Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on March 6, and received by Specialized Loan Servicing LLC ("SLS") on March 5, regarding additional funds during a payoff on the above-referenced mortgage accountOur records reflect that is
account was paid in full on February 28, with a zero principal balanceOn March 15, 2018, we issued a refund check to you in the amount of $for overpayment from the escrow accountWe enclosed a copy of the recorded lien release for your recordsAccording to our records, you had filed a similar request with the Consumer Financial Protection Bureau ("CFPB") that was received on March 2, This written request was addressed with the CFPB complaint dated March 16, We have enclosed the response for your recordsWe have researched your account and our records indicate that the additional fund during a payoff 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.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

Initial Business Response /* (1000, 6, 2015/11/09) */
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on October 30,
and received by Specialized Loan Servicing LLC ("SLS") on November 2, regarding the status
of the Request for Mortgage
Assistance ("RMA") for the above referenced mortgage account
Our records reflect the above account transferred to SLS for servicing effective July 1, Though
requests for documentation may seem redundant, the account investor may ask for current or more
comprehensive information at any timeThis is in addition to information that may have appeared
completed previouslyAdditionally, documents may be invalid due to their not be signed, or not being
completed correctlyAs this process can take some time and all documentation needs to be dated within
the ninety (90) days of the most recent application this can result in a request for updated documentation
Please do not ignore any request for information
At this time the last note on your account, dated October 30, 2015, from the Customer Resolution
Department indicates the following is being requested:
Need updated RMA with self-employment income in the correct spot
Need tax return which is signed and dated, as we cannot use a transcript
Once all of the documents are received and are reviewed you will receive a decision package under
separate coverOur records show that on November 4, 2015, we received new documentationThe
documentation has been forwarded to the proper department, for review
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 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.mMTYou may also contact your assigned Relationship Manager/Single
Point of Contact ("SPOC"), Dedra (Teller ID: XXXXX) by calling X-XXX-XXX-XXXXFinancial information and
other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as
follows: P.OBox XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: ***@sls.netPlease
include the ten digit loan number on all correspondence
Initial Consumer Rebuttal /* (3000, 8, 2015/11/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
THE REASON IS THE RESPONSE THEY MADE SEEMS LIKE IT WAS ALL MY FOUGHT THAT THIS PROCESS WENT THE WAY IT DID.NO IT WAS THEIR FOUGHT, BECAUSE I ALREADY HAD APPLICATION IN WITH CHASE MORTGAGE COMPANY I HAD NO CLUE THAT THEY WHERE GOING TO TRANSFER THIS OVER TO SLS UNTIL I RECEIVED A LETTER IN THE MAIL FROM SLS SAYING THAT IT WILL BE TRANSFERRED OVER TO THEMTHEN I CONTACT CHASE THEY HAD NO IDEAL WHAT I WAS TALKING ABOUT, SO I CALLED SLS TO SEE WHAT WAS GOING ON.THEY TOLD ME THAT I WILL RECEIVED INFORMATION IN THE MAIL WITH MY ACCOUNT NUMBER, SO I DID GET THAT LETTERI CALLED CHASE AGAIN THEY SAID YES THE COMPANY SLS WILL BE HANDLING THIS APPLICATION YOU SENT TO US WE WILL FORWARD IT TO THEM AND THAT I ONLY WAS MISSING ONE DOCUMENT THAT WAS MISSING, SEND IT OVER TO THEM AND YOUR APPLICATION WILL BE COMPLETENO THAT DIDN'T HAPPEN THAT'S WHEN THE PROBLEM STARTED THEY WANT ME TO SEND A NEW APPLICATION PLUS OTHER DOCUMENT FOR THERE RECORD BUT EXPLAIN TO ME WHAT ALL THEY REALLY NEED AT THAT TIME, SO THAT THE PROCESS COULD RUN MUCH SMOOTHER THAN IT DID I CALLED AT LEAST ONCE A WEEK IF NOT TWICE TRYING TO KEEP UP WITH EVERY THING THAT THEY NEEDED BUT IT BECAME SO UPSET TO WERE I BECAME DEPRESSED, NO ONE NEVER TOLD ME TO SEEN IN EVERYTHING I NEEDED TO SEND AND HOW THEY WANTED IT TO BE ARE SAY,INSTEAD THEY WOULD SAY THINGS LIKE YES WE RECEIVED THE FORM BUT NOW WE NEED ANOTHER FORUM OKAY SENT THAT FORM CALL THE NEXT WEEK , WE RECEIVED BUT UNDERWRITER REJECT IT, PLUS WE NEED ANOTHER FORUM, FIRST THING FIRST I SENT A COMPLETE APPLICATION IN TO CHASE WITH THE SAME FORUMS THEY WERE ASKING FOR.THE BIG PICTURE IS EVERYTHING SHOULD HAVE BEEN EXPLAINED AND VIEWED BEFORE ASKING ME TO SEND IN A DUPLICATE DOCUMENT, THAT CHASE ALREADY HAD SENT THEMEVERY DOCUMENT THAT WANTED AND HOW THEY WANTED WAS COMPLETED AND DONE AFTER I TALK COMPLAINED TO Revdex.com,BUT BEFORE THAT MY POINT OF CONTACT REALIZED THAT THEY HAD TO BE MORE SPECIFIC ON HOW THE DOCUMENTS I WAS SENDING IN AND THE ERRORS I MADE WAS OVER LOOK FOR TO MANY MONTHS.IT SHOULDN'T TOOK THAT LONG TO FIGURE OUT ARE MY ANGER SHOULD HAVE NOT MADE THEM LOOK IN TO THIS MATTER SO LATE.THIS IS WHAT CAUSED ME TO BE SO FRUSTRATED WITH THIS COMPANY
Final Business Response /* (4000, 14, 2015/12/01) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on November 11, and received by Specialized Loan Servicing LLC ("SLS") on November 13, regarding a loan modification for the above referenced loan
Our records indicate that we have previously responded to similar requests regarding the status of the loan modification on November and November 17, We have enclosed these letters for your records
According to our enclosed letter dated November 17, 2015, we listed in detail the missing documentation needed to complete the loan modification reviewAt any time you can always contact our customer service representatives who will be able to assist you on the status or clarification of a loan modification or missing documents and how they need to be completed
Our enclosed letter dated November 25, reflects that you were denied for a modification as we could not create an affordable payment without changing the terms of your loan beyond the limits of the program
At this time, if you had a change in circumstance in your income or expenses, you will need to complete a new financial package; however, we cannot guarantee that the outcome will yield better results than the last offerYou may wish to call our representatives at the telephone listed below before completing another financial package in order to be sure that this would be the best option for you at this timeWe have enclosed a financial package for your convenience
When there is an offer for a loan modification it does not automatically reduce the interest rate or the payment amount or offer debt forgiveness, as the intent is to bring the account current and to avoid foreclosure with an affordable payment based off the guidelines of available programsWe must work within the parameters of your investor's guidelines and the guidelines of any available programs
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 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.mMTYou may also contact your assigned Relationship Manager/Single point of Contact (SPOC), Dedra (Teller ID: XXXXX) by calling X-XXX-XXX-XXXXFinancial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.OBox XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: ***@sls.netPlease include the ten-digit loan number on all correspondence
Final Consumer Response /* (2000, 16, 2015/12/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
the reason I accept this proposed resolutionno matter what complaint I have against this company will never be resolvebut I still beleive, if the first application with chase that was transfer over to sls was accepted, problem would have been resolved earlyat least my past due wouldn't be as much as it is now out of my control, and it seem like it's nothing sls can do for me at this pointso now I will be loosing my home and home base for my business
the time the loan was past due less amount than the past due now,I could have avoided such a big amount

