Specialized Loan Servicing, LLC

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on September 2, and received by Specialized Loan Servicing LLC (“SLS”) on September 30, regarding documents for a loan modification and servicing for the above-referencedsecond mortgage account.Our records indicate that we have previously responded to a similar request regarding a loan modificationon September 15, We have enclosed this letter for your records.Your most current complaint did not provide a reason as to why you rejected our responseBased on ourcurrent review and records, they reflect that we received your letter of explanation regarding your incomeon October 6, Our enclosed letter dated October 6, informs you that we are currentlyreviewing your documentation for loss mitigation optionsYou will receive a response once a decisionhas been reached or if any additional information is neededPlease accept our apologies for anyconfusion this has caused.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 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

This letter is in response to your correspondence dated August 16, 2016, and received by Specialized Loan Servicing LLC (“SLS”) on August 16, 2016, regarding a Revdex.com dispute for the above referenced mortgage account After a review of your account, it is determined that SLS has provided a
response to a similar request with our correspondence dated July 21, 2016, a copy of which is enclosed for your referenceAs stated in the previous response, for SLS to research the issue further please send proof of payment in the form of front and back copy of check or a rolling bank statement showing the payment Also stated in the previous response, the correspondence indicates an unauthorized third party, *** ***, who has not been authorized on the above referenced mortgage account. If you should wish to authorize the party, please complete the attached Third Party Authorization and return to our officeUpon receipt of the executed third party authorization, the account will be updated accordingly 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

Initial Business Response /* (1000, 5, 2015/06/29) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 17, and received by Specialized Loan Servicing LLC ("SLS") on June 18, regarding credit reporting for the above-referenced mortgage
account
Our records indicate that we have previously responded to a similar request for credit information on June 2, We have enclosed this letter for your records
On June 2, we submitted a manual update to the credit reporting agencies to reflect this account to report the trade line and show this account as currentTypically, the updates are received within hours however; it may take approximately 45-days for the credit bureaus to update your official records with this informationPlease use this letter as verification of this correction
If your credit report continues to reflect inaccurate information after that time, please dispute the reporting directly with the credit reporting agenciesIn accordance with the Fair Credit Reporting Act (FCRA), Specialized Loan Servicing, LLC is required to report payments accurately as they are received; therefore, credit cannot be corrected as a courtesyA copy of the payment history for the account is enclosed
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
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2015/07/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Their response is unacceptable, because it does not address my original complaint - why did it take over months to report to the credit bureaus?
Their delays/excuses are unacceptable, and have caused me unnecessary financial hardship and stressFurthermore, deliberately delaying this reporting is not good business practice, and shows a lack of client service
Final Business Response /* (4000, 9, 2015/07/21) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on July 13, and received by Specialized Loan Servicing LLC ("SLS") on July 14, regarding credit reporting for the above referenced mortgage account
Our records indicate that we have previously responded to similar requests on March 27, June 2, and June 29, We have enclosed these letters for your records
Since the service transfer to SLS on December 1, for the month of the transfer as well as two months thereafter credit is not reportedWe do not report to the credit bureaus in order to be sure that we receive all correct information and payments from the prior servicer on each account during this transitionWe received your original dispute regarding credit reporting on February 26, 2015, this further postponed the credit reporting on this accountYour credit reporting is put on hold while this dispute is being researched, however once we have completed our research and issued a response we resume our collection and credit reporting activities per Real Estate Settlement Procedures Act guidelinesWe then received other disputes from you for information and did not report credit until June 2, when we received your Consumer Financial Protection Bureau ("CFPB") disputeWe then submitted a manual update to the credit bureaus to establish the trade line and reflect the account as currentThe reporting for this account has been further postponed due to the dispute this letter is in response to
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
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 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 your correspondence received by Specialized Loan Servicing LLC (SLS) onJuly 18, regarding payments and credit reporting on the above referenced loan.Our records indicate that as of July 25, the funds received have been update and applied correctlyto the loan
The loan is current and due for the August 1, payment in the amount of $827.87.Enclosed, please find copies of the payment history and transaction codes for reviewWe can alsoconfirm that we have not reported the account as delinquent since the loan modification on the loanreference above was completed in January 2016.If you should have any additional questions or concerns which SLS has not already addressed, pleasesubmit such inquiry in writing to: Specialized Loan Servicing LLC, *** *** *** *** ***
*** *** ** ***You may also contact Customer Care toll free at ***, Mondaythrough Friday, 6:a.muntil 6:p.m., MT or TDD ***, Monday through Friday, 8:a.m.until 5:p.m., MT

