Ditech Financial, LLC

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech)After careful review of the account, we have verified that the servicing of this account was transferred from Bank of America N.Ato Ditech on April 01, The transfer of servicing does not affect the account terms and conditions, other than those related to the servicing of the accountAccount records indicate that Ms [redacted] requested autopay information sent to her on April 17, Ditech complied with Ms***'s request and the autopay information was sent to the mailing address listed on the account on April 18, On May 13, 2013, the completed automatic payment application was received by Ditech, which indicated that they would like electronic payments to be debited from their account on the first (1st) and fifteenth (15th) of each monthWhile Ditech does offer a bi-weekly automatic payment plan in which payments are debits every other week, we do not offer a bi-monthly payment plan in which payments can be debited on the first (1st) and fifteenth (15th) of each monthOn May 29, 2013, a letter was sent to the mailing address listed on the account advising that we were unable to fulfill their request to activate an automatic payment, as they requested bi-monthly partial payments, which was not an available optionOn July 02, 2013, Ms [redacted] contacted Ditech and was advised that bi-monthly was not an option and was advised information on Ditech's bi-weekly and monthly automatic payment programsMs [redacted] stated she was going to set up monthly automatic payments to be debited on the fifteenth (15th) of each monthMs [redacted] called Ditech again on August 26, and September 12, and was advised the same informationPlease note that no additional applications were completed or sent to Ditech for processingIf Ms [redacted] would like to set up automatic payments once the account has been brought current, she may contact customer service at ###-###-####We are unable to verify an instance in which Ditech set up extended payments for the borrower and they were received or applied to the account after the late fee assessment dateThe first payments set up by the borrower were on July 19, At that time, the account was already past due and had been assessed a late fee; however, payments were set up with the representative at that time and no payments were charged late feesThe account was not charged any late fees again until February of Records show that these payments were sent to us by the borrower and were not set up by DitechAfter the account became delinquent payments were set up after the late fee assessment date as necessaryAdditionally, when a payment is not received in full by the due date, attempts are made to contact the customer in order to prevent the account from further delinquency; therefore, contact was attempted as soon as the account became past dueEnclosed is a payment history for reviewIf Ms [redacted] finds that there is a payment they have submitted that is not reflected on the payment history, we will require a legible front and back copy of the cleared check in order to research the missing paymentThe payment hierarchy requires a full payment to be received before a payment can be applied to the due datePartial payments received will be placed in unapplied fundsUnapplied funds are payments that have been received, but have not yet been applied to the account because the amount received is not sufficient to make a full paymentThe funds will be held in unapplied funds until additional funds are received to satisfy a full paymentOnce a full payment has been received, the funds will be removed from unapplied funds and applied to the account.Please be advised that information regarding possible assistance was sent to the borrower via mail on October 15, and August 15, These letters are sent in accordance with regulatory and Ditech policyThey advise information in regard to loss mitigation options that may be available to themAdditionally, solicitation letters were sent to the mailing address listed on the account on September 01, and March 03, advising of possible loss mitigation optionsFor your convenience, we have enclosed copies of these letters for your reviewOn October 24, 2016, Ms [redacted] contacted Ditech to go over a repayment plan that was offered to them with concerns that the payment was too high; however, after going over the plan with their account representative, they elected to proceed with the repayment planAfter reviewing the account with the account representative, we have verified that a payment in the amount of $1,would need to be made to bring the payment plan current through JanuaryThe November and December payments received were short of the full amount due under the repayment plan and the January payment has not been receivedPlease be advised that attempts were made on January 16, 2017, January 20, and January 23, to contact Mrand Ms [redacted] via telephoneMessages were left for them to return our calls so that clarification can be made in regard to the repayment plan and the amounts currently due on the accountAs of the date of this correspondence, the account is past due for the November 01, through January 01, due dates in the amount of $1,Additionally, the account has a late fee balance in the amount of $and $in unapplied fundsWe understand that borrowers may experience income reductions, financial difficulties, or life changes that can affect their ability to make paymentsPlease be assured, Ditech wants to work with Mrand Ms [redacted] to determine acceptable payment arrangements that work for all partiesPlease contact Zena Dat (800) [redacted] , extension [redacted] to discuss options that may be available for the accountIf Ms [redacted] has any further questions, she may contact their account representative Zena Dat ###-###-####, extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)We would like to apologize for any dissatisfaction Mr [redacted] has encounteredOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementRecords show that two payments of $received from Mr [redacted] on May 27, and September 30, 2016, were applied as principal reductions instead of towards the regular monthly paymentsOn December 6, 2016, these principal payments were reallocated and applied to the regular payments as Mr [redacted] intendedPlease be assured that all payments were backdated to the dates received to ensure Mr [redacted] received appropriate credit to his accountWe have enclosed an account payment history showing this reallocationSince the principal balance was higher without the principal reductions of $603.20, when the payments were applied back to the account, the interest collected was a little bit higher, which cause the total principal balance to increaseThe principal balance before the reallocation was $86,and the principal balance after the reallocation was $87,Please note that this includes payments applied to the June through November paymentsThe amount that was applied to principal for the June through November payments before the reallocation was $1,and the amount applied to interest was $1,The amount that was applied to principal for the June through November payments after the reallocation was $1,and the amount applied to interest was $1,If you take the difference between the principal and interest applied to the account before the reallocation and after the reallocation, the difference is $If you add that amount to the $that was reallocated from the principal reduction payments, you have a total principal balance difference of $after the reallocation was completedIn addition, the December payment was applied to account due to reallocation, which brought the principal balance to $86,Our records do not show a principal balance increase of $1,Please be assured that all late fees assessed due to this matter have been removed from Mr [redacted] 's accountThe current late fee balance is $In addition, no negative information was reported to the credit reporting agenciesAs of the date of this correspondence, Mr [redacted] 's account is current and next due for the March 1, paymentThe next bi-weekly payment is scheduled to be debited from Mr [redacted] 's bank account on February 3, 2017, for the first half of the March 1, paymentIf Mr [redacted] has any further questions, he may contact his account representatives Walter Aat ###-###-####, extension ***, or Zena Dat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