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on December 19, and faxed correspondence dated December 15, received by Specialized Loan Servicing LLC ("SLS") on December and December 18, regarding the escrow shortage and payment on
the above referenced mortgage accountThis account service transferred to us on November 25, This account is currently escrowed for homeowner’s insurance and property taxesAt the time of the service transfer, a $balance was transferred to your escrow accountOn December 14, we paid the additional amount of $1,for property taxes to *** CountyOn November 27, we completed the annual escrow analysis on your account that reflected an escrow shortage of $3,that will go into effect on January 1, On December 6, you contacted our customer service agent regarding your escrow account and shortageWe informed you that since this was new construction the prior taxes were based on only the land and not the propertyOn December 14, you contacted our customer service representative regarding the escrow shortage and you were going to send in proof of payment that the title company was paying the taxes with a check sent on January 27, On January 20, you contacted SLS to follow up on the check that was sent that was not applied to the escrow shortageOn December 18, we received your original faxed complaint with a copy of the check that was sent to Specialized Loan Servicing; however the copy of this check is not clear and legibleWe will need a legible copy of the front and back of this check in order to review this paymentOnce we receive a legible copy, we will further review your payment requestWe have enclosed the escrow analysis and a copy of the payment history with the transaction codes for your recordsWe have researched your account and our records indicate that the escrow shortage described in your dispute was not in errorWe trust that we have responded to your concernsYou have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your referenceIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") and received by Specialized Loan Servicing LLC ("SLS") on September 28, regarding county taxes on the above-referenced mortgage accountWith regard to your concerns, a review of SLS’ records
indicates on August 31, the account was updated to reflect the correct county parcel number, and funds in the amount of $1,were disbursed from your escrow account for the county taxesSLS’ records indicate on October 2, funds in the amount of $1,were refunded to your escrow accountSLS is unable to accommodate your request for stipulations outside those of your loan documents and applicable lawA copy of SLS’ payment history with transaction codes is enclosedWe regret any inconvenience this may have causedIf 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