Initial Business Response /* (1000, 6, 2015/11/30) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 17, and received by Specialized Loan Servicing LLC ("SLS") on November 18, regarding payments and phone calls regarding the
above referenced mortgage account
Our records reflect on July 21, your home and work telephone numbers have been removed from our records and you will no longer receive collection calls of any kindOur only communication will be through written correspondence henceforth
According to our records we have verified that the interest only period has expired and beginning on September 1, the monthly payment is to be calculated to include a principal and interest paymentAs of November 27, 2015, we are in the process of updating this account for the Adjustable Rate Mortgage ("ARM") account so that all future billing statements will reflect the correct payments for both Principal and InterestThe payments we received on October and November 16, in the amounts of $3,will then be reversed and reapplied towards both principal and interest payments once the ARM adjustments have been completed on this account
We have put in a request that a member from Executive Services will call you back regarding your account and this issue
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
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, 2015/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It is not an ARMIt is a set interest rate for term of loan!!! Arghhhh
Final Business Response /* (4000, 10, 2015/12/10) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on December 2, and received by Specialized Loan Servicing LLC ("SLS") on December 3, regarding the Note for the above referenced mortgage account
Our records indicate that we have previously responded to a similar request regarding payments and phone calls on November 30, We have enclosed this letter for your records
Please accept our apologies for any confusion, this is not an Adjustable Rate Mortgage ("ARM") loan as stated previously, the enclosed copy of the Note states it is an Interest Only Fixed Rate Note
According to our records we have verified that the interest only period has expired and beginning on September 1, the monthly payment is to be calculated to include a principal and interest paymentAs of November 27, 2015, we are in the process of updating this account for the Interest Only Fixed Rate Note so that all future billing statements will reflect the correct payments for both Principal and InterestThe payments we received on October and November 16, in the amounts of $3,will then be reversed and reapplied towards both principal and interest payments once the loan adjustments have been completed on this accountYou will not be responsible for any shortage of the principal payments based on the October, November, and December interest-only paymentsOnce we receive the December 1, payment in the amount of $3,you will then receive a bill for the correct principal and interest payment for the January 1, payment
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 complaint filed with the Denver Revdex.com (“Revdex.com”) on June 28,and received by Specialized Loan Servicing LLC (“SLS”) on June 28, regarding mortgagepayments and late fees for the above-referenced mortgage account.This account service transferred
to SLS on March 1, At the time of the service transfer, our recordsreflect that you were due for the March 1, paymentPayment for March 1, was received onMarch 14, Payment for April 1, was received on April 13, Payment for May 1, wasreceived on May 13, 2016.Our records reflect the June 1, payment was not received until June 21, 2016, and a late charge of$was billed to this accountYour payments are due on the first of each month with a 15-day graceperiod before a late fee is assessedWe have waived the late fee in the amount of $as a one-timecourtesyIf you do not feel this is satisfactory resolution, please send us proof of payment on June 14,from your financial institutionThe account is contractually due for the July 1, payment in theamount of $3,We have enclosed a copy of the payment history and transaction codes for yourrecords.In researching this 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 ** ***, Mondaythrough 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 December 7, regarding your escrow account and online access to SLS’ website for the
above-referenced mortgage account SLS’ records indicate at the time the servicing of the account transferred to SLS, the escrow balance was $1,525.95. Regrettably, the tax information was not established, resulting in an escrow surplus check in the amount of $1, On November 13, during a phone call you advised the SLS representative that you believed the surplus check to have been issued in errorYou were advised not to cash the check while research was conducted. On November 16, 2017, a stop-payment order was placed on the refund check, and the escrow surplus funds of $1,were applied back to the escrow account. SLS sent you an Escrow Account Disclosure Statement dated November 21, indicating the city taxes were added to the escrow; your new monthly payment effective November 1, was $1, Your complaint raises concerns about your ability to enroll for online services on SLS’ website. Specifically, you allege that SLS’ representatives have been unable to resolve your issues or offer alternative solutions. You indicate you have requested to speak with a supervisor or additional response but you receive no response and that no proactive solution has been provided. You request to speak with someone able to resolve the issue With regard to your concerns, SLS’ records indicate on a November 21, phone call you requested assistance with enrolling on SLS’ website. At that time the account was resetSLS’ records do not indicate calls on December or December 5, On December 4, during a phone call you advised the SLS representative you were unable to access online services. The SLS representative advised you SLS’ website was down and recommended calling back the following day On December 6, during a phone call you advised the SLS representative you were unable to access online services. That same day your accounts were reset again, and you were advised to call back if issues persisted On December 7, during a phone call you advised you were still having issues with online enrollment. The issue was escalated, and you were encouraged to follow up if you were still unable to access your account online On December 11, during a phone call you requested to speak with a supervisor since you were still having issues with online enrollment. The SLS supervisor determined there were multiple email addresses for your account,. The account was again reset, and the matter was referred to SLS’ technology department On December 14, during a phone call the SLS representative confirmed that *** *** was able to access online services. However, later that day during a phone call *** *** advised that she was unable to access the online account. The issue was escalated again to the technology department On December 18, you advised again that you were unable to access online services. The SLS representative advised of further research and that you would receive a call the next day On December 19, the Executive Services team contacted you to advise of continued research of the matter On December 21, SLS’ IT department confirmed that the issues accessing online services were resolved and contacted you SLS strives to ensure courteous and quick handling of any servicing issues which may arise during the time that your loan is serviced with usPlease understand that we handle all borrower comments and concerns with the utmost considerationWe regret to hear you were dissatisfied with the 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 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

