Coastal Realty and Marketing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
If previous homeowners policy premium was $and it got replaced with the new policy with annual premium of $244, I do not understand why my mortgage cannot be reanalyzed to reduce my monthly payment amount!!! Since my hazard insurance premium went down significantly, please reanalyze my mortgage effective immediately and send me the overage fundsPlease have your management look into this loan as I'm not able to resolve a simple issue since 08/28/2017! This is unacceptable!
Regards,
*** ***

February 27, 2018 Revdex.com of Upstate South Carolina Attn: Cindy R*** North Church Street, Suite C Greenville, SC 29601 RE: Complaint ID: *** Complainant: *** *** Reference #: *** Account #: xxxx*** Property: ***
*** Place ***, MD 20705 Dear MsR***: This letter is in response to the Revdex.com complaint received on February 20, 2018, regarding the subject propertyTHE BANK OF *** *** *** *** THE BANK OF *** ***, AS TRUSTEE FOR THE CERTIFICATEHOLDERS OF ***, INC., *** *** TRUST 2007-***, *** ***-THROUGH CERTIFICATES, SERIES *** 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 December 01, 2016. Ms*** stated in the complaint, I have been trying to get a loan modification with Shellpoint for over a yearThey will not work with youI am now being forced into bankruptcyI have lived at my house for nineteen yearsI did not ask to have this lenderI have never had such problems with any other lenderShellpoint wants my house, and they have asked for the same documents over and overWhen you call them different people always tell you different things about your loanThey haven’t helped me and I would like to sue themI want no further contact by the business. Shellpoint regrets any inconvenience Ms*** has experienced while communicating with our officeHowever, Shellpoint maintains that it has made efforts in good faith to assist Ms*** with her modification requestDuring our servicing Shellpoint has evaluated Ms*** for a loan modification on two (2) separate occasionsRegrettably, in each review the loan was deemed ineligible for a loan modificationWe have enclosed copies of the Evaluation Notices speaking to the results of those evaluations. Regarding Ms***’s concerns pertaining to our requests for documentation, we have provided the following information. On November 1, 2017, Shellpoint received Ms***’s second loss mitigation applicationHowever, the majority of the documentation received was determined to be illegible, and also certain documentation provided were not the most recent documents that would be availableAt that time, Shellpoint required the following documentation: • Most recent month’s paystubs o The paystubs received were for pay periods in September Shellpoint would require the paystubs received in October 2017. • Award Letter for Annuity o Document received was illegible • Bank Statements o Documents received were illegible • Junior lien mortgage statement o Not received o This document was requested because a junior lien was reported as an expense on Ms***’s Request for Mortgage Assistance For your records, we have enclosed a copy of the November 1, loss mitigation applicationOn November 9, 2017, Shellpoint spoke with Ms***’s authorized representative, *** Law P.C., regarding the documentation that was still needed at that timeShellpoint received additional documentation on November 28, and December 4, 2017, which was reviewed and still deemed incompleteSpecifically, Shellpoint received copies of illegible documentation. Also note that current documentation submitted to our office is typically valid for ninety (90) daysOnce documentation has expired or if the expiration of documentation is imminent, Shellpoint may request for up-to-date versions of the applicable documentationIn that regard, in early January Shellpoint requested that Ms*** provide updated versions of certain documentation previously provided that had expiredShellpoint received all of the required documentation on January 17, 2018, and continued with the next phase of the evaluation process. Note that Shellpoint’s most recent evaluation was completed on February 1, Shellpoint is committed to assisting homeowners experiencing financial difficulties with a variety of loss mitigation options; however, Shellpoint must evaluate all homeowners fairly and accurately in accordance with the program guidelinesRegrettably, Ms*** has not been deemed eligible for a loan modificationSince Shellpoint’s February 1, determination we have had conversations with her regarding the determination and offer other potential workout options, including non-retentionoptions as well as a repayment planShellpoint’s last conversation with Ms*** was on February 16, 2018, where during that conversation she indicated she would be pursuing mediation at this time. The property has been referred to an attorney to commence foreclosure proceedings; however, a sale has not been scheduled at this timeCurrently the total amount due on the loan is $35,This amount consists of the September 1, through February 1, installments totaling $30,764.64, late charges totaling $3,147.03, and fees totaling $1,Note that the fees provided may not consist of all of the fees and costs associated with the foreclosure proceedingsIf Ms*** wishes to obtain a reinstatement amount we respectfully request that she contacts Shellpoint’s Loss Mitigation Department via telephone at (866) *** for further assistance. We trust this information addresses Ms***’s concernsIf Ms*** wishes to pursue other available options, we respectfully request that she contacts the loan’s assigned loss mitigation specialist, Erica K***, via telephone at (866) ***, extension *** for further assistanceYou may also contact Shellpoint’s Loss Mitigation Department via telephone at (866) ***. Lastly, if Ms*** wishes Shellpoint to cease communication with her, we respectfully request that she provides a signed, dated letter to our office confirming the sameMs*** should be aware that requesting Shellpoint to cease contact with her could cause delay in providing her important information regarding the accountHowever, if Ms*** wishes to proceed with this request she should send her request to Shellpoint’s Loan Servicing Department via facsimile at (866) *** or via email to ***@shellpointmtg.comUpon receipt Shellpoint will update its records accordingly. Should you have further questions, you may contact Shellpoint’s Escalation Department at (888) *** Monday through Friday between the hours of 8:a.mto 5:p.m(EST)You may also reach us via email at ***@shellpointmtg.com. Sincerely, Wendell H***, Jr. Compliance Department Enclosures: Evaluation Notices and November loss mitigation application

