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Coastal Realty and Marketing Reviews (170)

October 31, [redacted] ***POBOX [redacted] City, Taiwan [redacted] gmail.comRE: Complaint ID: [redacted] Reference #: [redacted] Homeowner: [redacted] *** Property: [redacted] Ave [redacted] ***, CA 90813Dear MsR***:This letter is in response to the Revdex.com of the Upstate complaint received on October 24, 2017, regarding the subject property [redacted] Life Insurance Company is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (Shellpoint) began servicing the loan on the behalf of the owner referenced above on or about November 11, 2016.Please know that Shellpoint takes its customer Service and consumer protection obligations Very Seriously and has significant Staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns.Per the complaint, Mr [redacted] advises he sent three letters prior to making his October mortgage payment and did not want Shellpoint to draft his September 1, payment through ACHHowever, Shellpoint drafted a payment on October 15, 2017, which resulted in a $fee assessed by his bank for a rejected paymentFurthermore, Mr [redacted] would like the name of the owner of the loan.An Automatic Payment Enrollment Form (ACH) request was signed and faxed to Shellpoint on January 24, The first draft date was requested for February 15, in the amount of $1,On February 15, Shellpoint drafted Mr***'s payment of 1,On February 7, Shellpoint received a second request for ACH draft to begin January 10, Shellpoint had already set up the draft to start on February 15, 2017, and disregarded the ACH form.On July 10, per the request of Mr [redacted] the ACH draft was cancelled because he would like to change the amount being draftedFurthermore, on July 10, Mr [redacted] scheduled the July 1, installment over the phone in the amount of $On July 11, 2017, a new ACH draft was mailed to Mr***.Shellpoint received no further phone calls or payments in July or August On August 17, 2017, a late fee of $was assessed to the loan appropriately.On September 1, 2017, a payment of $1,via check was received and posted to the account for the August 1, installment of $1,and $was applied to principal onlyWe believe this is the check payment you requested Shellpoint not process, as you placed a Stop payment on it and instead Sent a payment for two monthly installments which were received September 5, Please know, Shellpoints payment processing center processes thousands of check payments per day, by an automatic processIt is not possible to remove your check payment from that processAs Such, the check was posted to your loan, and was later returned on September 7, 2017, per your order to stop payment on it.On September 5, Shellpoint received two payments of $1,each which were posted to the October 1, installmentsHowever, once the reversal of the September 1, payment occurred, these two payments were re-posted to the August 1, and September 1, installmentsThe loan was assessed a $fee when the September 1, payment was reversed, which Shellpoint waived as a courtesy on September 13, Since the NSF fee had already been paid, the payment was reversed and the $was posted on September 13, 2017, to principal.Shellpoint received the new ACH request and entered it on September 5, for the first draft to occur September 15, and every 15" of the month thereafter in the amount of $1,Shellpoint mailed you a confirmation letter of the ACH plan on September 6, Accordingly, on September 15, Shellpoint drafted an installment for $1,100.00, of which $1,was posted to the October 1, 2017, installment and $was applied to principal only.Mr [redacted] did request the new ACH recurring draft program be delayed to October 15, 2017, in an online email dated August 31, However, due to an inadvertent error, that portion of his request was overlooked.On September 14, Shellpoint responded to Mr***s emails dated August 29, 2017, August 31, and September 13, Enclosed are copies of the original requests and responses provided by ShellpointThe responses provided via email on September 14, and October 18, 2017, included the contact information and name of the owner of the loanIn addition, Shellpoint mailed seven acknowledgment letters after receipt of each of Mr***s emailsEach acknowledgment contained the same loan owner informationWe would like to advise Mr [redacted] that although he is able to contact the owner of the loan to discuss the above transactions, they will direct him to contact Shellpoint with his concerns, as we are servicing the loan on their behalf.The second request to stop the September 15, draft was received September 19, 2017, after the ACH was draftedOn September 26, Shellpoint received the third letter requesting the September 15, draft be stoppedMr [redacted] also advised he was trying to call the compliance officer on September 15, and had not received an answerWe apologize to Mr [redacted] since he was unable to reach someoneIncluded in all our correspondence we provide a customer Service number of 1-800- [redacted] , we have no records of any issues preventing calls from coming inHowever, if Mr [redacted] can provide the dates and times of those calls, and from what number he was dialingWe can have our telecom team research the issues he has had in contacting Customer Service.On October 15, Shellpoint drafted $1,100.00, of which $1,was posted to the November 1, 2017, installment and $was applied to principal only.On October 18, 2017, the payment of $1,drafted on October 15, 2017, was rejected by Mr***'s banking institution for non-sufficient funds (NSF) and a $NSF fee was assessed.As a courtesy, the NSF fee of $assessed October 18, 2017, will be waivedShellpoint will also waive any bank fee arising from the automatic draft scheduled for October 15, Mr [redacted] will need to provide a copy of the bank statement showing the fee was assessed to him by his bank, to the following address, along with a written explanation of his request:Shellpoint Mortgage Servicing Attin: Disputes POBOX *** Greenville, SC Email: [redacted] .com Fax: 866- [redacted] As of the date of this correspondence, the loan is current with the next installment due November 1, Shellpoint is Scheduled to draft the November 1, installment by Mr***'s recurring ACH draft plan, on November 15, 2017.You have the right to request documentation Supporting our determination that no error occurredEnclosed for review is a copy of the payment history, and prior correspondence.Should you have further questions, you may contact me directly at 864- [redacted] Sincerely,Tammie D [redacted] Compliance Departmentcc: Revdex.com of Upstate South CarolinaAttn: Cindy R***

March 09, Revdex.com of Upstate South Carolina Attn: Cindy R*** North Church Street, Suite C Greenville, SC RE: Complaint ID: [redacted] Reference #: [redacted] Account #: xxxx*** Complainant: [redacted] Property: [redacted] Court [redacted] , VA Dear MsR***: This letter is in response to the Revdex.com complaint received on January 29, 2018, regarding the subject propertyNew Penn Financial, LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about September 16, Ms [redacted] stated in the complaint, I was told by Shellpoint to make a payment on March 1, I then obtained a letter of resolution to my CFPB complaint and the Revdex.com that no new trial payments would be requiredI then attempted to contact Shellpoint to clarify if I needed to pay on March 1, 2018, to no availI received a call from MsB [redacted] on March 2, answering my questions regarding the March paymentI was then informed that I did not have to pay on March 1, At the time of that conversation the funds were still pending in my bank accountAs of March 4, 2018, the funds were withdrawnMay Shellpoint please refund my money or apply those funds to the April paymentShellpoint regrets any confusion she has experienced throughout this processAs she mentioned, prior to Shellpoint’s previous response to the complaint forward to our office by way of your office she was advised by Shellpoint’s Loss Mitigation Department that a new trial period was requiredHowever, as previously conveyed Shellpoint consulted with the owner of the loan and was able to obtain approval to waive the trial period previously communicated to Ms [redacted] As such, the March payment was not required as the first modified loan payment would not be due until April 1, Our records indicate that Ms [redacted] contacted our office on March 1, 2018, to schedule a paymentAt this time, Shellpoint is preparing both the modification and assumption agreement for Ms [redacted] We are in receipt of Ms [redacted] ’s recent payment, and Shellpoint will ensure those funds are applied toward the first payment that will be due under the loan modification offerAfter the loan modification process is fully complete, Ms [redacted] ’s first payment will be due on May 1, 2018; however, Ms [redacted] should know that the loan modification documentation will still indicate that the modified loan terms will be effective with the April 1, installmentWe hope this information is satisfactory to Ms [redacted] If Ms [redacted] has further questions on the matter, we respectfully request that she contacts Brenda V [redacted] via telephone at (866) [redacted] , extension ***She may also contact Shellpoint’s Loss Mitigation Department via telephone at (866) [redacted] Should you have further questions, you may contact Shellpoint’s Escalation Department at (888) [redacted] Monday through Friday between the hours of 8:a.mto 5:p.m(EST)You may also reach us via email at [redacted] @shellpointmtg.comSincerely, Wendell H***, JrCompliance Department Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy

Dear Ms [redacted] : This letter is in response to a rebuttal from received January 12, 2015, regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the above referenced loan on or about March 1, Per the complaint, the borrower(s) advised on November 16, she faxed a copies of the requested documents in order to have the lien on the above referenced property releasedMs [redacted] was advised by Shellpoint on November 19, that the information provided could not be accepted from Ms [redacted] but it had to come from an abstractorOn December 21, she was told the lien release was sent to the [redacted] County Recorder’s Office on December 12, Ms [redacted] has advised she made contact with Shellpoint since December 21, to follow up on the status of the lien release, but has not received any new informationMs [redacted] would like her lien released and Shellpoint held accountable for not completing this in a timely mannerUpon investigation, Shellpoint has located the subject mortgageThe mortgage origination date was loaded into our system with an erroneous date and an original balance of $6,As such, the mortgage provided to Shellpoint by Ms [redacted] did not match Ms [redacted] ’s documentation, except for the fact that it originated with [redacted] This made it difficult to match the information to prepare a lien releaseIn an attempt to find the correct mortgage for release, Shellpoint hired a third party vendor to send an abstractor to the county to search for the correct mortgage, but no results were foundPlease be advised, if the lien release was prepared incorrectly and sent to the county for recording with incorrect information it would have been rejected by the countyAs of the date of this letter, Shellpoint has identified the error, made the corrections and will prepare the lien release and send to the county for recording [redacted] Please accept our sincere apologies for any inconvenience and delay experienced regarding this issueIf you have any further questions, comments, or concerns, please contact Customer Service at [redacted] Sincerely, [redacted] *** Shellpoint Mortgage Servicing

February 07, [redacted] [redacted] ***ce NE [redacted] , DC RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] *** Street NE [redacted] , DC Dear [redacted] : This letter is in response to the Revdex.com of the Upstate complaint received on February 5, 2018, regarding the subject propertyThe Bank of [redacted] *** The Bank of [redacted] ***, As Trustee for the Certificateholders of ***, Inc., Alternative Loan Trust 2007-***, [redacted] , Series 2007- [redacted] is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about March 1, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsPer your rebuttal, you state you cannot have your taxes prepared with an incorrect IRS Form (“1098”) that was sent to youYou allege Shellpoint has not reported correct information to the Consumer Reporting Agencies (CRA’s)You state your foreclosure judgment was evacuated in May and you want us to correct any derogatory remarks made to the CRA’s since that dateFurthermore, you state Shellpoint has increased your mortgage balance reported to the CRA’s, and you want to know what the increase in fees and hidden costs areAs we advised you both verbally and in the enclosed previous response dated February 1, 2018, the corrected form was mailed this weekAttached is a copy for your recordsRegarding your credit reporting, please be advised, your foreclosure judgment was evacuated in May and the foreclosure comment was removed from the credit reportHowever, the loan modification was not approved and offered until October The loan has been reported as current with the special comment “Loan Modified” since October Shellpoint verified this information and provided you the Account Data Views in our previous responseAdditionally, the current balance on the loan reflects more than just the principal balanceAs required by the CRA’s, the current balance contains the principal balance, as well as interest, insurance payments and escrow that are due during the reporting periodThis balance may exceed the highest credit, original loan amount or credit limit, and may increase or decline from month to monthThere are no fees or hidden costs assessed to the loanIf you feel there is an error in your credit reporting, please provide specific details and supporting documentation (credit report) from the CRA that is reflecting inaccurate informationUpon receipt, Shellpoint will gladly investigate furtherAs stated above, the corrected copy of the is enclosedWe would like to apologize for any inconvenience caused by that issueShould you have further questions, you may me directly at [redacted] [redacted] Sincerely, Lisa F* Compliance Department Enclosures cc: Revdex.com of the Upstate North Church Street Greenville, SC

February 22, Revdex.com of Upstate South Carolina Attn: Cindy R*** North Church Street, Suite C Greenville, SC RE: Complaint #: [redacted] Complainant: [redacted] Reference #: [redacted] Account #: xxxx*** Mortgagor: [redacted] Property: [redacted] Court [redacted] , VA Dear MsR*** This letter is in response to the Revdex.com complaint received on January 29, 2018, regarding the subject propertyNew Penn Financial, LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about September 16, Ms [redacted] stated in the complaint, the loan transferred from [redacted] Mortgage to Shellpoint in Prior to this transfer [redacted] was in the process of modifying the loan in my name only per a Divorce DecreeI was told by Shellpoint it will honor the agreement and all paperwork was submittedShellpoint then informed me that I do not qualify for HAMP and that I must start a trial payment and then my name can be placed on the loanI was waiting for the documentsWith [redacted] the payment was $and was told to pay Shellpoint during the transitionShellpoint has yet to abide by the agreement extended by [redacted] and Shellpoint has not been honestShellpoint has requested a new trial payment for a payment of $1,Nobody has returned my calls for clarityI want Shellpoint to adhere to the [redacted] agreement and for the loan to be in my name onlyShellpoint apologizes for the delay in responding to the complaint, but know that we have taken this matter very seriouslyShellpoint recently responded to a similar complaint that was previously forwarded to our office via the Consumer Financial Protection BureauWe have enclosed a copy of our response that complaint, as we believe it also addresses the concerns raised in the complaint received by your officeWe trust this information is satisfactory to Ms [redacted] Should she have any questions regarding the matter, we respectfully request that she contacts the loan’s assigned loss mitigation specialist, Brenda V [redacted] , via telephone at (866) [redacted] , extension *** for further assistanceShe may also contact Shellpoint’s Loss Mitigation Department via telephone at (866) [redacted] for further assistanceShould you have further questions, you may contact Shellpoint’s Escalation Department at (888) [redacted] Monday through Friday between the hours of 8:a.mto 5:p.m(EST)You may also reach us via email at [redacted] @shellpointmtg.comSincerely, Wendell H***, JrCompliance Department Enclosure: Letter Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy

January 30, [redacted] [redacted] Ct ***, NV RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] *** Ct ***, NV Dear [redacted] : This letter is in response to the RevDex.com of Upstate South Carolina complaint received on January 26, 2018, regarding the subject property [redacted] National Association, as Trustee for [redacted] ** Mortgage Loan Trust I, as successor in interest to [redacted] Mortgage Loan [redacted] *** I is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about March 1, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsPer the complaint, you are disputing the late fees charged to the loan, and that you have sent a letter directly to Shellpoint, but have not received a responseFurthermore, you allege Shellpoint is taking part of your monthly payment and posting it to the fees on the loan, which causes your payment to be posted short and causes more penalties to be assessed to the loanLastly, you state you are contesting other fees assessed to the loan because, according to you, Shellpoint cannot charge you fees for property inspectionsPlease be advised, upon receipt of the complaint, Shellpoint’s Compliance department attempted to contact you on January 30, 2018, to discuss the complaint and resolution, but we were unable to reach youWe are here during the hours listed aboveYou may also request a specific date and time you would prefer we contact youUpon review of the complaint, Shellpoint determined we had already received a similar complaint directly from you on January 9, 2018, which we responded to on January 24, We have enclosed a copy of the response, as we feel it addresses the same concerns expressed in the above-referenced caseAdditionally, while Shellpoint strives to respond to requests within a few days, by law we are allowed up to thirty (30) days in which to respond to a complaint or inquiryAccording to Shellpoint’s records, your monthly payment amount is $1,Shellpoint has not posted any funds received as a “short” monthly paymentHowever, any funds received over the monthly payment amount are posted to the fees on the loan, in accordance with the enclosed Deed of TrustAdditionally, by said Deed of Trust, Shellpoint is enabled to perform property inspections on the above-referenced property in order to protect the lender’s interest when the loan is delinquentYou are responsible for the payment of these inspectionsAs of the date of this letter, the loan is current with the next installment due February 1, Shellpoint has determined there have been no errors in the servicing of the loanYou have the right to request documentation supporting this determinationIn addition to the documents referenced above, we have enclosed a copy of the Loan History Summary for your records [redacted] Should you have further questions, you may contact me directly at 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosures cc: Revdex.com of the Upstate North Church Street Greenville, SC Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

October 26, 2017Revdex.com of Upstate South Carolina Attention: Cindy R [redacted] North Church Street, Suite C Greenville, SC 29601RE: Complaint ID # [redacted] Reference #: [redacted] Account #: XXXX [redacted] Borrower: [redacted] Property: [redacted] ***, 4A***, NY 10462Dear Ms R***:This letter is in response to the Revdex.com complaint received on October 17, 2017, regarding the subject property*** Investors, L.Pis currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (Shellpoint) began servicing the loan on the behalf of the owner referenced above on or about August 15, [redacted] * [redacted] stated in the complaint: My mortgage was sold to Shellpoint from [redacted] ***, from [redacted] I paid my mortgage every month on Schedule, however, my home was foreclosed and SoldWhen I called Shellpoint, and told them that I have receipts to prove I have been paying my mortgage, I was told to prove that they deposited my money OrdersMind you, I never received a money Order I sent back, so they received my moneyThey sold my home on the same day they sent me another envelope for a mortgage paymentShellpoint are thieves and will Steal your home.Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant Staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concerns.Although we understand that the news of the foreclosure sale may be disappointing to [redacted] ***Shellpoint believes that it made reasonable efforts to assist Mr [redacted] with the loans delinquent balance; however, our efforts were not successful.While Shellpoint offers a variety of loss mitigation options to help mortgagors retain home ownership and avoid a foreclosure, approval is not guaranteedThe enclosed Solicitation letters were Sent in an effort to begin the loss mitigation process and assess Mr***'s eligibility for loss mitigation optionsIn addition, several phone calls were also made to no avail.During a telephone conversation that occurred on September 21, 2016, between [redacted] * [redacted] and a representative from Shellpoint, Shellpoints representative inquired about Mr***'s financial ability and intentions with the property; however, he refused to provide his financial information to the representativeMr [redacted] stated that he did not intend to sell the property as it was his primary residence, and that he would be paying the mortgage in full in October or November of 2016; however, the loans delinquent balance at that time was not paid during the Specified times nor was the loan paid off.Shellpoint continued efforts to reach Mr [redacted] regarding the loans delinquent balance and sent the enclosed letters stating that several attempts were made to reach him by phone, and we requested him to verify his contact information but never received communication from Mr***.Note that the file was referred to an attorney in November of 2014, to commence foreclosure proceedings due to the loans delinquent balanceThe enclosed letter, dated August 24, 2016, was sent which stated that the loan was in default and foreclosure proceedings have or may soon commenceDue to there not being any communication between Shellpoint and Mr***, and no active workout solutions in process, we proceeded with the foreclosure processThe property sold to a third party on September 18, via a foreclosure sale.With regard to the payments that Mr [redacted] stated were made to Shellpoint, note that the Section #of the enclosed Mortgage States that the lender may return or accept any payment or partial payment if it is for an amount that is less than the amount that is then dueFurthermore, the lender is not obligated to apply such lesser payments when it accepts such paymentsThe lender may hold such unapplied funds until payments are made to bring the loan current.Please be advised that Shellpoint received funds from Mr [redacted] after the completion of the foreclosure sale that occurred on September 18, As a result, Shellpoint returned money order # [redacted] for $on October 03, 2017, and check # [redacted] for $23,on October 16, 2017.Shellpoint maintains that it Serviced the loan according to the applicable State and federal law, including the processing of the foreclosureWe also maintain that no errors occurred while We Serviced the loan and the foreclosure Sale will remain.Should you have further questions, you may contact Shellpoints Escalation Department at (888) [redacted] Monday through Friday between the hours of 8:a.mto 5:p.m(EST)You may also reach us Via email at escalations('shellpointmtg.com.Sincerely,Escalation Department Shellpoint Mortgage ServicingEnclosures: Solicitation Letters, No-Contact NoticesNotice of Referral to Foreclosure, and Mortgage

RE: Complaint ID: [redacted] *** Reference Number: [redacted] Dear [redacted] : This letter is in response to the complaint submitted August 16, 2016, regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the above referenced loan on or about January 1, On May 13, 2016, servicing of the loan was transferred to [redacted] Trust Company, [redacted] (“ [redacted] ”)Please note, Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon customer concernsUpon review of the complaint, Shellpoint contacted Mr [redacted] August 23, and informed him of the outcome of the complaintPer the complaint, Mr [redacted] states Shellpoint was delinquent in paying the taxes on his property while we were servicing the loanAlthough the taxes have since been paid, he wants Shellpoint to pay the penalty feesBy way of background, payment was issued to the [redacted] County Tax Collector for Mr***’s property taxes in a timely manner on March 29, Due to an error in the information referenced on the check, the payment was returned to our tax vendor by the [redacted] County Tax Collector’s OfficeIt was not until Shellpoint received Mr***’s complaint we knew anything was amissSince Shellpoint no longer services Mr***’s loan, we are unable to pay the property taxes and penaltiesAs the last servicer of record, [redacted] will need to pay the penalties, and Shellpoint will reimburse [redacted] We would like to apologize for any inconvenience regarding this issueIf you have any further questions, comments, or concerns, please contact me at [redacted] [redacted] Sincerely, [redacted] *** Shellpoint Mortgage Servicing [redacted] @shellpointmtg.com Regulatory Fax: ( [redacted]

I accept this correction with reservations. I will not pursue the interest adjustment I feel is due for the May and June payments. Again, I performed according to the instructions sent to me by the previous lender and Shellpoint. It was not my lack of compliance but their operation procedure. The loan should have been set up before the first payment was due. The documentation was received and destroyed by the company.I can only assume future adjustment will be correctly made and I will receive adequate notice prior to the change, in accordance with the note. Regards, [redacted]

March 07, [redacted] [redacted] Ave S [redacted] , MN [redacted] Reference #s: [redacted] Account #: xxxx*** Property: [redacted] *** Ave S [redacted] , MN Dear [redacted] : This letter is in response to the Revdex.com complaint received on March 2, 2018, regarding the subject property [redacted] Association, as Trustee of [redacted] Mortgage Loan Trust II is currently the owner of the account number ending in *** Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about May 01, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsUpon review of the complaint, Shellpoint determined we had already received a similar, if not the same, complaint directly from you, which we responded to todayWe have enclosed a copy of our response, as we feel it addresses the same concerns expressed in the above-referenced casePlease be advised, upon approval from the investor of the escrow account removal, Shellpoint’s Compliance Department attempted to contact you to discuss the complaint and resolution; however, we were unable to reach youWe are here during the hours listed aboveYou may also request a specific date and time you would prefer we contact youShould you have further questions, you may contact me directly at 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosure cc: Revdex.com of the Upstate North Church Street Greenville, SC Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collector [redacted] If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyThis collection agency is licensed by the Minnesota Department of CommerceAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

As we stated in our previous response, Ms [redacted] was advised of the required documentation needed on October 12, Additionally, the designated point of contact, Dennis C [redacted] attempted to reach Ms [redacted] on November 22, 2017; however, he was unable to contact herUntil Shellpoint receives proof of name change documents, we are unable to move forward with loss mitigation reviewMs [redacted] may submit the required documentation by fax at 866- [redacted] ; via email at [redacted] shellpointmtg.com; or by mail at Shellpoint Mortgage Servicing, PO Box ***, Greenville, SC Once the documentation is received, Shellpoint will move forward with the loss mitigation review process and contact Ms [redacted] if additional documentation is needed to accurately calculate her household incomeMs [redacted] may contact her point of contact, Dennis C [redacted] , at 866- [redacted] ext*** if she has any further questions

June 1, 2018 [redacted] [redacted] Avenue [redacted] , CO 80203 [redacted] [redacted] .com RE: Homeowners/Clients: [redacted] *** Subject Property: [redacted] , CO 81504 Reference Number: [redacted] Dear Mr.... [redacted] : This letter is in response to your recent inquiry received from the above-referenced homeowners/clients regarding the above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about June 16, 2017. Shellpoint is aware this loan is included in an active Chapter 13 Bankruptcy and is servicing the loan accordingly. This communication is not an attempt to collect the debt, but is simply for the purpose of responding to the complaint. Per the correspondence, Mrs. [redacted] stated she was told by the Shellpoint Bankruptcy Department on Monday, May 14, 2018 that she could make her default payment on Friday, May 18, 2018 and it would not affect her bankruptcy agreement. She stated the account was noted as such by the agent she spoke with, but when she called back to make the payment on May 18, 2018 as promised, there was no one there to take the call. When Mrs. [redacted] called back on May 21, 2018 she was told she were released from the bankruptcy agreement and the property was in foreclosure. She has not been able to reach anyone in the Bankruptcy Department to discuss this matter with. Upon receipt of the complaint, it was discovered that the Motion for Relief, which was filed on May 17, 2018 was filed in error. We are currently working to reinstate the Chapter 13 Bankruptcy, and the loan has been updated to reflect an active bankruptcy status. According to our records, Mrs. [redacted] spoke with a member of the Bankruptcy Department on June 1, 2018 and was provided this information. Additionally, she agreed to submit the default payment on Friday, June 8, 2018. Please accept our sincere apologies for any inconvenience regarding this matter. Please know that Shellpoint takes its customer service obligations very seriously and your concerns have been brought to the attention of the appropriate people within our organization. If you have any additional questions or concerns, please contact our Customer Service department at 800- [redacted] . Sincerely, Compliance Department Shellpoint Mortgage Servicing This communication is sent to you by Shellpoint Mortgage Servicing, a professional debt collector. Please read the following important notices as they may affect your rights. This is an attempt to collect a debt and any information obtained will be used for that purpose. This communication is from a debt collector. If you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loan. This notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section 362 of the United States Bankruptcy Code. However, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcy. Attention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other service. Counseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COLORADOATTORNEYGENERAL.GOV/CA. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Colorado office: [redacted] Street, Suite [redacted] CO 80210. Telephone (720) [redacted] ***

Complaint was they drafted my account twice without my authorization for two times, first, refused to refund my moneySecond, refused to let me speak to a Supervisor and one name Jorje came and said he was and was notThey had me to fax proof that our bank paid them and refused to reverse immediatelyI needed my moneyCaused other accounts to overdraft and feesCause five more additional items to be in overdraft status along with others I have coming in my accountThey also told me if returned it would be to days and other accounts had to wait for their moneyNot acceptableCan not pay bills like this

October 20, [redacted] [redacted] [redacted] Ave [redacted] , NY RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] Avenue [redacted] , NY Dear Mr [redacted] and Ms[redacted] : This letter is in response to the Revdex.com of Upstate South Carolina complaint received on October 10, 2017, regarding the subject property [redacted] Financial LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in *** [redacted] Servicing (“ [redacted] ***”) began servicing the loan on the behalf of the owner referenced above on or about June 05, Please know that [redacted] takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsPer the complaint, you stated you were advised there was an escrow shortage in the amount of $2,on the loan, and if you paid the shortage, your monthly payments would be $2,You stated you paid the shortage, but an escrow analysis was performed after we received the funds, and it increased your monthly payment amount to $3,It was explained to you that the increase was the result of an increase in taxesYou stated you want to pay $2,monthly, which was promised to you once the shortage was paid, and you will deal with any additional shortages when your yearly analysis is run next yearUpon review of the complaint, [redacted] ***’s Compliance Department attempted to contact you on October 20, 2017, to discuss the complaint and resolution; however, we were unable to reach youWe are here to take calls during the hours listed aboveYou may also request a specific date and time you would prefer we call youAccording to [redacted] ***’s records, you were advised in your escrow analysis dated August 17, (enclosed), that if you paid the escrow shortage in full ($2,687.34), that your monthly payment would be $2,The funds to apply to the shortage were received on September 18, Once the funds were received and applied to the escrow account, we erroneously ran another escrow analysis, which included a school tax payment in the amount of $4,204.01, which was disbursed on September 11, As a result, the new analysis, dated September 20, 2017, increased your monthly payment amount to $3,effective October 1, In an effort to correct the error from the September 11, analysis, a request was made to have another analysis [redacted] performed to correct the payment amount to $2,Therefore, another analysis was performed on October 2, 2017, which increased the monthly payment to $3,effective December 1, 2017, because the shortage from September was still includedUpon receipt of your complaint, the issue was investigated and it was found that due to a system error, the payment amount was not automatically corrected as it should have been once the funds for the shortage were receivedAdditionally, new analyses requests were made when they should not have been which resulted in monthly payment increasesAs of the date of this letter, the loan has been updated to reflect the monthly payment amount of $2,670.42, effective November 1, A copy of the Loan History Summary in enclosed for your recordsWe apologize for any inconvenience you experienced as a result of paying your escrow shortage [redacted] takes its customer service obligations very seriously, and this issue has been brought to the attention of the appropriate parties within the organizationShould you have further questions, you may contact me directly 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosure

February 1, [redacted] [redacted] Place NE [redacted] , DC RE: Escalation Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] *** Street NE [redacted] , DC Dear [redacted] : This letter is in response to the Revdex.com of the Upstate complaint received on January 29, 2018, regarding the subject propertyThe Bank of [redacted] *** The Bank of [redacted] ***, As Trustee for the Certificateholders of ***, Inc., Alternative Loan Trust 2007- [redacted] Certificates, Series 2007- [redacted] is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about March 1, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsUpon review of the correspondence, Shellpoint determined we have already received a similar complaint directly from you, which we just responded to on February 1, We have enclosed a copy of the response, as we feel it addresses the same concerns expressed in the above-referenced caseShould you have further questions, you may contact me at 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosures cc: Revdex.com of Upstate South Carolina North Church Street Greenville, SC Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agenciesHours of Operation [redacted] Place, Suite *** Toll Free Phone 1-800- [redacted] Monday-Friday 8:00AM Greenville, SC Toll Free Fax 1-866- [redacted] 10:00PM Saturday 8:00AM-3:00PM February 1, [redacted] [redacted] Place NE [redacted] , DC RE: Subject Property: [redacted] NE, [redacted] , DC Reference Number: [redacted] Dear [redacted] : This letter is in response to your recent inquiry regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about November 16, Per the correspondence, you state you were advised by Shellpoint’s Customer Service Agent that your mortgage interest is - $33,613.92, and you want to know whyYou state you were previously approved for a loan modification, and have made fifteen (15) on-time payments thus far, and you want to know why your mortgage is still showing past due and in arrearsAdditionally, you state you pulled your credit report, and the last mortgage payment was reported in October You want your credit report updated with correctionsPlease be advised, Shellpoint is aware of the issue with some loans reporting negative interest on the IRS Form (“1098”) that was recently mailed to homeownersWe are working to correct this issue and anticipate the revised 1098’s will go out under separate cover within the next weekAccording to our records, the above-referenced loan was modified in April As such, we have been reporting the loan as current, to all of the agencies referenced below, with the special comment “Loan Modified” since that timeShellpoint has verified that each of the bureaus has been reporting the loan as “current” since October The enclosed Account Data Views show the last date paid for this loan is the January installmentThe January installment was received by Shellpoint on December 5, This information was submitted to the CRA’s with our monthly reporting file for December 2017, during the month of January If you feel there is an error in your reporting, Shellpoint respectfully requests that you submit a copy of the report to us and describe what you believe is incorrectAlternatively, you may also contact the respective agency at the numbers listed below: TransUnion Equifax Experian Innovis www.transunion.com www.equifax.com www.experian.com www.innovis.com TransUnion Consumer Equifax Credit Experian Information Innovis Consumer Solutions Information Services, IncSolutions, IncAssistance P.OBox P.OBox P.OBox P.OBox Chester, PA Atlanta, GA Allen, TX Pittsburgh, PA (800) 916-(800) 685-(888) 397-(800) 540-As of the date of this letter, the loan is current with the next installment due March 1, Please accept our sincere apologies for any inconvenience regarding the incorrect information on your 1098, and for any confusion surrounding the credit reporting status of the loanPlease know that Shellpoint takes its customer service obligations very seriously and your concerns have been brought to the attention of the appropriate people within our organizationIf you have any additional questions or concerns, please contact our Customer Service department at 800- [redacted] Sincerely, Compliance Department Shellpoint Mortgage Servicing Enclosures This communication is sent to you by Shellpoint Mortgage Servicing, a professional debt collectorPlease read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

I do not know how to respond to someone who does not take 2 seconds to see an obvious error: ""Regarding the “interesting entries” on the Rate History Report, please clearly identify each line item and what you think should be different or changed, as we are unable to identify exactly what you are... asking for"" The example I copied and pasted in my last response shows my daily interest at 4.34% in June, and BUMPED to 4.6% for 12 days in July then returned to the original interest at 4.34% thereafter. An extra 1/4 point charged to my account for no apparent reason.... with no visible adjustment to correct the error. How many other loans are they "tweaking" the daily interest and calling it good. As I stated in my response, Shellpoint is responsible via ACH to collect my payment timely on the 1st of each month. Any delays on their part is a cost to me additional interest, no matter how minor. IT ADDS UP. According to their recent response: "Upon receipt of the loan, it underwent a thorough audit. When the audit was completed, a change date of September 2018 was entered. After reviewing your rebuttal, a request was made to recalculate the loan for the payment due on January 1, 2018. It will also be recalculated in September 2018, and every September thereafter. You will receive a notice under separate cover advising you of the payment amount and index used" How many loans "serviced" by Shellpoint have been subjected to "a thorough audit" and not revisited. With the recalculation of my loan payment - 4 months of payments with less principal reduction and more interest to Shellpoint. How many other loans???? My concern is that this company, whose primary function is collections, is manipulating accounts to benefit their interest. Sincerely [redacted]

RE: Complaint ID: [redacted] , [redacted] *** Borrower: [redacted] Property Address: [redacted] Avenue, [redacted] , WI 53218 Reference Number: [redacted] Dear [redacted] : This letter is in response to the complaint submitted December 1, 2016, regarding the... above referenced loan. Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about January 1, 2016. Please note, Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon customer concerns. Per the complaint, Ms. [redacted] states she signed a Cash for Keys agreement with Shellpoint and has yet to receive her check. The Shellpoint representative, Arthur M***, told her she would be responsible for the removal of someone else’s property and would also be held accountable for any garbage or recycling left for normal pickup. When she called the attorney representing Shellpoint, she was informed Mr. M [redacted] should have given her the money when she turned over the keys. She further states the attorney has contacted Shellpoint twice with no response. According to Shellpoint records, when the Cash for Keys inspection was performed, there were still personal items remaining in the basement and on the exterior of the property; therefore, the check was not released to Ms. ***. However, after reviewing the file and speaking with Ms. ***, it was determined the check would be released to her today. Mr. M [redacted] should be contacting Ms. [redacted] shortly if he has not already done so. Additionally, Shellpoint has not received any communication from the attorney as Ms. *** has stated. We would like to apologize for any inconvenience regarding this issue. If you have any further questions, comments, or concerns, please contact me at [redacted] . [redacted] Sincerely, L. F* Shellpoint Mortgage Servicing [redacted] .com Regulatory Fax: (866) [redacted]

March 19, [redacted] [redacted] Bend [redacted] , TX RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] *** Bend [redacted] , TX Dear [redacted] : This letter is in response to the Revdex.com response rebuttal on March 12, 2018, regarding the subject propertyNew Penn Financial LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about September 30, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsPer the rebuttal, you stated you could not discuss the documents we provided in our previous response because you are not a lawyer and you want us to listen to the customer service calls as to how the terms of the forbearance were explained to youUpon review of the correspondence, Shellpoint’s Compliance Department attempted to contact you on March 19, 2018, to discuss the complaint and resolution; however, we were not able to reach youWe are here to take calls during the hours listed aboveYou may also request a specific date and time you would prefer we contact youBased upon the rebuttal, we are unable to discern what outcome you would like to achieve by rebutting our previous responseWe regret you feel the forbearance terms were not clearly explained to you; however, the response dated January 26, states “Once the forbearance period is completed, the loan will be due for all payments missed; in this case from December through March At the end of the forbearance period you will need to either reinstate the loan or contact Loss Mitigation to make additional arrangements.” According to our records, the loan was brought current on March 15, The next payment is due April 1, Upon investigation of your dispute, Shellpoint has been unable to determine an error occurredYou have the right to request documentation supporting our determinationEnclosed is a copy of the Loan History Summary for your recordsShould you have further questions, you may contact me directly at 864- [redacted] Sincerely, Lisa F* Compliance Department cc: Revdex.com of the Upstate North Church Street [redacted] Greenville, SC Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyAttention Texas Residents: PURSUANT TO THE REQUIREMENTS OF SECTION OF THE TEXAS MORTGAGE BANKER ACT, CHAPTER 157, TEXAS FINANCE CODE, YOU ARE HEREBY NOTIFIED OF THE FOLLOWING: COMPLAINTS REGARDING A LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD BE SENT TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, NORTH LAMAR, SUITE 201, AUSTIN, TEXAS A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORSA WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIMFOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEB SITE AT WWW.SML.TEXAS.GOVAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

RE: Revdex.com Case #: [redacted] Reference #: [redacted] Borrower: [redacted] Property: [redacted] *** Dr [redacted] ***, FL Dear Ms [redacted] : This letter is in response to the Revdex.com of the Upstate complaint received on June 19, 2017, regarding the subject property [redacted] Financial LLC d/b/a Shellpoint Mortgage Servicing is currently the owner of the above referenced loan [redacted] Servicing (“ [redacted] ***”) began servicing the loan on the behalf of the owner referenced above on or about August 31, Please know that [redacted] takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsPer the complaint, the borrower states a loss draft check was erroneously applied as a monthly payment in August She states she did not find out about this error until May 2017, when she began receiving calls regarding a delinquent paymentMs [redacted] wants her account corrected, late fees waived and the credit reporting to show no delinquenciesUpon receipt of the complaint, [redacted] ***’s Compliance Department attempted to contact Ms [redacted] , to discuss the dispute and resolution, but we were unable to reach herWe are here to take calls during the hours listed aboveShe may also request a specific date and time she would prefer we call herAfter reviewing the correspondence, [redacted] determined we had already received a similar, if not the same, complaint directly from Ms [redacted] , to which we responded on June 15, Enclosed is a copy of the responsePlease accept our sincere apologies for any inconvenience regarding the misapplication of paymentsThe fees have been waived and a request has been made to correct the credit reportingPlease know that [redacted] takes its customer service obligations very seriously and your concerns have been brought to the attention of the appropriate people within our organizationShould you have further questions, you may me directly at 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosure

January 25, [redacted] [redacted] [redacted] St [redacted] , MA RE: Revdex.com Case #: [redacted] Reference #: [redacted] Account #: xxxx*** Property: [redacted] St [redacted] , MA Dear [redacted] * and [redacted] : This letter is in response to the Revdex.com of the Upstate complaint received on January 23, 2018, regarding the subject property [redacted] Savings Fund Society, FSB, doing business as [redacted] Trust, not in its individual capacity, but solely as trustee for [redacted] is currently the owner of the account number ending in ***Shellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about June 01, Please know that Shellpoint takes its customer service and consumer protection obligations very seriously and has significant staff dedicated to its compliance related functions in order to identify, resolve, and permanently correct operational deficiencies and improve upon consumer concernsUpon review of your correspondence, Shellpoint determined we had already received a similar complaint directly from you, which we just responded to on January 25, We have enclosed a copy of our response, as we feel it addresses the same concerns expressed in the above-referenced caseShould you have further questions, you may contact me directly at 864- [redacted] Sincerely, Lisa F* Compliance Department Enclosures cc: Revdex.com of Upstate South Carolina NChurch Street Greenville, SC Please read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyYou have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employmentAny such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such requestYou may terminate this request by writing to the collection agencyLocal address is [redacted] Street, [redacted] , Mass Office hours are Mon-Thurs a.mto p.mAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agenciesHours of Operation Beattie Place, Suite *** Toll Free Phone 1- [redacted] Monday-Friday 8:00AM Greenville, SC Toll Free Fax 1-866- [redacted] 10:00PM Saturday 8:00AM-3:00PM January 25, [redacted] [redacted] [redacted] St [redacted] , MA RE: Subject Property: [redacted] , MA Reference Number: [redacted] Dear [redacted] * and [redacted] : This letter is in response to your recent inquiry regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on or about June 01, Shellpoint is aware this loan was previously included in a Chapter BankruptcyOur records indicate your personal liability, as well as the mortgage lien, were retained when the bankruptcy dischargedAs such, Shellpoint will continue to service the loan according to the original agreementPer the correspondence, you requested a copy of your monthly statement, and inquire as to why the activity shows a past due payment of $1,and other feesYou stated you have no knowledge of past due fees, and want Shellpoint to remove them, or explain what they are forThe total amount due on the enclosed Mortgage Statement dated December 31, 2017, is $1,Of that, $1,is for the January 13, monthly payment, and the remaining $is for other fees assessed to the loan by the previous servicerAccording to Shellpoint’s records, fees in the amount of $were assessed by the previous servicersPlease review the following breakdown: • On November 10, 2014, Prior Servicer fees in the amount of were assessed to the loanThese fees were assessed two (2) servicers before us, by [redacted] , N.AThey were assessed due to the costs associated with the delinquency of the loan, which was past due for the September 13, monthly paymentThe fees were transferred to the last servicer, [redacted] , coded as “prior servicer costs”• On December 5, 2014, Property Inspection fees in the amount of $were assessed to the loanAt the time, the loan was past due for the September 13, monthly paymentDue to the delinquency, property inspections were required as part of your mortgage contract• On January 9, 2015, Property Inspection fees in the amount of $were assessed to the loanAt the time, the loan was past due for the October 13, monthly paymentDue to the delinquency, property inspections were required as part of your mortgage contract• On January 30, 2015, Property Inspection fees in the amount of $were assessed to the loanAt the time, the loan was past due for the November 13, monthly paymentDue to the delinquency, property inspections were required as part of your mortgage contract• On March 13, 2015, Legal fees in the amount of $were assessed to the loan for Attorney costs that were incurred for the Response to Notice of Final Cure, as a result of the bankruptcy filingThese fees are allowable per the bankruptcyEnclosed are the last three statements from your previous servicer, [redacted] Loan Management Services (“ [redacted] ”), which list fees in the amount of $under Recoverable Advances on the loan in the Account Information SectionIf you have documentation showing these fees have previously been paid, please submit it to Shellpoint at: Shellpoint Mortgage Servicing PO Box *** Greenville, SC Email: [redacted] @shellpointmtg.com Fax: 866- [redacted] The January 13, payment was received on January 11, The loan is currently due for the February 13, monthly paymentShellpoint has determined there have been no errors in the servicing of the loanYou have the right to request documentation supporting this determinationEnclosed is a copy of the Loan History Summary for your records, reflecting all of the afore-mentioned transactionsIf you have any additional questions or concerns, please contact our Customer Service department at 800- [redacted] Sincerely, Compliance Department Shellpoint Mortgage Servicing Enclosures This communication is sent to you by Shellpoint Mortgage Servicing, a professional debt collectorPlease read the following important notices as they may affect your rightsThis is an attempt to collect a debt and any information obtained will be used for that purposeThis communication is from a debt collectorIf you are a customer in bankruptcy or a customer who has received a bankruptcy discharge of this debt: please be advised that this notice is to advise you of the status of your mortgage loanThis notice constitutes neither a demand for payment nor a notice of personal liability to any recipient hereof, who might have received a discharge of such debt in accordance with applicable bankruptcy laws or who might be subject to the automatic stay of Section of the United States Bankruptcy CodeHowever, it may be a notice of possible enforcement of the lien against the collateral property, which has not been discharged in your bankruptcyAttention Servicemembers and Dependents: The federal Servicemembers Civil Relief Act and certain state laws provide important protections for you, including interest rate protections and prohibiting foreclosure under most circumstances during and twelve months after the servicemember’s military or other serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agenciesYou have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employmentAny such oral request will be valid for only ten (10) days unless you provide written confirmation of the request postmarked or delivered within seven (7) days of such requestYou may terminate this request by writing to the collection agencyLocal address is [redacted] Street, [redacted] , Mass Office hours are Mon-Thurs a.mto p.m

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