My mortgage account was transferred from XXXX XXXX XXXX XXXX to SLS in XXXX XXXX. I made the XXXX payment to XXXX and the XXXX payment to SLS. The statement I received from SLS showed a mortgage payment amount that was higher than the XXXX payment. Upon contacting SLS they informed me that part of the payment was escrow of taxes and insurance and part of it was 'fees ' SLS paid to XXXX on my behalf. However, they did not know what the fees were for. I informed them that I pay my own taxes and insurance so there should be no escrow fees. I also advised them that I needed to understand what the other fees were for. They said they did not know what the fees were for. My initial call to them regarding this issue was in XXXX of XXXX. As of today, XXXX XXXX, XXXX, SLS is aware that I do not escrow and they still contend that they do n't know what the other fees are for although they expect me to pay them. They have all the correct documentation that the tax and insurance payments are current. However, they have not adjusted the statement nor have they applied the XXXX payment to the mortgage. They have applied the XXXX payment to the mysterious 'fees '. This company 's practices are predatory in nature and their license to act as a loan servicing company should be revoked immediately. The only recourse I have to avoid a late payment on my credit report is to pay the additional fees they are extorting from me. I had NO idea they had not applied the XXXX payment until I reached out to them on Friday, XXXX XXXX, XXXX. At NO point have they tried to contact me regarding a late payment. I also contacted XXXX regarding the issue. XXXX was very clear that they NEVER communicated to SLS that there was an escrow balance. This further convinces me that SLS decided to add escrow fees to my account in an effort to extort other fees, e.g. late fees, on my account that I would be forced to pay. Stop these criminals NOW. 
