate appeal and change documentation a month ago. I have called once a week since. I have spoken to 5 different people in the last month and at one point was told that everything had gone through underwriting and sent to the workout agent. That was a lie. None of my paperwork has moved in a month. In fact I was told today that everything was received last week when I called. Which is not true. I have email and fax proof showing when everything was sent a month ago.

I have a bankruptcy on my account so I understand they won't contact me directly, which is why I call once a week. But that bankruptcy doesn't keep a person from telling me the truth nor does it keep a person from doing their job.

I have a single point of contact whom I have never spoken with.

I get the feeling from this company that they don't care about their customers or the service they give. In all honesty, you are probably better off letting your house go into foreclosure or doing a deed in lieu. By the time you are done with these people are you so far gone that whatever assistance these people give you probably won't do much good.