Specialized Loan Servicing, LLC

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
Sincerely,
*** ***

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onDecember 10, and received by Specialized Loan Servicing LLC (“SLS”) on April 11, regardingpayments on the above-referenced mortgage account.Our records indicate that you filed a Chapter bankruptcy which was discharged on August 26, 2011.Although you have been discharged of the personal liability of the debt, the lien on the property stillremainsThe lien may be enforced if voluntary payments are not made; however there are no activeforeclosure proceedings at this timeSLS is obligated under federal bankruptcy law to comply with therequirements of the Automatic StayThis information is provided in response to your request and doesnot constitute a demand for paymentWe have enclosed a copy of the payment history along with thetransaction codes for your records.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking accountYou are able to contact our Customer Caredepartment at the number listed below to obtain information regarding your accountAdditionally, if youwould like to continue to make voluntary payments to the account to protect your interest in the property,you may use the following payment options:Pay online at www.SLS.net (for current loans)Pay over the phone by calling ***Pay by regular mail at *** *** *** *** ** ***Pay by overnight mail at *** *** *** *** *** *** *** ** ***Payment was rejected through e-billing due to the delinquency of the account (more than days pastdue)The account is paid through August, 2015.In researching your account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ** ***, Mondaythrough Friday, 8:a.muntil 5:p.mMT

Dear *** ** *** This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on June 29, regarding loss mitigation assistance on the above-referenced mortgage account We understand
that this mortgage loan account is included in the schedule of debts in a pending Chapter bankruptcy that was filed on May 22, 2015. SLS is obligated under federal bankruptcy law to comply with the requirements of the automatic stay. Accordingly, the information contained in this letter is for informational purposes and is not an attempt to collect a debt or impose personal liability with respect to any portion of the debt. SLS’ records indicate relief was granted on December 21, With regard to your concerns a review of SLS’ records indicates the letter dated December 28, advised that SLS was unable to offer you a Retention option at that time after an evaluation for foreclosure alternatives SLS received subsequent financial information and conducted a review of your financial information for loss mitigation options. The enclosed letter dated June 14, advised that after evaluating you for mortgage relief options SLS was unable to offer you a Retention option at that time. Please refer to the enclosed document for further information regarding the options you were evaluated for and the results of each SLS received financial information on June 21, 2017. The letters date June and July 10, advised of the documents SLS is missing in order to review your account. Please refer to the enclosed July 10, letter for further information regarding the missing documents Your correspondence indicates a name other than that which is in SLS’ records. If you wish to change your name in our records, SLS requires a copy of your government issued photo identification indicating the name change along with legal documentation (divorce decree, marriage license, other legal name change form) issuing the name change. Upon receipt of these items, we can update your account We have researched your account and our records indicate that the loss mitigation activity described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below If you have any questions regarding this information, please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

Initial Business Response /* (1000, 6, 2015/08/17) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 7, and received by Specialized Loan Servicing LLC ("SLS") on August 10, regarding a fee on the above-referenced mortgage account
This account service transferred to SLS on February 7, After review of your account, we have waived the $Western Union Convenience Fee ("WUCF") for the May 25, paymentWe have posted this fee to the principal account balance on June 19, We have enclosed a copy of our payment history for this account along with the transactions codes
SLS does waive the Western Union Convenience Fee ("WUCF") in newly boarded accounts when the total amount due is being paid, in certain situationsBorrowers may qualify for this waiver provided the Western Union Speed pay transaction is set to take place within calendar days of the effective date of transferThe WUCF can be avoided using our automated telephone system or website, provided the payment is arranged before the due date, or up to days past the due date, otherwise there is a charge of $for WUCF at the time an automated phone payment or payment via our website is completed
In compliance with the laws set forth by the state of North Carolina, enclosed is the following information:
This account is currently due for the August 25, payment in the amount of $
The current principal balance due is in the amount of $16,
There is no balance being held in the suspense account
There is no balance in the escrow account
Note holder contact information:
E*Trade Bank
North Glebe Road, 14th Flr
Arlington, VA XXXXX
Enclosed is a copy of your signed Note as well as your payment history for the above referenced loan
SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X- XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