Once Shellpoint finally got my deed-in-leiu filed in December 2016, I was supposed to received a relocation check within days after the court filingIt's now the last week in June and still haven't gotten the checkI was in communication with Tara M*** from February until about April and then
she stopped returning my callsShe recently returned my call in June and said the check was mailed on 6/9/Today is 6/27/17, still no checkI've left yet another voicemail for her a few minutes agoI would just like to receive the relocation funds that I was promised in the amount that was promised

January 22, 2018 *** *** *** *** *** *** Rd ***, VA 23114 RE: Revdex.com Case #: *** Reference #: *** Account #: xxxx*** Property: *** *** Rd ***, VA 23114 Dear *** and *** ***: This letter is in response to the Revdex.com of the Upstate Rebuttal received on January 11, 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 June 16, 2017. Shellpoint is aware this loan is included in a Petition for Chapter BankruptcyShellpoint is not attempting to collect the debt due to your bankruptcyThis communication is for the purpose or responding to your complaint. 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 rebuttal, you allege the majority of Shellpoint’s previous response was inaccurate and/or untrueYou stated your bankruptcy attorney never received notification that there was a problem with the post-petition bankruptcy payments, and that he was sent loan modification packages, which contained no specific details about the payment status of the loanYou stated your husband called Shellpoint to obtain a payment coupon or monthly statement, and the agent he spoke with verbally offered a deferment to himYou also stated that only one (1) telephone call was made to you from Shellpoint once your attorney gave his authorization for Shellpoint to communicate directly with you about the loanLastly, you accuse Shellpoint of “shady business practices,” and have named multiple entities who have handled complaints against Shellpoint. As previously stated, Shellpoint submitted three (3) letters (enclosed) to your attorney offering possible loss mitigation options to help bring the loan current or make the payments more affordableIn the first correspondence sent dated August 15, 2017, the first line of the Streamlined Modification Solicitation Letter states “Your mortgage is seriously delinquent.“ No loss mitigation options would have been provided to them if the loan was currentWe regret your bankruptcy attorney failed to review the documents and advise you of the status of the loan; however, that is out of Shellpoint’s controlPlease contact Shellpoint’s bankruptcy attorneys, ***, *** * ***, PC at ***, should you wish to discuss the Motion for Relief filed on December 26, 2017. When a loan is part of an active bankruptcy plan, servicers do not send monthly statements, payment coupons or delinquency letters (if applicable) to homeowners, as it can be construed as an attempt to collect the debt, and be in violation of the bankruptcy planShellpoint’s records indicate we have your attorney’s consent to discuss loss mitigation options and payment arrangements with youSince you have indicated you called to inquire about receiving monthly statements, Shellpoint has updated the loan to begin sending monthly statements. We regret your husband was offered a verbal deferment by a Shellpoint agent, as deferment options are not available on loans *** involved in active bankruptcyShellpoint maintains there have been no outbound calls made to you to discuss the loan, due to its active bankruptcy status. Please know that Shellpoint takes its customer service responsibilities very seriously and your allegations regarding our business practices have been brought to the attention of the appropriate parties within the organization; however, because the complaints handled through the entities named in your response do not pertain to your loan, we are unable to respond to that statement. Shellpoint maintains there have been no errors in the servicing of the loanYou have the right to request documentation supporting this statementEnclosed is a copy of the Loan History Summary for your records. Should you have further questions, you may contact me directly at 864-***. Sincerely, Lisa F* Compliance Department