Initial Business Response /* (1000, 6, 2015/08/06) */
Dear *** J*** and *** L***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on July 22, and received by Specialized Loan Servicing LLC ("SLS") on July 24, regarding payments
made on the above-referenced mortgage account
SLS is the current servicer of the mortgage loan, which was transferred to SLS for servicing on February 7, due for February monthly paymentAfter review of records we confirmed that funds in the amount of $2,was received by the prior servicer on February 5, and applied to the unpaid principal balanceFurthermore our records show that funds in the amount of $were received on February 27, and applied to the unpaid principal balance
As an courtesy funds have been reversed and reapplied to the account as requested at this time your account is due for the August 10, monthly paymentA payment history is enclosed for your review
Please note that Partial payments received are placed in an unapplied funds suspense account until we receive adequate funds to post a payment in full
In researching this 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

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 September 5, regarding credit reporting on the above-referenced mortgage account This account was
settled by short payoff on February 22, A manual update was submitted to the credit reporting agencies on September 19, 2017, indicating no delinquencies from January to presentThis update will be received by the credit agencies within hours; 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 correction. We regret any inconvenience this may have caused 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 ***, 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 borrowersTell us why here

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 10, and received by Specialized Loan Servicing LLC (“SLS”) on November 11, 2016regarding payments on the above-referenced second mortgage account.On October and November 10, we
spoke with you regarding funds to be applied toward yourunpaid principal balance.We have enclosed a copy of the payment history with our transaction codes for your review and records.On October 20, we reversed payments through August and reapplied the August, September, andOctober, paymentsSurplus funds of $were applied for each reapplied payment and not in alump sum to account for the change in interest.On November 3, we received a payment of $which was applied to payments for Novemberand December, On November 17, the December, payment and applied the surplusfunds of $to the unpaid principal balance.The account is due next for December 1, in the amount of $299.78.We apologize for the frustration that you have experienced regarding this matterWe make concertedefforts to ensure courteous, knowledgeable and quick handling of any servicing issues which may arise.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

Complaint: ***
I am rejecting this response because: While I did decline the modification offered in Oct 2015, I did not decline the offer provided back in April with the 1st payment due June 2015. I declined the standard modification due to the company falsifying/grossly inflating my monthly gross income at $6,000/month. In order to make $6000/month my W-2's at any point over the last years would have to end at $72000. My W-for came in at $65166.85 Using that amount over months my gross monthly income would come to apprx 5400. To date the company has yet to provide/explain how my "gross income" changed from August of $to April of $then to $in Oct despite my yearly income decreasing from to and not receiving any pay raise for the year. The company has also been unable to justify how they came up with $6000/month as my gross monthly income. I spent over hrs on the phone on Dec 29th and the female could not explain this or how my escrow account went from $in April to per her $40,in Oct 2015.The HAMP modification that was offered to me in April 2015, I accepted and attempted to pay. I was not allowed to pay the HAMP amount to the new adjusted insurance amount. I was told that I could get my own insurance provider which I did, statefarm which is the current provider. The new insurance amount/provider was accepted by SLS effective June 1st which was when my 1st trial payment was due. The new amount reduced my insurance amount from $to $105. I was not told to wait till after my trail payments were made to change obtain my own provider, which from what HUD has told me is what I should have been advised to do. The direction I was given in regards to obtaining my own insurance provider as well as the direction I was told in June is what has put my house in the foreclosure status it is now. I was told in June instead of paying the adjusted amount I had to pay the amount listed on the paperwork or file for an appeal. I could not see how it is legal to require a payment to be made for an amount that does not exist anymore and per the documents, it stated that, while I have an escrow shortage, I had the option to exercise the payments of $or to pay the lump sum upon completion of the trial. As such the escrow amount payment was not in play and making any payments to this would not apply until the trail was locked in. With the documents disclosing such and with the direction of my POC, *** advising me it was acceptable to retain my own carrier and being told to either pay an amount that no longer existed or resubmit resulted I followed this advice which is what has put me and my house in a foreclosure situation. The company should be held accountable for the mis direction and misinformation their front line employees provide as this is resulting in me losing my home and the investors losing out on their investment. As if the house forecloses the lenders/company will not get close to fair market value on the house where as if the modification offered back in June is upheld as per my last requests the lenders will retain the fair market value of the existing loan. In addition to this I have submitted an appeal effective March 27th per the deadline listed on the Feb denial and submitted a letter requesting to post pone the sale due to this pending appeal. What has been explained to me is, per California law, the company cannot foreclose on a house for days after the appeal has been ruled on and that they have days to review the appeal. This information was relayed to me by a lawyer and as such as of 4/the appeal was still open pending review. I received verbal confirmation as well as a letter confirming the receipt of this appeal and request for postponement. with the foreclosure date listed on 4/even if the company rules tomorrow days after would be past the sale date. if the company does continue with the sale, it is my understanding that they will be breaking several California civic codes/laws for which I would have legal right to contest the sale of the property. I have also been advised I have the option to exercise the right for a bankruptcy lawyer. While this is still an option I may have it is the last option I want to exercise as in this case the only ones that win are the lawyers. Again I have the funds to back pay as if I had been paying for the modification from June to todays date at adjusted insurance amount of apprx $and bring the $escrow current. Per the email they are asking for me tp pay $242,to stop any action on my house. If I had that kind of money I would not be in this situation in the 1st place let alone I would have walked away from the property years ago and purchased a house without any issues/baggage.
Sincerely,
*** ***

This letter is in response to a rebuttal originally filed with the Denver Revdex.com ("Revdex.com") on September 19, and received by Specialized Loan Servicing LLC ("SLS") on September 19, regarding fees and a loan modification for the above-referenced second mortgage accountWe
understand the account was included in a Chapter bankruptcy that was discharged on August 30, 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 dischargedOur records indicate the original principal balance of this account is $17,We have enclosed a copy of the Note and Deed of Trust for your recordsWe are committed to assisting our borrowersIf you wish to request a modification, please provide the following: • Hardship letter • Written offer • 1st lien payoff/or most recent mortgage statement • most recent paystubs • most recent bank statements • Last two tax returns Please understand this process can take some time and we require all documentation to be dated within days of the recent application or it may become too old to be considered recent informationWe are committed in assisting borrowers whom are having a financial hardshipPlease contact our Customer Resolution (CR) Department toll free ***, Monday through Friday, 6:a.mto 9:p.mMTThe CR associate will require certain financial documentation in writing in order to determine what alternative payment option(s) may be available to youIt is crucial that you complete the worksheet and forward it along with any additional documentation required to the CR Department as quickly as possibleThe financial package is enclosed for your convenienceAt this time you are not being reviewed for a loss mitigation optionThere is $assessed in fees to the account, including corporate and expense advancesFees are assessed to the mortgage loan per the terms of the Promissory Note and/or Deed of Trust /MortgagePlease refer to the Note and Mortgage for the terms regarding the assessment of feesA breakdown of fees assessed to the account is as follows: ? Broker Price Opinion fees of $billed on March 14, with a balance remaining of $? Expense Advances of $billed on July 9, with a balance remaining of $and $billed on October 27, due to foreclosure and legal fees? Corporate Advances for Short payments of $billed on December 9, and September 7, We have enclosed a copy of the payment history with the transaction codes for your review and recordsWe have researched your account and our records indicate that the fees and loan modification issues 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

(The consumer indicated he/she DID NOT accept the response from the business.)
SLS did not answer the question, "WHY" they refuse to accept payments from me
I am attaching a refusal to accept payment letter from my bank
I also called SLS, and the woman on the phone said she didnt see any refusal of payment
Why do I show the refusal of payment but SLS employees cant see anything?
WHY was my payment refused?
why can SLS employees NOT help me when I ask
questions?
YES I filed bankruptcy in 2011, but have made payments, some late payments, but still made them
and now, SLS refuses to accept my payments, question still remainsWHY??
see attached file from my bank showing "PAYEE'S REFUSAL TO ACCEPT PAYMENT"
(Fw Regarding Important Information Regarding Your *** *** * *** *** *** ***)

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 February 15, regarding the application of your December Trial Period Payment on the above-referenced
mortgage account (the “account”) Your dispute references concerns regarding the application of your October, November and December Trial Period Payments. SLS’ records indicate the following: October 9, 2017: SLS received your Trial Period Payment in the amount of $656.75;November 30, 2017: SLS received your Trial Period Payment in the amount of $656.75; On February 20, 2018, SLS identified your December 28, Trial Period Payment and applied the funds to the account effective December 28, 2017. Accordingly, SLS has confirmed the receipt of the required October, November and December Trial Period Payments. Therefore SLS sent you a letter dated February 20, (a copy of which is enclosed) with the Final Modification Agreement documents To accept the offer, you must sign and return both originals of the Modification Agreement to us by March 7, 2018. Since the Modification Agreement has notary provisions at the end, you must sign both original Modification Agreements before a notary public and return the notarized originals to us. We encourage you to make a copy of all documents for your records. If you do not send both signed originals of the Modification Agreement by the above date, you must contact us if you still wish to be considered for this program and have your loan modified 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 As part of the loss mitigation process, our records reflect that Noe (Teller ID: 11018) has been assigned as your Single Point of Contact (“SPOC”). Noe 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 1-800-306-Monday through Friday 7:a.mto 7:p.m(MST)SLS accepts calls from relay services on behalf of hearing impaired borrowersTell us why here

I called Sls yesterday and was told by the phone Rep, that she did not see the payment being rejected
I will provide a copy of the rejection letter and want to know whats going onwhy is sls not accepting my payment and then saying I'm going into foreclosure
this company is the worst
they
don't know what they are doing or what customer service means

Initial Business Response /* (1000, 11, 2015/12/03) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 24, and received by Specialized Loan Servicing LLC ("SLS") on November 25, regarding credit reporting for the above referenced
mortgage account
Our records indicate that we have previously responded to a similar request on October 23, We have enclosed this letter for your records
According to our records we have reported no late payment to the credit bureaus for the month of September We received your original dispute regarding credit reporting on October 16, 2015, with this dispute it postponed the credit reporting on this accountYour credit reporting is put on hold while this dispute is being researched, however once we have completed our research and issued a response we resume our collection and credit reporting activities per Real Estate Settlement Procedures Act guidelinesWe received another dispute from you regarding credit reporting on November 25, The reporting for this account has been further postponed due to the dispute of this letterOnce we have responded to this dispute we will then report to the credit bureaus on or about December 10, with the update to the credit bureaus and report the payments for the two months of October and November as current
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
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 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, 13, 2015/12/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are intentionally not reporting to the credit bureau and they are rude to me when I call their business
Final Business Response /* (4000, 20, 2015/12/30) */
This letter is in response to rebuttals filed with the Denver Revdex.com ("Revdex.com") on December 7, and received by Specialized Loan Servicing LLC ("SLS") on December 9, regarding credit reporting for the above referenced loans
Our records indicate that we have previously responded to similar requests for credit reporting information on October and December 2, for account *** and October and November 2, for account ***We have enclosed these letters for your records
According to our records account *** is current and contractually due for January 1, in the amount of $and account *** is current and due for January 1, in the amount of $We completed a onetime courtesy and manual update to show both loans current statusesThese updates can take up to days to be updated by the credit agencies
For future reference credit reporting is suspended during the time of a dispute while 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 status
In researching your accounts, 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.mMT
Final Consumer Response /* (2000, 22, 2015/12/31) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Checked my credit report and is now up to date

