Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onDecember 2, and received by Specialized Loan Servicing LLC (“SLS”) on December 15, 2016regarding the application of payments on the above-referenced mortgage account.This account service transferred
to SLS on September 12, A copy of the Notice of ServicingTransfer dated September 13, is enclosed for your referenceSLS is a third party servicer,contracted by the investor to service this loan per the terms of the original loan documents.Our records reflect that sent a billing statement on September 14, On October 17, we sent aMortgage Delinquency Notice, as your payment due on October 1, had not been receivedYoucontacted SLS on October 24, to notify us that the October which had drafted from your bankaccount On September 30, As we had not yet received the payment, you were advised to sendproof of payment showing the funds received by SLSOn October 26, you called again to determinethe status of the accountYou were advised that we had not received your proof of payment.On October 28, you called to say that SLS had rejected your payment; however, we did not showrecord of our rejecting a paymentYou made a telephone payment that day of $926.23, which wasapplied to the October, obligation.On November 7, you advised that you were sending a payment to SLS as we had rejected yours.On November 16, we received your payment of $On that same day, we received noticefrom your bank of a payment of $being reversed as you had advised the payment was notauthorizedThat payment was reversed, and the account was again due for October 1, On thatsame day, we received a payment of $926.23, which was applied to the October, obligation.On November 21, you made a phone payment of $to satisfy the obligation for November, 2016.(At that time you indicated you thought you were due for the contractual obligation for December.) Youset up Automatic Clearinghouse (“ACH”) payments at that timeThe confirmation letter for this service isenclosedThe first payment of $was drafted on December 1, 2016.On December 7, you called about the payment reversed on November 16, 2016, at which time aticket was opened to research the matterOn December 9, you called again to determine theoutcome of the researchYou declined assistance from the agent and declined a call backYou weretransferred to a supervisor in our Customer Assistance group who advised the issue would be resolvedby December 16, On December 14, we issued a refund in the amount of $926.23, which wassent that same day via United Parcel Service (“UPS”) with a tracking number of ***.No credit has been reported on this account due to the recent service-transfer.This account is contractually due for the January 1, payment in the amount of $We haveenclosed a copy of the payment history, and transactions codes for your review.We regret the frustration you have experiencedWe make concerted efforts to ensure courteous,knowledgeable and quick handling of any servicing issues which may ariseWe hope that we have fullyaddressed all your concerns.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

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 March29, and received by Specialized Loan Servicing LLC (“SLS”) on March 29, regarding a loanmodification for the above-referenced second mortgage account.According to our records, the enclosed letter and modification dated March 23, states that you wereapproved for a Standard Modification ProgramThis offer was the best offer based on the financialdocuments provided and the status of the account at the time the final loan modification application wassubmittedYou are not required to accept any modification you feel is not beneficial to youYou may alsodecline this offer in writing or verbally if you decide not to accept this offerThe offer may beautomatically cancelled if you do not remit the first payment within the necessary time-frame.At this time, if you wish to pursue a loss mitigation option or have had a significant change incircumstance since the time of this decision, you may wish to complete a new Request for MortgageAssistance (“RMA”) and return it along with supporting documentationWe have enclosed another copyof the RMA for your convenience.When there is an offer made for loss mitigation, it does not automatically reduce the interest rate or lowerthe payment; the intent is to bring the account current and to avoid foreclosure with an affordablepayment based off the guidelines of any available programsWe must work within the parameters of yourinvestor’s guidelines and the guidelines of any available programsAll loan modification offers are timesensitive.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, but please note that SLS hasalready enclosed the same for their 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 can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: ** *** *** *** ** ***, Fax: ###-###-####, Email: ***Pleaseinclude the ten-digit loan number on all correspondence