Revdex.com,
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

RE: Revdex.com Case #: *** Reference #: *** Borrower(s): *** and *** *** Property: *** *** Way ***, CA 95842 Dear Ms***: This letter is in response to the Revdex.com rebuttal received on July 21, 2017, regarding the subject property. The Bank of *** *** *** FKA The Bank ** *** ***, as Trustee for the Certificateholders of the ***, Inc., *** Loan Trust ***, Mortgage Pass-Through Certificates, Series *** is currently the owner of the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on the behalf of the owner referenced above on or about December 15, 2014. This is not an attempt to collect the debt due to the discharged bankruptcy. Per the rebuttal, Mr*** continues to dispute the response due to the fact that the property has not been moved into foreclosureAdditionally, he states that the property is not secure, as there have been calls to law enforcement due to break-ins. Since our last response, Shellpoint has referred the account to a foreclosure attorney to begin foreclosure proceedingsThe foreclosure attorney is currently preparing to file the Notice of Default, and plans to have that completed by the end of the month. Regarding the break-ins, Shellpoint was previously made aware of possible break-ins or squatters and the property has since been re-securedOur most recent inspection of the property was performed on July 17, and the results confirmed the property is securePlease be advised that Shellpoint takes property preservation very seriously and has dedicated staff to manage property maintenance of our vacant properties, and ensure compliance with both State laws as well as any applicable Federal regulations. In reiteration, we are still uncertain as to what the purpose of Mr***’s rebuttal isHe is no longer liable for the debt, it has been removed from his credit report, and he has surrendered the property and is no longer living thereAt this point, Mr. *** no longer has any interest in this account or the propertyWe want to assure you that we are working through the legal process with the foreclosure in order to change the titleThis is not something we can get aroundWe are not able to determine what else the additional complaint is trying to accomplish, or what else we can resolve for Mr***Shellpoint maintains that we are handling the account according to applicable laws and regulations and any pending issues that Mr. *** has any interest in have already been resolved. Should you have further questions, you may contact me directly at 864-***. Sincerely,
***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
Not all of those statements were accurate, and if they were good at customer service and getting back to people then why did I have to resort to Revdex.com? Further, they state that if I need loan assistance that I have to call a number, which also goes completely against my email or USPS only rule with them. So, how do I contact them VIA EMAIL?
Regards,
*** ***

This letter is in response to the complaint submitted June 9, 2016, regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the above referenced loan on or about November 14, 2014. Upon review of the complaint, Shellpoint determined we had
already received a similar, complaint directly from Ms*** on May 24, and June 9, We responded to her with a letter dated June 14, and sent it by email to ***Enclosed is a copy of the response. We would like to apologize for any inconvenience regarding this issueIf you have any further questions, comments, or concerns, please contact me at ***. Sincerely, ** *** Shellpoint Mortgage Servicing *** Regulatory Fax: *** Enclosure 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. ***Dear Ms***: This letter is in response to correspondence received May 24, and June 9, 2016, regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the above referenced loan on or about November 4, 2014. Per the correspondence, you would like your Private Mortgage Insurance (“PMI”) premium lowered to $43.39, as you allege the Initial Amortization Schedule you provided states when the loan reaches a principal balance of $222,729.00, the PMI premium will be lowered. The [PMI] Commitment/Certificate Endorsement from *** *** Insurance Corporation (“***”) attached to your loan states, “This Endorsement modifies the Commitment/Certificate or terms which apply to the Loan, as stated below …” This document is effective March 19, 2008, (the closing date of the loan) and carries a fixed PMI premiumIt is not tied to the principal balance of the loan, or the loan modification you obtained. Please refer to the Premium Rate box, which shows the rate for year one (1), and years two (2) through ten (10) is ($210.43)The rate is scheduled to drop beginning in year eleven (11) to ($43.39), which will be April A copy of the endorsement you provided in your dispute, as well as a more current copy is enclosedBoth documents show a Certificate Effective Date of March 19, 2008. Since the aforementioned document is related to the origination of the loan, Shellpoint cannot elaborate further regarding the documentShellpoint respectfully advises that any further investigation, questions or concerns regarding the loan closing documents be directed to the original lender or closing agent. We apologize for any confusion this may have causedIf you have any additional questions or concerns, please contact our Customer Service department at ***
Sincerely, ** *** *** Shellpoint Mortgage Servicing Enclosures

