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None. I am writing about Specialized Loan Servicing ( XXXX XXXX XXXX, XXXX XXXX XXXX XXXX CO XXXX XXXX www.sls.net ). Unfortunately, my mortgage was sold to them from XXXX XXXX. They are very difficult to work with, they commit acts of fraud, and they do not answer their phones. I changed my automatic payment to a new bank toward teh end of XXXX. The website said it would be effective one month later or XX/XX/XXXX. Since the auto payment would not draw process for a month, to ensure I was not in default I made a one time payment. They then auto-drafted a payment for XX/XX/XXXX which was told by their website would not happen for another month later. I now paid my mortgage payment twice in a month causing me extreme financial hardship. I contacted them and actually got a representative.