March 23, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC ("Ditech") Enclosed is a copy of the FNMA MI Annual Disclosure Notice dated January 1, 2016, which advised [redacted] of his rights to cancel or terminate the private mortgage insurance (PMI)The PMI is scheduled for automatic termination when the loan reached 78% of the original payment terms not property valueThe automatic termination date is scheduled for April We can review the request to cancel the PMI prior to the automatic termination date; however, certain requirements need to be met as indicated in the FNMA MI Annual Disclosure NoticeRecords reflect we previously reviewed the request to cancel the PMI and the request was denied because the value of the property declined below its original valueA copy of the denial notice dated February 28, 2014, is enclosed To review the request to cancel the PMI prior to the automatic termination date, we will require a signed letter of authorization giving us permission to obtain a current appraisal and assess the cost of the appraisal to the accountIn addition, the loan-to-value needs to be at 80% and the appraisal value at $20,in order for the PMI to be removed The request to cancel the PMI and the letter of authorization for the appraisal can be faxed or mailed to: Ditech Financial LLC L800- Escrow Dept [redacted] StPaul, MN Fax: (480) [redacted] We again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at ###-###-####, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/50/ cc: [redacted] , [redacted] ***, Richmond, CA

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to assure Ms [redacted] that Ditech makes every effort to credit payments as requested Records indicate that on April 30, 2016, a payment of $1,was received at our payment processing centerThe payment was applied to the account's escrow, per the included payment coupon, which indicated that the payment was intended for escrowA copy of the payment coupon is enclosed for Ms [redacted] 's convenience.On May 17, 2016, a request to reallocate the referenced payment from escrow to the May 1, 2016, contractual payment was requestedUnfortunately, due to a recent internal system upgrade, all reallocation request have been delayedAn additional request to escalate the reallocation was made on June 10, 2016, but was not completed until June 27, The late charge of $44.22, that was assessed as a result of this matter was waived on June 27, There was no negative credit reporting made as a result of this issueWe apologize for any dissatisfaction this matter may have caused.If [redacted] has any further questions, they should contact her account representative Tarsha H, at ###-###-####, extension ***, or Thomas Hat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] Customer Service Correspondence Supervisorcc: [redacted] , [redacted] ***, ADDISON, IL [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Ms [redacted] has encounteredMs***'s payments of $received April 8, and $received April 22, 2016, have been reallocated and were applied to the May payment on June 9, 2016, backdated to April 22, In addition, Ms***'s payments of $received May 9, and $received May 20, 2016, were applied to the June payment.Please be assured that the late fee assessed to the May payment due to this matter has been waived.If Ms [redacted] has any further questions, she should contact her account representative Johnson Mat ###-###-####, extension ***, or Xavier Aat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