RE: Revdex.com #: ***, *** *** Reference #: *** Account #: *** Property: * *** Garland, TX 75044 Dear Ms***: This letter is in response to the Revdex.com of the Update complaint received April 6, regarding the
subject property*** Financial, LLC 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 January 01, 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*** states he has paid out of pocket for all repairs to his home due to a hail stormHe further states he has submitted all of the documents requested by Shellpoint and had the 100% complete inspection performedDespite the aforementioned, he has not received any loss draft funds from Shellpoint. According to Shellpoint’s records, Mr*** called our Insurance department on July 25, to begin a new claimAt that time, he was advised of the monitored claim process, and a Claims Procedure Packet was mailed to himDuring an email exchange between Mr*** and our Insurance Department on September 13, 2016, he was advised we had the insurance check, Owner Affidavit and the adjuster’s reportWe then asked if he was completing the repairs himself or if he was planning to hire a contractorDuring the exchange, he indicated that all of the contractors in the area were swamped and there was no immediate need to get the work completed, and it would be a few months after the area “calmed down” from the work created by Hurricane Matthew’s destructionOn September 19, 2016, we received an email from Mr*** indicating he would do the work himself and have us inspect it when he was finished. On October 15, 2016, our Insurance Department emailed Mr*** to request all contractor documents, to which he replied on October 17, 2016, stating he was still working on itThe market was behind with being able to get things done and he hoped to move forward in the next ninety (90) days. On December 21, 2016, a letter outlining the missing documents that were needed was mailed to Mr***When no response was received, the letter was emailed to the him on January 27, 2017. On February 22, 2017, Mr*** called to request a final inspectionDuring the call, he was advised we still needed his contractor’s information, to which he stated he used two (2) different contractorsAdditionally, we emailed him the missing document letter that was originally sent via US postal mail on December 21, and via email on January 27, 2017, along with the Completion Affidavit and WaiverThe inspection was ordered the same day, and completed on February 28, 2017. On March 15, 2017, Mr*** called to inquire when the funds would be releasedHe was informed that we were waiting on the inspection to be approved, and it would be a fourteen to twenty-one (14-21) day process, to which he replied he would *** check back. On March 21, 2017, we called Mr*** to again request the receipts and self-repair letter in order to release the funds. Mr*** called our Customer Service Center on April 5, 2017, and wanted to know the status of his fundsHe was informed that we needed a waiver from *** & Associates Roofing showing zero dollars owed; a waiver from ** *** showing zero dollars owed, and a signed letter from him stating he completed the rest of the repairs himselfAt that time, Mr*** refused to send in the documentsHe called back to the Customer Service Center the same day requesting to speak with someone in management regarding the release of his fundsNo managers were available, therefore, he requested a call back. During the call back from our Insurance Department on April 5, 2017, we informed Mr*** of the documents needed to perform the final draw, which are: a waiver from *** & Associates Roofing showing zero dollars owed; a waiver from ** *** showing zero dollars owed, and a signed letter from him stating he completed the rest of the repairs himselfHe was reluctant to provide these items, but said if we would send something in writing he would work on getting what we requested. In an effort to accommodate Mr***’s request, an email to reiterate the needed documents were sent to Mr*** the same day. As stated above, the following documents are required in order for us to release the loss draft funds to Mr***: * a waiver from *** & Associates Roofing showing zero dollars owed * a waiver from ** *** showing zero dollars owed * a signed letter from him stating he completed the rest of the repairs himself. Until these documents are received, we are unable to release the funds. Shellpoint maintains that we are following the monitored claims process and are servicing the loan pursuant to the original agreement and all applicable lawsMr*** has the right to request documentation supporting our determination that no error has occurred in the servicing of the loanEnclosed is a copy of the Loan History Summary. Should you have further questions, you may contact Shellpoint’s Customer Service Department at (800) *** Monday through Friday between the hours of 8:a.mto 5:p.m(EST). Sincerely, Lisa F* Compliance Department Enclosure

