Specialized Loan Servicing, LLC

Dear *** ** *** *** *** ** ***, This letter is in response to a dispute filed with the Denver Revdex.com (“Revdex.com”) on June 3, received by Specialized Loan Servicing LLC (“SLS”) on June 5, and in response to your email request dated and received on May 30,
regarding Automatic Clearing House (“ACH”) payments and refund for the above-referenced account SLS is a third-party servicer contracted by your investor to service the account by the terms of the Note and Deed of Trust. SLS does not own the loan. This account service-transferred to SLS on May 1, and at that time was due for the May 1, contractual obligation On May 8, we spoke to you and established ACH payments to be drawn on the 15th of each month, beginning on June 15, Our enclosed May 9, letter confirmed the details of the ACH enrollment. We understand you were concerned about the issue of late payments. On May 12, we received a check from you in the amount of $1,that was applied towards the May payment, with surplus funds of $17.13, applied as principal reduction. Post-transfer, a *** *** payment of $1,was drawn from your account on May 15, We understand that you were advised that your ACH payments would discontinue from your prior servicer; however this draft occurred and was inadvertently directed to SLS due to bank account information in the loan transfer file. This payment was applied to your June 1, contractual obligation As these funds were not to be deducted to your account until June 15, 2017, you contacted us on May 16, 2017, to request the ACH payment of $1,382.87and a $fee billed to your account be refundedIn order to process a refund, we required proof of payment, which you provided On May 22, 2017, we processed a refund check of $1,382.87, which was mailed on May 26, A copy of the correspondence sent with the check is enclosedOn May 24, 2017, we sent a separate check in the amount of $for bank fees charged On June 6, we contacted you to confirm that you received the refund check of $1,382.87, and you advised that you had received it the previous day. This account is due next for the June 1, contractual obligation, for which ACH was set up to draw $1,on June 15, We have enclosed the payment history along with the transaction codes for your records. We have confirmed this transaction was successfully completed per your ACH agreement We apologize for any inconvenience and frustration that you may have experienced regarding this matterSLS makes a concerted effort to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear you were unsatisfied with our servicing of your account. We have responded regarding the errors alleged on the account and the corrections made to the account, as applicableWe 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.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

There was no forced escrow in April Not one time did I receive a phone call. Here is my public note to any traveling consultants or business owners that are not checking their mailbox dailyIf you are unfortunate enough to end up with SLS you need to refinance or sell.I will say this once more to SLS.1) I've paid my homeowners insurance out of pocket since 2007.2) you sent statements with THREE different payments due on the same due date3) referencing point #2, in your last response you state that I owe in escrow approximately $monthlyThat total is almost a $ DIFFERENTCethan what you sent me by mail the last week on September 2016.My property taxes & homeowners insurance is about $2100/yr! How do I owe 419/mo to escrow? Even if we include homeowners insurance, how are you getting over $4500/yr? And as you know, I have NO problem sending a copy of it with the September date to you and the Revdex.com.
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Thank you for the assistance,I do accept the responsePlease let the sls know, I had called in regards to not receiving a bill for November, and I did not recieve one for DecemberIf I do not have the January bill, as I should, I will contact the government regulating agency.Thank you,***
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 complaint filed with the Denver Revdex.com ("Revdex.com") on October 31, and received by Specialized Loan Servicing LLC ("SLS") on October 31, regarding a loan modification for the above-referenced mortgage accountOur records indicate that we have
previously responded to similar requests regarding loss mitigation options and modification documents on October 27, and November 7, For your records, we have enclosed our most recent response dated November 7, Please note that you were approved for loss mitigation on January 19, This offer was later denied as we did not receive the payments needed to complete the trialOn July 6, you were denied for all loss mitigation options, as underwriting efforts determined that your housing expenses were affordable based on your incomeOn October 30, you were sent a letter indicating we had been unable to complete loss mitigation review due to missing documentsOur records reflect that we spoke to you on October 3, and advised that we required a profit-and-loss statement, recent bank statements, and your tax returnOn October 18, and October 30, 2017, we spoke with your authorized third party *** *** and advised of the documents needed in order to complete our review for loss mitigationOn October 30, we indicated that some of the documents sent previously had expired and that we required updated informationAt this time, we are unable to review your account to determine what programs, if any, you may qualify for until we are in receipt of a complete financial package with all supporting documentation and informationOn November 7, we received paystubs and bank statements; however, we still need a signed and dated profit-and-loss statement listing all income and expenses in order have a complete package to review for a loss mitigation optionThere are certain requirements which must be met before an account can be reviewed for loss mitigation assistanceWith regard to the loan modification process, we understand that the process can be frustrating at times and we have attempted to make the process as smooth and transparent as possibleSLS is committed to assisting borrowers who are experiencing a hardshipWe regret that you were dissatisfied with the loss mitigation processIt is unclear when you were advised that we did not offer a repayment planIn some cases, repayment may be an option; however, all offers are made at the discretion of your investor after a review is completedWe have researched your account and our records indicate the loan modification 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.mMT or TDD 1-800-268-9419, 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 1-800-306-Financial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: *** *** *** *** ** *** *** *** *** ***Please include the ten-digit loan number on all correspondence