Complaint: ***
I am rejecting this response because: Hello, I have received the response from Specialized Loan Servicing
LLC (SLS). However, I am not satisfied. It's all great that they have
fixed the errors that they made, and apologized for my frustration, but
that does not rectify the problem. That being that every time I make a
payment and enclose the return receipt with lines completed for adding
the additional funds be applied to the principal, I inenevitably have to
call them. Quite frankly I do not have the time to follow up each
month and wait on hold for 20+ minutes so that they can correct the
problem, as was suggeted by the last customor service rep. I simply
would like them to appropriatley apply my payment as recorded on the
receipt sent each month with the check. Thank you again for your concern and I look forward to this problem being remedied.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: All records (audio recordings and notes on my account) have stated that I have been approved for the streamline modification program, and that it would take effect in January 2017! Approval was verified with the management and the Executive Services division. The loan is due to be modified in January to change to a year loan with a 3.5% interest rate. Please have SLS refer to both the notes and audio recordings related to this topic. I have been trying to get WRITTEN verification of all the VERBAL verifications of my participation in this program. All I am asking for is written verification of what has already been verbally agreed to by SLS on separate occasions. I do not want to get an attorney involved, but it is becoming increasingly frustrated that I can not get written verification of what I was told on multiple occasions by SLS. They just need to honor their offer and agreements.FYI - I have reached out to the CEO and CFO of SLS regarding this matter and waiting for a response from them
Sincerely,
*** ***
***

This letter is in response to a rebuttal with a complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on July 10, and received by Specialized Loan Servicing LLC (“SLS”) July 18, regarding credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request for credit reporting on July20, We have enclosed this letter for your records.Your account service transferred to SLS on February 1, and our records reflect that you were duefor the February 1, paymentWe do not report delinquencies in the month of transfer plus twomonths afterwardsYour account was paid in full and closed on March 21, Our records reflect apayment was received over days after the due date that caused a negative payment rating, but therewere no negative payments or late payments reported to the credit bureaus as delinquent for the monthsof February or March There 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 byExperian, Equifax or TransUnion 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 ***
***, 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 complaint filed with the Denver Revdex.com (“Revdex.com”) on August 8, and received by Specialized Loan Servicing LLC (“SLS”) on October 11, regarding payments and Automatic Clearing House (“ACH”) payments for the above-referenced mortgage accountThis
account service transferred to SLS on June 1, Once an account service transfers, we do notreport delinquencies in the month of transfer plus two months afterwardsAt the time of the servicetransfer you were due for the June 1, paymentOn July 1, we received the June 1, 2016payment in the amount of $which posted to your account.Our records reflect on August 4, we spoke with you regarding setting up your account for ACHpayments, but because you did not wish to disclosure your email address, we could not review the webaccount to verify if it was working correctlyOn August 4, you completed setting up this account forACH and our enclosed letter dated August 5, verifies your enrollment confirmation with the firstpayment to begin with the September 1, payment, however the ACH information is no longer in oursystem because your account when it was due for August 1, became more than days late andthe ACH information was cancelledIn order to set up the ACH payments in our system, your accountneeds to be current as it is now, as of the date of this letterIn order to set up the ACH in our system, youwill need to complete the enclosed form with your signature allowing us to set up the ACH along with yourbanking informationOn September 12, we processed the August 1, paymentWe haveenclosed a copy of the payment history and transaction codes for your records.We show that this account is contractually due for December 1, in the amount of $582.38.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