I have a further development in my complaint in which I may be forced to call the business and would very much not like to interfere or have to deal with their customer service any further My complaint is in regards to mismanaging my mortgage and taking payments when they weren't supposed to as well as canceling my payment method without contacting meI have made two months worth of payments at this time (6/24/which was to be applied to 7/bill and 7/which was a surprise draft by Ditech) but my account is still showing that payment is due as of 7/and these funds are not being attributedI am afraid that if I don't call them that I will be marked delinquent on my mortgage and it will negatively affect my Credit ScoreAt the same time I have had such horrible service when I've called in that I generally end up on the phone for hours trying to get things like this resolved.***copied and pasted from email

I am rejecting this response because: No adjustments have been made to my account for the interest that accrued during the period that the payment wasn't appropriately applied Also, the payoff amount was provided to me the next day after I submitted the inquiry to the Revdex.com (before the payment was corrected) and the payoff Ditech supplied in their response had the same amount included in it, which leads me to believe it still wasn't an updated amount

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding their account with Ditech Financial LLC (Ditech).Our records indicate that you filed Chapter Bankruptcy on October 11, The bankruptcy was discharged without reaffirmation of this debtWhen you filed bankruptcy and did not reaffirm the account, you discharged your obligation to the account.Please be advised, discharge of the debt in the bankruptcy removes the obligation to pay, however the lien on the property survives dischargeAfter discharge we must follow state requirements for foreclosure in order to enforce the lien.If [redacted] has any further questions, they should contact their account representative Camry Rat ###-###-####, extension ***, or Danae Wat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] , DALLAS, TX [redacted]

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)We apologize for any inconvenience or dissatisfaction that this matter has causedOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised, the escrow refund check in the amount of $1,was reissued in [redacted] 's name only on November 28, The check was mailed to [redacted] West Richland, WA We apologize for the delayIf [redacted] has any further questions, he may contact our Customer Service Department at (800) [redacted] Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to meI also received a phone notification that this action was taken.Thank you very much for resolving this issue[redacted]

Initial Business Response / [redacted] (1000, 5, 2015/09/15) */ September 15, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC ("Ditech") According to our records, the above referenced account has an open, active insurance claim as a result of water damage to Ms***'s propertyAll required documentation has been received and an insurance claim check, number [redacted] in the amount of $5,035.01, payable to [redacted] of New Mexico and [redacted] , was sent on September 14, This amount represents the first disbursement needed to begin repairs on Ms***'s property If Ms [redacted] has any further questions, she should contact her account representative Jalana Nat (800) [redacted] , extension ***, or Emmanuel Mat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) [redacted] , Monday - Friday AM to PM, and Saturday AM to PM CT Sincerely, Libby [redacted] Customer Service Correspondence Supervisor /slb/39/ cc: [redacted] , [redacted] Albuquerque, NM

RE: Case# [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)We apologize for the inconvenience and dissatisfaction that this matter has caused Mr***Our mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementPlease be advised that our Escrow Department has waived the requirement for Mr [redacted] to obtain a current appraisal of his propertyIn order to determine the property value we ordered an Automated Valuation Model (AVM), which indicated that the property was valued at $289,The referenced property value was sufficient to remove the Private Mortgage Insurance (PMI) from Mr***' accountA new escrow analysis will be completed for Mr***' account to reflect the removal of the PMI and to adjust his monthly payment amountAn Annual Escrow Account Disclosure Statement will be sent to Mr [redacted] under separate coverIf [redacted] Maas has any further questions, he may contact his account representatives Rocelia Dat (800) [redacted] extension ***, or Santos Lat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

