Residential Credit Solutions

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 abovePlease be advised that the most recent correspondence is substantially similar to correspondence RCS initially received on January 12, and responded to on January 19, We have enclosed a copy of this response for reference.As stated in our January 19, response, RCS conducted a thorough review of the account in response to [redacted] complaintAs 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, to notify us of a house fire; however, the call was not properly transferred to our Loss Draft DepartmentSubsequently, our Loss Draft Department was not aware of the fire damage until September 17, 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 processSubsequently, an information package was requested to be sent to [redacted] ; however, due to a system error , the package was delayed until September 28, at which time we were notified [redacted] had not received the initial paperwork.On October 7, , [redacted] was advised that insurance proceeds were received on the loan and additional information was requested to proceed with a loss draft claimAs of October 7, 2015, our Loss Draft Department requested an insurance estimate, a bid on repairs needed, a signed WForm, and a signed procedure letter, which was faxed to [redacted] at [redacted] on October 7, 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,and $10,Likewise, three disbursements have been made to [redacted] in the amount of $15,054.32, $3,639.31, and $18,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 serviceTherefore, we would like to sincerely apologize for any delays we may have caused in the Loss Draft processAdditionally, 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:AM and 7:PM, and Friday from 8:AM and 5:PM, Central 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 163889, Fort Worth, Texas 76161-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 theloan and/or the specific information that you are seeking

See attached response Dear [redacted] ***.This letter is in response to correspondence received by Residential Credit Solutions, Inc("RCS") for the loan referenced above on January 7, 2017.RCS received the inquiry filed by [redacted] regarding the credit bureau reporting on the above reference loanPlease be advised that Ms***'s most recent correspondence is substantially similar to correspondence RCS initially received on September 7, and responded on September 15, We have enclosed a copy of this response for your reference.Please be advised that RCS last reported this account to the four major credit bureau agencies, Experian, Equifax, TransUnion, and Innovis for the month of February 16, correctly as detailed in our September 15, response.Please note that RCS did not receive any payments on the account during the time we serviced the loanOur research reflects that RCS has reported payment information for this account accurately to the credit bureaus and no error occurredPlease be advised that based on the Fair Credit Reporting Act ("FCRA"), RCS has an obligation and duty to provide accurate information to the credit bureausFor your reference, RCS reports historical payment information to the credit bureaus on a monthly basis.RCS has concluded that our most recent reporting of plus days delinquent is accurate: therefore, we are unable to comply with Ms***'s request to modify our reporting.Ms [redacted] stated that RCS failed to complete a loan modification in April and denied options along with the short sale reviewAs stated on September 15, 2016, Ms [redacted] was evaluated for a short sale consideration in November upon receipt of a complete financial package, sales contract and estimated closing statementUnfortunately, our Loss Mitigation Department was unable to negotiate approved terms of a short sale transaction due to subordinate tax liens on the title of the propertyPlease reference to the non-approval notice issued on November 2, 2015.We have enclosed a copy of the payment history for the time the loan has been serviced by RCS for your referenceThis document provides detailed information with respect to the accrual and application of principal and interest as well as property tax and insurance payments and corporate advances as applicable.Ms [redacted] requested retribution for the Consumer Financial Protection Bureau ("CFPB") settlement that occurred on July However, our records do not reflect Ms***'s account was included in settlement funds as we have determined no servicing error occurred on the loan.Please note that the account was service released on February 16, to a new servicer, Ditech Financial Services ("Ditech")Therefore, we kindly request that Ms [redacted] contact the new servicer regarding any other issue you may have.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-Our Customer Service Department is available Monday — Friday from 8:AM and 5:PM Central 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 163889, Fort Worth, Texas 76161-or submit it via fax at (844) 576-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

Complaint: [redacted] I am rejecting this response because:The company don't do anything but lie, never talkded to Key Bank 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[redacted] verbally confirmed having received authorization from [redacted] ***, in the form of a faxI was told that it was now on file that I have authorization to speak with RCSYet another discrepancy from an unorganized company 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 usTherefore, 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 Regards, [redacted]

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, for the loan referenced above.The servicing of this loan was transferred from RCS to another servicer, Bank of America, onMarch 16, 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 loanBecause 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:am to 12:pm and 1:pm to 3: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 Xit 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 SolutonsInc[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 liabilityPlease consult an attorney if youhave any questions about your rights under bankruptcy law.Residential Credit Solutions, Incis a debt collector attempting to collect a debtAnyinformation obtained will be used for that purpose

RCS SOLD OUT TO DITECH AND FAILED TO COMPLETE MODIIFICATION IN APRIL AND DENIED OPTIONS AND THEN DENIED SHORT SALE ON 02/10/

Please see attached responseThis letter is in response to correspondence received by Residential Credit Solutions, Inc("RCS") on January 18, for the loan referenced above.In reference to the recent complaint filed with the Revdex.com and referenced above, RCS conducted research on the servicing of Mr [redacted] 's accountThe results of our findings indicate that as the result of the delinquent status of Mr [redacted] 's account, foreclosure proceedings occurred on June 30, In accordance to state regulation, the redemption period following the foreclosure proceedings expired on August 20, 2015.For reference, RCS last reported this account to the four major credit bureau agencies, Experian, Equifax, TransUnion, and Innovis for the month of August and reported the following information:Account Status: Foreclosure Proceedings, (+) Days DelinquentOriginal loan amount: $660,800.00Current balance: $779,067.00Amount Past Due: $165,985.00Date opened: September 22, 2006RCS has determined that no error occurred in the last reported information to all four credit agencies as referenced abovePlease be advised that based on the Fair Credit Reporting Act ("FCRA"), RCS has an obligation and duty to provide accurate information to the credit bureausThis also includes the remaining balance due on the loanAlthough RCS will not attempt to collect this debt, the balance will remain on Mrand Mrs [redacted] 's credit file for the appropriate time established by law.In the recent complaint filed by Mr [redacted] , he references a credit update issued by RCS in October reflecting inaccurate informationAccording to our records, RCS has received and responded to numerous credit bureau disputes on Mr [redacted] 's account since the final August reportingUpon receiving a complaint from a credit bureau agency, RCS is required to research the complaint and validate the account information accordinglyIn the event that an update was made to Mr [redacted] 's account by a credit reporting agency, we kindly request that Mr [redacted] contact that agency accordingly as we have no bearing over what updates a credit reporting agency may report other than the data we provided in our August final report.With regards to Mr [redacted] being unable to contact our office, please note that the number referenced on our website, (866) 317-0012, is our current contact numberWe have representatives available to speak with Mrand Mrs [redacted] , Monday — Friday at the times provided belowIf by chance no one is available, we request that Mrand Mrs [redacted] leave a contact number on our voicemail and their call will be returned within hours.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-Our Customer Service Department is available Monday — Friday from 8:AM and 5:PM Central 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 163889, Fort Worth, Texas 76161-or submit it via fax at (844) 576-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.RCS received a rebuttal inquiry from your office regarding [redacted] ***'s Bankruptcy Chapter case number [redacted] on the above reference loanAfter researching the account, it was determined that the account was deemed to be brought current with the next due date of October 1' .RCS is in the process of posting contractual payments of $each to bring the account current from April 1, to September 1, with the next date of October 1, RCS will be waiving the $property inspection fee along with the $NOR/Breach fees that were assessed to the account on September 5, 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, in the amount of $Please disregard the Notice of Default that was generated on September 14, In regards to the billing statements on the accountThe 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:PM, Friday between the hoursof 8:AM and 5:PM, Central Standard Time

How in the world can you give this company stars? This is the most predatory loan servicing company you can imagine Due to fraudulent accounting practices they attempted to increase my escrow amount three times The third time they had worn me down and I didn't fight it They have since sold my loan but did not transfer all the escrow funds I have paid They have not accounted for all of the money I have paid and have stolen my money There is no recourse against these crooks CFPB did take action in but the company continues to defraud consumers

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: 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, RCS has reviewed the recent correspondence from [redacted] that was submitted to the Revdex.com ("Revdex.com') on November 16, In the correspondence, Mr [redacted] disputes the debt associated with the loan referenced above and requested a refund of $7,for funds paid by Mr [redacted] on the loanAs a result of Mr [redacted] 's correspondence, RCS conducted an audit of the accountOn September 16, 1998, Key Bank USA, National Association (*Key Bank") originated the loan referenced above in the amount of $20,Pursuant to the terms of the Balloon Note (Note"), payments are due on the of each month for months with the initial installment due October 21, and the final installment due on the loan September 21, Any funds still owing as of the September 21, maturity date will be due and payable at that time under the NoteAs stated In the Note, the original Lender may transfer the Note to a Note HolderIn the event that the Note is transferred, the Note holder Is entitled to receive payments under the NoteA copy of the Note and Security Deed are enclosed for referenceAccording to our records, the loan was transferred to RCS on September 5, from a prior servicer Quantum ServicingA Notice of Assignment, Sale, or Transfer of Servicing Rights was issued on September 6, to inform Mr [redacted] of the service transferUpon the September 5, service transfer, the account was current and next due for the October 21, monthly InstallmentAs of the September loan maturity date, there was an unpaid principal balance ("UPB*) on the loan of $14,156.10, which remained due and payable on the loanOn 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 referenceAccording 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, Subsequently, RCS contacted Key Bank and the investor of the loan, GreenCo to confirm that an error occurred on November 3, 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 BankPlease 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, pursuant to the Note is valid and no additional errors have occurred on the loanTherefore, RCS is unable to honor Mr [redacted] 's request for compensation of funds paid on the accountFor 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-Our Customer Service Department is available Monday — Friday from 8:AM and 5:PM Central 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 163889, Fort Worth, Texas 76161-or submit it via fax at (844) 576-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 correspondence received by Residential Credit Solutions, Inc("RCS") on March 25, for the loan referenced above.RCS has received recent correspondence from your entity regarding a complaint filed by *** [redacted] regarding a payment sent to RCS for the March 1, monthly installmentPlease 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, notice, RCS stopped accepting payments received on the account after February , Subsequently, on March 29, 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 days from the loan transfer date, an account will not have any late charges assess and will not be reported to the credit bureausTherefore, [redacted] is protected under RESPA until May 1, 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 on any active RCS accounts Although the payment [redacted] sent to RCS in March 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 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:AM and 5: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.OBox 163889, Fort Worth, Texas 76161-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

On 6/Bank of America sold my mortgage loan to RCSI have $surplus money ( I paid extra money to B of A in 5+ years)So I have my lawyer wrote a letter to RCS demand the money back.RCS never gave the right answer then on 2/RCS sold my loan to Ditech and never let Ditech know about the surplus money.Also RCS send I lot of FRAUD paperwork none of the number is correctedI do not believed in AMERICA a company like this can exist and the government can not do anything about itAll the papers RCS send it to me just like they can made up anything they want If anybody know about "BERNARD MADOFF FRAUD" please stop this RCS companyRCS is going to be one of the BIGGEST FRAUD company Even on the tax form my mortgage interest is $RCS put down $I think this TAX FRAUD I will report this to IRS in TEXAS So RCS stole my $.I want to sue RCS but will cost I money to sue RCS RCS had many complaints in the years got fine but RCS did not stop until put them all in JAILED PLEASE DO NOT DO BUSINESS WITH RCS I DO NOT CARE about the $$$ but I know RCS can do more FRAUD and more harm for AMERICAN TO RCS : my account is **SSN**