Initial Business Response /* (1000, 6, 2015/08/19) */
Dear *** *** ***
This letter is in response to your client's case filed with the Denver Revdex.com ("Revdex.com") on August 6, and received by Specialized Loan Servicing LLC ("SLS") on August 10, regarding a loan
modification for the above-referenced mortgage account
Specialized Loan Servicing LLC ("SLS") is obligated under federal bankruptcy law to comply with the requirements of the automatic stayThis information is provided in response to your client's request and does not constitute a demand for payment
Our records show that your client's request for a loan modification was denied on July 15, Because the sale date was less than days from the date we received your client's requestCopies of these letters are enclosed for your review
Our records indicate that there is no longer a foreclosure sale date
If an offer is denied, we are unable to re-open it and must proceed with a new evaluation of the loan for a possible new loan modificationPlease note that there is no guarantee that your client will qualify for a loan modification or that a new review will yield the same or better termsIf your client wishes to be re-reviewed for a loan modification, please have your client complete the enclosed worksheet, and forward it to us along with any additional documentation required
Though requests for documentation may seem redundant, the investor may ask for current or more comprehensive financial information at any timeThis is in addition to information that may have appeared complete previouslyAdditionally, documents may be invalid due to their not being signed, or not being completed correctlyPlease do not ignore any requests for information
In researching your client's account, we have found no errorsYou have a 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 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
Initial Consumer Rebuttal /* (3000, 8, 2015/08/20) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The initial request for loan modification started 4/25/and continued submitting dozens of documents up until SLS rejected due to inside of the day window of foreclosureI have all emails I sent to SLS from 4/28/through 6/7/trying to get an answer, YES or NOA total of documents were sent during this periodAnd I repeat the reason for denial was that they waited until inside the day window for reviewing and requesting more documents and there was the justification for denial
Final Consumer Response /* (4200, 22, 2015/09/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There is copies of letters enclosed as stated
Final Business Response /* (4000, 24, 2015/10/05) */
Dear *** *** ***
This letter is in response to your client's case filed with the Denver Revdex.com ("Revdex.com") on August 6, and received by Specialized Loan Servicing LLC ("SLS") on August 10, regarding a loan modification for the above-referenced mortgage account
Specialized Loan Servicing LLC ("SLS") is obligated under federal bankruptcy law to comply with the requirements of the automatic stayThis information is provided in response to your client's request and does not constitute a demand for payment
Our records indicate that we have previously responded to a similar request with our correspondences dated August 18, 2015, August 24, and September 3, Copies of these letters are enclosed for your reviewPlease note that Specialized Loan Servicing LLC ("SLS") has complied with your request for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your client's loan, please contact our Customer Care Department
As previously stated our records indicate that we received a cease and desist from your client on June 10, Therefore the denial letters were sent to your officesWe are once again enclosing copies of these letters for your reviewYou may provide copies to your client at your own discretion
In researching your client's account, we have found no errorsYou have a 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 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

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 25,and received by Specialized Loan Servicing LLC (“SLS”) on May 26, regarding mortgagepayments, credit reporting, and late fees for the above referenced mortgage account.This account
service transferred to SLS on February 1, At the time of the service transfer ourrecords reflect that you were due for the March 1, paymentWhen a loan transfer occurs; SLSholds all reporting for the month in which the transfer occurs, as well as two (2) additional monthsthereafter to allow for the resolution of interim payment issues associated with the transferWhen apayment received is less than the amount due, the funds are placed in a suspense account until fundsreceived are sufficient to satisfy paymentWhen an amount equal to a contractual billing is in theunapplied funds suspense account it will then post to the next contractual billing dueWhen an account iscurrent and we receive funds less than the total amount due these funds will be held in the unappliedfunds suspense account however they run the risk of being applied to the unpaid principal balance as a‘curtailment’ (reduction of the unpaid principal balance) paymentWe show this account is contractuallydue for the July 1, payment in the amount of $3,We have enclosed a copy of the paymenthistory and transaction codes for your records.According to our records, there were no negative payments reported to the credit bureaus as delinquent.In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accuratelyas they were receivedIf you have a specific dispute regarding the credit reporting information we havereported, please send us a signed letter detailing your dispute along with an unmarked copy of your entirecredit report(s).After review of your account, we have waived the late fee billed in the amount of $on May 26,for the May 1, payment that was completedThis account should have been current but dueto a misapplication of a payment we have updated our records and waived the late feePlease acceptour apologies for any inconvenience this has caused.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

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on August 26, received by Specialized Loan Servicing LLC (“SLS”) on July 27, regarding a mortgage payment and escrow account for the above referenced mortgage account This account is
escrowed for the homeowner’s insurance and county taxes. We verified the taxes for this property and we have updated our system on July 29, 2016. The approximate tax rate is $or $per installment. On July 29, we issued you a refund in the amount of $1,for the overpayment on the escrow account. Enclosed is a new updated escrow analysis dated July 29, 2016. Your account reflects you have a current escrow balance of $This account is contractually due for the August 1, payment in the amount of $1,(Principal and Interest $1,and escrow $70.25). Our records show that we waived the late charges on July 29, in the amount of $for the payment in July 1, paymentWe have enclosed a copy of the payment history along with our transaction codes for your review and recordsPlease accept our apologies for any confusion or inconvenience this has caused 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

This letter is in response to a rebuttal with our original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on November 15, and received by Specialized Loan Servicing LLC (“SLS”) on December 5, regarding a streamline modification on your account referenced above.Our records indicate that we have previously responded to a similar request regarding fees and theservicing of this account on November 30, We have enclosed this letter for your records.The principal reduction loan modficiation offer and the reinstatement funds from October 7, appearto have crossed in the mailThe investor/owner of the loan is *** *** which has specificqualifications for streamline modifications that SLS must followOne of the qualifications is that the loanmust be days past due to be eligible for a streamlined modificationSince the loan was reinstated priorto the finalization of the modification we must obtain direction on how to proceed with the streamlinemodification from the investorWe expect the investor/owner to respond back to our request in businessdays and we will follow up with you on their response.This account is contractually due for the December 1, payment in the amount of $1,951.53.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.mMTFinancial information and other documentation can be forwarded bymail, 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 with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on September 28, and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and a dispute received on November 21, regarding fees on the above referencedmortgage account.Our records indicate that we have previously responded multiple times to similar requests for fees andreinstatement quote informationOur position regarding your requests has not changedThe additionalfees from the delinquency can be paid over several months but will not be removedIf you should haveany additional questions concerning your loan, please contact our Customer Care DepartmentAfterreview of our records we have confirmed that an active Consumer Financial Protection Bureau (“CFPB”)complaint response is in process at the time of this responseOur records indicate the CFPB review isbeing completed and a response will be addressed and sent to you regarding the fees with the CFPBcomplaint.This account is contractually due for the November 1, payment in the amount of $2,with atotal amount due of $4,(this amount includes all outstanding fees).In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination 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 throughFriday, 8:a.muntil 5:p.mMT