They have taken care of the problem, thank you

Initial Business Response /* (1000, 11, 2015/09/10) */
Dear *** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 26, and received by Specialized Loan Servicing LLC ("SLS") on August 28, regarding escrow on the
above-referenced mortgage account
A new escrow analysis was run on September 1, our records show that the escrow analysis reflected a shortage of $An escrow shortage is created when the anticipated escrow balance at the time of the escrow analysis is less than the estimated required balanceWe must collect enough to establish the required balance to pay taxes and insurance in a timely mannerAdditionally, as allowed by law, we have the option of collecting up to two months' of escrow as a cushionSLS elects to collect this cushion
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
Our records indicate that we received your clients' preferred policy declarations page information on August 3, and our records were updated accordinglyFurthermore, our records show that although one of the tax lines has decreased the other tax line had increasedTherefore, we are unable to comply with your request to refund any funds at this time
Our records do not show that there are any fees assessed to the accountA payment history is enclosed for your review
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 ariseIn addition, any agent can assist you with any questions or concerns you may have
In researching the 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, 2015/09/21) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Your response to my Revdex.com case is unsatisfactoryThe documentation supplied was uselessThe Payment History provided in your enclosure is for Nelia Mayo in Hibbing, MNI'm pretty sure that customer would not be happy that their account details were carelessly distributedI can only dread where my account detail ended upTherefore I am unable to verify or dispute the charges such as the Condo fees that have been discussed with me in telephone conversationsI am unable to verify correct and timely posting of credit for refunded Cook County TaxesI am unable to verify that the Forced Hazard Insurance has been cancelled and a prorated refund given to the account
Three issues:
You have not given written notification that the Forced Hazard Insurance has been cancelled and a prorated refund given to the accountYou do show that you paid for the new H/O Insurance policy from the escrow account in July
Most importantly, I am unable to verify anything with the Payment History provided in your enclosure; mainly because you provided the payment history for Nelia Mayo in Hibbing, MN
Your projected payment for Taxes is wrongI have provided documentation that the property taxes will be substantially lowerAdditionally, credits have been posted to the escrow account for refunded taxes
In spite of you not finding any errors, there are still issues to be resolved I continue to be unsatisfied with the handling of the account
Final Business Response /* (4000, 32, 2015/12/02) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on November 23, and received by Specialized Loan Servicing LLC ("SLS") on November 24, regarding the refund on the above-referenced mortgage account
Our records indicate that we have previously responded to similar requests for information on September 9, September 28, and November 13, We have enclosed these letters for your records
Our records show that we received a refund for the lender paid insurance for this account and on October 2, we issued a refund in the amount of $with check number XXXXXXXX to the borrowers at the subject propertySince you have not received this check, on December 1, 2015, we are in process of issuing a stop pay in order for this check to be reissuedWe will be mailing this check to the property address listed above: XXXXX S *** Ave., *** IL XXXXX
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
Final Consumer Response /* (4200, 34, 2015/12/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Once the check has been received and cashed by *** *** the issues will have been resolved and we will be satisfied with the resultsUntil then we won't be able to say we are satisfied

Dear *** ** ***, This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on June 2, regarding the lien release for the above-referenced mortgage account A review of SLS’ records indicates the letter dated May 24, in response to the Consumer Financial Protection Bureau (“CFPB”) Case no*** advised as follows: Our records reflect the account was included in the Chapter discharge granted in 2009. Please note, although the account was included in the bankruptcy discharge, the right to enforce the lien against the collateral property was not discharged in the bankruptcy proceeding. Therefore the lien remains outstanding on the property SLS’ records further indicate we received your settlement offer on May 30, 2017. Accordingly, the enclosed letter dated May 30, advised that SLS had been authorized by your Investor to accept a “Short Negotiated Payoff” in connection with the above-referenced property, to release the lien secured by its Deed of Trust, and to release you subsequently from liability under your promissory note, Mortgage or other Security Instrument, contingent on the fulfillment of the conditions listed below: Return of signed enclosed acknowledgement of the approval letter by fax The minimum net proceeds approved of $11,must be received in our office before close of business on June 29, 2017; however SLS will continue to make disbursements on the above-referenced property, for items such as taxes and insurance, which may increase the minimum net proceeds required, at which time SLS may send an updated approval letter reflecting the increased minimum net proceeds required to close the account We have researched your account and our records indicate that the servicing activity described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference If you have any questions regarding this information, please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is response to a complaint filed with an unauthorized third party with the Denver BetterBusiness Bureau (“Revdex.com”) on May 12, and received by Specialized Loan Servicing LLC (“SLS”) onMay 12, regarding account balance and payoff on the above-referenced mortgage account.Our records
indicate that the foreclosure sale date has been set for June 1, We have enclosed acopy of the payoff quote requested dated May 23, that expires on June 1, The total amount topay off this account is $32,At this time this account is due for the December 1, payment inthe amount of $with a total due amount of $3,to bring this account currentWe haveenclosed a copy of the payment history and transaction codes for your records.We have enclosed our letter dated May 1, requesting documentation for this accountWe onlyreceived the Death Certificate to update this accountWe will need the documentation to support thename of the executor or personal representative.SLS does not do balance adjustments without proper documentation to support missing payments.Please review the payment historyIf there are missing payments or a discrepancy, you will need to sendin documentation with a written request.Our records indicate that we have not received authorization to speak with Terrell WatsonTherefore, weare directing our response to the Estate of.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

Dear *** *** *** *** *** ***, This letter is in response to a complaint filed with the *** Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on August 8, regarding late fees and the application of payments for the above-referenced
mortgage account With regard to your concerns, a review of SLS’ records indicates on January 20, the $payment from November was applied to your account effective November 16, 2016, the date the payment was received. It had been misapplied inadvertently. All subsequent payments were reversed and reapplied accuratelyWe regret this inconvenience On August 9, your account was updated so the June, July and August contractual monthly payments are indicated as paid as agreed, and your payments have been applied to the account. A credit update was submitted on August 18, indicating the June, July and August contractual monthly payments as paid as agreed. This update was 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. No late charges were assessed to the account as a result of the June, July or August payment In compliance with the laws of the State of *** ***, enclosed is the following information: • Your account is currently due for September 1, in the amount of $264.95; • The current principal balance of the loan is $0.01; the deferred principal balance is $422.36; • There are no funds held in suspense; • The escrow balance as of today is $1.05; Note Holder Contact Information: *** *** *** *** *** *** *** ***, not in its individual capacity, but solely in its capacity as Owner Trustee for ** ** *** *** *** *** ** *** *** *** ***
*** *** ** *** As SLS is the servicer on behalf of the current owner, all correspondence should be directed to SLS 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

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 3, and received by Specialized Loan Servicing LLC ("SLS") on August 3, regarding a settlement agreement on the above-referenced second mortgage accountThis account service transferred
to SLS on October 1, SLS received a Request for Mortgage Assistance ("RMA") on January 27, to review for loss mitigation optionsWe sent a letter on January 29, requesting additional documentationWe needed a completed Dodd Frank Certification, hardship verification, a correctly completed RMA, and a listing agreementWhile we received additional information, it was not completed correctly or was incomplete, based on the industry standards by which SLS must complyOur letters dated March and March 19, were reminders to submit the additional documents requestedBecause we did not receive the documents requested by April 4, we sent a letter indicating we had been unable to evaluate your request for loss mitigationOn May 1, and September 1, we sent offers for pre-approved loan modification agreements, which were not executedThe second lien with SLS was not part of the foreclosure sale with *** ***On September 17, and October 28, you contacted SLS regarding the second loan, and you indicated your belief that the second lien was settled with the settlement of the first mortgageWe advised of the status of the loan and provided available workout optionsWe sent solicitations for mortgage assistance on November 14, and again on March 24, Our records reflect this account was charged off March 25, At that time the account was due for March 20, Our records reflect that on May 14, you were approved for a Structured Settlement Agreement with a new payment of $and a zero interest rate for the remaining term of the loanWe received your signed agreement on May 20, A copy of this settlement is enclosed for your recordsBased on the settlement, we are reporting a declining balance to the credit bureaus and have determined there is no error in credit reportingIn accordance with the Fair Credit Reporting Act ("FCRA"), SLS is required to report payments accurately as they were received and are unable to amend credit reporting as a courtesyOn April 25, we received your hardship letter and offer of settlementWe spoke with you on July 31, 2017, August 1, 2017, and August 3, to inform you of the documents we needed in order to complete our review of your settlement offerWe require days of unedited bank statements, including all pagesTo date, we have received only a one-month summaryDuring our last telephone conversation with you, you were advised we need the full statements for the accounts ending in *** *** *** *** ***Please provide this information if you wish us to continue review of your settlement offer.As indicated, we are unable to release this lien based on the current unpaid principal balance of $26,At this time you are contractually due for the August 20, payment in the amount of $We have enclosed a copy of your payment history and our transaction codes for your recordsIf you have any questions regarding this information, please contact our Recovery Department toll free at ***, Monday through Thursday, 6:a.muntil 9:p.mMT, Fridays 6:a.muntil 6:p.mMT and Saturdays 7:a.muntil 11:a.mMT

Complaint:
I am rejecting this response because:Unfortunately, we our still trying to settle our issue with SLSThey have not reached out to us in regards to the lien that is still on the titleIt has been very difficult getting answers from the companyWe have called on several occasions to speak to someone directly who is handling the dispute but have been unsuccessful due to long holds over the phoneAs far as we've been informed our dispute claim is pending review and the process can take up to a month or more of which we don't haveSLS has not yet confirmed wether or not they will be removing the second lien on the property that was included in a Chapter Bankruptcy which was discharged in
Sincerely,
*** ***

This letter is in response to your correspondence from the Revdex.com Denver/Boulder datedJune 8, regarding the loan modification for the above referenced mortgage account.A retention package was sent to you on May 20, advising you of missing documentsPlease haveall missing documentation back in office by July 18, in order to be reviewed for possible lossmitigation optionsA copy of your retention package is enclosed for your review.In compliance with the laws set forth by the state of *** ***, enclosed is a copy of your signedNote as well as your payment history for the above referenced loan, along with the following information:? This account is currently due for June 20, in the amount of $? The current principal balance due is in the amount of $5,? There are no funds held in a suspense account? There is no escrow account associate with this account Note holder contact information:Current Creditor: *** *** *** ***, as Indenture Trustee of the *** HomeEquity Loan Trust *** *** *** *** *** *** ** ***As we are the servicer of the loan on behalf of the current creditor, correspondence regarding this loanwill be handled by SLS.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 November 9, and received by Specialized Loan Servicing LLC ("SLS") on November 9, regarding the servicing of your account and the escrow account on the above referenced mortgage accountWe understand the account was included in a Chapter bankruptcy that was discharged on July 10, 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 dischargedFor your information, the account is currently due for the December 1, contractual monthly paymentThis account service transferred to SLS on December 15, SLS is a third-party servicer, contracted by your investor to service this loan by the terms of the original loan documentsOn November 1, we received a renewal bill from *** *** *** with a premium due of $On November 1, November 3, and November 10, we sent requests to this carrier to update the mortgagee clause for this accountWe spoke to you on November 3, about the change in your homeowner insurance to *** *** *** and the updated premiumWe spoke with you next on November 9, and advised that a new escrow analysis could be conducted once the new policy took effectOur records reflect that the new policy was added and paid on November 13, in the amount of $SLS strives to ensure courteous and expeditious 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 unsatisfied with the servicing of your accountIn 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 aboveIf 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

Complaint: ***
I am rejecting this response because SLS admits in the response that the account was paid in full on March 18, HOWEVER, it has been two months and they still have not update my credit reports to show that it is paid off in fullAND they are stating that it will take an additional 60-days to report my account as paid off in fullThis will be or months after the account has been paid off in fullHow is that legal? They need to update the account information with the credit agencies now
Sincerely,
*** ***

Initial Business Response /* (1000, 12, 2015/09/10) */
Dear *** S***,
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 18, regarding payments made on the
above-referenced mortgage account
After review of our records we confirmed that all payment have been applied to the account in accordance to the Note and Mortgage/ Deed of TrustA payment history is enclosed for your reviewIf after reviewing the payment history you are still disputing payments made, please submit supporting documentation with the specific discrepancy, including providing us with a detailed letter explaining your request or contention and what resolution you would like us to undertake
If you wish to have additional funds applied to the unpaid principal balance please provide us with a detailed letter explaining your request at the time funds are sent
In researching the 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 /* (4200, 15, 2015/09/11) */
***Document Attached***
I received a letter from Specialized Loan Servicing that simply stated that their "records confirmed that all payment have been applied to the account in accordance to the Note and Mortgage/Deed of Trust." They enclosed a payment history
I have attached a detailed example of how my account has been handledAs you can see, I overpaid my monthly payment on the "SLS XX-XXXX.pdf" statementI continued to pay extra each month then realized that they weren't applying my payments to principal and called them in May The attached "SLS XX-XXXX.pdf" file shows that they FINALLY applied my overpayment to principal (after I called to complain) in MayThey didn't backdate my overpayment! Aside from the fact that I had to call to have them apply the payment appropriatelyKeep in mind that I requested that all overpayments get applied to principal on multiple occasions and was told all was resolved
Now see what they do (again) in AugustThis time I wrote checks and wrote "principal only" in the memoSee "SLS 08-05-15.pdf" where they applied both checks towards interestI called on 8/and complained and for the first time they corrected the payment and applied to principal on the actual payment date (see "SLS 08-17-15.pdf")I'm relieved that they finally got it right! However, I'm frustrated that it required a phone call from me and a complaint with the Revdex.com to get their attention
I have a complete history of my payments that I can submit to youHowever, I believe that the burden should be on them to correct the payment dates and reduce my principal over the history of my loanI have been over paying my monthly payment since we obtained this loan in June of
Final Consumer Response /* (4200, 23, 2015/10/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Specialized Loan Servicing has NOT addressed the issue of misapplying our principal payments over the history of our loanThe early payments have not been credited to loan principal effective on the date(s) our payments are receivedThis continues to occur on our account after numerous complaints
We require that our loan history be reviewed and that every principal payment be credited appropriately to the principal of our loan (rather than applied to future interest)No one has taken the time to review our payment history and adjust the principal accordingly
It is frustrating that we continually complain about this issue and nothing gets resolved!
Final Business Response /* (4000, 28, 2015/11/03) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on October 8, and received by Specialized Loan Servicing LLC ("SLS") on October 9, regarding payments for the above referenced second mortgage account
Our records indicate that we have previously responded to similar requests on August 27, September 9, and June 29, We have enclosed these letters for your recordsAs such, we consider this matter resolvedIf you should have any additional questions concerning your loan, please contact our Customer Care Department
In order to be sure your payments are applied correctly, you will need to provide a breakdown of the amounts and if there are any additional funds to be applied towards the principal onlyPlease send all future payments to Lucent Boulevard, Suite Highlands Ranch, CO XXXXXAs stated previously , on September 23, we reversed and re-applied $to the unpaid principal balanceAs of today, our records do not indicate that you have provided us with a letter explaining how you would like additional funds to be applied to your account prior to this complaintAs such we are unable to comply with your request to remove and reapply your payments as funds were applied in accordance to the enclosed Note and Deed Trust/ MortgageWe have provided a payment history for you to review in order to submit in detail the payments and dollar amounts that need to be reviewed
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 this account, we have found no errorsYour client has 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