RE: Complaint ID: ***, *** ** *** Property Address: *** *** Street, ***, TN 38107 Dear *** ***: This letter is in response to the complaint submitted February 27, 2017, regarding the above referenced loanShellpoint Mortgage Servicing
(“Shellpoint”) began servicing the loan on or about December 15, 2014. 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*** states she was previously in an active bankruptcy, but is now making her own paymentsShe states she has not received any monthly statements, and some of her payments have been returned due to being partial paymentsShe further states she has requested a detailed payment history, however, Shellpoint has refused to send one to her. On February 28, 2017, Shellpoint’s Compliance department attempted to contact Ms*** to discuss the complaint and resolution; however, 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 her. Shellpoint’s records indicate that Ms*** is not the borrower of the above referenced loan. Although the property deed may have been transferred to Ms*** and she included the property in her bankruptcy, she was not a signer of the Note that is still secured by the property. The loan itself is not her legal obligation to payShellpoint cannot add Ms*** to the loan, nor disclose any information regarding the loan to Ms***, including billing statements. Only the obligated borrower who signed the Note is being billedShellpoint does not have authorization from the borrower to discuss this loan or disclose any information about the loan to Ms***. If you have any further questions, comments, or concerns, please contact me at ***.
*** Sincerely, LF* Shellpoint Mortgage Servicing *** Regulatory Fax: (***)-***
***

September 21, 2017 *** *** *** *** *** *** Ln ***, TX 77328 RE: Revdex.com Case #: *** Reference #: *** Account #: xxxx*** Property: *** *** Ln ***, TX 77328 Dear *** and *** ***: This letter
is in response to the Revdex.com of Upstate South Carolina complaint received on September 11, 2017, regarding the subject property*** *** 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 May 15, 2017. 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, you stated that you have submitted your proof of your flood insurance coverage several times; however, you were advised by Shellpoint in a letter dated August 30, 2017, that we have not received that information and that lender-placed flood insurance (“LPI”) will be placed on the loanYou allege we are disorganized and keep changing the loan number, and that is what has led to this issueYou want us to admit it is an error on Shellpoint’s part, and that we have not placed LPI on the loan. Upon receipt of the complaint, the Shellpoint Compliance department attempted to contact you on September 21, 2017, to discuss the complaint and resolution; however, we were unable to reach youWe are here to take calls during the hours above. You may also request a specific date and time you would prefer we call you. Please be advised, Shellpoint has reviewed your *** Homeowner’s insurance policy extensively, and it does not contain flood insurance coverageAdditionally, we have contacted *** National for evidence of coverage on policy number ***This policy number was provided to our Insurance Department by you on September 19, To date, we have not received proof of flood insurance coverageUntil we receive proof of coverage, the LPI will remain in placeOnce proof of flood coverage is received, the LPI flood coverage will be cancelled back to the date your coverage is effective. Additionally, your loan number is ***, which is the same loan number that was provided to you in our Welcome Packet dated May 24, 2017, Billing Statements, and other correspondence from Shellpoint (enclosed)Your loan number has not changed. Should you have further questions, you may contact me directly at 864-***. Sincerely, Lisa F* Compliance Department *** Enclosures 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 purposeThis 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 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

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Please assist me in the resolve of this matterOnce again, I am concerned as to the initiation and completion of the assumption; as written in the statement of resolve submitted to Consumer Financial Protection Bureau, and the Revdex.com, from Shellpoint Mortgage. Concern: I was Told by Brenda
V*** to pay on 3/1/Quote, “Not one day early or one day late, not one penny more not one penny less”, end of quoteThen, I obtain the letter of resolve submitted by Shellpoint to CFPB, and the Revdex.com of South Carolina, that states no new trial payments initiated(See attached quote from letter of resolve). I, then attempted to contact Shellpoint, to clarify if I needed to pay the 3/1/trial payment mortgage, (hence PRIOR to this resolve, I was told I am on a new trial payment), to no avail. Concerned, because of the past history of Shellpoint and ***, in which, it depends on the individual you speak to, is the information rendered, unfortunately is never the same, resulting in my dismay and delay to resolve the matter. I then obtained a call from MsTawanda B*** on 3/2/answering my aforementioned question regarding the 3/1/trial paymentI was then informed, that I did not have to pay the 3/1/trial paymentAt the time of the conversation the money was still pending in my bank account. As of today 3/4/the funds have been withdrawnInquiry, since the resolve by Shellpoint Mortgage stated, “no more trial payments; secondly, since your Supervisor MsB***, said, “ I did not have to pay the trial mortgage payment on 3/1/2018”,may you please refund money to my account or apply said funds to the April, payment, (as listed in resolve). Please note I have not obtained the Assumption paperwork as of this date in time, 3/4/2018, Sunday 4:31pm EST. It was reported in the resolve paperwork submitted by Shellpoint Mortgage to CFPB and Revdex.com, the paperwork would be obtained within business days. Thank You *** ** ***

*** *** *** *** Circle ***, TX 77354 RE: Revdex.com Case #: *** Reference #: *** Account #: xxxx*** Property: *** *** Circle ***, TX 77354 Dear *** ***: This letter is in response to the RevDex.com of the Upstate complaint received on August 17, 2017, regarding the subject property*** *** Mortgage Acquisition Corpis 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 December 01, Servicing was transferred to *** *** *** & Reporting (“***”), on June 1, 2017. 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, you stated you made your June 1, monthly payment to Shellpoint; however, when the servicing was transferred to *** on June 1, 2017, the payment was never forwarded to the new servicerYou stated you were advised by Shellpoint that the funds were transferred on June 2, 2017; however, you spoke with *** and they informed you they never received the funds. Upon review of the complaint, Shellpoint determined we had also received a similar complaint directly from you, to which we have just responded on August 28, We have enclosed a copy of our response, as we feel it addresses the same concerns expressed in the above-referenced case. We apologize for any inconvenience you experienced during the servicing transfer of your loan from Shellpoint to ***. Please know that Shellpoint takes its customer service obligations very seriously and this matter has been brought to the attention of the appropriate people within our organization. Should you have further questions, you may contact me directly at 864-***. Sincerely, Lisa F* Compliance Department Enclosure

October 19, 2017*** *** *** *** *** Dr *** ***, CA 90043RE: Revdex.com Case #: ***Reference #: *** Account #: xxxx*** Property: *** *** Dr*** ***, CA 90043Dear *** *** ***:This letter is in response to the Revdex.com of Upstate South
Carolina complaint received on October 10, 2017, regarding the subject propertyThe Bank of *** *** *** FKA The Bank of *** ***, As Trustee for the Certificateholders of the ***, Inc., Asset-Backed Certificates, Series 2006-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 December 01, 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, you want Shellpoint to provide account information back to the inception of the loan in when Specialized Loan Servicing owned it, so that you can verify the accuracy on your credit reportYou stated the loan was bought and sold and it is illegal for both servicers to report information to the Consumer Reporting Agencies (“CRA’s”) regarding your loanYou want us to provide all account information in compliance with FCRA 604, 605, 609, and 623.Upon reviewing the complaint, Shellpoint’s Compliance Department attempted to contact you on October 19, 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 contact you.You are correct in stating that two servicer’s cannot report the same months to the CRA’s regarding a loanShellpoint can only report the months that we are servicing the loanAs stated above, Shellpoint began servicing the loan on December 1, Your prior servicer should not have reported any further payment history beginning in December and going forwardThe prior servicer should have reported the loan with a Status of “transferred” as of December Although the prior servicer’s tradeline will remain on the CRA’s records, it should remain with a status of “transferred” and no further updates should be made to itYour prior servicer’s tradeline should only reflect payment history for the months they were servicing the loan.The same goes for ShellpointShellpoint has a sixty (60) grace period after the transfer of servicing, before we will begin reporting the loan to the CRA’sShellpoint acquired the servicing of the loan on December 1, and webegan reporting this loan effective January 31, Shellpoint has continued reporting the loan each month through present, as we are still the servicer.Shellpoint has reported the following information to the CRA’s:• In January 2017, we reported the loan as a Current Account• In February 2017, we reported the loan as a Current Account• In March 2017, we reported the loan as to days past due• In April 2017, we reported the loan as to days past due• In May 2017, we reported the loan as to days past due• In June 2017, we reported the loan as to days past due• In July 2017, we reported the loan as to days past due• In August 2017, we reported the loan as days or more past due• In September 2017, we reported the loan as days or more past dueWhen Shellpoint acquired the servicing of the loan in December 2016, it was a Current AccountHowever, the last full payment received on this loan was received as of March 23, 2017, and those funds were applied to the February 1, contractual due dateNo further payments have been receivedThe loan remains past due for the March 1, through October 1, installmentsWe have enclosed a copy of the payment history for you to review.We maintain the information reported to the CRA’s by Shellpoint is true and correctIf there is specific information that you would like to dispute, please indicate to us in writing with specific details and any supporting documentation you may have, and Shellpoint will gladly investigate it further.As of the date of this letter, the loan remains past due for the March 1, through October 1, installments.You have the right to request documentation supporting our determination that no error has occurredPlease refer to the enclosed payment history.If you wish to dispute information on another servicer’s tradeline, you will need to contact that servicer directly.Should you have further questions, you may contact me directly at 864-***.Sincerely,Lisa F* Compliance DepartmentEnclosurePlease 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 purposeThis 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 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.As required by law, you are hereby notified that a negative credit bureau report reflecting on your credit record***