This letter is a rebuttal with the original complaint filed with the Denver Revdex.com (“Revdex.com”) onJuly 30, and received by Specialized Loan Servicing LLC (“SLS”) on August 15, the removal ofthe escrow account on the above-referenced mortgage account.On August 23, the escrow account was removed, as it was added to the account in errorTheescrow account was credited $for the uncollected escrow shortageA refund of $will besent to youYou are now responsible for paying the insurance and taxes on this account going forward.Please accept our apologies for any inconvenience this has caused.This account is contractually due for the August 1, payment in the amount of $901.22.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

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on August8, and received by Specialized Loan Servicing LLC (“SLS”) August 8, regarding a short sale for the above referenced mortgage account.Our enclosed letter dated August 2, reflects
that you were approved for a Short Sale that wascontingently approvedPlease be sure to read the list of contingencies that must be met in order toapprove the short saleAccording to the enclosed letter dated August 3, 2016, the request for a shortsale has been denied we have not received documents required to complete the review of the mostrecent short sale offer.Please note that all offers for loss mitigation or acceptance of a settlement are at the behest of yourinvestorWe must work within the parameters of your investor’s guidelines and the guidelines of any available programs.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 *** Monday throughFriday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), *** (Teller ID: ***) by calling ***Financial information andother documentation may be sent to your Relationship Manager/SPOC by mail, fax, or email as follows:*** *** *** *** ** ***, Fax: ***, Email: ***Please include theten-digit loan number on all correspondence

Complaint: ***
I am rejecting this response because:The final accounting of my loan balance and escrow account is incorrect SLS was sent a pay off amount 505, The amount owed on loan was 496, They indicate they paid property taxes This is incorrect Taxes were paid on our side, I have attached receipt for $4, I have also confirmed with Orange County Tax Assessor that no property tax payment was ever received from SLS. I am owed a credit of $4,for funds from my escrow account They also charged $each for payoff statements I have never been provided a correct payoff statement to date, every request I have made to get correct one has been incorrect I am not paying for their SLS's obstenance Removing $credit for erroneous payoff statements fees SLS also charged $in payoff statements for Late Charge Balance My payment was never late, therefore this was charged in error $146.58.TOTAL OWED is $5,093.40, please see attached break down This is in addition to the $10,already sent
*** ***

