Residential Credit Solutions, Inc.

Dear 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 Thank you for all you have done to resolve this matter
Warm regards,
*** ***

These company stated that they have brought my mortgageBut they did notI have the fraudulent contract, that I got from CFPBI also have my release letter from key bank, staten that my loan was paid in full in I also have the orgional contract from the lawyer

This letter is in response to the correspondence forwarded to Residential Credit Solutions, Inc.(RCS) by your office for the loan referenced above.*** ***'s complaint inquired about the Private Mortgage Insurance (PMI) requirements associated with this loanIn general, the following
conditions must be met before a request for PMI cancellation can be approved :• Loan has not been days or more delinquent with the preceding months or days or more delinquent within the preceding twelve month.• Loan must not have a late charge balance• Loan must be a 1st mortgage• Loan must be at least two years old with a LTV (loan-to-value) ratio of 75% or less; or 5 years with a LTV of 80% or less.When *** *** contacted RCS on October 21, inquiring about the requirements for PMI removal, he was advised the loan was not eligible for the PMI at that time since the loan originated on August 30, and has not been two years old.Upon receipt of the complaint forwarded by your office, RCS has reviewed the PMI Disclosure statement *** *** signed at the origination of this loanOur research reflects that since Mr. Johnson loan is a 15-year term and it has different requirements for the PMI removal than a 30-year term According to the PMI Disclosure, this loan was eligible for PMI removal when the LTV was first scheduled to reach 80% on October 1, Since *** *** was given the incorrect information regarding the PMI cancel requirements, RCS has advanced the amount of $428.69 from our corporate account and issued a refund check number which was sent to Mr. Johnson under a separate cover on September 23, The refund check represents reimbursement for the PMI premiums for the following months:*** *** *** *** * *** * *** *** ***
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***Please be advised the PMI was automatically terminated on March 1, and no premiumshave been collected for the payments of PMI since March 1, 2015.RCS values our customers and strive to provide them with excellent customer service We apologize for any inconvenience this may have caused *** ***.If you have questions and need to speak with someone at Residential Credit Solutions, Inc., please contact us at correspondence3@residentia lcredit.com or toll-free at (877) 440- 4770. Our Customer Service Department is available Monday - Thursday from 8:am to 7: pm, and Friday from 8:am to 5:pm, Central Standard TimeIf you wish to submit a notice of error or request for information in accordance with the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at P.OBox 164069, Fort Worth, Texas 76161-or submit it via fax to (844) 647- Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on the loan and/or the specific information that you are seeking

This letter is in response to the correspondence forwarded to Residential Credit Solutions, Inc.(RCS) by your office for the loan referenced above.Our records indicate that on April 7, 2015, RCS paid the insurance premium due on the above account to Farmers in the amount of $804 .13 for the...

policy period from May 10, 2015 to May 10, 2016 . [redacted] 
[redacted] cancelled the policy effective May 25, 2015 and Farmers issued [redacted] a refund check for the unearned premium in the amount of $771.16 on May 27, 2015. Our research reflected the refund check was cashed on June 3, 2015 .RCS was notified of [redacted]'s new insurance company, Ameriprise Auto and Home Insurance, on June 2, 2015 through Electronic Data Interchange (EDI) with a premium due of$735 .68.  Since RCS already paid the insurance premium to Farmers on April 7, 2015, as acourtesy, RCS disbursed an additional check in the amount of $735 .68 to Ameriprise Auto and Home Insurance on June 3, 2015.Our research indicated that check number 20196020 in the amount of $735.68 payable to Ameriprise Auto and Home Insurance was approved for payment; however, it was not approved by the cutoff time which caused the check to return unpaid. Please be advised that on August 25, 2015, RCS applied the amount of $735.68 back to [redacted]'s escrow account since the insurance premium was already paid by [redacted] with the  previous  Farmer's  cancellation refund. Please note that there is no refund due since the payment to Ameriprise was not a scheduled disbursement. We have enclosed a copy of the payment history reflecting this transaction for reference .RCS values our customers and strives to provide them with excellent customer service. We sincerely apologize for any inconvenience this may have caused [redacted].If you have questions and need to speak with someone at Residential  Credit  Solutions,  Inc., please contact us at [redacted]. Our Customer Service Department is available Monday - Thursday from 8:00 am to 7:00  pm, and Friday from 8:00am to 5:00pm, Central Standard Time. If you wish to submit a notice of error orrequest for information in accordance with  the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at [redacted] 
[redacted] or submit it via fax to [redacted]. Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on the loan and/or the specific information that you are seeking .

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.[redacted] verbally confirmed having received authorization from [redacted], in the form of a fax. I was told that it was now on file that I have authorization to speak with RCS. Yet another discrepancy from an unorganized company.
Regards,
[redacted]

This  letter  is  in  response  to  correspondence  received  by  Residential Credit  Solutions,  Inc. ("RCS") for the loan referenced above on February 5, 2016.RCS has received recent correspondence from your entity in reference to a complaint filed by [redacted] on the loan referenced above. Please be advised that  the most recent correspondence is substantially similar to correspondence RCS initially received on January 12, 2016 and responded to on January 19, 2016. We have enclosed a copy of this response for reference.As stated in our January 19, 2016 response, RCS conducted a thorough review of the account in response to [redacted] complaint. As a result of our investigation , it was determined that unnecessary delays have occurred during the processing and handling of [redacted] Loss Draft Claim.According to our records, [redacted] contacted our Loss Draft Department on September 11, 2015 to notify us of a house fire; however, the call was not properly transferred to our Loss Draft Department. Subsequently, our Loss Draft Department was not aware of the fire damage until September 17, 2015 during a phone conversation with [redacted]. On September 17, 2015, [redacted] was advised that we must receive the insurance check and additional documentation detailed in our loss draft information packet in order to initiate the claim process. Subsequently, an information package was requested to be sent to [redacted]; however, due to a system error , the package was  delayed until September 28, 2015 at which time we were notified [redacted] had not received the initial paperwork.On October 7, 2015 , [redacted] was advised that insurance proceeds were received on the loan and additional information was requested to proceed with a loss draft claim. As of October 7, 2015, our Loss Draft Department requested an insurance estimate, a bid on repairs needed, a signed W9 Form, and a signed procedure letter, which was faxed to [redacted] at [redacted] on October 7, 2015. In researching the chronology of events that occurred during the processing of [redacted] Loss Draft Claim, it was determined that several delays occurred, including but not limited to, delays in receiving requested documentation, incomplete information being received from the contractor, and system update delays, which prolonged the claims process and [redacted] receiving her initial installment to begin repairs on the home.To date, two  insurance  checks  have been received  by  RCS for  deposit  in the amounts  of$45,162.96 and $10,917 .94. Likewise, three disbursements have been made to [redacted] in the amount of $15,054.32, $3,639.31, and $18,693.63. We kindly request that [redacted] contact our Loss Draft Department at [redacted] once all repairs are complete so we may order a final inspection of the property . Once RCS receives confirmation of 100% repairs on the property, additional draws will be issued to [redacted].RCS values our customers and strives to provide them with excellent customer service. Therefore, we would like to sincerely apologize for any delays we may have caused in the Loss Draft process. Additionally, we would like to apologize for any confusion or frustration that we may have caused [redacted] when communication with individuals at RCS.For additional questions regarding the Loss Draft process, [redacted] may contact the Loss Draft Department at [redacted] . As an alternative, [redacted] may contact the single point of contact, [redacted] for questions regarding the account status.If you have any questions and need to speak with someone at Residential Credit Solutions, Inc., please feel free to contact us toll free number at [redacted]. Our Customer Service Department is available Monday -Thursday from 8:00 AM and 7:00 PM, and Friday from 8:00 AM and 5:00 PM, Central Time. If you wish to submit a notice of error or request for information in accordance with the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at P.O. Box 163889, Fort Worth, Texas 76161-3889 or submit it via fax at [redacted] 
[redacted]. Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on theloan and/or the specific information that you are seeking .

MESSAGE FROM BUSINESS:This  letter  is in response to correspondence  received by Residential Credit  Solutions,  Inc.("RCS") for the loan referenced above on June 8, 2016.Our records reflect that the prior servicer GMAC Mortgage LLC approved a Home Affordab le Modification Program (HAMP) trial period plan on the above loan in 2009. [redacted] was responsible for remitting three trial payments for December 1, 2009 through February 1, 2010, each in the amount of $1,591.80. Since December 1, 2009 is the first month of the trial agreement it is considered the effective date of the Trial Period Plan period. A copy of this agreement has been enclosed for your reference.According to the letter dated March 31, 2015, [redacted] provided in his correspondence, the HAMP incentive of $5,000 .00 will be applied to the loan on the sixth anniversary of the month in which the HAMP Trial Period Plan was effective. This date would be six years from December 1, 2009, which is December 1, 2015. Upon further review of the loan on December 29, 2015, RCS applied the $5,000.00 HAMP incentive toward the principal balance of the loan. We  have enclosed a copy of the payment history for your reference.On January 1, 2016, the servicing of this loan was transferred to Specialized Loan Services LLC. A copy of the Notice of Assignment, Sale or Transfer of Servicing Rights letter has been enc losed which provides the contact information for the new servicer .If you have any questions and need to speak with someone at Residential Credit Solutions, Inc., please feel free to contact us toll free number at [redacted] . Our Customer Service Department is available Monday- Friday from 8:00 AM and 5:00 PM Central Time. If you wish to submit a notice of error or request for information in accordance with the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at [redacted] 
[redacted] or submit it via fax at [redacted]. Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on the loan and/or the specif ic information thatyou are seeking.

Residential Credit Solutions, Inc.[redacted]October 17, 2017Revdex.comAttn: [redacted]Re: Complaint ID: [redacted]RCS Loan Number: [redacted]Borrower Name: [redacted]Property Address: [redacted]Dear [redacted]:This letter is in response to correspondence received by Residential Credit Solutions, Inc.(“RCS”) on October 10, 2017 for the loan referenced above.The servicing of this loan was transferred from RCS to another servicer, Bank of America, onMarch 16, 2015. Your correspondence relates to the period when RCS was servicing the loan.Note that RCS no longer has a relationship with the credit bureaus with respect to this loan.Therefore, the bureaus may no longer be reporting account history from the period when RCSwas servicing this loan. Because RCS cannot verify whether any information about this accounthistory with RCS that is still being reported is correct, we will request that any bureau that iscontinuing to report the information remove it from the file, but we cannot guarantee that thebureau will do so.If you have questions and need to speak with someone at Residential Credit Solutions, Inc.,please contact us via our toll free number of [redacted]. Our Customer Service Department isavailable Monday — Friday from 9:00 am to 12:00 pm and 1:00 pm to 3:00 pm Central Time.Please note that RCS stopped servicing your loan more than one year ago, and therefore, inaccordance with the Real Estate Settlement Procedures Act and Regulation X. it is no longerpossible to submit a notice of error or request for information related to the time RCS wasservicing your loan.Thank you,[redacted]Assistant Vice PresidentResidential Credit Solutions, Inc.CC: [redacted] Residential Credit Solutions, Inc. - NMLS No. [redacted]Website: www.residentialcredit.comRosidenhal Credil Solutons. Inc.[redacted]NOTICE: If you currently are under the protection of the automatic stay under the UnitedStates Bankruptcy Code or if you have received a discharge from personal liability underthe United States Bankruptcy Code, this letter is for informational purposes only and isnot an attempt to collect, recover, or offset the debt and should not be considered to be ademand for payment or a notice of personal liability. Please consult an attorney if youhave any questions about your rights under bankruptcy law.Residential Credit Solutions, Inc. is a debt collector attempting to collect a debt. Anyinformation obtained will be used for that purpose.

This  letter  is in response  to  correspondence  received  by Residential  Credit  Solutions,  Inc. ("RCS") on March 25, 2016 for the loan referenced above.RCS has received recent correspondence from your entity regarding a complaint filed by [redacted]...

[redacted] regarding a payment sent to RCS for the March 1, 2016 monthly installment. Please note that effective March 1, 2016, the servicing of [redacted]'s account was service released to a new servicer, Ditech Financial LLC ("Ditech") . On February 5, 2016, a Notice of Servicing Transfer was issued to [redacted] to inform him of the upcoming service transfer . As stated in the February 5, 2016 notice, RCS stopped accepting payments received on the account after February 29 , 2016 . Subsequently, on March 29, 2016 RCS received funds of $1,650.00, which we transferred to Ditech for processing as we are no longer servicing the account.Pursuant with the Real Estate Settlement Procedures Act ("RESPA"), during the initial 60 days from the loan transfer date, an account will not have any late charges assess and will not be reported to the credit bureaus. Therefore, [redacted] is protected under RESPA until May 1, 2016 for late charges and credit reporting due to the recent service transfer to Ditech.Please note that on March 1, 2016, RCS updated our payment mailing address; however, due to processing delays with the United States Postal Service, there were unforeseen delays with payments being forwarded to RCS timely . For that reason, RCS did not accrue late fees for the month of March 2016 on any active RCS accounts . Although the payment [redacted] sent to RCS in March 2016 was delayed, his account with Ditech was not negatively impacted due to the RESPA protection on the account.RCS would like to apologize for any confusion or frustration the service transfer and mail delay may have caused [redacted]. For additional questions regarding the March 2016 installment, we kindly request that [redacted] contact Ditech at the contact information provided on the Notice of Servicing Transfer enclosed.If you have any questions and need to speak with someone at Residential Credit Solutions , Inc., please feel free to contact us toll free number at [redacted] . Our Customer Service Department is available Monday- Friday from 8:00 AM and 5:00 PM Central Time.  If you wish tosubmit a notice of error or request for information in accordance with the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at P.O. Box 163889, Fort Worth, Texas 76161-3889 or submit it via fax at [redacted]. Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on the loan and/or the specific information thatyou are seeking.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.There was NEVER a conversation between me and any of RCS'S representatives regarding previous payments to Farmers or refund check received by Farmers. THIS COMPLAINT was placed due to the lack of communication between Ameriprise and RCS. Neither company wanted to claim responsibly for the missing funds meanwhile leaving my family and I uncovered for homeowners insurance for almost 2 months. This is when I took matters into my own hands purchasing a different policy from Farmers and demanding the funds that were disbursed to Ameriprise refunded to my escrow account. The lack of customer service and accountability from RCS is why this complaint was filed. Of course it was not until I placed this complaint that the refund was suddenly refunded. Coincidence?  I think not. Looking to refinance elsewhere now!
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.
Regards,
[redacted]
To Whom It May Concern:     I reviewed the response from Residential Credit Solutions and at first it appears to be a reasonable resolution to the complaint filed, but since receiving the response on Sept 4, 2015, I have received four new letters from Residential Credit Solutions including a bill for $6624.68. I consider this harassment and increases my lack of confidence that Residential Credit Solutions will adhere to the resolutions outlined in their response. I would have more confidence in the company's proposals if they would cease to send out erroneous information until they have completed their research and corrected the errors. It would be at that point I would have no problem accepting their resolutions.

Complaint: [redacted]
I am rejecting this response because:The company don't do anything but lie, never talkded to Key Bank.
Regards,
[redacted]

This letter is in response to the correspondence forwarded to Residential Credit Solutions, Inc.(RCS) by your office for the loan referenced above.RCS received a rebuttal inquiry from your office regarding [redacted]'s Bankruptcy Chapter 13 case number [redacted] on the above reference loan. After researching the account, it was determined that the account was deemed to be brought current with the next due date of October 1' 2015 .RCS is in the process of posting 6 contractual payments of $827.71 each to bring the account current from April 1, 2015 to September 1, 2015 with the next date of October 1, 2015. RCS will be waiving the $15.00 property inspection fee along with the $8.00 NOR/Breach fees that were assessed to the account on September 5, 2015 . We apologize for all the inconvenience this may have caused [redacted] regarding his account.RCS will be making all corrections as of the date of this letter, and a payment history will be mailed to [redacted] as a confirmation that his account has been corrected with all payments and fees.The next due date will be October 1, 2015 in the amount of $827 .71. Please disregard the Notice of Default that was generated on September 14, 2015 . In regards to the billing statements on the account. The billing statements are monthly generated: however, a corrected billing statement will be generated once the account has been updated with all corrections.If you should have any questions and need to speak with someone at Residential  Credit Solutions , Inc., please feel free to contact us at [redacted] or at our toll free number at [redacted]. Our Customer Service Representatives are available Monday through Thursday between the hours of 8:00AM and 7:00 PM, Friday between the hoursof 8:00 AM and 5:00 PM, Central Standard Time.

Complaint: [redacted]
I am rejecting this response because:
Regards,
[redacted]

Please see the attached response for reference to complaint ID [redacted] Dear [redacted]: This letter is in response to correspondence received by Residential Credit Solutions, Inc., ("RCS") for the loan referenced above on November 17, 2016 RCS has reviewed the recent correspondence from...

[redacted] that was submitted to the Revdex.com ("Revdex.com') on November 16, 2016. In the correspondence, Mr. [redacted] disputes the debt associated with the loan referenced above and requested a refund of $7,153.30 for funds paid by Mr. [redacted] on the loan. As a result of Mr. [redacted]'s correspondence, RCS conducted an audit of the account. On September 16, 1998, Key Bank USA, National Association (*Key Bank") originated the loan referenced above in the amount of $20,119.00. Pursuant to the terms of the Balloon Note (Note"), payments are due on the 210 of each month for 180 months with the initial installment due October 21, 1998 and the final installment due on the loan September 21, 2013. Any funds still owing as of the September 21, 2013 maturity date will be due and payable at that time under the Note. As stated In the Note, the original Lender may transfer the Note to a Note Holder. In the event that the Note is transferred, the Note holder Is entitled to receive payments under the Note. A copy of the Note and Security Deed are enclosed for reference. According to our records, the loan was transferred to RCS on September 5, 2012 from a prior servicer Quantum Servicing. A Notice of Assignment, Sale, or Transfer of Servicing Rights was issued on September 6, 2012 to inform Mr. [redacted] of the service transfer. Upon the September 5, 2012 service transfer, the account was current and next due for the October 21, 2012 monthly Installment. As of the September 2013 loan maturity date, there was an unpaid principal balance ("UPB*) on the loan of $14,156.10, which remained due and payable on the loan. On March 1, 2016, Mr. [redacted]'s account was service released Ditech Financial Services LLC ("Ditech"). A copy of the February 8, 2016, Notice of Servicing Transfer is enclosed for reference. According to our records, Mr. [redacted] previously provided RCS supporting documentation of a release of lien (*ROL') that was signed by Key Bank and recorded with Toombs County on November 3, 2015. Subsequently, RCS contacted Key Bank and the investor of the loan, GreenCo to confirm that an error occurred on November 3, 2015 when the ROL was recorded asKey Bank did not have authority to process a ROL on behalf of the investor as the debt was not paid in full.In order to correct this error, our Collateral Department is currently working with a vendor and the current servicer to prepare a Rescission of Cancellation of Security Deed filed by Key Bank. Please note that once the rescission document is recorded, a copy will be provided to Mr. [redacted] under separate cover.Although an error occurred by Key Bank processing a ROL, RCS has concluded that the debt transferred to Ditech on March 1, 2016 pursuant to the Note is valid and no additional errors have occurred on the loan. Therefore, RCS is unable to honor Mr. [redacted]'s request for compensation of funds paid on the account. For additional questions regarding this matter, Mr. [redacted] may contact our Customer Service Department at the contact information below or his current servicer by telephone at (800) 359-5953.If you have any questions and need to speak with someone at Residential Credit Solutions, Inc., please feel free to contact us toll free number at (866) 317-0012. Our Customer Service Department is available Monday — Friday from 8:00 AM and 5:00 PM Central Time. If you wish to submit a notice of error or request for information in accordance with the Real Estate Settlement Procedures Act and Regulation X, you must mail it to our Customer Relations Department at P.O. Box 163889, Fort Worth, Texas 76161-3889 or submit it via fax at (844) 576-2041. Please include the name of the borrower(s), the loan number, current contact information, and a clear description of the error that you believe occurred on the loan and/or the specific information that you are seeking.

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 me. 
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:  RCS has indicated in this and other responses that they consider the Foreclosure action as settlement of the debt and that they have no interest in additional settlement offers of the remaining balance by us. Therefore, we are requesting a legally recognized statement saying the debt is satisfactorily settled and a 1099-C should then be issued with an effective date prior to August 2016.
Regards,
[redacted]

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 me. 
Regards,
[redacted]

October 17, 2017Revdex.com[redacted]Austin, TX [redacted]Attn: [redacted]Re: Complaint ID: [redacted]RCS Loan Number: [redacted]Borrower Name(s): [redacted]Property Address: [redacted]Dear Ms. [redacted]:This letter is in response to the...

correspondence forwarded to Residential Credit Solutions! Inc.(RCS) by your office for the loan referenced above.This letter is to confirm that we are in receipt of the case number listed above and RCS iscurrently researching the loan and the complaint submitted. Please allow up to 10 calendar daysfrom the date we received the case number listed above for us to complete our research andrespond accordingly. We appreciate your patience and understanding in regards to this matterIf you should have any questions and need to speak with someone at RCS, please feel free tocontact us at correspondenceresidentialcredit.com. If you have questions and need to speakwith someone at Residential Credit Solutions, Inc., please contact us via our toll free number of[redacted]. Our Customer Service Department is available Monday — Friday from 9:00 am to12:00 pm and 1:00 pm to 3:00 pm Central Time. Please note that RCS stopped servicing yourloan more than one year ago, and therefore, in accordance with the Real Estate SettlementProcedures Act and Regulation X, it is no longer possible to submit a notice of error or request forinformation related to the time RCS was servicing your loan.Thank you,Customer RelationsResidential Credit Solutions, Inc.NOTICE: If you currently are under the protection of a bankruptcy court with respect tothis debt (or if the debt has been discharged in bankruptcy and has not been reaffirmed),this letter is for informational purposes only and is not an attempt to collect, recover, oroffset the debt and should not be considered to be a demand for payment or a notice ofpersonal liability. Please consult an attorney if you have any questions about your rightsunder bankruptcy law.RCS is a debt collector attempting to collect a debt. Any information obtained will be usedfor that purpose.[redacted] Residential Credit Solutions, Inc. - NMLS No.[redacted]Website: www.residentislcredit.com

This  letter  is in response to the correspondence  forwarded  to  Residential  Credit Solutions , Inc. (RCS) by your office for the loan referenced above.As stated in our previous response to above referenced complaint, the  check  issued  to Ameriprise in the amount of $735 .68 was returned unpaid due to a clerical error . Since the check was approved for payment , it reflected on our system as a paid item. Unfortunately , the check was not approved by the cutoff time and our bank rejected the check. Upon  receipt  of  the complaint forwarded by your office, we escalated the issue to our Accounting Department and funds were located and applied back to [redacted]'s escrow account on August 25, 2015 .RCS values our customers and strives to provide them with excellent customer service. We regret that we did not meet [redacted]'s expectation on this occasion . We sincerely apologize for any inconvenience this may have caused [redacted] .If you  have  questions  and  need  to  speak  with  someone  at  Residential  Credit  Solutions ,  Inc., please contact us at [redacted] . Our Customer  Service  Department  is available  Monday - Thursday  from  8:00 am to  7:00  pm, and Friday from 8:00 am to 5:00 pm, Central Standard Time. If you wish to submit a notice of error or request  for  information  in  accordance  with  the  Real  Estate  Settlement  Procedures  Act  and Regulation X, you must mail it to our Customer Relations Department at [redacted] 
[redacted] or submit it via fax to [redacted].   Please include the name of the borrower(s), the loan number , current contact information, and a clear description of the error that you believe occurred on the loan and/or the specific information that you are seeking .