Bayview Loan Servicing

Please see formal response attached. 12/30/19 MBV

Please see formal response attached. 1/16/20 MBV

Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5thFloor, Coral Gables, FL XXXXXPage 1of 3Rev. 11/15/2019January 16, 2020Revdex.com of SE Florida and the Caribbean4411 Beacon Circle, Suite 4West Palm Beach, FL XXXXXCustomer Name:*** C. *** Loan Number:XXXXXXProperty Address:112 Richmond Dr.Bayview Case Number:XXXXXXXXXXXHiram, GA XXXXXXXXXXXXXXXXRegulatory Case Number: XXXXXXXXDearRevdex.com ("Revdex.com"):This letter is in response to your correspondence dated January 6, 2020, and the email dated December 26, 2019, submitted by the borrower, Mr. C. ***, received in our office regarding the above-referenced loan account.What follows is an itemized summary of the concerns of borrower, Mr. C. ***: 1.Mr. states that the Bayview Loan Servicing, LLC ("Bayview") website still reflects a loan balance which caused him to be denied for a home loan. 2.Mr. states that this loan was included in the Chapter 13 Bankruptcy. Our records indicate that *** filed a petition under Chapter 13of the Bankruptcy Code (Title 11 United States Code) on May 23, 2012, which was discharged July 24, 2017. To the extent his original obligation was discharged or is subject to an automatic stay of bankruptcy under the Bankruptcy Code, this notice is for compliance with non-bankruptcy law and/or for informational purposes only. It does not constitute an attempt to collect a debt, to reaffirm a debt, or to impose any
Page 2of 3Rev.11/15//2019personal liability on Mr.. Nothing in this communication (including our use of the words "your" "loan" "mortgage" or "account") means that Mr. is required to repay a debt that has been discharged. If Mr. original obligation was discharged, any payment he makes on the account is voluntary, but we still have rights under the security instrument, including the right to foreclose on the property.Below we have provided a response to Mr. concerns listed above.To address items1and 2above:Our records indicate that Bayview provided Mr. with information regarding the above referenced loan in our response letters dated December 30, 2019, and December 2, 2019 (copies enclosed without enclosures). The loan originated as a Subordinate Lien on February 4, 2011. As stated in our previous responses, the loan was paid through the Chapter 13 Bankruptcy; however, after speaking with the trustee,it was confirmed that the funds are in the court's registry.Bayview has filed an Amended Motion to Return Unclaimed Funds as it appears the funds were originally sent to the prior servicer. As this may be a lengthy process to resolve in the court, Bayview has made a business decision to process the lien release of the above referenced loan account in our continued efforts to assist Mr.. Please allow time for the lien release to be prepared and recorded.Also stated in our response letter dated December 30, 2019, Bayview was updating the credit reporting to reflect as paid in full as of July 24, 2017, which is the date of the Chapter 13 Discharge. Bayview apologizes for any inconvenience this *** have caused Mr.. Mr. is entitled to request additional documentation regarding his inquiry. If he wishes to do so, he may visit our website at www.bayviewloanservicing.com and submit a request to our Customer Support Department using our online form.Alternatively, Mr. *** submit a request by regular mail to: Bayview Loan Servicing, LLC Attn: Customer Support 4425 Ponce de Leon Boulevard, 5th Floor Coral Gables, FL XXXXX If Mr. has any further questions, he may contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.Thank you for the opportunity to respond to Mr. concerns.

Please see formal response attached. SP 12/18/19
December 18, 2019
Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4
West Palm Beach, Florida XXXXX
Customer Name: *** A. *** Loan Number: XXXXXXX
Property Address: *** Court Bayview Case Number: XXXXXXXXXXX
*** TX XXXXX Regulatory Case Number: XXXXXXXX
Dear Revdex.com ("Revdex.com"):
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated December 4, 2019, received in our office regarding the above-referenced loan account. What follows is an itemized summary of the concerns of borrower, *** A. ***:
1. Mr. states that "company" did not apply mortgage payments for multiple months during years 2018/2019, and reported the missed installments to the credit bureaus as late.
2. Mr. states that "company" did not implement a Harvey Disaster Relief program offered by the State of Texas in a timely manner and he called "company" hundreds of times from July 2018 to present to implement the state program started by Chase prior to the transfer of his loan to Bayview.
3. Mr. states that all payments were remitted timely; however, Bayview has mismanaged his account.
4. Mr. is requesting that Bayview submit a credit adjustment from July 2018 to present.
Below we have provided a response to each of *** A. ***'s concerns.
Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.
Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt.
The following mailing address must be used for all Error Notices & Information Requests:
Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL XXXXX
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To address all items above:
Based on a review of Mr. account, our records indicate that Bayview acquired the servicing of his loan on July 2, 2018, from JPMorgan Chase Bank, N.A. ("Chase"). At the time Mr. loan was transferred to Bayview, his account was due for the October 1, 2017, installment and all subsequent payments, fees, and costs incurred.
A review of The Federal Emergency Management Agency ("FEMA") disaster web site indicates that a Major Disaster Declaration was issued for the county in which Mr. lives (Harris) on August 25, 2017, due to Hurricane Harvey. Additionally, the FEMA site references a disaster period of August 23, 2017 through September 15, 2017.
On September 11, 2017, Chase issued Mr. the enclosed correspondence seeking his confirmation that he wished to receive payment assistance through the disaster relief program which would be in place until March 11, 2018. Under this program, Mr. would receive the following benefits:
He would receive monthly statements, but was not required to make monthly payments; however, he was encouraged to still pay some amount each month, even if it was not a full payment.
Late payments would not be reported to the credit reporting agencies.
Late charges would not be assessed.
Any automatic monthly mortgage payment service would be cancelled to ensure payments were not drafted.
At the conclusion of the program, Mr. would be required to bring his loan up to date or work with his Servicer on another repayment option.
On November 3, 2017, Chase issued Mr. the enclosed mortgage assistance application requesting that he complete the Request for Mortgage Assistance ("RMA") form and return it along with all supporting documentation by November 18, 2017. Mr. returned the completed RMA on November 14, 2017.
On November 17, 2017, Chase issued Mr. the enclosed notification which advised him that although his application for assistance had been received, additional document ion was needed to determine his eligibility for an assistance option. Specifically, Chase requested that Mr. provide copies of documents verifying the income for each borrower.
On December 15, 2017, Chase issued Mr. the enclosed correspondence advising him that the assistance period offered as part of his disaster relief was scheduled to end on March 31, 2018, and he would be required to resume making payments of $3,280.54 following the original terms of his loan on April 1, 2018. Additionally, Chase advised that if Mr. was unable to resume making payments,
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they would extend the maturity date of his Note by the number of outstanding payments owed, bringing his account up to date. To accept this offer, Mr. was required to remit three (3) consecutive monthly payments of $3,280.54 beginning January 1, 2018 through March 1, 2018.
On January 25, 2018, Chase issued Mr. the enclosed notice which advised that his request for mortgage assistance had been cancelled so that he could take advantage of the assistance being provided through the disaster relief program.
On February 15, 2018, Chase issued Mr. the enclosed correspondence advising him that the assistance period offered as part of his disaster relief was scheduled to end on March 31, 2018, and he would be required to resume making payments of $3,280.54 following the original terms of his loan on April 1, 2018. Additionally, Chase advised Mr. that if he was unable to resume making payments, they would extend the maturity date of his Note by the number of outstanding payments owed, bringing his account up to date. To accept this offer, Mr. was required to remit three (3) consecutive monthly payments of $3,280.54 beginning March 1, 2018 through *** 1, 2018.
On April 28, 2018, Chase issued Mr. the enclosed mortgage assistance application requesting that he complete the Request for Mortgage Assistance ("RMA") form and return it along with all supporting documentation by *** 13, 2018.
On *** 14, 2018, Chase issued Mr. the enclosed mortgage assistance application requesting that he complete the Request for Mortgage Assistance ("RMA") form and return it along with all supporting documentation by *** 29, 2018.
On June 6, 2018, Chase issued Mr. the enclosed correspondence advising him that his mortgage assistance through the disaster relief program would be extended until September 30, 2018. At the conclusion of the program, Mr. would be required to bring his loan up to date or work with his Servicer on another repayment option.
On June 8, 2018, Chase issued Mr. the enclosed correspondence advising him that the assistance period offered as part of his disaster relief was scheduled to end on September 30, 2018. Additionally, Chase advised Mr. that if he was unable to resume making payments, they would extend the maturity date of his Note by the number of outstanding payments owed, bringing his account up to date. To accept this offer, Mr. was required to remit three (3) consecutive monthly payments of $3,280.54 beginning July 1, 2018 through September 1, 2018.
A review of Mr. loan payment history confirms that he was able to remit the required plan payments timely. As such, Bayview issued Mr. the enclosed Loan Adjustment Agreement on November 26, 2018.
Bayview began reporting Mr. loan to the credit reporting agencies on August 5, 2018, and report his loan as "no status" for the August 5, and September 5, 2018, reporting cycles due to the payment plan agreement. A credit correction was issued by Bayview for the October 5, November 5, and December 5, 2018 cycles to report his loan as "current".
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Additionally, Bayview submitted a credit correction on August 7, 2019, to report the April 5, 2019, credit cycle as "current" as it was previously reported as 30 days delinquent.
Bayview reports to the major credit bureaus on a monthly basis and understands the importance of maintaining accurate credit reporting for all of our customers. Loans are reported as delinquent when a monthly mortgage installment is not paid within the month due. Please be informed, the processing of this credit correction is solely controlled by the credit bureaus. Therefore, we are unable to provide Mr. with the date that the credit bureaus will update their records. However, Mr. should keep this letter for his records while this correction is pending as evidence that the months in question should not have an adverse impact on his credit rating.
As it relates to Mr. assertion that Bayview did not apply multiple payments to his mortgage loan in 2018 and 2019, we believe this statement to be vague and unsubstantiated. If Mr. has supporting evidence that specific payments were not applied to his loan, or were not applied timely, we encourage him to provide that documentation for further review.
Mr. is entitled to request additional documentation regarding his inquiry. If he wishes to do so, he *** visit our website at www.bayviewloanservicing.com and submit his request to our Customer Support Department using our online form. Alternatively, he *** submit his request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If Mr. has any further questions, he *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to the concerns set forth by *** A. ***.
***
Compliance and Oversight Bayview Loan Servicing, LLC
Enclosures
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Rev. 08/06/2019