This letter is in response to your response filed with the Denver Revdex.com ("Revdex.com") dated and received by Specialized Loan Servicing LLC ("SLS") on February 9, 2018, regarding setting up automatic payments for the above-referenced accountSLS has partnered with CMC Funding, Inc
("CMC") to service your mortgage and will be acting as the servicer on behalf of CMCThis account service transferred to SLS on December 7, At the time of the service transfer, this account was due for the January 1, paymentSLS does not own this noteSLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documentsYour payments are due on the first of the month per the terms of the enclosed Note and you are allotted a 15-day grace period before a late fee is assessedRegarding setting up Automatic Clearing House ("ACH") payments, your account must be currentOur system at this time will only accept payments reflecting the primary borrower’s name, unless there is a joint account listing both borrowersAfter the service transfer, you completed several online payments on December 29, and January 26, The account is currently due for the March 1, contractual monthly paymentAdditional non-fee-based options are as follows for your mortgage payments: ? You can use your financial institution’s bank auto pay (E-Bill) or mail in a payment each month? Pay by standard postal mail at P.OBox Atlanta, GA 30348-? Pay by overnight mail at Lucent Boulevard, Suite Highlands Ranch, CO We have reviewed the telephone calls from *** on January 25, 2018, February 6, 2018, and February 8, regarding setting up automated payments and letters you received from SLS reflecting that the banking account is invalidOn January 25, 2018, you informed the customer service representative you contacted the automated system messaging system twice with no responses from SLSYou wanted to set up ACH for payments from ***’ bank accountOur representative set up the ACH with the banking account information provided for *** to be drafted on the 13th of each monthWe received a telephone call from *** on February 6, regarding receiving another letter from SLS regarding the rejected payment with an invalid accountAfter review of your account our representative informed you that they were going to try to update the system to update ***’ name as primary account holder in order to set up the ACH in order to pull the draft from ***’ banking account as our ACH system only reflects the primary borrowers name for ***He will put in a request for this change and to have *** call back on ThursdayOn February 8, *** contacted SLS to follow up on the ACH requestWe were not able to update the order of the borrowers in order to set up ACH to accept the payments from ***’ accountOur system is only set up to reflect the primary borrowerYou requested to speak with a supervisor and the call was transferredThe supervisor advised to go back to her bank to have her husband’s name added to the banking account in order to set up the ACH payments as our system only recognizes the primary borrower’s name and not a co-borrowers nameWe advised that she can complete her payments with her bank via E-Bill which may be a free service provided through the bankSLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that each account is serviced with usPlease understand that we handle all consumer comments and concerns with the utmost considerationWe regret to hear that you were dissatisfied with the servicing of the accountWe have researched your account and our records indicate that setting up automatic 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 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

Complaint: ***I am rejecting this response because: The response given to my complaint is not factual and they are still stating that the PMI was active on my loan with Shore Mortgage until May of I sent proof to SLS that was issued to me by Shore Mortgage that the PMI 80/requirement was met and the PMI was dropped as of Nov When my mortgage was sold to SLS, there was no PMI and yet SLS said they received the account with PMI If they received the account with PMI then it was illegally transferred by Shore Mortgage that way and I would want to see the paperwork on the PMI payments from Nov until May That does not exist because the PMI stopped being deducted from my escrow in Nov I have received the $that was illegally deducted from my SLS escrow account in the form of a check for that amountI therefore am satisfied with getting my money refunded but I am tatally dissatisfied with the fact that they have not investigated this dispute to find that the evidence I send was from top officials of Shore Mortgage and that all requirements were met for removal of the PMI in Nov I am dissatisfied that what should have been resolved in a simple phone call or letter to Shore Mortgage and checking the n finiancial records took many complaints and a long period of time to get my refundIt is a shame that a Business that claims to resolve differences quickly, can't seem to solve a simple problemThey are still insistent that the PMI was not qualified for removal until May because they claim PMI insurance nor they took the time to see why the 80/was met in NovPoor Business procedures in my opinion but the money part of the issue is satisfied.Sincerely,*** ***

This letter is in response to a complaint filed with the *** Revdex.com ("Revdex.com") on September 26, and received by Specialized Loan Servicing LLC ("SLS") September 26, regarding the escrow account on the above referenced mortgage accountOur records reflect this account
reflects a zero ($0.00) principal balanceThis account was paid in full on August 25, A copy of the lien release is in process, but has not yet been sent for recordingWe have enclosed a copy of the unrecorded lien release that was sent to recordingAfter review of your complaint, please see the summary listed below with the original payoff quote (copy enclosed) issued on July 31, July 31, the payoff quote was issued and expired on August 30, ? Next monthly payment due date was August 1, ? Amount to pay off the account in full was $106,? This amount included the netting of the escrow balance in the amount of $1,July 31, to August 1, the *** payment posted ? Speed pay payment posted in the amount of $toward the August 1, payment? This payment included an escrow payment in the amount of $bringing the escrow balance up to $1,On August 25, 2017, this loan is paid in full using $from escrowOn September 18, 2017, the Escrow overage refund issued to you in the amount of $There is no additional refund due from the overage of the escrow accountPlease find copies of the payment history and transaction codes enclosed for your reviewWe have researched your account and our records indicate that the escrow refund request 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 ***
***, 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