Dear *** *** and *** ***, This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") and received by Specialized Loan Servicing LLC ("SLS") on February 9, regarding the payoff statement for the above-referenced mortgage account (the
"account")Your dispute references concerns regarding the escrow and the total amount required in order to satisfy the accountWith regard to your concerns, SLS’ records indicate SLS sent a payoff statement dated February 14, indicating the following: ? Principal Balance $197,749.59; ? Interest Calculated to March 16, $953.48; ? Private Mortgage Insurance ("PMI") Premium Calculated to March 16, $189.90; ? Escrow/Impound Credit Balance -$3,216.02; ? Total Amount Due $195,SLS has confirmed the above balances as accurateThe February 14, payoff statement advised the following: Any remaining escrow funds will be mailed business days after payoff to the borrower at the address provided by the remitter of the payoff fundsSLS provides payoff statements indicating the total of all applicable balances on the account, including the Escrow Credit or Advance balancesIn order to satisfy the account without the application of the Escrow Credit Balance, the Total Amount Due without the Escrow Credit Balance is requiredYour dispute raises concerns regarding your refinanceSLS is not a financial institution and we do not have any involvement whatsoever with the potential refinancing of the loanWe have researched your account and our records indicate that the servicing activity described in your dispute was not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number belowIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on December 15, and received by Specialized Loan Servicing LLC ("SLS") December 15, regarding credit reporting for the above referenced mortgage accountSLS is a third party servicer, contracted
by the investor to service this loan per the terms of the original loan documentsThis account service transferred to SLS on October 1, 2015, the boarding process can take to days to completeWhen a loan transfer occurs, SLS holds all credit reporting for the month in which the transfer occurs, as well as two (2) additional months to allow for the resolution of interim payment issues associated with the transferWhen a loan dispute or inquiry is received by SLS, we place coding on the account to withhold all credit reporting during the time the matter is being researched and a written response is being createdHowever, at the time the response letter is sent, coding on the account returns to its reporting statusYour payments are due on the first of the month and you are allotted a 15-day grace period before a late fee is assessedThis account is currently showing due for the January 1, payment in the amount of $1,We have conducted a review and have not discovered any inaccuracies in the information we have reported to the credit bureausOur records indicate that there were several payments that were received and applied over 30+ days from the due dateAccordingly, these payments were reported to the credit reporting agencies as over days delinquentOur records reflect the January and February 1, payments were not received until March 4, The March 1, payment was not recievied until April 1, This is in accordance with the Fair Credit Reporting Act ("FCRA"), SLS is required to report payments accurately as they were received; therefore credit cannot be corrected to the credit bureaus as a courtesyPlease see the attached copy of your payment history from the time of the transfer of your loanIf you have a specific dispute regarding the credit reporting information we have reported, please send us a signed letter detailing your dispute along with an unmarked copy of your entire credit report(s) as supplied to you by *** *** ** *** We have researched your account and our records indicate that the credit reporting described in your dispute was not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number belowIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on July 24, and received by Specialized Loan Servicing LLC ("SLS") on July 24, regarding application of payments on the above-referenced second mortgage accountThe prior servicer’s payment
history reflects that you were making weekly partial mortgage payments totaling a full monthly contractual obligationAfter this account service-transferred to SLS on January 18, 2017, our records reflect on January 26, we received $from your prior servicer that was drafted from your account on January 20, These funds were used to satisfy the December 17, contractual obligationOn January 31, we received $from your prior servicer that was drafted from your account on January 27, These funds were used to satisfy your January 17, contractual monthly paymentNo payment was made in March, On April 17, 2017, the account was brought current for March and April, Partial payments were applied as they were received, with the balance of the payment indicatedThe next partial payment received was applied to the shortageDepending on the status of the account at the time the bill was generated, the account may have reflected amounts owing from prior partial paymentsThe balance of the payment for July, is $Payment due by August 17, is $211.15, and no late payment fees have been assessedIn order to avoid confusion in the future, we recommend paying the full amount due each monthWe have enclosed a copy of your prior servicer’s payment history along with the SLS payment history with our transaction codes for your review and recordsWe have researched your account and our records indicate that the payment applications described in your dispute were not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your referenceIf you have any questions regarding this information, please contact Customer Care toll free at *** ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT

Complaint: ***
I am rejecting this response because: The response is not satisfactory until I know that next months payment, as well as future payments, will be applied correctly. I will follow the steps suggested by Specialized Loan Servicing in order to remedy this problem, but at this time I have no idea if it will. My future payment due January 1, will reflect whether this new process corrects the ongoing problem we have had with them And will hopefully be suggestive of how future payments will be applied. I am hopeful that it will.*** ***

Dear *** ** ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on August 21, and received by Specialized Loan Servicing LLC (“SLS”) on August 23, regarding credit reporting and payment application on the above-referenced
mortgage account With regard to your concerns, a review of SLS’ records indicates the enclosed letter dated October 10, advised that the servicing of your Mortgage Loan was transferred, effective October 1, 2016. You were notified that after that date SLS would be collecting your mortgage loan payments from you. No other terms of your Note or Mortgage would change After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accurately. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they were received. As a result, we are unable to accommodate your request to change that reporting as a courtesyEnclosed is a transaction history with payment codes for your review. A summary of the payments received more than days after the contractual due date is below: Date Contractual Monthly Payment Satisfied November 17, October December 15, November February 7, December February 13, January March 10, February On March 17, SLS advanced funds on your behalf to complete a partial payment received in order that your payment for March would report timely With regard to your concerns about adverse credit reporting as a result of post-transfer payment application, please be advised that during the initial days following servicing transfer of the account, SLS will not assess late fees or report late payment information to the credit reporting bureaus. Therefore, the account was reported as delinquent for the months of January and February SLS has confirmed the application of payments and the subsequent assessment of late fees and other charges to be accurate; therefore SLS is unable to accommodate your request to credit fees back to your account SLS assesses property inspections and other fees in accordance with your loan documents. SLS' records indicate property inspection fees were waived on April 14, 2017. Please refer to the documents provided at the loan's origination for further information regarding the assessment of property inspection fees and other charges? We have researched your account and our records indicate that the servicing activity described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference If you have any questions regarding this information, please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

We are writing in response to a dispute that you filed with the Consumer Financial Protection Bureau(“CFPB”) and the Denver Revdex.com (“Revdex.com”) with regard to the servicing of the abovereferenced mortgage loanWe understand that by filing a dispute with the CFPB, you have authorized usto
upload a copy of our response to the CFPB websiteWe further understand that you are requestingthe CFPB and Revdex.com to assist you regarding the increase in the escrow account.Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicerThe servicing of themortgage account transferred to SLS on February 16, At that time, the account was due for theFebruary 1, contractual monthly paymentThe account is currently due for the January 1, 2017contractual monthly payment.When this account service transferred, the escrow account balance was $As indicated by yourprior servicer, this account was escrowed for private mortgage insurance with a monthly amount of$47.85, plus taxes in the monthly amount of $for a total escrow payment of $194.80.On September 26, we ran the enclosed escrow analysis and determined an escrow shortage of $-1,An escrow shortage is created when the anticipated escrow balance at the time of the escrowanalysis is less than the estimated required balanceWe must collect enough to establish the requiredbalanceBy law, SLS is permitted to collect up to two (2) months of escrow funds as a cushion for youraccountIn this case, the cushion is $The cushion increased your escrow cost determined by theescrow analysis completed on February 25, from $to $358.30, which is a difference of$218.10.The escrow shortage on this account was approved to be spread over monthsThe new escrowpayment will begin on November 1, The new escrow amount is $($regular escrowamount plus +$shortage repayment)There have been no inaccuracies found in the recent escrowanalysisThe payment amount is correct based on the projected disbursements and the starting balance.The total monthly mortgage payment increased from $to $for the November 1, 2016contractual obligation due to the escrow shortage and escrow cushion described aboveAccording to ourrecords this account is currently due for January 1, with a monthly payment in the amount of$The escrow balance as of the date of this letter is $We have enclosed the escrowanalysis and SLS payment history with our transaction codes for your records.We trust that we have responded to your concernsIf you have any questions regarding this information,please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:00p.mMT

