<prompt> Human: Hi, long time reader first time poster, Ill do my best to make this as quick as possible:- Owned house last 12 years w Wells Fargo 30 year fixed, 150k left on loan- No latemissed payments, bank account auto-withdraw entire time- Mortgage in wifes name, nurse by trade, she has been a full time stay at home mom for the last 10 years, shes currently in the Philippines Balabac taking care of her dying father pertinent information- Received letter in the mail today from Specialized Loan Servicing informing us that our loan is no longer with Wells Fargo but has been transferred to them as of the 111517 letter is dated 111717, postmarked 112417- Initially thought it was a scam, called WF they informed me that yes it had been transferred and we should have received a notification letter from WF last month we never got a letter, AND a letter from SLS to setup payment, Im guessing that is the letter from SLS dated 111717.- Called SLS, they inform me that I was not authorized on the account account is in wifes name and they needed to talk to her, I explain the situation and they told me she would need to contact them for any further information. - My wife is in a very remote area and comes into the city every week or so to check email and get foodmedical supplies, I have already written her but its very possible she will not get to it until next week.QUESTION TIME:- Im extremely ignorant on most things banking but I was completely unaware that a mortgage ownership could be transferred without some sort of interaction of the owners of the home. Is it common for these companies to send letters days before a payment is due informing them?- WF informed me that its possible they could draft the Dec. withdrawal payment because I didnt contact them soon enough ?!?. Our budget is very tight and we couldnt afford to float two mortgage payments right now, why is WF auto-withdrawing if they dont own my mortgage anymore?- I have read a TON of negative things about SLS and am VERY worried about their poor business practices. Who can I contact in government to help us deal with a potentially predatory company?- We have had generally a good relationship with Wells Fargo the last 15 years or so of banking with them we have our mortgage, checking and savings accounts with them and I dont want to have a tin foil hat on but my wife left for Balabac in September and we had to go through some hoops to get wire transfer stuff setup so I could send money to my wife. I guess the first wire was flagged for money laundering or something I find it VERY suspicious that this transfer happens literally two months after the wire transfer issue. How can I find out if there is more to this servicing transfer than meets the eye?Thank you everyone for your help, you are always very kind and I appreciate all the wisdom on this subreddit.  <response>: Mortgage servicing transfers are ridiculously common, and they dont have to notify you ahead of time. To make matters worse, theyre usually done in giant blocks, like tens of thousands of mortgages if not more transferred at a time, meaning the new servicer has to to import all that data, generate all those letters, and mail them out, which can take several days -- or even a week or two. Thats really the only reason youre finding out so close to the payment date. Is there any reason you cant simply write a check for this next payment instead of doing the auto-draft thing? 