Complaint: ***
I am rejecting this response because: It is not accurate The contract was with a private partyOriginally Upon his death the mortgage was turned over to Bank of America At one point Bank of America and myself agreed on bi-weeklyPayments In January of Bank of America sold our mortgageTo SLS When I spoke to a supervisor I believe was the second weekOf Jan I advised them of the payment plan Bank of America And I agreed on and that I wished to continue with the plan SLS agreedAnd stated that even though their system was not set up for that methodThey would go with it however late fees may appear on my monthly statements.I would just have to call and it would be taken care of The statements And tax papers I have show that there were no late fees applied or anyOther penalties applied to my payments for the entire year of andFor I believe (I don't have the papers in front of me) the first seven months Of We did not realize this until tax time We have since beenDealing with poor, rude, unprofessional, jerksAnd at times liers since SLS Entered into a verbal agreement with us on the manner of paymentsIn January of Otherwise what took them over a year plus sevenMonths to start charging fees I am able to show bank statemens as wellAs tax papers proving the above I sure Bank of America can also providePaperwork as proof of payments as well
Sincerely,
*** ***

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 11, and received by Specialized Loan Servicing LLC (“SLS”) on January 12, regarding a loan modification for the above-referenced mortgage account.This account service transferred to
SLS on February 1, Our records reflect that you were approvedfor a forbearance agreement on December 22, due to unemploymentThe terms of the forbearanceis for four (4) months from September to December with the delinquent amount of $4,944.76to be applied to the back end of the loan and is due on the maturity dateIn order to accept thisforbearance modification we will need to receive the original signed modification documents back beforeJanuary 31, This offer may be automatically cancelled if you do not return the signed forbearancedocuments enclosed with this responseYou can also decline this offer verbally or in writingIf youdecide accept this offer you can then pursue other loss mitigation options with your financial informationafter we process this modificationYou will then need to complete a new Request for MortgageAssistance (“RMA”)We have enclosed an RMA for your convenienceWe show that this account is contractually due for September 1, in the amount of $1,andeach payment that has become due thereafter.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 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday throughFriday, 8:a.muntil 5:p.mMT

SLS we have made every payment to youDo not say that we did not make payments from December to May If that were the truth we would not be in our home todayWhy are you not giving us credit for making our mortgage paymentsGive us credit or we will sue your company

Initial Business Response /* (1000, 6, 2015/10/23) */
This letter is in response complaint filed with the Denver Revdex.com ("Revdex.com") on October 19, and received by Specialized Loan Servicing LLC ("SLS") on October 20, regarding documents required for the modification request
for the above referenced mortgage account
To process a modification without both parties listed on the Promissory Note; SLS will require additional paperwork to continue the reviewSLS is requiring a Quit Claim Deed and one other document such as a
Divorce Decree or Order of Judgment from the *** awarding the property to one specific party listed on the Promissory Note
We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear that you were unsatisfied with our servicing of the account
In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below
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.mMTYou may also contact your assigned Relationship Manager/Single Point of Contact ("SPOC"), *** (Teller ID: XXXXX) by calling X-XXX-XXX-XXXXFinancial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.OBox XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: ***@sls.netPlease include the ten digit loan number on all correspondence

Complaint: ***
I am rejecting this response because:
Statement made by SLS is not trueSLS resolved the issue of the payment being applied to the wrong account using only the proof of payment I submitted from Wells Fargo bank; they did NOT need a full bank statement in order to reapply the payment correctlyThey have no right to personal information on a full bank statement that they would otherwise not have access to if they had not made an error when applying the payment to my account.I consider this issue resolved since the payment has since been applied to my accountBUT I want this complaint left on the Revdex.com site so other consumers know that
they do NOT need to submit a full bank statement n order for a
correction to be made to their account. Proof of payment is sufficient
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