RE: Complaint ID: ***, *** *** Current Owner: *** *** *** Association Reference Number: *** Dear *** ***: This letter is in response to the complaint submitted April 7, 2016, regarding the above referenced loan*** *** *** Association (“*** ***”) is currently the owner of the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the loan on behalf of the owner referenced above, on or about March 1, 2014. Per the complaint, Mr*** was denied his request to cancel his Private Mortgage Insurance (“PMI”)He is questioning the denial since he believes his LTV to be 79%. When a borrower has initiated PMI cancellation, the Homeowner’s Protection Act (“HPA”) provides, if the borrower meets certain requirements, PMI shall be cancelled on the date when the principal balance reaches 80% of the original valueThis is calculated by taking the current principal balance and dividing it by the original appraisal valueUsing this guideline, Mr. ***s LTV ratio is 87.2%. Current Principal Balance: $379,240.06 divided by Original Appraisal Amount: $435,000.00 Loan to Value Ratio: 87.2% If the borrower does not qualify for PMI cancellation per the HPA, they may still be evaluated for PMI cancellation based on the requirements set forth by the investor of their loanIn this instance, it is *** ***Their guidelines require the LTV to be 75% or below in order to cancel PMI insuranceThis is calculated by taking the current principal balance and dividing it by the current appraisal valueUsing this guideline, Mr***’s LTV is 79%. Current Principal Balance: $379,240.06 divided by Current Appraisal Amount: $485,000.00 Loan to Value Ratio: 79% *** At this time, Mr*** does not meet the criteria for PMI cancellation under HPA, or per investor guidelines. We would like to apologize for any inconvenience regarding this issueIf you have any further questions, comments, or concerns, please contact me at ***. Sincerely, ** *** Shellpoint Mortgage Servicing

December 28, 2017 *** * *** *** *** Ave *** ***, IL 60130 RE: Revdex.com Case #: *** Reference #: *** Account #: xxxx*** Property: *** *** Ave *** ***, IL 60130 Dear *** * ***: This letter is in response to the
Revdex.com of Upstate South Carolina complaint received on December 19, 2017, 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 December 16, 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, you stated that you called Shellpoint to advise us you were going to be late with the payment due December 1, 2017, since you have never been late beforeHowever, Shellpoint has called you three (3) times a day every day since December 16, You stated you do not want Shellpoint to contact you regarding your December 1, monthly payment, and you will pay late as you explained to us when you called two (2) weeks prior to the due date. Although the loan has a fifteen-day grace period, the contractual due date of the loan is the first (1st) of the monthAccording to Shellpoint’s records, you called on December 15, 2017, and advised our Customer Service Agent you would make payment by the end of the monthUnder circumstances, the account would have been updated to not make any calls until that timeDue to an oversight, the account was not updated as such when you spoke with our Agent on December 15, or to a Supervisor on December 19, Upon receipt of your complaint, the account was updated so no calls will be made until December 31, At that time, the calls will resume until payment is received. We apologize for the continued calls once you advised us that you would make your payment by the end of the month. Shellpoint takes its customer service obligations very seriously, and this matter has been brought to the attention of the appropriate parties within the organization. Should you have further questions, you may contact me directly at 864-***. Sincerely, Lisa F* Compliance Department 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 purposeThis 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 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. The primary regulatory authority having jurisdiction over the residential lending activities of Shellpoint is the Federal Trade CommissionTheir information is below: Federal Trade Commission Pennsylvania Ave., NW Washington, DC 20580 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 serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

January 29, 2018 *** * *** *** *** St SW *** ***, MN 55025 RE: Revdex.com Case #: *** Reference #: *** Account #: xxxx*** Property: *** *** St Sw *** ***, MN 55025 Dear *** * ***: This letter is in response to the Revdex.com of the Upstate rebuttal received on January 19, 2018, regarding the subject property*** *** Trust National Association, as Trustee of *** *** 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, 2017. 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 rebuttal, you state that Shellpoint reported timely payment, but classified your account as ‘derogatory.’ You want evidence that Shellpoint has repaired this. When Shellpoint began servicing your loan, we reported the loan as current for the month of June 2017, and discharged through a Chapter Bankruptcy, to the Consumer Reporting Agencies (“CRA’s”)Upon review, we determined since your liability for the debt was discharged prior to Shellpoint servicing the loan, the Shellpoint tradeline must be deleted in accordance with the Fair Credit Reporting Act (“FCRA”)As such a delete request was submitted to all of the CRA’s in August 2017. To ensure the tradelines were deleted, Shellpoint ordered Account Data Views to review the reporting showing for each CRA. We found all but the TransUnion tradeline for Shellpoint were deletedIn accordance with the FCRA, another request to delete the tradeline was submitted to TransUnion under Automated Universal Data form #***, on January 29, 2018. Shellpoint maintains the initial reporting of the loan to the CRA’s as a current loan that was discharged through a Chapter 7 bankruptcy was an inadvertent errorThe error was corrected with the deletion of the Shellpoint tradeline with our monthly file submitted to each CRA in August 2017, and with the additional request submitted to TransUnion today. Enclosed are copies of the Account Data Views for Equifax, Experian and TransUnion, and the manual submission to TransUnion for the tradeline deletion. Please see below for contact information for each of the CRA’s: TransUnion Equifax Experian Innovis www.transunion.com www.equifax.com www.experian.com www.innovis.com TransUnion Consumer Equifax Credit Information Experian Information Innovis Consumer *** *** ***, Inc***, IncAssistance P.OBox *** P.OBox *** P.OBox *** P.OBox *** ***, PA *** GA *** TX ***, PA 15230 (800) *** (800) *** (888) *** (800) ***
Should you have further questions, you may contact me directly at 864-***. Sincerely, Lisa F* Compliance Department Enclosures 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 purposeThis 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 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. This collection agency is licensed by the Minnesota Department of Commerce. 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 serviceCounseling for covered servicemembers is available from Military OneSource and the United States Armed Forces Legal Assistance or other similar agencies

Reference Number: *** Dear Ms***: This letter is in response to the complaint submitted March 10, to Shellpoint Mortgage Servicing (“Shellpoint”)Effective August 5, 2015, Shellpoint began servicing the loan on the behalf of *** Funding LLC. *** C***
stated in the complaint, I represent *** *** in the sale of his homeThe home is upside-down, so we have been working with Shellpoint for almost a year to secure a short sale. Our Single Point of Contact informed me that the short sale was approved; however, I have not received any communication from Shellpoint since. Shellpoint regrets any inconvenience the homeowners or their authorized representative may have experienced while communicating with our office, as Shellpoint strives to provide excellent service to all of its customersOn the inconsistencies asserted the complaint, Shellpoint has provided the following details. On February 29, 2016, Shellpoint spoke with the homeowners’ authorized representative, where during that confirmation Shellpoint advised that the original offer for purchase was not approved. Shellpoint countered the offer for purchase requiring an amount of $205,Following that conversation, Shellpoint received a dispute of the value it had previously obtained on the subject property, where based on an inspection it was valued at $205,Shellpoint reviewed the dispute of its value; however, following our review on the matter the value remained unchanged. Shellpoint maintains that the assessed value of $205,is valid. On March 3, 2016, following the determination on the value Shellpoint obtained, Shellpoint escalated the offer for purchase for further review to be considered for approvalLater on March 8, 2016, one of Shellpoint’s loss mitigation representatives spoke with the homeowners’ authorized representative, and advised that the offer for purchase had been submitted for approval. As of March 10, 2016, the offer for purchase was approvedOn that same day, the enclosed Agreement to Release Collateral Interest was issued. Shellpoint has approved the *** for a short sale where under the sale it would receive proceeds in the amount of $172,no later than April 15, Should the homeowners or their authorized representatives have questions regarding the short sale, we respectfully request they contact Shellpoint’s Loss Mitigation Department via telephone at (866) ***. If you have any further questions, comments or concerns, please contact me at (888) ***. Sincerely, *** *** Shellpoint Mortgage Servicing

Dear Ms***: This letter is in response to the complaint submitted December 30, 2015, regarding the above referenced loanShellpoint Mortgage Servicing (“Shellpoint”) began servicing the above referenced loan on March 1, 2014. Ms*** is not satisfied with Shellpoint’s previous response dated November 2, 2015, which stated that Shellpoint was not able to release the lien because we could not find a lien that matched the information provided to Shellpoint. Shellpoint previously requested that Ms*** send in a copy of the Deed of Trust that was processed at closingInstead, Shellpoint was provided with the location of the lien, Book ***, Page ***Shellpoint has requested our third party vendor research the lien based on the location provided by Ms***The research process can take up to ten business daysIf the lien is found, the release process will begin. We would like to apologize for any inconvenience experienced regarding this issue. If you have any further questions, comments or concerns, please contact me at 1-***. Sincerely,
** *** Shellpoint Mortgage Servicing