I woke up yesterday surprised that *Specialized Loan Servicing* pulled our mortgage even though it's slated for the first of January.

The current amount shows pending withdrawal in my bank account, and the money is already 'gone.'

I checked their site, and it says it will pull again tomorrow with no indication that they've received the funds already deducted from my bank account. I assume their service pulled the funds early due to the New Year Holiday?  I've funded my account with enough money in case it attempts to pull again.

I'm Fairly new to paying for a mortgage and have heard sketchy stuff about SLS. It has accurately and successfully pulled on the first for two months but this one is different. Does anyone have insight or dealt with something similar?
It seems like you're dealing with a potential error or miscommunication with Specialized Loan Servicing (SLS). This situation can be quite confusing, especially if you're new to managing a mortgage payment. Generally, lenders should only withdraw the funds on the date you've agreed upon. If the payment is deducted earlier, it could be due to a variety of reasons, including processing times or a potential error.

Here are some steps to address this issue:

1. **Contact SLS directly**: The first step should be contacting SLS's customer service. They can provide information about the payment withdrawal and why it might have been processed earlier than expected. Make sure to note down the date and time of your call, the name of the representative you speak with, and the information they provide.

2. **Check your mortgage agreement**: Review the terms of your mortgage agreement to see if there are any clauses about early payment withdrawals. If there's nothing in the agreement that allows for early withdrawals, you may have grounds to dispute the transaction.

3. **Monitor your bank account**: Keep a close eye on your bank account to see if another payment is withdrawn. If a second payment is withdrawn, contact your bank immediately to inform them of the unauthorized transaction. They may be able to help you dispute the charge.

4. **Document everything**: Keep a record of all communications and transactions related to this issue. This can be helpful if you need to dispute the payment or if there are any future issues with your mortgage payments.

Remember, it's important to always check your bank statements and mortgage account regularly to catch any potential issues early. It's also a good idea to keep a separate savings account to cover unexpected expenses or errors like this one. 

Lastly, if you feel uncomfortable with SLS, you have the right to refinance your mortgage with another lender, although this will come with its own costs and considerations.
### Human
I woke up yesterday surprised that *Specialized Loan Servicing* pulled our mortgage even though it's slated for the first of January.

The current amount shows pending withdrawal in my bank account, and the money is already 'gone.'

I checked their site, and it says it will pull again tomorrow with no indication that they've received the funds already deducted from my bank account. I assume their service pulled the funds early due to the New Year Holiday?  I've funded my account with enough money in case it attempts to pull again.

I'm Fairly new to paying for a mortgage and have heard sketchy stuff about SLS. It has accurately and successfully pulled on the first for two months but this one is different. Does anyone have insight or dealt with something similar?

### Assistant
It seems like you're dealing with a potential error or miscommunication with Specialized Loan Servicing (SLS). This situation can be quite confusing, especially if you're new to managing a mortgage payment. Generally, lenders should only withdraw the funds on the date you've agreed upon. If the payment is deducted earlier, it could be due to a variety of reasons, including processing times or a potential error.

Here are some steps to address this issue:

1. **Contact SLS directly**: The first step should be contacting SLS's customer service. They can provide information about the payment withdrawal and why it might have been processed earlier than expected. Make sure to note down the date and time of your call, the name of the representative you speak with, and the information they provide.

2. **Check your mortgage agreement**: Review the terms of your mortgage agreement to see if there are any clauses about early payment withdrawals. If there's nothing in the agreement that allows for early withdrawals, you may have grounds to dispute the transaction.

3. **Monitor your bank account**: Keep a close eye on your bank account to see if another payment is withdrawn. If a second payment is withdrawn, contact your bank immediately to inform them of the unauthorized transaction. They may be able to help you dispute the charge.

4. **Document everything**: Keep a record of all communications and transactions related to this issue. This can be helpful if you need to dispute the payment or if there are any future issues with your mortgage payments.

Remember, it's important to always check your bank statements and mortgage account regularly to catch any potential issues early. It's also a good idea to keep a separate savings account to cover unexpected expenses or errors like this one. 

Lastly, if you feel uncomfortable with SLS, you have the right to refinance your mortgage with another lender, although this will come with its own costs and considerations.<eos_token>