Dear *** *** ***, Jr., This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 25, and received by Specialized Loan Servicing LLC (“SLS”) on November 27, regarding payment for the above-referenced mortgage account
SLS’ records indicate the enclosed letter dated November 20, addressed your concerns as follows: Your Note and Mortgage/Deed of Trust (copies enclosed) contain no provision which allows you to repay your loan by any other means other than payments as described in your promissory NotePayments by personal check, Money order, cashier’s check or Western Union Quick Collect are accepted Your correspondence requests that SLS close the account, refund all your money and forward all of your closing documents. SLS’ records indicate balances remain and are due and payable to SLS. Accordingly, SLS is unable to accommodate your request to release the lien SLS’ position has not changed. SLS’ records indicate you signed the enclosed loan modification agreement on November 29, 2017. SLS’ records do not indicate the receipt of the first modified payment. Due to the numerous returned payments outline in the enclosed previous correspondence, certified funds are required If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

Complaint: ***
I am rejecting this response because:- SLS admits to the fact that they do not display the name of the co-borrower on the paperwork with which they collect the mortgage, and refuses to revise this policyYet they do not give a valid reason for which a second name cannot be displayed.- There are no promises of (i) improving their electronic messaging system; or (ii) improving their personnel's familiarity with the limitations of their system.That is, none of the improvements I hoped for, will materializeThis is not the answer that makes me feel goodThe case may obviously be closed, but I will keep believing that the 'grade' that Revdex.com gives to this firm is unjustifiably inflated
Sincerely,
*** ***

Dear *** ***, This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on March 26, regarding the above-referenced account SLS previously responded to your concerns with the letter dated March 26, 2018. SLS is unable to comment further on your concerns regarding the servicing of the account with the prior servicer. The prior servicer is the appropriate party to direct concerns to regarding the servicing of the account by the prior servicer We have researched your account and our records indicate that the servicing activity described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a rebuttal for the complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on June 6, and received by Specialized Loan Servicing LLC (“SLS”) July 12, regarding credit reporting for the above referenced mortgage account.Our records indicate
that we have previously responded to similar requests for credit reporting on June 15and June 27, We have enclosed these letters for your records.Your account service transferred to SLS on June 1, and we do not report delinquencies in themonth of transfer plus two months afterwardsYour account was paid in full and closed on July 9, 2015.Our records reflect a payment was received over days after the due date that caused a negativepayment rating, but there were no negative payments or late payments reported to the credit bureaus asdelinquentThere is no information for SLS to update or send to the credit bureaus.If you have documentation with an unmarked copy of your entire credit report(s) supplied to you by***, *** or *** for SLS to review reflecting credit reporting issues, please send us thisinformation and we will further review your request, otherwise we consider this matter resolved andclosed.In researching your account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at 1-800-***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMT

Dear *** D*** and *** L***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on November 29, regarding the modification and application of payments to the remaining balance
on the above-referenced mortgage account SLS’ records indicate the enclosed letter dated June 22, advised you were approved for the Standard Trial to Modification Program. Please see the enclosed documentation for the terms of the offer. As set forth in Section 2.Dof the enclosed Trial Period Plan: SLS will hold the payments received during the Trial Period in a non-interest bearing account until they total an amount that is enough to pay your oldest delinquent monthly payment on your loan in full. I understand SLS will not pay me interest on the amounts held in the account. If there is any remaining money after such payment is applied, such remaining funds will be held by SLS and not posted to my account until they total an amount that is enough to pay the next oldest delinquent monthly payment in full Please note that except for your monthly mortgage payment amount during the trial period, the terms of your existing note and all mortgage requirements remain in effect and unchanged during the trial period. The Trial Period Plan set forth trial period payments in the amount of $due by August 1, September and October 1, SLS’ records indicate the following application of payments; “Contractual monthly payments” are those due in accordance with your unmodified loan documents, while “trial period payments” are those due in accordance with the Trial Period Plan, prior to final modification of the account: On June 27, SLS received your payment in the amount of $883.77, which was applied to the July 1, contractual monthly payment and satisfied the August 1, trial period payment;On July 20, SLS received your payment in the amount of $600.80, which satisfied the September 1, trial period payment. As the funds were not sufficient to satisfy August 1, contractual monthly payment, the payment was held in a non-interest bearing (“suspense”) account in accordance with the above terms;On August 15, SLS received your payment in the amount of $600.80, which satisfied the final October 1, trial period payment. This payment was combined with the above July 20, funds in the amount of $600.80, for a total of $1,201.60; $was applied to the August 1, contractual monthly payment and the remaining $was applied to the unpaid principal balance (“curtailment”) because the account was contractually current; The enclosed letter dated September 8, provided the final modification terms. On October 2, SLS received your payment in the amount of $1,449.71; $was applied to the September 1, contractual monthly payment and $was held in the suspense account. On September 29, during a phone call you advised the SLS representative that you did not intend to accept the final modification agreement On October 11, during a phone call the SLS representative advised you of the $held in the suspense account. While confirming the application of your payments, the call was disconnected. On October 24, SLS received your payment in the amount of $883.77; $was applied to the October 1, contractual monthly payment and the $in the suspense account was applied as curtailment On November 30, SLS received your payment in the amount of $which was applied to the November 1, contractual monthly payment Your dispute alleges SLS has misapplied your mortgage payments, or SLS has not applied your mortgage payments to your remaining mortgage balance. As noted above, your mortgage payments were applied in accordance with the terms of the Trial Period Plan and your unmodified loan documents Your dispute alleges SLS did not apply the two-month shortage you paid. Respectfully, SLS’ records indicate the September 28, funds in the amount of $1,were applied to the contractual monthly payment and the unpaid principal balance On December 12, SLS reversed the August 15, curtailment and all subsequent paymentsThese funds were reapplied to the contractual monthly payments, satisfying the account through December, 2017. After the adjustment, your account indicates the following applications of payments: Transaction Date Transaction Amount Contractual Due Paid Contractual Next Due Payment Suspense Account Balance June 27, $July 1, August 1, $July 20, $N/A August 1, $August 15, $August 1, September 1, $September 28, $1,September 1, and October 1, November 1, $October 24, $November 1, December 1, $November 30, $December 1, January 1, $ SLS’ records indicate the account is currently due for the January 1, contractual monthly payment in the amount of $ We have researched your account, and our records indicate that the application of payments described in your dispute was not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your reference As part of the loss mitigation process, our records reflect that Norma (Teller ID #31001) has been assigned as your Single Point of Contact ("SPOC"). She is available to discuss possible options and any questions you may have concerning the financial information package or the review process, including appeal. We encourage you to contact the Customer Resolution Department by calling ###-###-#### Monday through Friday 6:a.mto 9:p.m(MST) or Saturday 6:a.mto 12:p.m(MST)SLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onApril 9, and received by Specialized Loan Servicing LLC (“SLS”) on May 9, the interest rate onthe above referenced second mortgage account.Our records indicate that we have previously
responded to a similar request regarding the overpaymentof interest on April 22, We have enclosed this letter for your records.The interest payment rate is 4%On April 22, we have reversed and reapplied the payments forJanuary, February, March, and April This account is contractually due for May 20, 2016.In researching this account, we have found no errorsYour client has the right to request the documentsrelied upon in reaching this determination by contacting us at the number below, but please note that SLShas already enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMT

Initial Business Response /* (1000, 7, 2015/11/24) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 12, and received by Specialized Loan Servicing LLC ("SLS") on November 13, regarding the loan modification for the
above-referenced mortgage account
According to our records, on October 16, letter you were approved for a Standard Trial to Modification ProgramYou are not required to accept any modification you feel is not beneficial to youYou may decline this offer in writing or verbally if you decide not to accept this offerThe offer may be automatically cancelled if you do not remit the first trial payment within the necessary time-frameWe must work within the parameters of your investor's guidelines and the guidelines of any available programs; we may not be able to offer a lower payment or lower interest rate or extend the maturity date
Underwriting used the average of the year to date income listed on your paystubs provided to calculate your incomeThe average monthly income used was $6,
If you had a change in circumstance in your income or expenses, you will need to complete a new financial package; however, we cannot guarantee the outcome will yield better resultsYou may wish to call our representatives at the telephone listed below before completing another financial package in order to be sure that this would be the best option for you at this timeWe have enclosed a financial package for your convenience
In compliance with the laws set forth by the state of ***, included is the following information:
This account is currently due for the November 1, payment in the amount of $2,and each payment that has become due thereafter
The current principal balance due is in the amount of $330,This is not a payoff quote
There are currently no funds being held in suspense account
The escrow balance as of today is $-46,There is an escrow shortage
Note holder contact information:
***
SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS
In researching your account, we have found no errorsYou have the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above
If you have any questions regarding this information, please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Single Point of Contact (SPOC), *** (Teller ID: ***) by calling ***Financial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: ***, Fax: ***, Email: ***Please include the ten-digit loan number on all correspondence

This letter is in response to a rebuttal for the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 11, and received by Specialized Loan Servicing LLC (“SLS”) on August 2, regarding a payments and fees on the above-referenced mortgage account.Our records indicate that we have previously responded to similar requests regarding fees on July 19,July 27, and August 1, We have enclosed these letters for your records.Your payments are due on the first of each month with a grace period of days, not daysWe do notcharge late fees if the payment is received within the day grace periodThere is no fee if you enroll inour Automated Clearing House (“ACH”) payment program with SLS for your monthly payments as long as your account is currentThe on-line payment option does not assess a fee for any payment prior to thedue date and up to four (4) days after the due date provided the account is currentAfter that time theWestern Union convenience fee of $will applyWe cannot change the company guidelines orprocesses for this feeThis account is contractually due for the July 1, payment in the amount of$2,We have enclosed a copy of the payment history with our transaction codes for your reviewand records.In researching your account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ** ***, Mondaythrough Friday, 8:a.muntil 5:p.mMT

Specialized Loan Servicing LLC ("SLS") has received your dispute on November 21, on the above-referenced mortgage accountYour Qualified Written Request ("QWR") is currently under review for the following reason: ? Additional research is required regarding the prior servicer’s payment
history at the time of the service transferWe realize the urgency of your inquiry and we appreciate your patienceWe will have a response issued to you within the next business daysWe understand the account was included in a Chapter bankruptcy that was discharged on January 13, SLS is obligated under federal bankruptcy law to comply with the requirements of the mandatory discharge injunctionAccordingly, the information contained in this letter is for informational purposes and is not an attempt to collect a debt or impose personal liability with respect to any portion of the debt that may be dischargedIf you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a rebuttal with the original complaint filed with the Denver Revdex.com ("Revdex.com") on November 22, and received by Specialized Loan Servicing LLC ("SLS") on December 8, regarding loss draft funds on the above referenced mortgage accountAccording to our records, you have filed a similar request with the Consumer Financial Protection Bureau ("CFPB") that was received on November 21, This written request was addressed with the CFPB complaint dated December 14, We have enclosed the response for your recordsWe have researched your account and our records indicate that the loss draft issue described in your dispute was not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your referenceIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers