Specialized Loan Servicing, LLC

Complaint: ***
I am rejecting this response because:My Experian credit report (and likely the other ones) dated 10/10/reflects a late payment for June Please send updated information to all the credit reporting agencies to ensure that my records do not include a late payment for June because this was the time when I was attempting to correct my payment record with SLS and should not have been marked as having a late paymentI sent a payment of $3,191.48 on 6/6/because I was told by an SLS representative to hold off on sending in my payment on 6/1/because my account was being reviewedI called again a week later and nothing had been done during that time, so I went ahead and sent in my payment on 6/6/so I wouldn't be considered late for June It appears May has been rectified in my credit report, but now there is a late payment identified for June 2016, therefore, please correct that information for both me and my wife since this is a joint accountPlease find attached page from my credit report that shows the late payment notification for my SLS mortgage in June
Sincerely,
*** ***

January 20, *** *** ***
*** *** ***
*** *** *** ***
*** ** *** RE: Loan Number: ***
Dear *** *** *** and *** *** ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 12, and received by Specialized Loan Servicing LLC (“SLS”) on January 12, regarding a loan modification and foreclosure for the above referenced mortgage accountOur letter dated October 28, reflects that you were denied for a modificationWe did not receive the documents requested in the time frame allowedOur enclosed letter dated January 8, reflects you were denied a review for loss mitigation options because the scheduled foreclosure sale date was less than days from the date we received your request. We were unable to cancel or postpone the sale to evaluate your request for a foreclosure prevention option According to our records your Chapter Bankruptcy was discharged on January 5, 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. 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 aboveIf 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.mMTFinancial information and other documentation can be forwarded by mail, fax, or email as follows: *** *** *** *** ** ***, Fax: ***, Email: ***. Please include the ten-digit loan number on all correspondenceSincerely, *** ** * *** Customer Care Support Specialized Loan Servicing LLC

Initial Business Response /* (1000, 10, 2015/07/28) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on July 16, and received by Specialized Loan Servicing LLC ("SLS") on July 17, regarding the billing statements on the above-referenced
mortgage account
You have a fixed payment for your second mortgage and the payments are due on the 22nd of each monthWe are enclosing a copy of your contractual Note that states the monthly payment amount is $for payments with an estimated final payment in the amount of $Your billing statement will typically be sent on the 8th of the monthYou can also access your monthly statements on lineYour account is contractually due for August 22, in the amount of $
We do offer an Automatic Clearing House ("ACH") or auto-draft payment option for your loan typeYour loan is a Daily Simple Interest, ("DSI") loan and the amount of interest due with each payment is based on the number of days between paymentsACH is one of the best payment options for your loan type since if the payment is made at the same time each month the amount of interest billed due will not fluctuate greatlyEnclosed is an ACH enrollment form for your review
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.mMT

Complaint: ***
I am rejecting this response because: This appears to be an automated messageSLS is refusing to address the fact that none of the reps we're helpful any of the times I called, which caused us to gave to seek outside help to understand any of the letters sentNo one was ever able to answer WHY we were not approved for an extension on our loanOur perfect credit is now screwed up due to us getting no answers from your reps and having to use outside resources, which takes more time.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because:The response from SLS is not true. They are claimiming that they do not report to th credit agencies within days following serviceing transfer of an accountI made my first mortgage payment to them on 11/22/2017, according to their own recordsThis complaint was recived by SLS on 2/27/2018, which was days after my account from *** *** was transferred to SLSThis is well over the initial daysI don't know why it is so hard for SLS to report to the credit agencies that I indeed have a mortgage loan with themI am not saying that they are reporting wrong information the the credit agencies, I am saying that they are not reporting any information to themThey are basically not accepting that *** *** and I are customers of theirsThis is absurd, we obviously areThis is negatively affecting both my ex wife's and my creditUnfortunately for both of us, we are both looking for a mortgage company to buy another houseTherefore, maintaining a good credit score is vital at this timeSLS is now giving the excuse that they can not report due to this very complaint being openedIf this is true, why did they not report during the day window after the initial days expired? I no longer trust SLS to do what they sayI had no lss than calls with their associates that assured me that this would be taken care ofListen to the calls SLS, I was on a recorded lineI am not letting this goI will take the next step unless this problem is resolved immediately
Sincerely,
*** ***

This letter is in response to a rebuttal with a complaint filed with the Denver Revdex.com(“Revdex.com”) on November 10, and received by Specialized Loan Servicing LLC (“SLS”) November 30, regarding credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to a request regarding credit reporting onNovember 23, We have enclosed this letter for your records.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 acourtesy.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, 9, 2015/07/31) */
Dear *** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on July 17,
and received by Specialized Loan Servicing LLC ("SLS") on July 21, regarding Flood
insurance for the
above-referenced mortgage account
SLS is the current servicer of your mortgage loan, which was transferred to SLS for servicing on February
4, Furthermore, per the prior servicer payment history, insurance was not escrowed by the prior
servicerA Copy of this payment history is enclosed for your review
After review of our records we confirmed that your property is located in a mandatory flood zoneIn
addition, the documentation you provided does not include and apartment numberIf you feel like this
information is incorrect you will need to dispute this issue directly with Federal Emergency Management
Agency (FEMA)
An escrow analysis was run on July 14, Enclosed is a copy of the Escrow Account Disclosure
StatementThis statement provides current information in regards to the escrow balance, projected
payments and the new monthly payment breakdown for the next twelve (12) months
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 1-800-
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, 11, 2015/08/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
1- My previous lender paid my home insurance, so how could SLS not pay it? I sent in my documentation multiple time, and each time I called I got a different story from each represntative
2- The documentation IS FROM FEMA and it indicates our whole propertyIt is for all eight of our units (furthermore, how could one out of the eight adjacent units be in a flood zone, while the others ones are not?)
Final Consumer Response /* (4200, 28, 2015/08/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My issues have still not been reviewedThe attachment 'Revdex.com- X XX XX", clearly was not reviewed by Ashley ID #
Issue #
The letter dated from SLS on 7/30, provided me the prior mortgage payments from my previous companySLS clearly indicates that my former company, Midwest Loan Services, did not pay my homeowner's insuranceHowever, on page of what they provided me, it clearly shows that Midwest paid my Homeowner's insurance (circled)Also the most recent escrow analysis factors in the Homeowner's insurance into its calculation, dated 7/So SLS determined that insurance was in escrow BEFORE SLS responded to me, however, Ashley did not recognize the escrow for Homeowner's insurance
Issue #
The Standard Flood Hazard Determination I provided (that I received from the townhouse association) clearly indicates that all of our eight units are not in a flood zoneThus, none of my seven other neighbors have flood insurance nor does the master policy have flood insuranceFurthermore, a neighbor refinanced in June and flood insurance was still not requiredWe are adjacent to the flood zone which is seen by the map I provided from my town of DunellenI also provided this information to both an Allstate agent (when obtaining a quote) as well as Quicken, and BOTH agreed that my property is not in the flood zone (these are in separate attachments)SLS/Ashley said in the response that if I have any issues with the FEMA determination I should dispute it directly with them, however, I agree with their determination on the Standard Flood Hazard DeterminationHow can in a small townhouse complex of eight units, only one unit would be required to have flood insurance when all units are NOT in the floodplain?
Final Business Response /* (4000, 35, 2015/09/10) */
Dear *** ***,
This letter is in response to your rebuttal the case filed with the Denver Revdex.com ("Revdex.com") on July 17, and received by Specialized Loan Servicing LLC ("SLS") on July 21, regarding Flood insurance for the above-referenced mortgage account
Our records indicate that we have previously responded to a similar request with our correspondences dated July 29, 2015, August 12, and August 19, 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
Our records indicate that you also submitted a correspondence to the Consumer Financial Protection Bureau ("CFPB") with regards to this loan which was received by SLS on August 13, Please note that all the concerns raised in the Revdex.com complaint will be addressed in the response sent to the Consumer Financial Protection Bureau ("CFPB")
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:

(The consumer indicated he/she DID NOT accept the response from the business.)
After months, I just learned from their response to Revdex.com that there was no check after all but instead, a "bulk wire payment." Why didn't they say that to me the many times I calledI wasted my time with SLS and they didn't have the courtesy to write a letter or an e-mail stating the above
I would like SLS to write a letter to me explaining what they just explained in the Revdex.com responseI will then bring that letter to my Town HallThis is the least SLS can do to rectify their lack of consideration in regards to my efforts in resolving this issue since August, I had to take extreme measures to get to the bottom lineThis is no way of doing business and expect to have good customer care ratings

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on November 14, and received by Specialized Loan Servicing LLC (“SLS”) on December 9, regarding billing statements on the above-referenced mortgage account.Our records indicate that we have previously responded to similar requests regarding the billingstatements and service transfer on November and December 8, We have enclosed theseletters for your records.Our records indicate that you filed a Chapter bankruptcy which was discharged on August 9, SLSis obligated under federal bankruptcy law to comply with the requirements of the Automatic StayThisinformation is provided in response to your request and does not constitute a demand for paymentSLSis a third party loan servicer on behalf of the current investor; SLS does not own the loanSLS onlyservices this loan according to the terms of the original signed note.In reference to your request regarding monthly billing statements, SLS is obligated under federalbankruptcy law to comply with the requirements of the mandatory discharge injunction, which includes aprohibition on the issuance of monthly billing statements on accounts in bankruptcy discharge status.This account is contractually due for January 1, in the amount of $2,477.37.However, SLS is initiating a program in January where borrowers with accounts in that status mayreceive monthly statements upon written request and authorization to SLSWe have made arrangementsto facilitate early enrollment in this program for you in response to your requestYou may complete andreturn the enclosed form and SLS will process this request and begin issuing statementsIn themeantime, please know that you may contact our Customer Care department at the number listed belowat any time to obtain information regarding your account.Additionally, if you would like to continue to make voluntary payments to the above referenced mortgageaccount, you may use the following payment options:? Pay over the phone by calling *** ? Pay by regular mail at *** *** *** *** ** *** ? Pay by overnight mail at *** *** *** *** *** *** *** ** *** In researching your account, we have found no errorsYou have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Mondaythrough Friday, 8:a.muntil 5:p.mMT

Dear *** *** and *** ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on February 16, regarding loss mitigation activity on the above-referenced mortgage account (the
“account”) Your dispute references concerns regarding your conversations with SLS’ representativesSLS’ records indicate the following conversations regarding the return of the signed final modification agreement: December 14, during a phone call you were advised that SLS sent you the final modification agreement dated December 8, and SLS required the signed documents to be returned to SLS by December 22, 2017;December 26, during a phone call you were advised that SLS has not received your signed final modification agreement and you indicated you mailed the documents on December 22, 2017;December 28, during a phone call you were advised that SLS has not received your signed final modification agreement;January 2, during a phone call you were advised that SLS has not received your signed final modification agreement;January 3, SLS sent you an additional copy of the final modification agreement via United Parcel Service (“UPS”) tracking number 1ZF6653Y0296955912. The UPS website indicates the package was delivered on January 5, 2018. You were provided the return label UPS tracking number 1ZF6653Y8796559932; the UPS website does not indicate the return label has shipped;January 3, during a phone call you were advised that SLS has not received your signed final modification agreement and an additional copy was mailed to you;January 8, during a phone call you were advised that SLS has not received your signed final modification agreement and an additional copy was mailed to you;January 8, SLS sent you an additional copy of the final modification agreement;January 29, during a phone call you were advised that SLS has not received your signed final modification agreement;February 7, during a phone call you were advised that SLS has not received your signed final modification agreement;February 9, during a phone call you were advised that SLS has not received your signed final modification agreement;February 12, during a phone call you were advised that SLS has not received your signed final modification agreement;February 15, during a phone call you indicated that the Single Point of Contact (“SPOC”) advised you the modification documents were received. You were advised that SLS has not received your signed final modification agreement; SLS’ records do not indicate a conversation during which you were advised that SLS received your signed final modficiation documents. SLS sent you a letter dated February 9, (a copy of which is enclosed) advising that SLS was unable to finalize your modification because SLS did not receive the fully executed modification documents 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

Specialized Loan Servicing LLC (“SLS”) has received your complaint with the Denver Revdex.com on April 5, regarding the above referenced mortgage accountYour Qualified Written Request (“QWR”) is currently under review for the following reason Additional research is needed
regarding the 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

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on February 7, and received by Specialized Loan Servicing LLC ("SLS") on February 7, regarding the removal of the Private Mortgage Insurance ("PMI") for the above referenced mortgage accountWe
received your request for the PM/I removal on this account and you were approved to have the PMI removed from the escrow accountOur enclosed letter dated February 9, informs you that we are currently in the process of removing the PMI from your accountAccording to the Homeowner’s Protection Act ("HPA") regulations; we have days to complete and remove the PMI from this accountThere is nothing else you need to doWe have researched your account and our records indicate that the PMI removal 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

Dear *** *** and *** ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on February 8, regarding your October verification of debt request on the
above-referenced mortgage account Your dispute references concerns regarding your October request for verification of debt. SLS’ records show we sent you a letter dated November 14, addressing your concerns Your dispute requests that SLS remove negative information from the credit report. After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accurately. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they were received. As a result, we are unable to accommodate your request to change that reporting We have researched your account and our records indicate that the servicing activity described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

Initial Business Response /* (4000, 17, 2015/12/23) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated December 14, and received by Specialized Loan Servicing LLC ("SLS") on December 16, regarding an overpayment for the above referenced
mortgage account
Our records indicate that we have previously responded to a similar request for an overpayment on December 17, We have enclosed this letter for your records
After review of our records we have confirmed that an active Consumer Financial Protection Bureau, ("CFPB") was in process at the time of our responseOur records indicate the CFPB review is being completed and a response will be addressed and sent to you regarding the overpayment with the CFPB complaint
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 ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT
Initial Consumer Rebuttal /* (4200, 19, 2015/12/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have received a phone call from *** ID # *** Executive Services department who stated on a recorded phone call to me that SLS does owe me $but a check was never issued or sent outShe advised me on the recorded phone call on 12/22/that she would be calling SLS accounting department to see why the check for $has not been sent out and see if she could get that sent out next day airIt's been days now and I have not been contacted back by *** ID# ***It is now 12/24/and I have called *** at *** and left a messageSLS either needs to retrain all their employees or stop smoking so much weed there in Colorado or bothThey obviously have to clue to what they are doingBy reading all the complaints online about SLS I don't see how the Attorney General doesn't shut them downIt's now been days since my loan has been payed in full and this money has been owed to meThere has to be some type of time constraints on when they must get this money due to meI have included the Payment history that SLS has sent to me clearly showing the owe me this money
Final Business Response /* (4000, 21, 2016/01/06) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated December 14, and received by Specialized Loan Servicing LLC ("SLS") on December 16, regarding an overpayment for the above referenced mortgage account
Our records indicate that we have previously responded to a similar request for an overpayment on December and December 21, We have enclosed our previous letters, for your records
According to our records, this account was paid in full on October 14, and is closed the account reflects a zero ($0.00) principal balanceA copy of the lien release will be recorded with the county within days
We issued reissued you a refund in the amount of $2,on December 23, We sent this check overnight, UPS tracking number ***, to the mailing address on fileWe show this check was delivered on December 24, about noon timeIf for any reason you did not receive this check, please contact us immediately at the telephone number listed below
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 ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT
Complaint Response Date bumped because: Data Base Migration

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 October 25, regarding an extension request for the above-referenced mortgage
account With regard to your concerns a review of SLS’ records indicates on September 15, 2017, during a phone call you requested an extension on the account, and you were advised your next payment was due on December 1, 2017. On September 21, 2017, SLS determined that we were unable to process an extension on your account due to your Investor’s requirements On October 30, 2017, SLS received funds in the amount of $4,which were applied to the October and November 1, 2017, contractual monthly payments. Regrettably, SLS is unable to offer an extension on the account. However, SLS is able to extend an offer for a forbearance of the December contractual monthly payment. Please contact SLS at the number below for further information regarding the offer We regret any inconvenience you have experienced. The matter has been referred to management for review 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 borrowers

(The consumer indicated he/she DID NOT accept the response from the business.)
Since SLS does not seem to want to move on this issue, I am asking the Revdex.com for arbitration in this manner to refund any money paid for insurance after the loan was paid down to zero in May of plus the cost of said arbitration

This letter is in response to a rebuttal with the complaint filed with the Denver Revdex.com(“Revdex.com”) on January 1, and received by Specialized Loan Servicing LLC (“SLS”) on January 23, regarding the bankruptcy reaffirmation and servicing of the above referenced mortgage
account.Our records indicate that we have previously responded to similar requests regarding the bankruptcyreaffirmation on December 22, January 12, and January 20, We have enclosed these lettersfor your records.We have responded to your concerns with our previous responses regarding all documents that wereprovided with our response to the Consumer Financial Protection Bureau (“CFPB”) are encrypted to protect the information and privacy provided information.SLS would need a copy to verify and validate the court documents if the reaffirmation was completed, butthis loan was not reaffirmedThat is why our response to the CFPB included a copy of the bankruptcydocuments to support it was not reaffirmed for your recordsMaybe that was your intention at that time,but it was not completed at the time of your Chapter BankruptcyWe apologize for any confusionregarding this matter.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 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 1-800-315-4757, 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 mePlease have SLS mail me an updated invoice reflecting my January payment due ($883.77) and I will gladly pay it
Sincerely,
*** ***

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) dated and received by Specialized Loan Servicing LLC (“SLS”) on July 8, regarding payments and credit reporting for the above referenced mortgage account.Our records reflect the monthly payments are
$3,and are due the first of each month with a daygrace periodWhen a payment in less than the amount due is received, the funds are placed in theunapplied funds suspense accountThe funds wait in the unapplied funds suspense account until morefunds are postedWhen an amount equal to a contractual billing is in the unapplied funds suspenseaccount it will then post to the most delinquent contractual billing due.There was an escrow surplus and we sent you a refund in the amount of $5,on April 1, Onthe April 1, our billing statement went out showing a lower payment that what was originally duebecause we sent you a refund and was in the process of running a new escrow analysis reflecting thecorrect paymentWe completed a new escrow analysis on May 18, that reflects the total amountdue of $3,On April 29, we received your payment in the amount of $2,which wasthen short for the total payment due of $3,We then put the $2,in the suspense accountuntil June 6, we received a payment of $3,with the funds from suspense to complete theMay 1, payment due with $2,that posted to the suspense accountOn June 6, wereceived a payment in the amount of $and the funds in suspense to complete the June 1, 2016payment and we also waived the late fees as a onetime courtesy of $on June 9, On July 1,we received a payment in the amount of $and the balance left in the suspense account tocomplete the June 1, paymentOn July 5, we received a payment in the amount of $3,191.48to complete the July 1, paymentWe have enclosed a copy of the last escrow analysis, paymenthistory, and our transaction codes for your review and recordsPlease accept our apologies for anyconfusion this has caused.After a review of our records, we found that we are reporting credit information to the credit reportingagencies correctly and have not discovered any inaccuracies in the information we haveIn accordancewith the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they were received; therefore credit cannot be corrected to the credit bureaus as a courtesy.This account is current contractually due for the August 1, payment in the amount of $3,191.48.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

Initial Business Response /* (1000, 6, 2015/06/02) */
Dear *** *** *** and *** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 19, and received by Specialized Loan Servicing LLC ("SLS") on May 26, regarding an
insurance claim 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 request and does not constitute a demand for payment
Our records indicate that we have previously responded to a similar request with our correspondence dated May 29, A Copy of this letter is enclosed for your reviewPlease note that Specialized Loan Servicing LLC ("SLS") has complied with your requests for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your loan, please contact our Customer Care Department
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, 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.mMTor TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT