To Whom it May Concern : I would like to file a complaint against Specialized Loan Servicing , Inc. ( SLS ). Upon transferring my loan to SLS there have been numerous billing errors, incorrect information reported to the credit reporting agencies, and an unwillingness to correct any errors. Here are some of the numerous errors that effected my account:1 ) Balance Due : My initial statements listed my balance due at {$150000.00}. This was over twice the amount I owed ( $ XXXX ). 

2 ) Billing Statement Errors : APR/Per Diem Interest Rate : They incorrectly billed me at over 8 % interest. My rate should have been 4.75 %. I was over charged {$320.00}. They later corrected the interest charges but never removed the overcharges. 

3 ) HELOC Billing Rights : Under the terms of my loan, all disputed discepencies must be corrected within 90 days and will not be reported to the credit agencies. 
My attorney contacted SLS in writing on XXXX XXXX, 2015, XXXX XXXX, 2015, XXXX XXXX, 2015, and XXXX XXXX, 2015. We also called numerous times to no-avail. 

4 ) Harassment/Over Charges : The entire balance was paid in full on XXXX XXXX, 2015. They continue to send me bills and continue to charge me fees. They have already charged me recording and processing fees XXXX ( which I have paid ). They continue to send me bills stating I owe them an additional {$1700.00}. 

5 ) Inaccurate information Reported to Credit Agencies : Despite the many errors they reported faulty information to the credit reporting agencies. They never corrected the overcharges. Despite my disputes they reported my account as over 90 days late to the credit agencies ( which was not allowed according to my HELOC agreement ). The account was paid in full in XXXX, yet they refuse to remove it from my credit report. When I call, they have told me that because I have disputed the information, they can not remove the late pay or adjust the inaccurate information. 

I can send copies of all of my statements and bills, the letters from my attorney and an XLS spreadsheet of all the errors that I have experienced for your review. 
