Despite having Federal Flood Insurance Specialized Loan Servicing placed forced flood insurance on our house. Since there was a change in the amount of the payment they cancelled our automatic electronic payments. After submitting proof of coverage they removed the forced flood so I asked to have Automatic payments applied again. SLS indicated that it would take more than a month for the electronic payments to be reestablished I made the next month 's payment early, recieved a confermation number and verbal ( recorded ) confirmation that is was completed. SLS mishandled the payment, withdrew the incorrect amount of money and applied the money as principal rather than making the monthly payment as agreed. SLS then claimed the monthly payment was not made, made a report to credit reporting agencies and charged late fees. SLS then failed to honor the electronic payment request for the following month. SLS made false statements regarding the situation to myself and made threatening statements to my wife when she called to inquire about the situation. 