Please see formal response attached. 12/31/19 MBV

Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5thFloor, Coral Gables, FL XXXXXPage 1of 3Rev. 08/06/2019December 31, 2019Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4West Palm Beach, Florida XXXXXCustomer Name:*** Loan Number:XXXXXXXProperty *** Court Bayview Case Number:XXXXXXXXXXXSeabrook, TX XXXXXRegulatory Case Number:XXXXXXXXDear Revdex.com ("Revdex.com"):Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated December20, 2019,received in our office regarding the above-referenced loan account. What follows is an itemized summary of the concerns of borrower, ***: 1.Mr. states that Bayview's prior response issued on December 18, 2019, was "grossly inadequate, late, and NOT acceptable". 2.Mr. re-states his frustration with the purported length of time required by Bayview to acknowledgehis trial plan payments and issuehim a Loan Adjustment Agreement. 3.Mr. requests immediate credit and/or explanation of the following charges:a.July 2018 Statement -$101.00 (Rec. Corp Advance Balance)b.July 2018 Statement -$75.00 (Fees & Charges)c.June 2019 Statement -$98.48 and $75.00 both stated as "Past Due/Fees Amount". Below we have provided a response to Mr. concerns.To address all items above:
Page 2of 3Rev. 08/06/2019Bayview regrets that despite our best efforts to address all of Mr. concerns raised in his December 4, 2019, correspondence to your office, and the subsequent credit corrections submitted by Bayview on his behalf, he remains unsatisfied. However, Bayviewrespectfullydisagrees with Mr. assertion that Bayview's response was "late and grossly inadequate". As stated in our prior correspondence, Bayview acquired the servicing of Mr. loan on July 2, 2018, from JP Morgan Chase Bank, N.A. ("Chase"). At the time Mr. loan was transferred to Bayview, his account was due for the October 1, 2017, installment and all subsequent payments, fees, and costs incurred.We are aware that Mr. received payment assistance through the disaster relief program due to Hurricane Harvey, and was ultimately offered an Extension Modification Agreement by Chase on June 8, 2018.To accept this offer, Mr. was required to remit three (3) consecutive monthly payments of$3,280.54 beginning July 1, 2018 through September 1, 2018.Mr. loan serviced transferred from Chase to Bayview during this trial payment period and was considered an "in-flight"loan modification agreement. We certainly apologize for any perceived delays or lack of communication Mr. *** have experienced during this period. Mr. Dotsonwas able to successfully complete all required plan payments and a Loan Adjustment Agreement was issued to him on November 26, 2018.Bayview began reporting Mr. loan to the credit reporting agencies on August 5, 2018, and report his loan as "no status" for the August 5, and September 5, 2018, reporting cycles due to the payment plan agreement. A credit correction was issued by Bayview for the October 5, November 5, and December 5,2018 cycles to report his loan as "current".Additionally, Bayview submitted a credit correction on August 7, 2019, to report the April 5, 2019, credit cycle as "current" as it was previously reported as 30 days delinquent.As it relates to the fees/charges present on Mr. monthly Mortgage Billing Statements, please be advised that Chase issued Mr. a statement dated *** 16, 2018, which showed his loan due for the October 1, 2017, installment and a corporate advance balance due of $60.00. At the time Mr. loan transferred from Chase to Bayview, an outstanding corporate advance balance of $75.00 was present on his loan. Please be informed that these fees were not assessed by Bayview, but represent property inspections fees performed in accordance with Mr. Note and Security Instrument due to the delinquent status of his loan. On July 24, 2018, Mr. was charged a property inspection fee of $11.00, bringing his recoverable corporate advance balance to $86.00. This assessment is evidenced on Mr. August 1, 2018, Mortgage Billing Statement (copy enclosed). On October 5, 2018, Mr. was charged a property inspection fee of $15.00, bringing his recoverable corporate advance balance to $101.00. This assessment is evidenced on Mr. November 16, 2018, Mortgage Billing Statement (copy enclosed).

Please see formal responses attached. 11/15/19 MBV

Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5thFloor, Coral Gables, FL XXXXXPage 1of 3Rev. 08/06/2019November 15, 2019Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4West Palm Beach, Florida XXXXXCustomer Name:Dr. *** KingLoan Number:XXXXXXXXXXProperty Address:1007 W Fulton Market StreetBayviewCase Number: XXXXXXXXXX-XChicago, IL XXXXXRegulatory Case Number:XXXXXXXXDearRevdex.com ("Revdex.com"):This letter is in response to your correspondence dated October 11, 2019, received in our office regarding the above-referenced loan account.The borrower, ***, states that he has not received any correspondence from Bayview Loan Servicing, LLC ("Bayview") until September 2019. In addition, Dr.*** states that Bayview charged him with force-placed insurance. Lastly, Dr.*** requests to have a new point of contact at Bayview.Below we have provided a response to Dr.***'s concerns listed above.Our records indicate that Bayview began servicing Dr.***'s loan account on January 16, 2019. On February 5, 2019, Dr.*** spoke to a Bayview representative and informed that his personal residence is located in the same building as the subject property. However, Bayview did not update the system as requested and mailed all correspondence to an outdated mailing address. We apologize for the inconvenience that this *** have caused Dr.***. According to our records,Bayview updated Dr. ***'s mailing address pursuant to his aforementioned request.
Page 2of 3Rev. 08/06/2019A review of the loan account reflects that Bayview requested proof of insurance on *** 10, June 10, and June 26, 2019 (copies enclosed). As Bayview did not receive proof of insurance, Bayview generated the enclosed letter on November 5, 2019,which informed Dr.*** that we purchased lender placed insurance for a policy period of *** 3, 2019 -*** 3, 2020 to protect the interest of the subject loan's investor/insurer. Please be informed that partial premium disbursements were issued from Dr. ***'s escrow account on August 13, 2019, in the amount of $2,178.77, September 11, 2019, in the amount of $734.15, and on November 7, 2019 in the amount $710.46 for a total of $3,623.38.On November 14, 2019, Bayview received satisfactory evidence of insurance from Dr. ***.On November 15, 2019, Bayview updated your account to reflect your insurance policy and refunded your escrow account $3,623.38, which represents all disbursements issued from your escrow account for the force placed fire policy.We have enclosed supporting documentation used to complete our review of the account. You are entitled to request additional documentation regarding your inquiry. If you wish to do so, you *** visit our website at www.bayviewloanservicing.com and submit a request to our Customer Support Department using our online form.Alternatively, you *** submit a request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5thFloor
Coral Gables, FL XXXXX
If you have any further questions, you *** contact our
Customer Relations Department toll-free at
(XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to your concerns.
Sincerely,
***
Customer Support Department
Bayview Loan Servicing, LLC
Enclosures

Please see formal response attached. 11/13/19 MBV

November 13, 2019
Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4
West Palm Beach, Florida XXXXX
Customer Name: ***
Property Address: ***
Clarkston, MI XXXXX Loan Number: XXXXXXX
Bayview Case Number: XXXXXXXXXXX Regulatory Case Number: XXXXXXXX

Dear Revdex.com ("Revdex.com"):
This letter is in response to your correspondence dated October 30, 2019, received in our office regarding the above-referenced loan account. What follows is an itemized summary of the concerns of authorized third party, *** M. ***:
1. Mr. stated that he submitted a request for a Deed in Lieu ("DIL") of Foreclosure to Bayview Loan Servicing, LLC ("Bayview") on June 26, 2019. In addition, Mr. stated that his two (2) previous request for a DIL were declined due to him not being listed as an authorized third party.
2. Mr. alleges that Bayview has been unresponsive. In addition, he states that Bayview has been giving him conflicting and at times incorrect information as it pertains to his request for a DIL.
3. Mr. stated that he is dissatisfied with Bayview's single point of contact ("SPOC") process. In addition, Mr. is dissatisfied because the loan account has been reassigned to different SPOC's.
4. Mr. is disputing the property valuations in the amounts of $255,000.00 and $373,000.00.
Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.
Confirmed 511 Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt.
The following mailing address must be used for all Error Notices & Information Requests:
Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL X X XXX
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Rev 08/06/2019

Bayview Loan Servc,ng LLC
BAYVI EW 4425 Ponce de ten Eivd 5th FbD7
- Cora; Gables. FL 3,3146
LOAN
5. Mr. request that Bayview approve his request for a DIL.
Below we have provided a response to each of Mr. concerns in the order listed above.
To address items 1 and 5 above:
A review of the account indicates that Bayview began servicing the loan account on December 1, 2018.
Upon review of the loan file, our records indicate that the loan account is currently being reviewed for a DIL. Enclosed for referenced a copy of the Liquidation Acknowledgement Letter dated July 29, 2019. Additionally, please see the enclosed Liquidation Facially Complete/Missing Conditions Letter dated October 16, 2019, for reference. At this time, we still require the following information.
Title on your property contains a 2nd Mortgage. Our vendor is working to clear title and your assistance is needed in providing the 2nd Mortgage lender name, complete loan number and contact phone number.
Borrower to complete Mortgage Assistance Application provided by Fifth Third Bank (copy enclosed).
We respectfully ask that Mr. submit the missing information by the deadline of November 15, 2019, so that we *** continue to review his request for a DIL. Furthermore, please note that once the loan file is deemed complete, Bayview will advise Mr. of Ms. Adams eligibility and the DIL stipulations if a DIL approval is issued.
Additionally, enclosed for reference is a copy of the Denial Letter dated August 22, 2019. Please be informed that a denial was issued due to Mr. verbally declining the approved Balloon Amortization Trial Period Plan ("TPP") dated July 19, 2019 (copy enclosed).
To address items 2 & 3 above:
With regard to the loan account being reassigned to different asset managers and/or SPOC's, please be informed that our asset managers and/or SPOC's can be reassigned, at any time, to accommodate the needs of the loan accounts we service. Please be informed that to better assist customers with delinquent accounts, asset managers and/or SPOC's are assigned to a loan account based on the extent of the delinquency of the account. Please note that the process for reconciling delinquency *** change, which is determined by how far the account is past due.
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1.11 BAYVIEW Ba...-4;ew Loan Sermrg, LLC
4425 Perce de Lecn &\.d 5th Flay Coral Gables, FL XXXXX
Nonetheless, Bayview apologizes that Mr. feels that Bayview Representatives did not uphold the exemplary customer service standards for which Bayview strives, and thanks him for the feedback. However, a review of the account indicates that Bayview Representatives have been in frequent contact with Mr. and there have been multiple instances in which our attempts to reach Mr. were unsuccessful. Furthermore, our records indicate that Bayview has worked diligently to assist Mr. in reaching a foreclosure avoidance outcome.
To address item 4 above:
With regard to Mr. valuation dispute please be informed that a full interior appraisal is required for all liquidation request. As such, we have requested that an interior appraisal be conducted on the subject property. Once we receive a copy of the valuation report, we will inform Ms. in writing of the property value determined by the Appraisal.
Bayview denies any wrongdoing in connection with this loan file and maintains that it has serviced the loan in accordance with all applicable laws and regulations.
As of the date of this letter, the loan is due for the July 1, 2018, monthly payment and all subsequent payments due thereafter. At this time, all foreclosure activity is on hold.
Bayview would like to afford Ms. every opportunity to be reviewed for all possible alternatives to foreclosure, which *** include a forbearance, loan modification, short sale, or deed-in-lieu of foreclosure. Mr. *** contact Ms. Asset Manager, *** at XXX-XXX-XXXX to discuss the options that *** be available to her.
We have enclosed supporting documentation used to complete our review of the account. Mr. is entitled to request additional documentation regarding his inquiry. If Mr. wishes to do so, he *** visit our website at www.bavviewloanservicing.com and submit a request to our Customer Support Department using our online form. Alternatively, Mr. *** submit a request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX

If Mr. has any further questions, he *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to Mr. concerns
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Rev. 05/06/2019

BAYVIEW 83 Loan
4421" deSettalcin8tditfth Floc
Coral Gables, FL XXXXX

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Sincerely, 7 ill'
*** Hall - ***
Customer Support Department
Bayview Loan Servicing, LLC
Enclosures Cc:
*** M. ***
4611 Hillcrest Ave Royal Oak, MI XXXXX