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,
*** ***

Initial Business Response /* (1000, 5, 2015/06/25) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on May 11, and received by Specialized Loan Servicing LLC ("SLS") on May 15, regarding mortgage insurance and the escrow account for the
above referenced mortgage account
This account service transferred to SLS on December 16, The enclosed letter dated April 23, informed you of the Lender Paid Mortgage Insurance ("LPMI")This is paid by the lender and cannot be removedThis insurance will only terminate when the mortgage is paid off or refinancedThe servicing of your account is handled and transferred according to the investor of your account; we do not have the authority to transfer this account from SLS
According to the enclosed escrow disclosure statement dated March 27, there is an escrow shortage of $An escrow shortage is created when the anticipated escrow balance at the time of the escrow analysis is less than the estimated required balanceWe must collect enough to establish the required balanceUnder regulatory compliance, we have the option of collecting up to two (2) months of escrow as a cushion, which we choose to doIn this case, the cushion is $This escrow account is for hazard insurance and county taxes
The escrow shortage on this account was approved to be spread over monthsThe new escrow amount that began on May 1, is $($regular escrow amount plus +$shortage repayment)There have been no inaccuracies found in the recent escrow analysisThe payment amount is correct based on the projected disbursements and the starting balance
The regular monthly mortgage payment increased from $2,to $2,for the May 1, contractual obligationWe have enclosed the payment history and recent escrow analysis for your records
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 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 Response Date bumped because: Holiday

Well I look forward to my refund of $or more once you guys have accepted that you are wrong. Or my refund when I sell my unitWhichever comes first. It took me all of minutes to look and see the public information stating that my property taxes are LESS THAN due MARCH The property tax total for the full year is actually less than $ I'll let you guys catch up on the public information later because you are extremely slow.I haven't paid more than $in property taxes for a full year in the entire yrs I've been here. You will be sending me a refund check for a lot more than monthly payments and I can not wait to contact the Revdex.com with proof of everything.
Complaint: ***
I am rejecting this response because:
Sincerely,
*** ***

Dear Brigid ***, 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 21, regarding late fees, credit reporting and the bill for the above-referenced mortgage account (the
“account”) Your dispute references resolved concerns regarding the billing and escrow. SLS’ records do not indicate the matter was escalated to the Chief Executive Officer (“CEO”). Rather, the matter was resolved with SLS’ letter dated February 21, 2018. Please refer to SLS’ correspondence for further information regarding your previously resolved concerns Your dispute references concerns regarding late fees. SLS’ records do not indicate the account has been assessed a late fee. As of the date of this correspondence, the account does not have any outstanding late fees, nor have funds been applied to a late fee On December 12, funds in the amount of $were reversed from the unpaid principal balance and applied to the escrow account. SLS records indicate $was advanced on the account on January 3, in order to satisfy the January 1, contractual monthly payment in the amount of $ The escrow was updated on January 18, to include the aforementioned $in the estimated payment. SLS sent an escrow surplus check in the amount of $for the January escrow overpayment. On February 2, $was applied to the outstanding short payment advance. There is $in unpaid short payment advances on the account. Upon return of the $surplus check SLS is able to apply funds to the unpaid short payment advances and update the escrow payment. SLS has confirmed the short payment advances to be valid and due to SLS Your dispute references concerns regarding credit reporting. SLS’ records indicate payments have been received timely and have been reported as such. SLS has confirmed we are reporting information regarding the account to the credit reporting agencies accurately. A copy of SLS’ payment history with transaction codes is enclosed 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

Complaint: ***
I am rejecting this response because:The "late" payments they are showing are a result of their errors.Here are the errors:1) the LTV value is less than 75%2) their customer service rep in the customer support office stated over the phone that my payments would be $7683) they sent me documents within a day period stating different balances due 4) they said in a letter that I ASKED that they escrow my taxes - I did not I have mailed a page document detailing all of this for their convenience.Again - if there were no errors or sudden $increase in my monthly payments mortgage due to your errors none these "late" payments would existIf you were correct, then why did you erroneously refund my entire escrow balance?I've made no late payments on my mortgage since day July Same with all of my bills in fact.I'm asking that you reconsider what you are calling late payments, accept that the LTV is less than 75% and remove my escrow.As you can see, you are new to managing my mortgage and the errors you are making are unprecedented.
Sincerely,
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