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”) February 23, regarding the November contractual monthly payment on the above-referenced mortgage
account (the “account”) With regard to your concerns, SLS sent you a letter dated October 26, (copy enclosed) advising that SLS made an advance on your behalf for Homeowner’s Insurance (wind insurance). As a result of the advance, SLS required an escrow account. SLS sent you an escrow statement dated October 26, (a copy of which is enclosed) advising the new monthly payment effective December 1, was $1, SLS sent you a letter dated November 3, (a copy of which is enclosed) advising that our records show that your wind insurance expired and SLS did not have evidence that you obtained new coverage. On November 6, SLS received your payment in the amount of $1,which was applied to the November 1, contractual monthly payment. On December 1, during a phone call you advised SLS of your updated wind insurance coverage with *** SLS sent you a letter dated December 4, (a copy of which is enclosed) advising that SLS’ records still show that there was a lapse in coverage from September 18, to November 30, and a charge of $may be charged to the account for the period of time that the coverage was in force. SLS requested evidence of insurance for the lapse period On December 4, SLS received your payment in the amount of $1,110.00. As the funds were insufficient to satisfy the December 1, contractual monthly payment in the amount of $1,553.11, the funds were placed in the unapplied funds suspense account SLS sent you an escrow statement dated December 18, (a copy of which is enclosed) advising the new monthly payment effective February 1, was $1,180.05. On January 9, SLS received your payment in the amount of $$was combined with the suspense account funds to satisfy the December 1, contractual monthly payment and $was held in the suspense account as the funds were insufficient to satisfy the January 1, contractual monthly payment of $1, On February 5, SLS received your payment in the amount of $1,$1,was combined with the suspense account funds to satisfy the January 1, contractual monthly payment and $was held in a suspense account as it was insufficient to satisfy the February 1, payment due in the amount of $1, On March 5, SLS received your payment in the amount of $1,which was applied to the February 1, contractual monthly payment. The account is currently due for the March 1, contractual monthly payment in the amount of $1,and late charges in the amount of $43.04. There is $in the suspense account. The total amount due including the suspense account funds is $1,110.00. A copy of SLS’ payment history with transaction codes is enclosed As a courtesy a manual update is being submitted to the credit reporting agencies indicating the December 2017, January and February payments as paid-as-agreed. This update will be received by the credit agencies within hours of being submitted; however, it may take up to days for them to update their records and for this to appear in official reportingPlease use this letter as verification of this update 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 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

Tell us why here...This letter is in response to a rebuttal with the original case filed with the Denver Revdex.com(“Revdex.com”) on November 12, and received by Specialized Loan Servicing LLC (“SLS”) on November30, regarding information on the above referenced second mortgage account.Our records indicate that we have previously responded to a request for validation of debt on September26, and payments on November 28, We have enclosed these letters for your records.This account is contractually due for October 1, in the amount of $and for each payment thathas become due thereafterThis is currently an unsecured loan and we have not received anyinformation or documentation that the second loan had foreclosedFor your records we have enclosed acopy of the Note and Deed of TrustIf there is any other information regarding this loan or account thatwe have not provided, please send in your written requestIf you have legal docuemtation to support thatthis second lien was liqudated with the foreclosure, you can send us this information in order for SLS toreview this request.We have added *** *** as an authorized third party on the account, you will be able to receiveand/or provide information concerning the above referenced account.In compliance with the laws set forth by the state of Washington, included is the following information:? This account is currently due for the October 1, payment in the amount of $and foreach payment that has become due thereafter.? The current principal balance due is in the amount of $27,This is not a payoff quote.? There are no funds being held in the suspense account.? There is no escrow account on this second mortgage.Note holder contact information:U.SBank National Association, as Trustee for Terwin Mortgage Trust 2005-5SL, Asset-BackedCertificates, Series 2005-5SL*** *** *** *** *** *** *** *** ***
*** ** ***SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will behandled by SLS.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, 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.mMT

Since originally opening this case SLS has decided to take out an even larger insurance policy on a loan that is paid offSo the resolution to this case has changed from $to $plus any fees required to settle this case

Initial Business Response /* (1000, 5, 2015/06/17) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 4, and received by Specialized Loan Servicing LLC ("SLS") on June 5, regarding the loan modification for the above-referenced
mortgage account
According to our records, we have not received a recently completed financial package to be reviewed for mortgage assistance, nor have we approved a modification since the service transferAs such, it is unclear which modification process has been ongoing for three yearsHowever, we are committed in assisting borrowers having a financial hardshipPlease contact our Customer Resolution Department toll free X-XXX-XXX-XXXX, Monday through Friday, 6:a.mto 9:p.mMT to determine what alternative payment option(s) may be available to youThe application for loss mitigation is enclosedPlease complete and return it along with all applicable financial documentationOnce a completed package is returned to us, we may review for loss mitigation
The goal of loss mitigation is to bring an account current and to keep foreclosure sale from occurringAs we 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 rateCall center agents are unable to guarantee any type of modified payment by phone, as all offers are made at the behest of your investorPlease indicate the approximate date and time you were promised a modified payment so that we might review the phone conversation for training purposes
At the time of loan transfer to SLS on February 6, 2012, this account was due for the December 1, obligationThis account remains due for the December 1, monthly payment in the amount of $and for each payment that has come due thereafterWe have not received a full contractual monthly since the time of service transferBecause of the severity of the loan, letters indicating funds needed to reinstate the account began in April, The first such letter is enclosedTerms of the loan do not change between servicers
Your current investor is The *** of *** *** *** FKA The *** of *** *** as Trustee for the certificateholders of the *** Inc., ASSET-BACKED CERTIFICATES, SERIES XXXX-XXSLS is not the investorWe are a third-party servicer contracted by your investor to servicer this account based on the terms of the original Note and Deed of Trust
As indicated, this account is due for billing from December 1, This information was reported as such to the credit reporting agenciesThis is in accordance with the Fair Credit Reporting Act (FCRA), SLS is required to report payments accurately as they were receivedIf you have a specific credit reporting concern, please outline this in a separate dispute, along with a copy of your unedited and complete credit reportWe will research credit reporting further at that time
SLS is unable to comment on complaints and/or the servicing of the mortgage loan by prior servicer(s)
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 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.mMTFinancial information and other documentation can be forwarded 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

Tell us why hereThis letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on March 25, and received by Specialized Loan Servicing LLC (“SLS”) on March 28, regarding loss mitigation options and servicing of your account on the above referenced second
mortgage account.After review of our records we have confirmed that an active Consumer Financial Protection Bureau (“CFPB”) complaint response is in process at the time of this response. Our records indicate the CFPB review is being completed and a response will be addressed and sent to you regarding the loss mitigation options and servicing this account with the CFPB complaint. You 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 ###-###-####, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.mMT

Dear *** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 14, and received by Specialized Loan Servicing LLC ("SLS") on August 24, regarding a loan modification forn 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 request and does not constitute a demand for payment
After review of the our records we confirmed that you spoke with *** (Teller ID: ***) on July 20, at that time you were advised that we had received your profit and loss statement and we were in the process of submitting your financial package to underwriting for further review and that it could take up to days after your financial package was submitted to receive a final decision
After review of the phone conversation that took place on August 7, with *** (Teller ID: ***) we confirmed that your account was under review and a final decision would be sent to you days from the date your application was submitted to the underwriting teamYou requested to speak to a supervisor as you were unhappy about the amount of time it would take to get a final decision
Our records further indicate that you spoke to *** (Teller ID: ***) on August 7, you advised *** that you were not happy about *** no longer being your assigned point of contactYou also advised *** that you felt the review process was too long*** thean advised you that this was our standard process and there was nothing that she could do to escalate this requestYou then requested to speak to her supervisor*** advised you that she would send a request to her manager to call you backYou then requested an email be sent to you confirming that this request was sent*** advised you that she could not comply with this request as her department did not correspond via email or mail
On August 14, you contacted us and spoke to *** (Teller ID: ***) you advised *** that you called yesterday and was told by the automated system that you were approved for a loan modification and when you called again today you were told that you were denied*** then advised you that he would not trust what the automated system was stating as he could not confirm that a decision had been made at that timeHe then advised you that a letter would be sent to you with a final decision
After review of the phone conversation with *** (Teller ID: ***) on August 14, our records confirm that *** advised you that your request for a loan modification was denied due to negative Net Present Value (NPV)value and a letter with more details would be sent to you
We realize that the loan modification review may be lengthy process; we apologize for the frustration that you have experienced regarding this matterWe 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 you were unsatisfied with our servicing of your account
Please note that it is our procedure to request all complaints to be sent to us in writing to ensure courteous, knowledgeable and expeditious handling of any servicing issues that may arise
The information used to underwrite for the initial approval was not validatedTherefore as of the date of this letter we are working to complete a new underwriting and reviewYou will be notified under separate cover if additional information is needed or of the results of the completed review
After review of the contractual terms of your loan we have confirmed per your Note the interest only period ended on June 26,
You have asked for certain information pertaining to your LoanAccordingly, we have enclosed the following documentation for your review:
Copy of the Promissory Note
Copy of the Deed of Trust
Welcome Letter
Payment History and Transactions codes
Information concerning the original and current creditor of your Loan is as follows:
Original Creditor: GMAC Mortgage Corporation DBA ditech.com
*** *** *** *** *** ***
*** *** ** ***
Current Creditor: U.SBank National Association, as Indenture Trustee of the GMACM Home Equity Loan Trust 2005-HE
** *** *** ***
*** *** ** ***
As SLS is the servicer of the loan on behalf of the investor, correspondences made with the investor will be handled by SLS
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 the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on September 12, and received by Specialized Loan Servicing LLC (“SLS”) onSeptember 13, regarding credit reporting and servicing on the above-referenced mortgage
account.This account service-transferred to SLS on December 1, SLS does not own the loanSLS is athird-party servicer, contracted by the investor to service this loan by the terms of the original loandocuments; copies are enclosed for your referenceAccording to the terms listed in your Deed of Trust,the note may be sold or service-transferred without your authorizationSLS does not have the authorityto sell this loan, and SLS is not a financial institution able to offer refinancing.Negative information has not been reported to the credit bureausIn accordance with the Fair CreditReporting Act (“FCRA”), SLS is required to report payments accurately as they were received.A note on your account indicates that your biweekly payments be held in a suspense account until wereceive a full payment to apply to the next contractual payment dueThis account is currently due for theOctober 1, payment in the amount of $1,739.66.In researching your account, we have found no errorsYou have rights 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.mMT

This letter is in response to rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on November 10, and received by Specialized Loan Servicing LLC (“SLS”) on December 1, regarding payments on the above-referenced second mortgage account.Our records indicate that we have previously responded to a similar request regarding payments onNovember 25, We have enclosed this letter for your records.After reviewing your payment history and as of the date of this letter, the last payment received onDecember 2, was applied incorrectly againThe payment in the amount of $posted to theDecember 1, and January 1, monthly payments with $being applied towards ‘curtailment’ (reduction of the unpaid principal balance)On December 5, we have reversed off the amount of$that originally applied towards the December 1, and January 1, monthly payment andcurtailmentOn December 6, 2016, we reapplied the amount of $for the December 1, 2016monthly payment with $applied to principalBecause of this issue, we are placing a permanentcollection note on your account to show how your payments should be appliedWe currently show thatthis account is contractually due for January 1, payment in the amount of $We haveenclosed a copy of the payment history along with our transaction codes for your records.Also going forward, you will also need to forward your payment with your coupons to our HighlandsRanch mailing address at *** *** *** *** ** ***Your payments should be appliedcorrectly going forward as long as you follow these steps.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 in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on April 4, and received by Specialized Loan Servicing LLC (“SLS”) on October 3, regarding documents on a loan modification for the above-referenced mortgage account.Our records indicate that we have previously responded to similar requests for loss mitigation onNovember 23, 2015, April 14, and April 27, We have enclosed these letters for your records.Our letter, enclosed and dated June 17, 2016, reflects that you were approved for a Home AffordableModification Program Tier This offer was the best offer based on the financial documents provided atthe time the loan modification application was submittedWe received the first of three trial payments inthe amount of $1,If all the trial payments are not received in a timely manner, this loanmodification may be denied for not accepting the terms of this loan modificationYou also do not have toaccept any agreement that is not beneficial to you.SLS does not accept verbal agreements, only writtenWhen there is an offer for a loan modification itdoes not automatically reduce the interest rate or the payment, the intent is to bring the account currentand to avoid foreclosure with an affordable payment based off the guidelines of the program that isavailable to be offeredWe must work within the parameters of your investor’s guidelines and theguidelines of any available programs.If you have had a significant change in circumstance relating to income or expenses, you will need tocomplete a new financial packageAll required financial documentation must be dated within days ofthe application or will not be able to be considered as current information in our reviewA new financialpackage is enclosed for your convenience.SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay.This information is provided in response to your request and does not constitute a demand for payment.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.mMTFinancial information and other documentation can be by mail, fax,or email as follows: *** *** *** *** ** ***, Fax: ***, Email: ***.Please include the ten-digit loan number on all correspondence

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,
*** ***

Complaint: ***
I am rejecting this response because:
Sincerely,
*** *** *** SLS has just now added an additional $to the $1,(that was originally filed) making the TOTAL NOW $1,for a follow up with the Lawyer that the payment was made????? This is not a valid justification in reference to the FORECLOSURE expensesIt clearly states that a payment needed to be made at specific time to reinstate the loan and we did $15,(in a day period)so this fee of $1,for foreclosure fees is unwarranted and unreasonable when NO foreclose procedures accrued, you ask for an amount and we delivered as per the agreement with SLS and *** *** with NO court or a foreclosure file even started, the lawyer stated "MAY commence in a foreclosure action." We are under the Government Making Home Affordable Act (MHA) for a reason (loss of Job,health ect.) and to charge us for foreclosure fee for payments missed over many years here and thereThis fee of $1,was never explain in ANYWAY to us at any time during this business matter with SLS or explained by the Lawyer in reference to this matterJust added to our bill.Sincerely*** and *** ***

Specialized Loan Servicing LLC (“SLS”) has received your complaint with the Denver Revdex.com on March 10, regarding the above referenced mortgage accountYour Qualified Written Request (“QWR”) is currently under review for the following reason Additional research is needed
regarding the billing, payment, and credit reporting issueWe realize the urgency of your inquiry and we appreciate your patience. We will have a response issued to you within the next fifteen (15) business daysIf 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

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”) March 16, regarding the forbearance, late charges and credit reporting on the above-referenced account On
March 20, SLS reversed the application of payments on the account and reapplied payments from October through March to the contractual monthly payments without late charges. Additionally, SLS waived the outstanding late charges in the amount of $219.68. SLS’ records indicate the account is currently in a forbearance plan scheduled to end on March 31, There are currently uncollected fees in the amount of $on the account; $for property inspections that transferred from the prior servicer, and $that was assessed on February 7, for a separate property inspection The account is currently due for the April 1, contractual monthly payment. SLS’ records indicate SLS has not reported credit for the account as a result of the transfer of servicing to SLS and the receipt of your dispute. When the credit reporting hold on the account for your dispute expires SLS will resume credit reporting for the account unless an additional credit hold is placed In order for SLS to research your concerns regarding credit reporting further please provide a complete unedited copy of your credit report 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 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 complaint originally filed with the Denver Revdex.com (“Revdex.com”) onSeptember 27, and received by Specialized Loan Servicing LLC (“SLS”) September 28, regarding credit reporting for the above referenced mortgage account.Your account service
transferred to SLS on June 1, and our records reflect that you were due forthe July 1, paymentWe do not report delinquencies in the month of transfer plus two monthsafterwardsThere were no negative payments reported to the credit bureaus as over days delinquent.In review of the credit reporting for this account we found there are no inaccuracies in the information wehave reported to the credit bureausIn accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they were received; therefore, credit cannot be corrected as acourtesyOur records reflect that the July 1, payment was received on July 27, which is overthe day grace periodWe received this payment via Western Union and waived the fee as a one timecourtesyThis late payment will show on the account but not for credit reporting.If you have a specific dispute regarding the credit reporting information we have reported, please send usa signed letter detailing the dispute along with an unmarked copy of your entire credit report(s)We haveenclosed a copy of the payment history with our transaction codes for you and your clients review andrecords.We show that this account was enrolled in our Automatic Clearing House (“ACH”) program for automatic payments on July 25, The next contractual due date is November 1, in the amount of$2,687.29.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.mMT

Initial Business Response /* (1000, 10, 2015/09/10) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 28, and received by Specialized Loan Servicing LLC ("SLS") on August 31, regarding a loss draft check for the above referenced
loan
According to our records, the funds in the amount of $26,have posted to the unapplied funds account on August 27, and all documents needed have been obtainedOn September 9, 2015, we advised that a check will be cut and mailed within 5-business daysOnce we receive funds in the amount of $644.48, those funds will be mailed out as wellThe reason for the delay was due to the original contractor being released and SLS receiving the documentation needed to proceed with claimOur records show that you were informed of the delayed information on September 9, We also requested a follcall to you from management to discuss any other issues regarding this matter
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
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, 12, 2015/09/14) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I contacted SLS this morning and the date of received documents have been changed to September 10, I spoke with *** and a Supervisor by the name of *** and requested a courtesy call as to when my check would be mailed out because I would be out of town with my sick mother in Arkansas and cell phone reception is very poorI was advised by both they could not do thisI was told that was check would be mail 7-days from Friday September 11,so that is different from what they have told you
My contractor and I were on a call with *** on September 8, and she threatened him that if he didn't put him name on the top line of the W-that they would not release the checkHe disagreed but filled out in order to get check processedHe is a business and his business name goes on the second lineAgain she told him if he didn't SLS would not release the checkSLS may have the right to hold the check for the forms but SLS does not have right to threaten, to be rude, to demand the contractor sign a release of lien in advance of work being done and hold my funds hostageI do not agree and this is not the end of thisI will take it as high as I possibly canI don't want this experience to happen to anyone elseThis is the worse customer service I have every had in my adult life
Final Consumer Response /* (4200, 16, 2015/09/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I spoke with *** on September or 15, and was told that a check for $was requested and I would receive it in 5-business daysI questioned her why that amount and that it was incorrect and what happened to my $26,check? She then tells me that I advised them my contractor had been paid in fullI asked when and who I told that the contractor had been paid in pull? She couldn't tell me who and put me on holdAfter that she came back and said two checks had been requested and that one was for $26,and the other $and never apologized for the errorI advised her I would be going out of town and where I would be going is in the country in Arkansas where my mother lives and cell phone reception is very poorI asked if I could receive a courtesy call when the check was sent via FedEx? I was told noI requested to speak with a supervisor and I was give *** and she told me the same thing "no"I was told the checks would be mailed 5-days over and overThey were not mailed 5-daysThe checks were mailed eight business days and I had to call FedEx on September 24,after 7:30pm CST to see if a representative could track a package without a tracking numberI was told both packages had been scanned at 7:57pm EST on September 24, even thought the recording said $26,had been mail on September 23,
The $26,insurance check was dated September 11,2015, and the $check was date September 17, so both have sat on somebodies desk for days to prove a point that they will do what they told me that this can and will not be expedited
I still stand on these are some of the rudest representatives I have ever had to talk with including *** that said she was a supervisorI got the chance to talk with her a second time and she may have forgotten that she told me she was a supervisor but I didn'tShe gave me insuranceclaimcheck.com as a means for me to check the status of my account and that I could track my checkI never was able to do soThe response was always "you account is temporarily unavailablePlease try again later
I was a customer service representative for over twenty years and retired from that field and it is that outlandish they way I was treated
Final Business Response /* (4000, 18, 2015/10/06) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on September 27, and received by Specialized Loan Servicing LLC ("SLS") on September 29, regarding loss draft checks for the above-referenced mortgage account
Our records indicate that we have previously responded to a similar request for information and on September and September 21, We have enclosed these letter and enclosures for your records
According to our records, we mailed both checks via Fed Ex on September 23, The Fed Ex tracking numbers are XXXXXXXXXXX and XXXXXXXXXXXXWe have checked the Fed Ex website with these tracking numbers and it reflects that both checks were delivered on Thursday September 24, at 11:amThey were delivered at the front doorIf you have not received these checks, please contact us immediately in order to verify if the checks were cashed and the next steps to have them reissuedWe apologize for the frustration that you have experienced regarding this matter
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, but please note that SLS has already enclosed the same for your reference as outlined above
If you should have any additional questions or concerns which SLS has not already addressed, please submit such inquiry in writing to: Specialized Loan Servicing LLC, *** *** *** Suite *** *** *** CO XXXXXYour clients may also contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.m., MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.m., MT

Specialized Loan Servicing LLC (“SLS”) has received your dispute from the Revdex.com on January 29, on the above referenced mortgage accountYour Qualified Written Request (“QWR”) is currently under review for the following reason:Additional research is required regarding the
payment from the prior service at the time of the service transfer along with automatic paymentsWe realize the urgency of your inquiry and we appreciate your patienceWe will have a response issued to you within the next fifteen (15) business daysIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, 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 to the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on August 26, and received by Specialized Loan Servicing LLC (“SLS”) on September 12, regarding the escrow account on the above-referenced mortgage account.Our records indicate that we have previously responded to a similar request regarding removal of theescrow account on September 9, We have enclosed this letter for your records.The July 1, payment was not received until August 1, which put your account days pastdueThere is now an escrow shortage on this account of $1,that was effective on July 1, 2016.Because of this late payment and the escrow shortage, we cannot remove the escrow account.We show that this account is contractually due for October 1, in the amount of $1,188.21.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.mMT