Please see formal response attached. 11/25/19 SP

Please see formal response attached. 10/31/19 MBV

October 31, 2019 Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle West Palm Beach, Florida XXXXXCustomer Name: *** Loan Number: 2480194*** Case Number: XXXXXXXXXXXProperty Address: XXXXX County Highway URegulatory Case Number: XXXXXXXX Soldiers *** XXXXXDear Revdex.com ("Revdex.com"): This letter is in response to your correspondence dated October 17, 2019, received in our office regarding the above-captioned loan account. What follows is an itemized summary of the concerns of co-borrower Rhona J. ***.1.She is dissatisfied with her customer servicer experience with Bayview Loan Servicing, LLC ("Bayview"), as she received conflicting information from Bayview representatives regarding the amount necessary to pay her loan in full. 2.She would like a refund for the escrow balance she paid in order to refinance her loan.Below we have provided a response to each of your concerns in the order listed above.To address items 1 and 2 above:Bayview appreciates the time Ms. took to contact your office regarding this matter. We regret if Ms. was dissatisfied with her customer service experience as that is not the Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan *** Customer *** XXXXXPage 1 of 3 Rev. 08/06/2019
standard for which Bayview strives. Bayview values Ms. feedback for the opportunity itafford us to improve our processes and to enhance our communication with our customers. According to our records, *** informed Ms. in the Annual Escrow Account Disclosure Statement dated March 6, 2019 (copy enclosed), that the required escrow account balance for October 2019 was $2,970.49.Please be informed that at the time Bayview calculated the amount required to pay the loan in full, the escrow account balance was $1,283.49. This resulted in an escrow shortage in the amount of $1,687.00 ($2,970.49 -$1,283.49 = $1,687.00), which was not taken into account at the time the September 12, 2019, Payoff Statement (copy enclosed) was generated. Please also see the enclosed copy of the Mortgage Statement dated September 16, 2019, for reference. Our records indicate that Bayview provided an updated thirty (30) day Payoff Statement dated September 16, 2019 (copy enclosed), and good through October 16, 2019, which included the escrow shortage. A review of the account indicates that Bayview processed payoff funds in the amount of$30,323.04 on September 18, 2019. On October 11, 2019, Bayview issued a refund check in the amount of $3055.06 (copy enclosed). Also enclosed is a copy of the Short Year History Statement dated October 18, 2019.According to information provided by JPMorgan Chase Bank, N.A. ("Chase"), the check was cashed on October 22, 2019. Also enclosed is a copy of the Release dated October 3, 2019. We have enclosed supporting documentation used to complete our review of the account. Ms. is entitled to request additional documentation regarding this inquiry. If she wishes to do so, she may visit our website at www.bayviewloanservicing.com and submit a request to our Customer Support Department using our online form. Alternatively, Ms. *** a request byregular mail to: Bayview Loan Servicing, LLC Attn: Customer Support 4425 Ponce de Leon Boulevard, 5th Floor Coral Gables, FL XXXXXIf Ms. has any further questions, she *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET. Thank you for the opportunity to respond to your concerns.Page 2 of 3Rev. 08/06/2019

Please see formal response attached. 10/15/19 MBV

Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcythis notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5thFloor, Coral Gables, FL XXXXXPage 1of 4Rev. 08/06/2019October 15, 2019Revdex.com of SE Florida and the Caribbean4411 Beacon Circle, Suite 4West Palm Beach, FL XXXXXCustomer Name:Estate of *** Number:327705*** H. *** Case Number: XXXXXXXXXXX Property Address:XXXXX Corrington Ave.Regulatory Case Number:XXXXXXXXGrandview, MO XXXXXDearRevdex.com("Revdex.com"):This letter is in response to your correspondencedated September 30, 2019, received in our office regarding the above-referenced loan account.What follows is an itemized summary of the concerns of borrower, Ms. H. ***: 1.Ms. is disputing the amount owed at the time of she filed Bankruptcy.2.Ms. states that when the bankruptcy was completed in November 2016, Bayview Loan Servicing, LLC ("Bayview") reported that the June 1, 2016, payment was not received. She further states that she has a copy of a cashier's check in the amount of $3,000.00 that she remitted to the Bankruptcy attorney which was then remitted to Bayview. 3.Ms. is disputing the amounts reflected on the Home Affordable Mortification Program ("HAMP") modification and states that there was no explanation for this amount provided. 4.Ms. states that Bayview erroneously charged her account for eight (8) nonsufficient funds fees.
Page 2of 4Rev. 08/06/XXXXX.Ms. states that Bayview was reporting the incorrect amount owed to the credit bureaus. 6.Ms. states that Bayview continues to assess fees to her loan which has caused her monthly payment to increase from $943.67 to $958.98 as of October 1, 2019.7.Ms. states that Bayview continues to "harass" her and she has a recorded call that states that Bayview will have an arrest warrant forher. 8.Ms. states that Bayview continues to send all correspondence to the Law Firm of Dubial Judge instead of to the property address.9.Ms. is requesting that Bayview reimburse her for all the payments she has remitted. Bayview's records indicate that *** H. Jonesfiled a petition under Chapter13of the U.S. Bankruptcy Code on July 27, 2011, which was discharged on November 16, 2016. Nothing in this letter should be construed as an attempt to collect a debt against Ms. Jonespersonally or as an attempt to revive personal liability on any discharged debt. Rather, this letter serves only to respond to your correspondence.Below we have provided a response to each of Ms.'concerns in the order listed above.To address items 1, 2, 3, 4,5, and 9above:Our records indicate that Bayview has responded to substantially similar concerns in our response letters addressed to the Office of the Attorney General of Missouri dated October 4, 2019, and September 10, 2019 (copies enclosed). Bayview has also responded to similar concerns in our response letters dated June 17, 2019, April 12, 2019, April 4, 2018, July 12, 2017, and March 29, 2017 (copies enclosed). Please note that previously provided enclosure files have been omitted from this correspondence. The information presented in our prior responses sufficiently addressed Ms.' concerns.To address item 6 above:An Escrow Analysis was completed on October 3, 2018 (copy enclosed). As reflected on the Escrow Analysis,the monthly payment was to increase from $942.58 to$945.63 effective with the December 1, 2018, monthlypaymentdue to an escrow shortage. Our records indicate that Ms. has been remitting short payments.Each time a short paymentis received, the differenceis advancedby Bayview in the form ofaRecoverable Corporate Advance. Enclosed please find aCustomer Account HistoryStatementwhich reflects short payment advances on September 30, 2019, August 31, 2019, August 1, 2019,June29, 2019, June 3, 2019,for a total of $12.80 which reflects as the Recoverable Corporate Account Balance on the Monthly Mortgage Statement dated August 31, 2019(copy enclosed). Our records also indicate that an Escrow Analysis was completed on October2, 2019 (copy enclosed). Due to an escrow shortage, the monthly payment will increase to $1,001.54 effective the November 1, 2019, monthly payment.

Page 3of 4Rev. 08/06/2019There is also anNSF Balance in the amount of $0.55.Bayview received a Cashier's Check in the amount of $200.00 on March 1, 2019; however, only $196.08 was credited to the NSF Fee Balance. Our records further indicate that $3.37 was credited to the NSF Fees Balance on April 1, 2019. After crediting the NSF Fees, there remains a balance in the amount of $0.55. Please be informed that the Recoverable Corporate Account Balanceand NSF Fees arepayable at any time and will continue to reflect on the Monthly Mortgage Statement until paid. To address items 7 and 8 above:Our records indicatethat Ms. is currently represented by counseland the loan is flagged with a "No Calls"indicator.Bayview sent correspondence to the Law Office of Dubial Judge on October 9, 2019, requesting for their office to confirm whether they still representMs.. To date, Bayview has not received written permission from Ms.' attorney that would permit us to communicate with her directly. To the extent that Ms. is no longer represented by counsel, we request that she advise us of same by way of the contact information provided below.In Mrs.' correspondence she makesconclusory statements as to being harassed; however, she does not provide any facts to substantiate her claims.Ms. makes reference to threatening phone calls. However, as indicated above, Bayview is not attempting to reach Ms. by telephone.We denyany such wrongdoing and maintain that Bayviewhasadhered to all applicable guidelines and regulations with regard to the servicing of Ms.'loan account.In addition, our records do not indicate that any adjustments are warranted at this time. Ms.' request for compensation is denied.As of the date of this letter, the loan is due for the November 1, 2019, monthly payment. We have enclosed supportingdocumentation used to complete ourreview ofthe account.Ms. isentitled to request additional documentation regarding yourinquiry. If shewishesto do so, shemayvisit our website at www.bayviewloanservicing.comand submit arequest to our Customer Support Department usingour online form.Alternatively, shemay submit arequest byregular mail to: Bayview Loan Servicing,LLCAttn: Customer Support4425 Ponce de Leon Boulevard, 5thFloorCoral Gables, FL XXXXXIf you haveany further questions, youmaycontact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Mondaythrough Friday, 8:00 am to 9:00 pm ET.Thank you for the opportunity to respond to Ms. ***'concerns.
Page 4of 4Rev. 08/06/2019Sincerely,Elizabeth *** Support DepartmentBayview Loan Servicing, LLCEnclosuresCc:Law Officeof Dubial Judge1714 Deer Tracks Trail, Suite 200St. Louis, MO XXXXX

Please see attached formal response. 10/4/19 MBV

Please see formal response attached. 9/25/19 MBV

BAYVIEW
LOAN SERviCAG Barnew Loan Serviorg, LLC
4425 Ponce de Lecn Blvd 5th Floor Coral Gables, Fl. XXXXX

September 25, 2019
Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4
West Palm Beach, Florida XXXXX
Customer Name: *** E. *** Loan Number: XXXXXXX
*** A. *** Bayview Case Number: XXXXXXXXXXX
Property Address: XXXXX *** Shore Lane Regulatory Case Number: XXXXXXXX
*** Florida XXXXX
Dear Revdex.com ("Revdex.com"):
This letter is in response to your correspondence dated September 10, 2019, received in our office regarding the above-captioned loan account. What follows is an itemized summary of the concerns of co-borrower, *** E. ***:
1. She feels she has received conflicting information regarding her loan balance on her monthly statements from M&T Bank, JPMorgan Chase Bank, N.A. ("Chase") and Bayview Loan Servicing, LLC ("Bayview").
2. She believes her loan balance should be $85,000.00.
3. She would like her monthly payment to be $900.00 as her income is currently $1,000.00 per month.
Below we have provided a response to the above-referenced concerns set forth by Ms.. To address items 1 and 2 above:
Bayview appreciates the time Ms. took to contact your office with her concerns. Please note that the statement from M&T Bank, which Ms. enclosed with her correspondence, is dated June 1,
Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.
Confirmed 511 Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt.
The following mailing address must be used for all Error Notices & Information Requests:
Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL XXXXX
Page 1 of 3
Rev 08/06/2019

Baiyew Loan Service g. LLC
4425 Ponce de Leon Bid, 5th Floor
Coral Gables. FL XXXXX
LOAN SEAYICiN5
2010. Accordingly, the balance information *** not reflect the same figures on a monthly statement dated *** 9, 2019. Additionally, please be informed that the statement dated *** 9, 2019, reflects the status of the account prior to the loan adjustment according to the terms of the Loan Modification Agreement effective *** 28, 2019 (copy enclosed), and as indicated on the Mortgage Statement dated July 11, 2019, enclosed with Ms. correspondence.
Further, a review of the account history indicates that there were multiple occasions in which payments were received late or not received, resulting in the accrual of delinquent interest and the assessment of applicable fees or costs and charges per the terms of the Mortgage dated February 1, 2008 (copy enclosed).
Our records indicate that this loan was previously modified under the terms of the Loan Modification Agreement effective October 16, 2015 (copy enclosed), in which the amount of $95,408.93, comprised of escrow advancements, expenses associated with the protection and/or enforcement of the lender's interest in the subject property, and delinquent interest was added to the loan. This brought the New Principal Balance to $316,561.52. Please note that $95,755.97 of the New Principal Balance was deferred, bringing the Interest-Bearing Principal Balance to $220,805.55.
Additionally, please note that the Deferred Principal Balance increased to $99,187.12 per the *** 28, 2019, Loan Modification Agreement referenced above, as Ms. had defaulted under the terms of the above-referenced October 16, 2015, Loan Modification Agreement and requested mortgage assistance.
With regard to the amount financed, please note that the original terms as outlined in the Note dated February 1, 2008 (copy enclosed), required three hundred fifty-nine (359) payments in the amount of $1,330.55 each (or $477,667.45) and one (1) final payment in the amount of $1,326.65, to repay the loan by the scheduled maturity date of February 1, 2038. At a yearly interest rate of 5.75%, this equates a total repayment amount of $478,994.10, providing that all payments are received timely.
To address item 3 above:
Bayview understands that circumstances *** change, which *** affect one's ability to meet certain financial obligations. As such, Bayview is committed to assisting our customers explore the loss mitigation options that *** be available to them. If Ms. feels that she is unable to afford her modified monthly mortgage payment, she *** submit a hardship application to determine her eligibility for mortgage assistance.
Enclosed, please find a copy of the Uniform Applicant Assistance Form, which is also available to download from the Bayview website. Please be informed that Bayview services this loan on behalf of Federal Home Loan Mortgage Corporation ("FHLMC" or "Freddie Mac") and must adhere to their servicing guidelines, which can be found on their website: www.FreddieMac.com.
Page 2 of 3
Rev 08/06/2019

Barnew Loan Sep/icng, LLC
Iih BAYV1EW 4425 Ponce de Leon SW, 5th Floor
Coral Gables, FL XXXXX
.
At this time, the loan account is due for the October 1, 2019, monthly installment.
We have enclosed supporting documentation used to complete our review of the account. Ms. is entitled to request additional documentation regarding this inquiry. If she wishes to do so, she *** visit our website at www.bayviewloanservicing.com and submit a request to our Customer Support Department using our online form. Alternatively, Ms. *** submit a request by regular mail to:
Bayview Loan Servicing, LLC Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If Ms. has any further questions, you *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to the concerns set forth by Ms.. Sincerely,

***
Customer Support Department Bayview Loan Servicing, LLC
Enclosures Cc:
*** E. ***
*** A. ***
XXXXX *** Shore Lane *** Florida XXXXX
Page 3 of 3
Rev, 08/06/2019

Please see formal response attached. 10/7/19

October 7, 2019 Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4West Palm Beach, Florida XXXXXCustomer Name: *** E. EastLoan Number: XXXXXXX Noreen A. Duncan Bayview Case Number: XXXXXXXXXXX Property Address: XXXXX *** Shore *** Case Number: XXXXXXXXRiverview, Florida XXXXX
Dear Revdex.com ("Revdex.com"): This letter is in response to your correspondence dated September 27, 2019, received in our office regarding the above-captioned loan account. What follows is what we interpret to be the concern of co-borrower, *** E. ***:She stated that she would (not) pay anything (for her loan) this month (to Bayview Loan Servicing, LLC ("Bayview")). Below we have provided a response to the above-referenced concern set forth by Ms..We note that Ms. facsimile sent to the Revdex.com was dated September 24, 2019, which was one (1) day prior to our response being issued on September 25, 2019. In addition, the purported rebuttal did not contain any new or substantive information which would warrant additional research at this time. To the extent that Ms. and/or Ms. are experiencing hardship, we look forward to assisting them in being reviewed for any loss mitigation options available to them.However, our records indicate that this loan is past due for the October 1, 2019, monthly installment. Additionally, please be informed that Bayview services this loan on behalf of the Federal Home Loan Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL XXXXXPage 1 of 2 Rev. 08/06/2019
Mortgage Corporation ("FHLMC" or "Freddie Mac") and must adhere to their servicing guidelines, which can be found on their website: www.FreddieMac.com. Ms. is entitled to request additional documentation regarding this inquiry. If she wishes to do so, she *** visit our website at www.bayviewloanservicing.com and submit a request to our Customer Support Department using our online form. Alternatively, Ms. *** submit a request by regular mail to: Bayview Loan Servicing, LLC Attn: Customer Support 4425 Ponce de Leon Boulevard, 5th Floor Coral Gables, FL XXXXXIf Ms. has any further questions, you *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.Thank you for the opportunity to respond to the concerns set forth by Ms.. Sincerely,Christina Brandon-GómezCustomer Support DepartmentBayview Loan Servicing, LLCCc:*** E. *** A. ***12902 *** Shore *** Florida XXXXX Page 2 of 2Rev. 08/06/2019

Please see formal response attached. 9/5/19 MBV

Please see formal response attached. MBV 9/26/19

We searched our records and are unable to locate Mr. loan using the information he provided. A Bayview representative attempted to reach him by telephone, but was unsuccessful in doing so. The representative was unable to leave a message as his voice mailbox was full. We ask that Mr. provide a loan number and/or the property address so that we *** better assist him. Thank you.

We appreciate that Mr. provided his loan number. However, based on the information he provided, we believe that his loan is being serviced by Loan Care, and not by Bayview Loan Servicing, LLC. We ask that Mr. direct his concerns to the mortgage servicer of record. Thank you.

Please see formal response attached. 8/7/19 MBV

August 7, 2019
Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4
West Palm Beach, Florida XXXXX
Customer Name: *** Loan Number: XXXXXX
Property Address: *** Drive Bayview Case Number: XXXXXXXXXXX
Salinas, CA XXXXX Regulatory Case Number: XXXXXXXX
Dear Revdex.com ("Revdex.com"):
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated July 24, 2019, received in our office regarding the above-referenced loan account. What follows is an itemized summary of the concerns of borrower, ***:
1. Ms. states that she has not recently applied for workout assistance and is unsure why she received correspondence from Bayview on June 28, 2019, which indicates that financial information had been received by her to begin a loss mitigation review. She is seeking clarification surrounding the documents she received.
Below we have provided a response to each of ***' concerns. To address all items above:
On March 19, 2019, Bayview issued Ms. correspondence which detailed her Home Affordable Modification Program ("HAMP") Pay for Performance Incentive. As you *** know, under HAMP Tier 1, borrowers whose monthly mortgage payment is reduced by six (6) percent or more and who make timely monthly payments and remain in "good standing" earn and annual Pay for Performance principal
Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.
Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt.
The following mailing address must be used for all Error Notices & Information Requests:
Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL XXXXX
Page 1 of 3
Rev 08/06/2019

BAYVIEW' Bayview Loan Serviong. LLC
4425 Ponce de Leon Blvd 5th Floor Coral Gables FL XXXXX
LOAN SERMING
balance reduction payment. Ms.' maximum Pay for Performance Incentive is $1,000.00 ($83.33/month).
The principal balance reduction is accrued monthly as long as Ms.' loan is current, and credited to her loans principal balance annually on the month following the anniversary date of her trial period plan.
Additionally, a $5,000.00 additional principal balance reduction will be applied the month after the sixth anniversary of the month in which the HAMP trial plan became effective as long as the loan is in good standing at the time the final incentive is paid.
Pursuant to the guidelines set forth by the investor/insurer of your loan, Bayview issued Ms. correspondence (copy enclosed) on June 19, 2019, which advised that in order for her to retain the incentives paid to date and continue to receive the incentives stated above related to the HAMP modification, we needed her to sign, date, and return the Dodd-Frank Certification. Our records confirm that Ms. provided the requested document (copy enclosed) on June 27, 2019.
Unfortunately, the receipt of Ms.' signed Dodd-Frank Certification letter inadvertently caused a system generated Request for Mortgage Assistance ("RMA") solicitation package to be issued to her on June 28, 2019. Our records reflect that a Bayview representative contacted Ms. on July 5, 2019, to explain these sequence of events to her in detail and advised that we would have the matter resolved.
On July 8, 2019, Bayview issued Ms. the enclosed retraction letter advising that the correspondence issued to her on June 28, 2019, contained incorrect information and was sent in error.
We greatly appreciate Ms. taking the time to bring this matter to our attention, and apologize for the confusion and frustration she experienced.
Ms. is entitled to request additional documentation regarding her inquiry. If she wishes to do so, she *** visit our website at www.bavviewloanservicing.com and submit her request to our Customer Support Department using our online form. Alternatively, she *** submit her request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If Ms. has any further questions, she *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Page 2 of 3
Rev. 08/06/2019

Bayview Loan Servicing, LLC
BAYVIEW 4425 fttice de Le" Blvd. 5triFim
Coral Gables. FL XXXXX
LOAN SERVICM

Thank you for the opportunity to respond to the concerns set forth by ***.

*** F
Compliance and-Cfversight
Bayview Loan Servicing, LLC

Enclosures
Cc: ***
1839 Buckingham Drive Salinas, CA XXXXX

Please see formal response attached. MBV 9/19/19

Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained will be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcythis notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation. Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt. The following mailing address must be used for all Error Notices & Information Requests:Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5thFloor, Coral Gables, FL XXXXXPage 1of 3Rev. 08/06/2019September 19, 2019Revdex.com of SE Florida and the Caribbean 4411 Beacon Circle, Suite 4West Palm Beach, Florida XXXXXCustomer Name:*** TorresLoan Number:XXXXXXProperty Address:1839 Buckingham DriveBayviewCase Number:XXXXXXXXXXXSalinas, CA XXXXXRegulatory Case Number:XXXXXXXXDear Revdex.com ("Revdex.com"):Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated September 9, 2019,received in our office regarding the above-referenced loan account. What follows is an itemized summary of the concerns of borrower, ***: 1.Ms. references a letter issued to her by the Revdex.com dated August 20, 2019, and refutes that she ever used inappropriate language. 2.Ms. asserts that Bayview is attempting to use "reverse sociology" and has harassed her by sending her letters of "intimidation, power, and control."Below we have provided a response to each of ***'concerns.To address item 1 above:Based on a review of the documentation provided by Ms., it does not appear that theRevdex.com or Bayview suggested that she used inappropriate language. Rather, the section of the correspondence Ms. references clearly states, "Revdex.com *** edit your complaint to protect privacy rights and remove
Page 2of 3Rev. 08/06/2019inappropriate language."Bayview understands this be to a general statement provided to any consumer who might submit correspondence to the Revdex.com during a request for assistance. Additionally, Bayview has no record of Ms. using any inappropriate language during her past correspondence or communication with our office. To address item 2 above:Ms.' correspondence asserts that Bayview is attempting to use "reverse sociology" and has harassed her by sending her letters of "intimidation, power, and control."Due to the vague nature of Ms.' allegations, we are unable to address these concerns at this time. Should Ms. provide additional details regarding these allegations, we will be happy to conduct additional research and respond as appropriate. Notwithstanding the foregoing, Bayview adamantly refutes Ms.' vague allegations and maintainsthatthe loan account has been serviced according to applicable laws and servicing guidelines. As you are aware, Bayview responded to Ms.' concerns on August 7, 2019, (copy enclosed) related to an unsolicited workout assistance package being mailed to her home. Bayview believes this response adequately addressed Ms.' concerns. Ms. isentitled to request additional documentation regarding herinquiry. If she wishesto do so, shemay visit our website at www.bayviewloanservicing.comand submit herrequest to our Customer Support Department using our online form. Alternatively, shemay submit herrequest by regular mail to: Bayview Loan Servicing, LLCAttn: Customer Support4425 Ponce de Leon Boulevard, 5thFloorCoral Gables, FL XXXXXIf Ms. has any further questions, shemay contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.Thank you for the opportunity to respond to theconcernsset forth by ***.
Page 3of 3Rev. 08/06/2019Sincerely,Ryan FortenburyCompliance and Oversight Bayview Loan Servicing, LLCEnclosuresCc:***1839 Buckingham DriveSalinas, CA XXXXX

Please see formal response attached. MBV 7/23/19

BAYVIEW'
JAILOAN SERVICING
July 23, 2019

Bayview Loan Servicing, LLC
4425 Ponce de Leon Blvd. 5th Floor Coral Gables, FL XXXXX

Revdex.com of SE Florida and the Caribbean
4411 Beacon Circle, Suite 4 West Palm Beach, FL XXXXX
Customer Name: *** Loan Number: XXXXXXX
Property Address: *** Case Number: XXXXXXXXXXX &
Lorton, VA XXXXX XXXXXXXXXXX
Regulatory Case Number: XXXXXXXX
Dear Revdex.com:
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated July 9, and June 21, 2019, in regards to the above-mentioned account. What follows is an itemized summary of the concerns of borrower, ***:
1. Ms. states that she sent proof to Bayview twice that she was exempt from paying 2019
property taxes. Bayview advised her twice that the documents were not received. She then received an acknowledgment letter that the documents had been received and there was a proposed resolution date of August 5, 2019.
Below we have provided a response to each of Ms. concerns in the order listed above.
To address item 1 above:
Our records indicate that Bayview spoke to the borrower on June 21, 2019, and advised her that we had not received per previous submissions sent to Bayview. She was provided an email address and Bayview received proof that she was exempt from paying the 2019 property taxes. The system was updated
Bayview Loan Servicing, LLC a debt collector. Thi:,; letter is an attempt to collect a debt and any information
chinned will be used for (hot purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy tins notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation
Confirmed Sit Disclaimer: if you are confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan oblwlion, under slate law you arc' not personally liable for the mortgage debt and
cannot he required to use gum ov.'n etc to pay the inortr3;.c2 deht
Thi2 Error Notices & information Requests:
Bayview Loan Sonricinu-, LL C...mor Ponac de Leon boulevard, 511' Floor, Coral Gables, FL XXXXX
Page 1 of 2
Rev 12/06/18

BAYVIEW"

Bayview Loan Servicing, LLC
4425 Ponce de Leon Blvd. 5th Floor Coral Gables. FL XXXXX

accordingly on June 27, 2019. The monthly payment was adjusted from $3,094.76 to $2,467.40 effective with the July 1, 2019, monthly payment. An escrow refund was issued to the borrower on July 15, 2019, in the amount of $1,969.96 (copy enclosed).
As of the date of this letter, the loan is due for the August 1, 2019, monthly payment in the amount of $2,467.40. Enclosed is a copy of the Customer Account Activity Statement as it provides a detailed accounting of all transactions and their effective due dates for your review.
*** is entitled to request additional documentation regarding his inquiry. If she wishes to do so, she *** visit our website at www.bayviewloanservicing.com and submit her request to our Customer Support Department using our online form. Alternatively, she *** submit her request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If *** has any further questions, she *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to ***'s concerns.
***
Customer Support Department Bayview Loan Servicing, LLC
Enclosures
CC: ***
P.O. Box 1024 Lorton, VA XXXXX

Please see formal response attached. 8/2/19 MBV

h4 BayveN Loan Servcrig LLC
BAYVIEW' 4425 Pence to Leon Etvd, 5th Hoar
Coral GaNes; FL XXXXX
August 2, 2019

Revdex.com of SE Florida and the Caribbean
4411 Beacon Circle, Suite 4 West Palm Beach, FL XXXXX
Customer Name: *** Loan Number: XXXXXXX
Property Address:, *** Case Number: XXXXXXXXXXX
Lorton, VA XXXXX Regulatory Case Number: XXXXXXXX
Dear Revdex.com:
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated July 25, 2019, in regards to the above-mentioned account. What follows is an itemized summary of the concerns of borrower, ***:
1. Ms. states that the refund received from Bayview was not sufficient and is requesting the full amount paid for the 2019 taxes.
2. Ms. also states that Bayview failed to provide a re-amortization schedule.
Below we have provided a response to each of Ms. concerns in the order listed above.
To address item 1 above:
Please note that the last tax payment was paid on November 6, 2018, in the amount of $3,320.95. This payment was for the first half of the 2019 property taxes as they are paid semi-annually. Ms. received a letter from the County of Fairfax, Virginia dated *** 22, 2019, advising that they reviewed her application for tax year 2019, and she was approved for Real Estate Tax Relief. After Ms. provided
Bayview Loan Set vicinc, (LC_ is d debt collector. This letter is an attempt to collect
i3 debt and any information
obtained thH: purpose To the extent that your obligation has Kenn dkchorged or is subject to ao
automatic O: for compliance and inforrnalional purpm.es only ;-_md does not constitute
a demand to, 0. yttit2r.t (mpl to collect such obligation.
r.:::t:fs.:,r; Ii ;cm! c.onfi:nwd Su«:es,,or in Interest to the ;naafi rerlNy., ttnH,5. you
as,.,t,:n-te under slate law you are not pert;onajiy 10f the nil 1 tIC!ge cieht ;and
connol l'C,,XXXXXCo i;) to pay I he i-iortgage debt.
for all Error Notices & Requests:
C 1/1 25 Ponce de Leon 5' Floor, CorA Gables, FL 331,16
Page 1 of 2
Rev 12/06/18

via
Bayview with a copy of the letter from the County, Bayview updated the system accordingly on June 27, 2019. The monthly payment was adjusted from $3,094.76 to $2,467.40 effective with the July 1, 2019, monthly payment. An escrow analysis was completed on July 15, 2019 (copy enclosed) which reflected an escrow surplus in the amount of $1,969.96. This amount was refunded to the borrower on July 15, 2019, (copy enclosed).
Bayview will reach out to the County to find out if they will be providing a refund of the taxes paid for 2019. Unless the County provides a refund, Bayview is unable to disburse additional funds to the borrower.
To address item 2 above:
The escrow account does not affect the terms of the loan. As the principal and interest are not affected by the escrow account, we cannot re-amortize the loan.
*** is entitled to request additional documentation regarding his inquiry. If she wishes to do so, she *** visit our website at www.bavv(ewloanservicing.com and submit her request to our Customer Support Department using our online form. Alternatively, she *** submit her request by regular mail to:
Bayview Loan Servicing, LLC Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If *** has any further questions, she *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to ***'s concerns. Sincerely,***
Customer Support Department Bayview Loan Servicing, LLC
Enclosures
CC: ***
P.O. Box 1024 Lorton, VA XXXXX

Please see formal response attached. 6/21/19 MBV

BAYV I EW
LOAN SERVICING Bayview Loan Servicing, LLC
4425 Ponce de Leon Blvd. 5th Floor Coral Gables, FL XXXXX

June 21, 2019
Revdex.com of SE Florida and the Caribbean
4411 Beacon Circle, Suite 4 West Palm Beach, FL XXXXX
Customer Name: *** G. *** Loan Number: XXXXXX
Property Address: ***. Bayview Case Number: XXXXXXXXXXX
Clarksville, TN XXXXX Regulatory Case Number: XXXXXXXX
Dear Revdex.com:
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated June 7, 2019, in regards to the above-mentioned account. What follows is an itemized summary of the concerns of borrower, ***:
1. Mr. states that he received an insurance claim check in the amount of $19 0,725.40 and sent it to Bayview on *** 3, 2019, to be endorsed. Bayview sent him documents to be filled out and returned with the check.
2. Mr. states that he waited fourteen (14) days to contact Bayview for the status. He was advised by Bayview that we required a signed letter from him stating that he would like the loan paid off with the insurance proceeds and for the remaining balance to be returned to him. He sent this to Bayview on *** 20, 2019.
3. Mr. states that his loan was not paid off until *** 31, 2019, and for a different amount than what was originally stated and he has still not received these funds.
Below we have provided a response to each of Mr. concerns in the order listed above.
Bayview Loan Servicing, LLC is a debt collector. This letter is an attempt to collect a debt and any information obtained *** be used for that purpose. To the extent that your obligation has been discharged or is subject to an automatic stay of bankruptcy this notice is for compliance and informational purposes only and does not constitute a demand for payment or any attempt to collect such obligation.
Confirmed SII Disclaimer: If you are a confirmed Successor in Interest to the mortgaged property, unless you assume the mortgage loan obligation, under state law you are not personally liable for the mortgage debt and cannot be required to use your own assets to pay the mortgage debt.
The following mailing address must be used for all Error Notices & Information Requests:
Bayview Loan Servicing, LLC, Customer Support, 4425 Ponce de Leon Boulevard, 5th Floor, Coral Gables, FL XXXXX
Page 1 of 3
Rev 12/06/18

BAYVIEW
LOAN SERviCING

Bayview Loan Servicing, LLC
4425 Ponce de Leon Blvd. 5th Floor Coral Gables, FL XXXXX

To address items 1 and 2 above:
Our records indicate that Mr. contacted Bayview on *** 9, 2019, and advised us that he had the insurance check in the amount of $190,725.40 and he would like to payoff the loan. We sent him the procedure package (copy enclosed) via email to ***1142@compcastet. Bayview also advised him to send in the signed claim check, adjuster's report and the owner's affidavit and once received it could take up to three (3) weeks to process. On *** 13, 2019, the claim check was received and sent to be deposited. On *** 16, 2019, Mr. called for the status and he was advised that we require a letter from him stating that he would like the loan paid off with the insurance proceeds. Mr. called again on *** 20, 2019, and he was again advised him that we are pending the letter from him which must be signed; this was received on *** 28, 2019 (copy enclosed). The loan was paid off on *** 29, 2019, Bayview began paying off the loan which was completed on *** 30, 2019. Mr. was sent a Payoff acknowledgement letter on *** 31, 2019 (copy enclosed) advising the borrower that any funds received in excess of the payoff amount and/or remaining escrow funds *** be forwarded to him twenty (20) business days from the payoff date. Please note that twenty business days from the payoff is June 27, 2019, and he *** receive the refund by that date if not before.
To address item 2 above:
Our records indicate that a Payoff Statement was generated on *** 1, 2019 (copy enclosed) which reflects a payoff in the amount of $51,592.91 good through *** 15, 2019. An updated Payoff Statement was generated on *** 29, 2019 (copy enclosed) with a payoff in the amount of $51,037.50 which is the same amount reflected on the Customer Account Activity Statement (copy enclosed) and less than the payoff amount provided on *** 1, 2019, resulting in a higher refund amount.
Bayview denies any wrongdoing with the processing of the claim check and payoff of the loan account as everything has been processed within the stated time frame. Also please note that these funds are from an insurance claim (restricted escrow) and are typically not used to pay any portion of the loan as these funds are required to be used to pay for the repairs of the property to protect our mutual interest; the subject property.
*** is entitled to request additional documentation regarding their inquiry. If he wishes to do so, he *** visit our website at www.bavviewloanservicing.com and submit his request to our Customer Support Department using our online form. Alternatively, he *** submit his request by regular mail to:
Bayview Loan Servicing, LLC
Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor Coral Gables, FL XXXXX
If *** has any further questions, he *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.

BAYV IEW(r)
LOAN SERVICING Bayview Loan Servicing, LLC
4425 Ponce de Leon Blvd. 5th Floor Coral Gables, FL XXXXX

Thank you for the opportunity to respond to ***'s concerns.
***
Customer Support Department Bayview Loan Servicing, LLC
Enclosures
CC: ***
P.O. Box 21
Orlinda, TN XXXXX

Please see formal response attached.

Please see formal response attached. 6/14/19 MBV

Please see formal response attached. 6/11/19 MBV

BAYVIEW
June 11, 2019

Bayviev: Loan Servicing, LLC
4425 Ponce de Leon Blvd 5th Floor Coral Gables, FL XXXXX

Revdex.com of SE Florida and the Caribbean
4411 Beacon Circle, Suite 4 West Palm Beach, FL XXXXX
Customer Name: *** Loan Number: XXXXXX
Property Address: 216 Union Ave. Bayview Case Number: XXXXXXXXXXX
Clifton, NJ XXXXX Regulatory Case Number: XXXXXXX
Dear Revdex.com:
Bayview Loan Servicing, LLC ("Bayview") is in receipt of your correspondence dated *** 28, 2019, in regards to the above-mentioned account. What follows is an itemized summary of the concerns of borrower, ***, and the authorized third party, *** Ling-***:
1. Ms. Ling-*** states that since the time Bayview has been servicing the loan, there has always been a problem with the payments.
2. She states that her name was removed from the mortgage.
Below we have provided a response to each of Mr. and Ms. Ling-***' concerns in the order listed above.
To address item 1 above:
Our records indicate that Bayview acquired the servicing of the loan effective October 16, 2012. Bayview approved the loan for a modification on January 20, 2016 (copy enclosed) which brought the loan current from *** 1, 2012 to February 1, 2016, and reduced the interest rate from a 6.125 percent step rate to a
Bayview Loan Servicing, LLC is, a debt collector. This letter is an attempt to collect a debt and any information obtained will he used for that purpose. To the extent tl 'at your obligation has been discharged or is subject to an automatic stay of bankruptcy this non«e is for compliance and informational purposes only and does not constitute a demand for payment or any all empt to collect such oPhgat
Confirmed 511 Disclaimer: If you are confirmed Succr-ssor in Interest 10 1ne nor igaged [Honer-1y, unless you
assume the mortgage loan obligation, under stain law you not personally liable for ihe mortgage debt end
cannot be required to use your own assets to pay the mortgage., debt.
The following mailing address must be used for all Error Notices tt Information Requests:
Bayview Loan Servicing, LLC, Custmiler Support, 4425 Police de Leon Eoulevard" 5th Floor, Coral Gables, FL XXXXX
Page 1 of 2
Rev-12/06/18

BAYVIEW' Loan Sa',' cIng. LLC
1475 Ponce n Leon Blvd 5111Foor Corgi Gabes. FL XXXXX

2.000 percent step rate. The borrower was then reviewed for another possible loan modification which resulted in denials dated *** 30, 2018, and November 2, 2018 (copies enclosed) due to the requests being incomplete. On April 1, 2019, the loan was reinstated.
To address item 2 above:
Our records indicate that the loan originated in the name of *** per the enclosed copy of the Note. Our records do indicate that *** Ling-*** reflects as an authorized third party in our system.
As of the date of this letter, the loan is due for the July 1, 2019, monthly payment. Enclosed is a copy of the Customer Account Activity Statement as it provides a detailed accounting of all transactions and their effective due dates for your review.
***, and *** Ling-*** are entitled to request additional documentation regarding their inquiry. If they wish to do so, they *** visit our website at www.bavviewloanservicing.com and submit their request to our Customer Support Department using our online form. Alternatively, they *** submit their request by regular mail to:
Bayview Loan Servicing, LLC Attn: Customer Support
4425 Ponce de Leon Boulevard, 5th Floor
Coral Gables, FL XXXXX
If ***, and *** Ling-*** have any further questions, they *** contact our Customer Relations Department toll-free at (XXX) XXX-XXXX, Monday through Friday, 8:00 am to 9:00 pm ET.
Thank you for the opportunity to respond to ***, and *** Ling-***' concerns.
***
Customer Support Department Bayview Loan Servicing, LLC
Enclosures
CC: ***
*** Ling-*** 216 Union Ave. Clifton, NJ XXXXX

Please see formal response attached. 5/23/19 MBV

Please see formal response attached. 5/21/19 MBV

Please see formal response attached. 5/13/19 MBV