March 15, [redacted] Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN RE: Case # [redacted] , [redacted] Dear [redacted] : Thank you for the opportunity to respond to the complaint filed by [redacted] [redacted] regarding her account with Ditech Financial LLC ("Ditech") Please note, Green Tree Servicing LLC and Ditech Mortgage Corp combined to form Ditech Financial LLC, known as Ditech, a Walter Company, effective August 31, This was a name change only and had no affect on the terms and conditions of the referenced account Records reflect the loan was paid in full and closed on June 16, On September 18, 2015, we received a refund check in the amount of $from the insurance company, USAA Casualty InsuranceBecause the account was paid in full, we generated a reimbursement check to [redacted] on October 14, The check was not cashed and we placed a stop payment on it; therefore, the check was no longer valid when she attempted to cash itAccording to [redacted] , she sent the check back to us in order to have it reissuedRegretfully, the check was misplaced, which caused a delay in the reissuance Please be advised, today we reissued the check and it will be sent via regular mail to the address below: [redacted] Boles, AR [redacted] should expect to receive the check within the next two weeksPlease note, she requested that we reissue the check in her new married name; however, we did not have the appropriate documents on file to comply with her requestTherefore, she agreed to have it reissued in her maiden name of [redacted] We again apologize for any dissatisfaction this matter may have causedIf you have any further questions or concerns, please do not hesitate to contact our Customer Service Department at (800) [redacted] , Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT Sincerely, Nikki [redacted] Customer Service Correspondence Supervisor /kas/41/ cc: [redacted] , [redacted] **, Boles, AR

I am rejecting this response because: - I already sent this signed form giving permission to release information

Thank you for the opportunity to respond to the rebuttal filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We sincerely apologize our previous response was directed to the co-borrower on the account, [redacted] .Please find enclosed a copy of the Private Mortgage Insurance Disclosure that Ms [redacted] signed on June 14, This disclosure advises that if the account is current, the PMI will automatically terminate on the date the principal balance of the account is first scheduled to reach 78% of the original value of the property, which is September 1, 2016.The PMI will be cancelled during the month of September Once processed, it will be cancelled with an effective date of September 1, It may take up to two billing cycles before it is reflected on the monthly billing statementOnce cancelled, Ms [redacted] will receive a letter advising that the PMI has been removedThis response will also be mailed to Ms [redacted] .If Ms [redacted] has any further questions, she should contact her account representative Christopher Mat ###-###-####, extension ***, or Shanna Sat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday 7:a.mto 8:p.m., and Saturday 7:a.mto 1:p.mCT

RE: Case# [redacted] , [redacted] ***Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech).According to the terms of the contractual agreement, the monthly payment is due on the 1st. If the payment is not received on or... before the due date it is considered late and is subject to collection calls. If the payment has not been received by the 16th of the month, a late fee may be assessed to the account. Enclosed for your convenience is a copy of the signed Note. Under (6) Borrower's Failure to Pay as Required, (A) Late Charges for Overdue Payments it states "If the Note Holder has not received the full amount of any monthly payment by the end of fifteen calendar days after the date it is due, I will pay a late charge to the Note Holder."We apologize for any dissatisfaction you encountered. Our policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respect. We do not tolerate unprofessional behavior from any of our associates.When a payment is not received in full by the due date, attempts are made to contact the customer in order to prevent the account from further delinquency. Collection communications are placed solely for the purpose of determining payment intentions when the customer fails to pay as agreed. If the customer has agreed to make a payment, collection communications may continue if a payment is not received by the promised date. If the delinquency is not resolved, we may exercise our right to seek possession of the collateral.If you have any further questions or concerns, please contact ###-###-####, Monday - Friday, 7:00 a.m. to 8:00 p.m. CT, and Saturday 7:00 a.m. to 1:00 p.m. CT. Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] ***, [redacted] OCEANSIDE, CA 92058 [redacted]

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding his account with Ditech Financial LLC (Ditech)Records indicate we received Mr***'s escrow shortage payment of $on July 8, 2016, and it was applied to his escrow accountAs indicated on the enclosed escrow analysis, Mr***'s monthly home and escrow payment was updated to $beginning with the September 1, due dateIf Mr [redacted] has any further questions, he may contact his account representatives Thandi Fat (800) [redacted] , extension ***, or Christie Gat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech)On June 10, 2017, Ditech submitted an Automated Universal Data form (AUD) to the major credit reporting agencies (Equifax, Experian, Innovis, and TransUnion) to reflect the account status of paid in full, was a charge offThe individual credit reporting agencies normally take up to 3-business days to update their systemsMs [redacted] may keep this letter for verification of the changeIf Ms [redacted] has any further questions, she may contact our Asset Receivables Management Department at ###-###-####, Monday – Thursday, 6:a.mto 7:p.mMT, and Friday 6:a.mto 12:p.mMT

RE: Case# [redacted] , [redacted] Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any inconvenience that may have been causedAccount records indicate a payment in the amount of $was set up online on May 31, 2016, confirmation number***-***- [redacted] Unfortunately, on June 6, the payment was returned due to an invalid account numberPlease note that we are unable to provide the full account number or routing number used in this transaction as our payment system only provides the last four digits.Please note that on June 10, 2016, June 22, and July 20, three additional payments were set-up; however, all three payments were declined due to invalid account.Pursuant to [redacted] 's request, we have ceased phone communication at this time; however, we will continue sending correspondence as required.If [redacted] has any further questions, they should contact their account representative Justin Lat ###-###-####, extension ***, or Scott Pat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT.Sincerely,Shea [redacted] DitechCustomer Servicecc: [redacted] , [redacted] **, BREMERTON, WA [redacted]

RE: Case# [redacted] , [redacted] ***Dear [redacted] :Thank you for the opportunity to respond to the complaint filed by [redacted] regarding her account with Ditech Financial LLC (Ditech).We apologize for any dissatisfaction Ms [redacted] encountered in dealing with our associatesOur policy and practice is to conduct all communications in a courteous and professional manner and to, at all times, treat our customers and third parties with respect.An escrow analysis was completed for Ms***'s account on May 11, An Annual Escrow Account Disclosure Statement, which outlined the new payment amount was sent to the mailing address on fileWe apologize if Ms [redacted] did not receive the reference statement and a copy has been enclosedIn addition, the new payment amount was reflected on the billing statement dated May 31, for the July 01, due date.The escrow account is analyzed by taking into account the total amount of the projected disbursements expected over the next months and spreading them over months to determine the "base" escrow amountThe projected disbursements are typically based on the cost of the previous year's disbursements and were calculated as follows:Projected Escrow Disbursements:County $3,374.65Hazard/Fire $1,328.00PMI $1,062.72Total Projected Escrow Disbursements: $5,765.37Escrow Payment Calculation: $5,/ = $(Base Amount)Please be advised, according to Section of the Real Estate Settlement Procedures Act ("RESPA"), Ditech is allowed to maintain a cushion equal to one-sixth of the total amount of items paid out of the account, or approximately two months of escrow paymentsIf state law or mortgage documents allow for a lesser amount, the lesser amount prevails.Nevada, New York, and North Dakota state law does not allow this cushionMontana, Utah, and Vermont only allow a one-month cushionAll other states allow a two-month cushion, which Ditech opts to maintain on the escrow accountAs reflected on the Annual Escrow Account Disclosure Statement, the cushionfor this account is $783.78.It was determined that Ms***'s escrow account had a shortageA shortage occurs when the projected balance is less than the required balanceThe escrow account is short in meeting the cushion requirement at the lowest point in the projected analysisAt the time of the analysis, the escrow for the account had a shortage balance of $and was scheduled for collection over a period of months at a cost of $per month.Ms***' payment in the amount of $1,that was misapplied as a principal only payment was reallocated from principal and applied to the July 01, due date on August 16, The transaction was backdated to July 26, to ensure proper credit to the accountA late fee of $assessed to the account as a result of this matter has been waivedAs of the date of this correspondence, the account is next due for the September 01, due date in the amount of $1,158.06.If [redacted] has any further questions, she should contact her account representative Lawrencett Wat ###-###-####, extension ***, or Allen Pat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at ###-###-####, Monday -Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT