Seterus

On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacyAs a result, we sent a detailed response directly to the borrower today, June 30, 2016, via UPS 2nd Day AirWe believe we have addressed the concerns presentedWe will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information

[redacted] Please See Attached Documents [redacted] Dear Ms [redacted] :On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case.It is our policy to not publicly disclose borrower specific personal information or circumstances to protect ourborrowers’ privacyHowever, we will be sending a detailed response directly to the borrowerSeterusreceived correspondence directly from the borrower for similar concernsWe believe we have addressed theconcerns presentedWe will remain in contact with you, as our designated Revdex.comrepresentative, should the Bureau require any further information.If you have any further questions, you may contact me directly at [redacted] Sincerely,Walter M [redacted] Consumer and Government AffairsSeterus, Inc

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy However, as the borrower has now provided written authorization to provide your office with this information, enclosed is a copy of our response mailed to the borrower on July 11, 2016, via UPS 2Day Delivery We believe we addressed the concerns presented The enclosed information is for your internal use only and is not to be publically posted We will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information

Complaint: [redacted] I am rejecting this response because: I am rejecting the response from Seterus as there is no clear explanation for the increase The company’s response was to print up escrow statements and send them with a form on how to read them I know how to read them and have them in my records I am also aware that California state law allows them to keep up to 1/of total disbursements in escrow However, including the 1/the numbers still do not add up(Interestingly, when I spoke to management he said the 1/rule was not applied in my case) I have had prior mortgages and this was never an issue if payment increased it was for the amount necessary either due to increase in taxes, insurance or both They also stated that I have to option to pay the shortage amount to avoid increase of escrow, which I will not do as the numbers do not add up to proposed increases Sincerely, [redacted] ***

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect ourborrowers’ privacy.However, as the borrower has provided written authorization to provide your office with this information,enclosed is a copy of our response mailed directly to the borrower today, March 7, 2017, via UPS 2DayDeliveryWe believe we have addressed the concerns presented.The enclosed information is for your internal use only and is not to be publically posted.We will remain in contact with you, as our designated Revdex.com representative, should theBureau require any further information

Dear Ms [redacted] : On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced caseIt is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacyHowever, we sent a detailed response directly to the borrower today, May 28, 2015, via [redacted] 2nd Day AirWe believe we have addressed the concerns presentedWe will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information If you have any further questions, you may contact me directly at [redacted] Sincerely, [redacted] Consumer and Government Affairs Seterus, Inc

On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy As a result, we sent a detailed response directly to the borrower today, October 31, 2016, via UPS 2nd Day Air

Complaint: [redacted] I am rejecting this response because: when I contact B of A, they didn't say I owe this $legal fee which they have already paid on my behalf If B of A paid this $and I am responsible for it, this $should show as balance due in my account, and B of A never said anything like that, nor can I see it from my ending statement with B of A in September 2015.I have consulted with a lawyer, but he said he has to charge me fees for him to fight for this charge, and his fees may exceed $which is not beneficial to me I really have no other options but I have to say again for the record, that dealing with Seterus has been a totally and complete nightmare for me since day I was doing fine with B of A after my modification and I have paid my bills on time and I have not had any issues with B of A Seterus may made me to pay for that $250.00, but it doesnt mean that I am gong to like it Its not just with this $250.00, but its for other poor customer service issues I have had dealing with Seterus since October 1, 2015.Sincerely, [redacted] ***

It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy However, as the borrower has provided written authorization to provide your office with this information, enclosed is a copy of our response mailed directly to the borrower today, December 20, 2016, via UPS 2Day DeliveryWe believe we have addressed the concerns presented The enclosed information is for your internal use only and is not to be publically posted We will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information

On behalf of Seterus, Inc., I am responding to your recent inquiry regarding the above-referenced case It is our policy to not publicly disclose borrower specific personal information or circumstances to protect our borrowers’ privacy As a result, we sent a detailed response directly to the borrower today, September 15, 2016, via UPS 2nd Day Air