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’ privacy As a result, we sent a detailed response directly to the borrower today, August 26, 2016, via UPS 2nd Day Air

[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’ privacyAs a result, we sent a detailed response directly to the borrower today, September 8,2015, via UPS 2nd Day AirWe believe we have addressed the concerns presentedWe will remain in contactwith you, as our designated Revdex.com representative, should the Bureau require any furtherinformation.If you have any further questions, you may contact me directly at [redacted] Sincerely,Sharron B***Consumer and Government AffairsSeterus, Inc

Please see attachedIssue has not been resolved ***SUPPORTING DOCUMENTS REDACTED BY Revdex.com***

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, August 24, 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

On behalf of Seterus, Inc., I am responding to your recent inquiries regarding the above-referenced cases 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 customer today, September 19, 2016, via UPS 2nd Day Air We believe we have addressed the concerns presented 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: what about the apology owed to me for the insult from your customer service manager who said he would "split the fee with me"? Do you realize how ridiculous that is? I hardly care about your $40, it's the insult that really bothers me - not to mention the lack of technology and notice that my payment would be missed because of my adjustment Even your customer service rep said she notified management that this was a recurring issue with your customers; yet, you fail to fix itSincerely, [redacted]

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, April 18, 2016, via UPS 2nd Day Air We believe we have addressed the concerns presented We will remain in contact with you, as our designated Revdex.com representative, should the Bureau require any further information

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, August 14, 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

[redacted] Please See Attached Documents [redacted] Dear [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, as the borrower has provided written authorization to provide your office withthis information, enclosed is a copy of our response mailed directly to the borrower today, November10, 2015,via [redacted] 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 theBureau require any further information.If you have any further questions, you may contact me directly at [redacted] .Sincerely,Damian G***Consumer and Government AffairsSeterus, Inc.Enclosure

Complaint: [redacted] I am rejecting this response because: Yes, the loan was modified with an effective date of 4/1/via Chase and yes, it was transferred to Seterus on 7/01/ And yes, we have received multiple Annual Notices Concerning PMI removal as shown in the attachment Seterus provided dated 8/19/ However, if you review the attached loan modification agreement as shared by Seterus (pages), nowhere in the attached Loan Modification Agreement does it state that the PMI removal requirements have also been modified nor what the new requirements were changed to If Seterus can direct us to exactly which documents spell out the “new” PMI removal requirements and where in those documents the “new” PMI removal requirements can be located, I would be happy to reconsider Otherwise, we would have to defer to the conditions as outlined in the letters provided by Seterus, similar to the one dated 8/19/13, for the 80% LTV consideration of which our property meets this qualification and will remove the PMI Since Seterus states they are unable to credit us the $for the appraisal which we paid in good faith realizing the property had an LTV of 72.94%, we now will only accept having the PMI removedTherefore, we are removing the option of having Seterus repay us the $appraisal fee as a form of considerationThank you very much for your assistance Sincerely, [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 meSincerely, [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, January 30, 2017, 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

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 meSincerely, [redacted]

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, June 28, 2016, via UPS 2nd Day Air We believe we have addressed the concerns presented We 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 sent a detailed response directly to the borrower today, July 28, 2015, viaUPS 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,Sharron B***Consumer and Government AffairsSeterus, Inc

Complaint: [redacted] I am rejecting this response:It is correct that we went through remodification on our home loan to lower the interest rate and our monthly paymentsHowever, that does not make it fair to increase the balance of the loan from $112,in to $149,in In 2009, when we put our home up for sale and the balance on the loan back then was around $100,Please let us know if you are able to help usWe would like to pay off the full balance of the loan but we feel that the current balance is not correct Sincerely, [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 Please note after we confirmed the desire to mediate through the Revdex.com, we received a phone call from Seterus telling us we had been approved for a mortgage modificationOur first payment is due May 1st, Thank you for keeping the complaint open all this time and for your assistanceIf there is anyway you can let [redacted] Bknow of the outcome, we would appreciate since she helped us with our situation At this point , we consider the issue resolved Sincerely, [redacted] ***

[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 sent a detailed response directly to the borrower today, August 24, 2015,via USPSWe believe we have addressed the concerns presentedWe will remain in contact with you, as ourdesignated Revdex.com representative, should the Bureau require any further information.If you have any further questions, you may contact me directly at [redacted] Sincerely,Eric K [redacted] Consumer and Government AffairsSeterus, Inc

I have read the response from MrDamian G [redacted] letter to the Revdex.com and he also sent a letter to me on 11/23/with a packet of information that I had already received from Seterus on numerous occasions and none of it helps with getting my Final Lean Release in the hands of my Ellsworth County Register of DeedsI spoke to MrG [redacted] personally 11/30/and I told him the information package provided does nothing to satisfy my concerns and bring this month complaint process to an endI explained to MrG [redacted] that Seterus provided some documents in my package that do not appear to have anything to do with my loan [redacted] as they contain County Clerk information from Kentucky on recording the Lien and I reside in Kansas and my Record of Deeds is in Ellsworth County Kansas and the Counties listed on some of the paperwork provided is Mercer County and Shelby County and I assume these are both in KentuckyAlso Seterus used a Third Party called Security Connections to mail out my Lien Release information they are located at [redacted] ***, Idaho Falls, ID attn: [redacted] PH: [redacted] From all appearances this third party hired by Seterus failed to complete my Lien Recording with the County of Ellsworth Kansas MrG [redacted] appeared to agree with me during the conversation and indicated he was going to track down the $check issued for the recording of the lien to see if it was ever cashedMrG [redacted] told me he would contact me again by Friday 12/4/to let me know what else he has found out MrG [redacted] told me he was sorry it had taken months for Seterus to complete this task and if it was his lien release he would be just as concerned about the lack of closure on this matter I have enclosed the Authorization For Release of Information for the Revdex.com to use with gaining whatever information you can from Seterus to bring closure to this matter Please let me know if you need anything else and I will be more than glad to provide it Sincerely, [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 our borrowers’ privacy As a result, we sent a detailed response directly to the borrower today, November 14, 2016, via UPS 2nd Day Air