Ditech Financial, LLC

RE: Case#*** , *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** ***, received on June 22, 2016, regarding his account with Ditech Financial LLC (Ditech).We understand Mr ***'s concernsPlease be assured that his
correspondence has been reviewed with the appropriate department management and the following response is provided.Records indicate that we have been in contact with Mr*** concerning his request for loss mitigationThe following time line of events has occurred:On April 6, 2016, we received a request for loss mitigation from Mr***.On April 11, 2016, a letter indicating that we required additional documentation was issued for the accountOn May 19, 2016, the loss mitigation request was closed and a letter was sent to Mr***, indicating that we had closed our review because we had not received a completed application.On May 31, 2016, Mr*** contact us at which time we indicated that he would need to submit a new application and documentation.On June 3, 2016, a request for a property tax bill was emailed to Mr*** and a letter was mailed indicating additional documents were needed.On June 9, 2016, we received a phone call from Mr*** in which, he was advised that the documentation we received was unreadable.On June 14, 2016, account records indicate that the property tax bill required had not yet been receivedOn June 22, 2016, we received an incoming phone call from Mr*** where he expressed that he felt he was being given "the run around"The account manager contacted Mr*** on June 23, 2016, to discuss the issue.A final review of the loan modification requested confirms that we still do not have a copy of the property tax bill for Mr***'s property located at *** *** *** propertyMr*** has previously provided a copy of the bill stub used to submit the property tax payment, but the stub does not state if this is the fullamount for the year or if it paid in multiple paymentsWe are unable to use the provided information as part of the required documentation and we are unable to review the account until we receive a completed application and all the required documentationMr*** will need to provide the complete property tax bill for the property address for Ditech to complete the review of his applicationThe required information can be faxed to ###-###-#### or mailed to:DitechAttn: Loss Mitigation T*** *** *** *** Tempe, AZ 85283Please note, because Mr***'s account is a second lien, the account has not been reviewed for the HARP/FHFA modification programsThe account does not qualify for those programs as a second lienThe account may be reviewed for a Bank of America in house modification program.Mr***, should also be advised that the initial application was not submitted to us until April 11, The disengagement letter, sent on May 19, 2016, ended the previously requested loan modification reviewA new application was submitted June 2, 2016, but the review will be cancelled and a new decline letter issued for the account if the required information is not received.If Mr*** has any further questions or to discuss the status of the loan modification request, he should contact his account representative Brenda Oat ###-###-####, extension ***, or Timothy Fat 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.m.Sincerely,Kristina *** Customer Servicecc: *** ***, *** *** *** CLINTON, MD ***

RE: Case#***, *** & *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** and *** *** regarding their account with Ditech Financial LLC (Ditech)We apologize for the inconvenience and dissatisfaction that this matter has caused
the ***sOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementAccount records indicate that the ***'s payment of $received on April 15, was misapplied as a principal only payment, which caused the account to become delinquentOnce an account becomes or more days delinquent system-generated letters regarding loss mitigation options are automatically sentWe apologize for the confusion this causedOn July 19, 2016, the referenced payment correctly posted to the accountThe transaction was backdated to ensure proper credit to the accountA late fee was not assessed as a result of the misapplied paymentUpon review of the account, It was determined that the ***'s account was reported as open and current and indicated their reaffirmation agreementHowever, in December the ***'s reaffirmation agreement was removed due to a system upgrade, which caused their account to not be reportedTo correct this error, an Automated Universal Data form (AUD) was sent on October 12, to the four major credit reporting agencies (Equifax, Experian, Innovis and Trans Union) to update the account information and reflect the account as open, current and with the reaffirmation indicatedIn addition, the payment history was updated to reflect no delinquenciesOnce the information is received, it may take to business days for the credit reporting agencies to update their recordsIf *** or *** *** have any further questions, they may contact their account representatives Kelli Lat ###-###-####, extension ***, or Jerry Mat 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 *** *** regarding her account with Ditech Financial LLC (Ditech).We would like to apologize for any dissatisfaction Ms*** has encounteredOur mission is to provide exceptional levels of servicing and we continuously
strive to recognize opportunities for improvement.Records indicate we received a payment of $from Mr*** on April 21, 2016, which was applied as a principal only paymentOn May 4, 2016, we received a payment of $900.00, which was placed in unapplied fundsWe received an additional payment of $on May 16, 2016, which was combined with the $in unapplied fundsOut of these funds, $1,was applied to the May 1, payment and $was applied as a principal only payment.On June 2, 2016, we received a payment of $900.00, which was placed in unapplied fundsOn June 6, 2016, a reallocation was completed to apply the payments received April 21, and May 4, to the May 1, payment with $to principal, and the payments received May 16, and June 2, to the June 1, payment with $to principal as Ms*** intended.Please be assured this matter did not cause a late fee to the loan or negative credit to be reported to the major credit reporting agenciesAs of today's date, there is $in unapplied funds; therefore, the amount needed to complete the July 1, payment is $715.24.If Ms*** has any further questions, she should contact her account representative Jess Cat ###-###-####, extension ***, or Jonathan 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.mCT, and Saturday 7:a.mto 1:p.mCT

As previously communicated to Mr***, there are no records indicating that Mr*** was advised that the forbearance payments could be deferred to the end of the loanMr*** should note that call recordings are considered proprietary and confidential and will not be providedMr*** may be advised that Ditech is the servicer of the loan and must adhere to the servicing protocols of the loan's owner/investorTherefore, in order to add any past due amounts to the end of a loan, the terms of the original loan must be modified, which requires that a loan modification be completedUnfortunately, we are unable to comply with Mr***'s request to add the forbearance payments to the end of the loanWe apologize for any dissatisfaction this may cause

RE: Case#*** , *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding their account with Ditech Financial LLC (Ditech).The account is currently in a charged off status with an outstanding balance of $16,"Charge off"
means that the credit grantor wrote the account off of their receivables as a loss and it is closed to future chargesWhen an account displays a status of "charge off," it means that the account is closed to future use, although the debt is still owedOnce an account is placed into a charged off status, it is no longer assessed interest or late feesIf legally permitted, a deficiency balance may be collectedPlease note the information reported to the credit agencies is true and accurate.If *** has any further questions or concerns, please contact our Asset Receivables Management Department at ###-###-####, Monday - Thursday, 6:a.mto 7:p.mMT, and Friday 6:a.mto 12:p.mMT.Sincerely,Shea *** DitechCustomer Servicecc: *** ***, *** *** **, MCDONOUGH, NY ***

Initial Business Response /* (1000, 9, 2015/07/10) */
July 10,
***
Revdex.com OF MINNESOTA AND NORTH DAKOTA
S RIVER RIDGE CIR
BURNSVILLE MN
RE: Case # ***, ***
Dear ***,
Thank
you for the opportunity to respond to the complaint filed by *** regarding his account with Green Tree Servicing LLC ("Green Tree")
According to our records, a modification agreement was executed in July 2013, copy enclosed, and the modification was applied to the account on June 18, In May 2015, we determined that the capitalized amount was incorrect and the modification was reversed and reapplied on May 26, The amount capitalized in June 18, was $10,268.64, and the correction capitalized $10,After the modification was reapplied, our internal ledgers were incorrect which caused the modification to be reversed a second time on June 10, 2015, and reapplied on June 23,
Please be advised, during the time the modification was being reversed and reapplied, billing statements may have reflecting an incorrect amount dueIn addition, system generated notices were sent indicating the account was past dueThe reversal of the loan modification did not cause late fees to be assessed or negative information to be reported to the credit reporting agenciesAs of August 2014, the account had an outstanding late fee balance due of $The April 1, payment was not received until April 20, 2015, and a late fee was assessed on April 17, 2015, in the amount of $23.86, creating a late fee balance of $As of today, the account is past due $703.99, less the unapplied funds account balance of $510.79, to satisfy the July 1, due date, and has a late fee balance due of $A payment history is enclosed
We apologize for any dissatisfaction this matter may have causedIf Mr*** has additional account questions, he can contact Green Tree at (800)***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT
Sincerely,
***
Customer Service Correspondence Supervisor
/kas/
cc: ***, ***., Baltimore, MD

RE: Case#***, *** ***Dear *** ***:Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech).Pursuant to Mr***'s correspondence an in-depth review of his account has been completedNo request was located from Mr*** or any other third party to provide a copy of his Note/Contract prior to his previous correspondenceOn August 3, 2016, a request for a copy of the contract was entered in response to an incoming phone callA copy of the contract was mailed on August 9, A written request was never received for this documentsA copy of his contract is enclosed for his convenience.Records indicate that on August 5, 2016, a request was forwarded to Michelle at People's Bank for additional information needed to process Mr***'s subordination requestPlease note, certain requirements must be fulfilled before a subordination request may be approvedUnfortunately, this can be a lengthy processMr*** should keep in touch with his account representatives, for information related to the status of his request.If Mr*** has any further questions, he should contact his account representative Diavonni Jat ###-###-####, extension ***, or Nyiemah 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.mCTSincerely, Shea ***Customer Service Correspondence Supervisorcc:*** ***, ** *** ***, DAPHNE, AL 36526***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is my only optionIt is actually is not satisfactory because the response has several omissions and lies about how Ditech conducted businessI will send a third letter, with a receipt from the USPS this time, and hopefully Ditech will not ignore my request and just state they never received it againI spoke to two other agent's on the phone who both said they received my request

April 28, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Case #***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (“Ditech”)We understand Mr***’s concernsPlease be assured that his correspondence has been reviewed with the appropriate department management and the following response is provided. Pursuant to his correspondence, an additional review of the credit reporting for Mr***’s account was completedAccording to the payment history, the account was contractually due for the December payment when Mr***’s Chapter Bankruptcy was filed on June 9, Because we serviced the account when the bankruptcy was discharged, we are permitted to report the accountThe account will report as discharged in the Chapter Bankruptcy and with the delinquency that existed at the time that Mr*** filed for bankruptcy protectionThis is why the account reported has been reported as 180+ days past due and discharged in the bankruptcyThe information reported to the credit reporting agencies (Equifax, Experian, Innovis, and Trans Union) regarding the above referenced account has been determined to be true and correct according to account records and current bankruptcy laws. 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) 643-0202, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, *** *** Customer Service Correspondence Supervisor /asw/54/ cc: *** *** *** *** *** ***, ** *** Tell us why here

I am rejecting this response because:
Thank you for this response from Ditech
Background on DitechThey are actually Green tree per the
SCC online inquiryGreen tree was known publicly for thousands of class action
suits filed against them for their practices and was fined million dollars
by the FTC and CFNPThey changed their name after all the publicity they obtained
What Ms*** is failing to address is the fact that
what I was told on 3/21/in speaking with Andrea *** director of customer
service and someone name Heather in loan processing relayed that the error that
occurred to my account for months stemmed from a system glitch from an
upgrade they did that was unable to recognize my payments being sent every
days (I CAN SUPPLY THAT RECORDING SHOULD SHE WANT TO REVIEW IT!!!)
Let’s take what she saidShe said they reallocated the
fundsHowever, if applied correctly if every month overage is to be applied to
principle then interest is to decrease(WORDS FROM THE DIRECTOR AND SUPERVISOR
ALSO CAN SUPPLY THAT RECORDING ALSO)When the reallocation was applied the interest
amount increasedThis caused me to inquire with both an accountant and a
member of the family who works for the IRS who both conveyed that the
allocations were incorrect However,
each time I have called to speak to or written someone to review the details of
the allocations I am met with representatives hanging up on me, unanswered
voicemails, and unanswered emails. I
have called John *** AVP of customer service, I was told he would
investigate matters and he would return my call That was on 4/3/I have
left messages for John *** the VP of customer services and never received a
return callI have emailed Ms*** every day since the 3/29/and have not received
a reply However, this is the practice of this companyI am attaching a conversation
with Ms*** regarding follow up and follow through and how it is handled
Now let’s discuss the amount she claims is still in
suspenseShe stated
“ As of the date of this letter, the account is due for the May 1,
payment of $and has a credit balance of $1,000.00, pending
systematic application to the account, in unapplied funds.”
On
3/21/in speaking with Ms*** and Heather I was informed I had $in
suspense and waiting for additional payment to be received so that when the
entire amount $is received it would be applied to May 1st
payment It would only stay in suspense for hours
On
3/30/an additional $was released to apply .On 3/31/I spoke to a male
representative who confirmed that the payment was received but had not been
processed yetOn 4/3/17after checking n ditech intranet I noticed the payment
was still not applied and called and spoke with three individuals: customer
service rep, a supervisor, and loan processingThey all said that no payment
was receivedI found that to be odd when on the 3/31/I was told it was but
had not been processedI did an inquiry with my bank who sent me a
confirmation of when the check was received on 3/30/and when it was cashed
I call 4/4/because now I see on my payment activity that the payment was
posted as received on 3/30/on ditech websiteI inquire to when it will be
applied to May 1st payment and I am told by a supervisor at the end
of the nightToday I log on and I see that the funds are still in suspense and
never applied to May 1st payment an ongoing problem with this
company- not doing what they say they are going to doNow she is referring me
to contact Bibi G which I am told handles collections of delinquent accounts
Why would I need to talk to her if my account is paid up until May and
everytime I attempt to call I am told she has no voicemail
This
matter has surpassed my patience and I am currently in the process of suing
them for breach of contractThis company is a fraudulently holding money to accrue more interest they are reallocating and submitting funds incorrectly and based on the contracts I was recently able to retrieve with the assistance of the FBI they are in violation of additional criminal activities that I will pursuing all of them on They still have not applied my payment for May like they said they would on 3/21/17 *** ***

I am rejecting this response because:While I do wish to close this complaint and bring resolution to this concern, I felt the need to bring clarity to a few statements provided by Ditech in their response to my complaintOver the course of several days and after speaking to several individuals, I was consistently given different variations of information regarding the release of the title and lien releaseThis inconsistent information makes this company untrustworthy and unreliableAlso, when someone did finally tell me that it could take days to provide the much needed documents, I was told that it was a Delaware law which I found to also be untrueI never received a lien release or title until 10/31/which is consistent with a mailing date of 10/28/A lien release was never sent to me on 10/24/I did receive a payoff letter which served me absolutely no purposeI appreciate Ditech working with their outside consumer to expedite the much needed documents, however their customer service representatives need A LOT of training to ensure their delivery of accurate information

Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (“Ditech”)We understand Ms***’s concernsPlease be assured that her correspondence has been reviewed with the appropriate department management
and the following response is provided. We regret any dissatisfaction Ms*** may have encounteredOur mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementIt is our policy and practice is to conduct all communications in a courteous and professional manner and to at all times, treat all parties with respectOur representatives are trained and monitored to ensure adherence to all applicable collection laws and regulations, both state and federalPlease be aware that when the full payment has not been received by the due date, we attempt to contact the account holder to secure payment arrangements, and prevent the account from any further delinquencyPursuant to Ms***’s correspondence, no further phone calls will be made regarding the accountDitech will continue to send monthly statements and statutorily required notices. Records indicate that Ms***’s account is escrowed for the payment of property taxes and hazard insuranceWe received her initial request to remove her insurance from escrow, via email on June 21, Requests to cancel the escrow for an account, at that time, had to be submitted as a signed written requestA letter was sent to Ms*** on July 1, 2015, to inform her of this requirementA signed written request from Ms*** was not received and the insurance remained escrowedA second email, stating Ms***’s intentions to remove the escrow from the account, was received on January 12, A reply was sent on February 23, 2016, to inform her of the requirement of a written request and provided her with the appropriate address for her requestNo further requests to remove the escrow have been receivedPer the terms of the Deed of Trust, the waiver of escrow may only be in writing and the lender has the right to require the loan be escrowed at any timeWhile the loan is escrowed the amount of the monthly payment required to fund the escrow account is a required part of the monthly paymentAny payments received for less than the full payment due are placed in suspense until sufficient funds are available to allow a full payment to be applied to the accountMs*** may send a signed written request to remove the escrow requirement for the accountWhen the request is received it will be reviewed by the Escrow Department to determine if the account meets required removal criteriaSome factors effecting the approval of escrow removal are, current escrow account balance, late payment history, age of loan, investor requirements, and if there was a prior loan modificationThe signed request may be faxed or mailed to: Ditech Financial LLC Escrow DeptSt Peter Street St Paul, MN Fax: (480) 383-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) 643-0202, Monday - Friday, a.mto p.m., and Saturday a.mto p.mCT. Sincerely, *** *** Customer Service Correspondence Supervisor /asw/39/ Tell us why here

May 10, *** *** Revdex.com OF MINNESOTA AND NORTH DAKOTA S RIVER RIDGE CIR BURNSVILLE MN 55337 RE: Case # ***, *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (“Ditech”)We understand ***’s concerns. Please be assured that her correspondence has been reviewed with the appropriate department management and the following response is provided. Our tax vendor flagged the account to prevent disbursements while they were researching the parcel number for the property. This prevented the taxes from being disbursed in a timely manner. We are in the process of updating the tax lines so that the account is coded correctly for future disbursements. Account records indicate that a check in the amount of $697.36, for the tax penalties and interest, was processed on May 10, and is being sent under a separate coverWe again apologize for any dissatisfaction this matter may have caused. If 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, Shea *** Customer Service Correspondence Supervisor /ars/35/ cc: *** *** *** *** *** *** Brookshire, TX *** ** *** ***

Thank you for the opportunity to respond to the complaint filed by *** *** regarding his account with Ditech Financial LLC (Ditech)Please be advised that Mr***’ payment received July 29, 2016, was reallocated from the principal balance, combined with the funds received August 12, 2016, and
applied to the August 1, due date as he intendedPlease be assured that the late fee assessed to Mr***’ account due to this mater has been removedIn addition, the payment of $663.74, that was applied to the principal balance on April 22, 2016, was also reallocated to the regular monthly payment; therefore, as of today's date, the next amount due on the account is $1,for the October 1, due dateIf Mr*** has any further questions, he may contact his account representatives Jerome Gat (800) ***, extension ***, or *** Fat extension Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

RE: Case#***, *** & *** *** Dear *** ***: Thank you for the opportunity to respond to the complaint filed by *** & *** regarding their account with Ditech Financial LLC (Ditech)We apologize for the inconvenience and dissatisfaction that this matter has causedOur
mission is to provide exceptional levels of servicing and we continuously strive to recognize opportunities for improvementOur records indicate that Mrand Mrs*** executed a Home Affordable Modification Agreement (HAMP) for their account effective February 01, As part of the HAMP agreement, if the account stays in good standing it is eligible for incentive credits for the first five years after the modification became effectiveOn October 27, 2016, a HAMP incentive credit of $1,was applied to the account as a principal only paymentWe understand that Mrand Mrs*** were advised that we would reallocate the funds and apply them to the November and December regular monthly paymentsUnfortunately, we are unable to reallocate the funds to cover regular monthly payments and there are no exceptionsWe sincerely apology for the incorrect information providedWe have sent an Automated Universal Data form (AUD) to the four major credit reporting agencies (Equifax, Experian, Innovis and TransUnion) to remove the delinquencies reported for the December and January payments due to the misinformation provided by DitechIn addition, the late fees assessed for the November 01, and February 01, due dates have been waivedHowever, Mrand Mrs*** will need to remit the past due payments, as they are still owedThey may contact their Account Representatives at the phone number listed below to discuss payment arrangementsAs of the date of this correspondence, the account is past due for $1,for the January 01, and February 01, due datesIf *** or *** *** have any further questions, they may contact their account representatives Rose Rat (800) ***, extension ***, or Andrew Aat extension ***Our Customer Service Department is also available to answer any questions or concerns and can be reached at (800) ***, Monday - Friday, 7:a.mto 8:p.mCT, and Saturday 7:a.mto 1:p.mCT

We apologize for the dissatisfaction that this matter has causedA review of the account indicates that several incomplete borrower response packages were receivedWe sent incomplete information notices, which outlined the additional information and documents that were still required to complete the reviews, but we did not receive additional documents causing the reviews to be disengagedOn February 16, 2017, a full borrower response package was submitted and a modification review was completedUnfortunately, the account was not eligible for any of the available modification programsEnclosed copies of all incomplete information notices and disengagement letters

We have received your complaint and appreciate the opportunity to respondBefore we can do so, however, federal law requires that we obtain your consent to share information in the account filePlease sign and return the attached Authorization and Consent to Release Non-Public Personal
Information form so we may review and respond to your concerns

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC (Ditech).The servicing of the above account was transferred from CitiMortgage, Inc(CitiMortgage) to Ditech effective September 1, The servicing transfer did not
affect the account terms and conditions, other than those related to the servicing of the account.Our records do not indicate that we have reported any of Ms***'s payments as delinquent to the credit reporting agenciesIf Ms*** has a copy of her credit bureau report indicating that we have reported her account delinquent, she can mail or fax a copy of the credit bureau report to the above address or fax number, and we would be happy to research this matter further.If Ms*** has any further questions, she should contact her account representative Sigi Bat ###-###-####, extension ***, or Rashanna Mat 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

Please be advised, our records indicate that we have previously responded to Mr***'s concerns in full on two separate occasionsWe have enclosed a copy of the response sent by our Legal Department to Mr***'s complaint filed with the Arizona Department of Financial RegulationsAs previously communicated, we learned that Mr***'s primary residence is in California and that the property he was trying to assume was not his primary residence, as he indicated on the loss mitigation applicationThe occupancy requirement is set by the investor of the loan and we are unable to obtain an exception to this requirementTherefore, Mr*** is not eligible to assume the property and has been denied a loan modification for the property

Thank you for the opportunity to respond to the complaint filed by *** *** regarding her account with Ditech Financial LLC ("Ditech")- ---
Please be advised that we have verified with StLucie County that the homestead exemption is in place for As the tax amount has changed due to the homestead exemption, we require an updated tax bill in order to update our systemUpon receipt of the updated bill, Ditech may conduct a new escrow analysis based on the updated property tax amountThe tax bill can be submitted to the Ditech address or fax number listed above
If Mr*** has any further questions, she should contact her account representative Stephen Kat ###-###-####, extension ***, or Daniel 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.m., and Saturday 7:a.mto 1:p.mCT(DOC032216-***.pdf)