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Specialized Loan Servicing, LLC

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Specialized Loan Servicing, LLC Reviews (581)

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 August 15, regarding credit reporting on the above-referenced mortgage accountWe understand the account was
included in a Chapter bankruptcy that was discharged on February 7, 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 dischargedWith regard to your concerns, a review of SLS’ records indicates the February contractual monthly payment was received more than days past the due date; therefore we found that SLS is reporting information to the credit reporting agencies accuratelyIn accordance with the Fair Credit Reporting Act ("FCRA"), SLS is required to report payments accurately as they were receivedAs a result, we are unable to accommodate your request to change that reporting as a courtesyEnclosed is SLS’ payment history with transaction codes for your reviewOn June 2, funds in the amount of $were applied effective May 2, to the May 1, contractual monthly paymentSLS’ records indicate this payment was not reported as late to the credit reporting agenciesWe regret any confusionSLS’ records indicate the account was paid in full on June 19, We have researched your account and our records indicate that the credit reporting 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 borrowersTell us why here

Initial Business Response /* (1000, 6, 2015/08/13) */
Dear *** A***
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 4, and received by Specialized Loan Servicing LLC ("SLS") on August 4, regarding billing statements 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
SLS is the current servicer of your mortgage loan, which was transferred to SLS for servicing on February 7, Our records indicate that you had a Chapter bankruptcy which was discharged on September 20, As a result, we cannot mail billing statements
To continue making voluntary monthly payments to the above referenced loan, use one of following payment options:
Pay over the phone by calling X-XXX-XXX-XXXX
Pay by regular mail at P.OBox XXXXXX Atlanta, GA XXXXX-XXXX
Pay by overnight mail at Lucent Blvd, Suite Highlands Ranch, CO XXXXX
At this time your account is contractually due for August 1, monthly payment in the amount of $A payment history is enclosed for your 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, 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 Business Response /* (1000, 6, 2015/10/05) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on September 23, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 24, 2015 regarding an incorrect telephone number.

As of...

September 23, 2015 we have removed your phone number of X-(XXX) XXX-XXXX from our system and it has been documented as a wrong number for future reference to avoid this from happening again. We apologize for the frustration that you have experienced regarding this matter. You should not receive any other calls from SLS.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 26, 2016 regarding the escrow account and property parcels for the above referenced mortgage account.Our records indicate...

that we have previously responded to similar requests with the same concerns onseveral occasions. Copies of our original correspondence dated May 11, 2015, as well as the mostrecently sent correspondences dated May 5 and July 20, 2016, are enclosed for your reference.Our letter dated May 11, 2016 states that you would need to submit proof of payment for penalties andinterest that was assessed by the taxing authority for parcels [redacted] and[redacted]. At this time we have not received this documentation and proof for theparcels listed above.Please note that SLS has complied with your requests for information in accordance with both state andfederal law. As such, we consider this matter resolved. SLS adheres to all state and federal guidelines inreference to the servicing of the mortgage loan. Furthermore, SLS does not agree with any stipulationindicated in your Qualified Written Request (QWR) for a refund.This account is escrowed for taxes only for parcel [redacted].In researching your account, we have found no errors. You 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 [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Dear [redacted],   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 June 21, 2017 regarding the application of payments and billing statements for the above-referenced mortgage...

account.   With regard to your concerns, a review of SLS’ records indicates the below application of funds:   Date Transaction Amount Contractual Monthly Payment December 30, 2016 $1,300.00 February 1, 2017 February 17, 2017 $1,300.00 March 1, 2017 February 23, 2017* $1,300.00* April 1, 2017* February 24, 2017 $1,300.00 May 1, 2017 April 28, 2017 $1,281.00 June 1, 2017 June 13, 2017 $1,290.00 July 1, 2017   *A review of SLS’ records indicates the February 23, 2017 funds in the amount of $1,300.00 were initially applied to the unpaid principal balance (“curtailment”) as the next payment due for April 1, 2017 was not yet billed to the account.  On April 17, 2017, the funds were reversed from curtailment and applied to the April 1, 2017 contractual monthly payment in accordance with your stated intent.   As a result of the April 17, 2017 changes to the application of funds the billing statement dated May 1, 2017 advised the principal paid last month was $-649.48 which was comprised of:   Date Principal Amount Original Application Updated Application February 23, 2017 $-1,300.00 Curtailment   February 24, 2017 $-339.29 April 2017 contractual monthly payment   February 23, 2017 $335.22   April 2017 contractual monthly payment February 24, 2017 $336.27   May 2017 contractual monthly payment April 28, 2017 $318.32   June 2017 contractual monthly payment   As indicated above, on May 1, 2017 when the billing statement was generated, the account was due for the July 1, 2017 contractual monthly payment.  However, as the July 1, 2017 contactual monthly payment was not yet billed to the account, the Total Amount Due indicated on the May 1, 2017 billing statement was $0.00.                 The billing statement dated June 1, 2017 advised of the Total Amount Due of $1,280.42 for the July 1, 2017 contractual monthly payment as the July 2017 contractual amount due had been billed to the account.  SLS regrets any confusion this may have caused.   SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us. Please understand that we handle all borrower comments and concerns with the utmost consideration. We regret to hear you were unsatisfied with the servicing of your account.   We have researched your account and our records indicate that the servicing activity described in your dispute was not in error. We 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 [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. 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.)
In the first place SLS has incorrectly represented the content of their 7/22/15 letter, of which I will attach a copy. The main point being they did not indicate a copy of the Deed of Trust was attached, nor did they provide a copy as they say above. This is just one other piece of evidence that this company pushes the legal boundaries of what they should be allowed to get away with.
The other truth is that I have had this HELOC since 2008, and I have always maintained adequate insurance as spelled out in the Deed of Trust document. The previous loan servicers had no issue with it, but for some reason when SLS took over just a few months ago they knew better than anyone what was required! I think not! Furthermore, the Deed of Trust states the policies must only be "to the extent of your interest under the Deed of Trust." I submit, and have said previously that on the date they took out the policy without my approval, which was 5/31/15 that they essentially had NO interest at all under the Deed of Trust, as the loan had been paid down to less than $10 and as you can see by the above note the principal is in fact zero.
Beyond all the above facts, had SLS took the simple courtesy to actually have sent a representative to this property to see if indeed it did need flood insurance or even talked to me via the phone, they would have known, as my long time insurance vendor knows that this property could not by any stretch of the imagination EVER be subjected to a flood, unless you believe the Pacific Ocean could rise up 20 feet from its highest ever tide, more than 150 miles inland from the coast!
(SLS-07-22-2015.pdf)

This letter is in response to a rebuttal with a complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on July 12, 2016 and received by Specialized Loan Servicing LLC (“SLS”) August 24, 2016 and a dispute dated and received on August 8, 2016 regarding the private mortgage insurance(“PMI”) for the above-referenced mortgage account. Our records indicate that we have previously responded multiple times to similar requests regarding themortgage insurance. We have enclosed our original letter dated April 20, 2016 and our most recent letterdated August 18, 2016.We have enclosed a copy of the PMI disclosure completed at origination regarding the termination of theprivate mortgage insurance. We have also enclosed a letter that was sent to you from Shore Mortgageon December 24, 2015 regarding the PMI. This letter was sent with our original response dated April 20,2016. This letter explains that the information you received when you contacted Shore Mortgage onOctober 15, 2016 was not accurate. Based on our review and confirmation with the prior servicer, ourcalculations indicated that the PMI was not eligible for termination until May 2016. The PMI on the escrowaccount was removed and you have received a refund from us for over-payment of the mortgageinsurance on August 5, 2016. Again we consider this issue resolved. SLS cannot comment on theservicing of the loan prior to the service transfer to us.In researching your account, we have found no errors. You 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 [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.

(The consumer indicated he/she DID NOT accept the response from the business.)
This is just one more example that the person writing the above responses to the Revdex.com has no idea what they are talking about. They mention that they sent me letters dated Aug 5th and August 17th, but I received no such letters with those dates. The last two letters I got were dated Aug 12th and Aug 20th. The August 20th letter states that the flood insurance has finally been canceled as of 8/19/2015 with an earned premium of $19. Had they listened to me from the very start they could have avoided any charges from the insurance company at all and since taking out insurance on a loan with no balance is strictly against the Deed of Trust I am still demanding a full refund of these charges.

Dear [redacted] and [redacted],                 This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) February 27, 2018 regarding credit reporting on the above-referenced mortgage account (the “account”).   SLS has previously responded to your concerns with the letter dated March 13, 2018.   As previously noted, in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”) during the initial 60 days following servicing transfer of the account, SLS will not assess late fees or report information to the credit reporting bureaus.    Accordingly, SLS does not report information to the credit reporting bureaus for the month of the servicing transfer as well as the next two months.  We regret any confusion this has caused.   Additionally, SLS places a hold on credit reporting on any mortgage account for which a dispute is received, including the referenced complaint with the Revdex.com, in order for SLS to research and respond to the dispute.  When the response is issued, the hold/suspension timeline expires and normal credit reporting activities will resume unless an additional hold is placed.  An additional hold is placed when SLS receives a subsequent dispute.  SLS’ records do not indicate any negative credit reporting has been provided to the credit reporting agencies.   In compliance with the laws of the State of North Carolina, enclosed is a copy of the Note and payment history with transaction codes as well as the following information:   Your account is currently due for April 1, 2018 in the amount of $1,006.41.The current principal balance of the loan is $177,684.21.The escrow balance as of the date of this letter is $1,691.32.There are no funds held in a suspense account.   Note Holder Contact Information:   Federal Home Loan Mortgage Corporation, as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series 2018-11551 Park Run Dr. McLean, VA 22102   As SLS is the servicer on behalf of the current owner, all correspondence should be directed to SLS.   We have researched your account and our records indicate that the servicing activity described in your dispute was not in error. We 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, 6:00 a.m. until 6:00 p.m. MT.  SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 13, 2016 received by Specialized Loan Servicing LLC (“SLS”) on August 9, 2016 regarding a mortgage payment and late fees for the above referenced second mortgage account.Our records indicate that we have previously responded to similar requests regarding payments and latefees on July 25, August 4, and August 12, 2016. We have enclosed these letters for your records.SLS is regulated by government agencies the same way financial institutions are regulated. SLS adheresto all state and federal guidelines in reference to the servicing of the mortgage loan. SLS is unableprevent any individual from contacting regulatory agencies or posting complaints online. As such, weconsider this matter resolved and closed.If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because: SLS has lied to me so many times, I won't believe anything until I know the County Recorder has received it.  They had previously told me that the lien release had been sent and it wasn't.  So, if they got this right, I will be overwhelmingly surprised.  I'm crossing my fingers that all systems are go and they did indeed send the proper paperwork but as I stated before:  SLS has lied so many times before, how can I trust them?
Sincerely,
[redacted]

Dear [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 11, 2017 and received by Specialized Loan Servicing LLC (“SLS”) on January 12, 2017 regarding a customer service experience for the above-referenced mortgage...

account.   SLS strives in making concerted efforts both through our internal policies and through our direct borrower interactions to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us.  We regret to hear that you were unsatisfied with your experience.  Your complaint has been escalated to the appropriate manager for follow-up.   Please understand that we handle all borrower comments or concerns with the utmost consideration, and we will make any appropriate correction to our policies and/or practices should we determine that they are necessary.  In an effort to provide excellent customer service, agents other than the Single Point of Contact (“Contact”) are available to assist you should your Contact be unavailable; therefore regretfully, SLS is unable to accommodate your request to speak only with a specific agent.   For informational purposes the account has been assigned a Relationship Manager, [redacted] (Teller ID: [redacted]) as your Contact.  However, if [redacted] is not available, any agent will be able to assist you.   In researching your account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below.   If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on December 2, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on December 5, 2016 and your faxed Qualified Written Request (“QWR”) dated and received on December 7, 2016 regarding the...

application of payments and authorization to apply a payment on the above-referenced mortgageaccount.This account service transferred to SLS on February 1, 2016. On December 7, 2016 we reversed thecurtailment dated March 14, 2016 in the amount of $1,434.28. Also, on December 7, 2016 we havereversed and reapplied all payments from May 1, 2015 to October 1, 2015 and correctly to apply themonthly payments and amounts applied to the escrow account as intended. We completed an updatedescrow analysis on December 7, 2016 which now reflects a surplus of $222.31. The monthly paymentdecreased from $1,525.40 to $1,423.78. We received your faxed request on December 9, 2016 with yourauthorization to use the surplus balance from the escrow account and apply towards the December 1,2016 payment. On December 19, 2016 we have posted the funds for the December 1, 2016 payment asrequested. This account is contractually due for the January 1, 2017 payment in the amount of $1,423.78.We have enclosed a copy of the updated escrow analysis, payment history, and transactions codes foryour review.We apologize for the frustration that you have experienced regarding this matter. We strive to makeconcerted efforts both through our internal policies and through our direct interactions to ensurecourteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handleall borrower comments or concerns with the utmost consideration.If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on February 25, 2018 and received by Specialized Loan Servicing LLC ("SLS") on February 26, 2018 regarding payments on the above-referenced second mortgage account. This account service transferred to SLS...

on December 1, 2014. The account is currently due for the May 1, 2018 contractual monthly payment of $189.30. SLS does not accept partial payments. In order to avoid posting funds in a manner not consistent with your wishes please send payments in the full amount billed. We sent a breach letter dated February 16, 2018 that your account was due for the January 1, 2018 payment and you needed to complete a payment by February 16, 2018. Since you did not pay the arrears by this date, you were not able to complete partial payments, as we required the full amount of $410.60. Our records reflect on February 27, 2018 we received a payment of $410.60 that brought your account current and paid through February 2018. We have enclosed a copy of the payment history along with our transaction codes for your review and records. The [redacted] fees can be avoided using our automated telephone system or website, provided the payment is arranged before the due date, or up to 4 days past the due date, otherwise there is a charge of $9.95 for the [redacted] Fees at the time an automated phone payment or payment via our website is completed. Also, borrowers may send payments via the United States Postal Service with no additional fee however mailed payments must be received before the end of the grace period to avoid any late fee. The payments on this account are due on the first of each month with a 10 day grace period. Payments received after that time may be assessed a late fee. If you are interested in loss mitigation options please find a copy of our Request for Mortgage Assistance application enclosed for your review. We have researched your account and our records indicate that the payments described in your dispute were not in error. We 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 [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is in response to a rebuttal with the original complaint filed with the Denver Revdex.com ("Revdex.com") on November 29, 2017 and received by Specialized Loan Servicing LLC ("SLS") on December 15, 2017 regarding misapplied payments on the above-referenced mortgage account. Our records indicate that we have previously responded to a similar request regarding the application of payments on December 14, 2017. Our records reflect that this account was paid in full on November 22, 2017. On December 7, 2017 we issued a refund check to [redacted]. [redacted] and [redacted]. [redacted] in the amount of $102.49 for overpayment of interest and a late fee. After we reposted funds there was no additional amount being charged for interest to the account. All payments were applied and backdated to the date they were to be posted and when we received funds. The escrow balance is only a place to hold funds in order to disburse them whether they are to the county for taxes, the insurance companies or to the borrower. You do not necessarily have an escrow account for SLS to hold funds. This is our own internal process and how we handle any disbursement of funds. This account does not accrue or charge any interest. We have responded regarding the errors alleged on the account and the corrections made to the account, as applicable. We 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, 6:00 a.m. until 6:00 p.m. MT or TDD 1-800-268-9419, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) onOctober 31, 2016 and received by Specialized Loan Servicing LLC (“SLS”) October 31, 2016 regardingcredit reporting for the above referenced mortgage account.Our records indicate that we have...

previously responded to a similar request regarding credit reporting onJuly 9, 2016. We have enclosed this letter for your records.In your previous correspondence dated May 25, 2016 you indicated that you left the country the end ofJanuary, 2016 and returned the middle of April, 2016. The enclosed January 8, 2016 letter reflected anescrow shortage of $-1,293.14 and an increased monthly payment would be $3,994.85, effective March1, 2016.We received funds of $3,864.17 on March 2, 2016 which were insufficient to complete payment forMarch, 2016. On April 4, 2016 we received funds of $3,864.17 which were combined with the fundsreceived on March 2, 2016 to satisfy payment for March, 2016. A balance of $3,733.49 was held asunapplied funds.On April 11, 2016 a new escrow analysis was completed, and a refund check of $237.48 was sent. Thisreduced the total monthly payment to $3,811.62, effective June 1, 2016.On May 2, 2016, we received funds of $3,994.85, which were applied to the April 1, 2016 contractualobligation.On May 13, 2016 we waived a late fee of $138.24 as a courtesy.On May 24, 2016, we received $268.24 which were combined with the funds held in suspense andapplied toward the May, 2016 contractual obligation, bringing the account current. Funds of $6.88 wereheld in a suspense account.On June 2, 2016 we received payment of $3,811.62, which satisfied the June 1, 2016 contractualobligation.On June 24, 2016, the $6.88 held in suspense was applied to your unpaid principal balance.The account is now contractually current.We have enclosed a copy of the payment history along with our transaction codes for your review andrecords.In review of the credit reporting for this account we found there are no inaccuracies in the information wehave reported to the credit bureaus. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS isrequired to report payments accurately as they were received; therefore, credit cannot be corrected as acourtesy. If you have a specific dispute regarding the credit reporting information we have reported,please send us a signed letter detailing the dispute along with an unmarked copy of your entire creditreport(s).In researching your account, we have found no errors. You 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 [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD ###-###-####, Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

After reviewing the amount of complaints about this company, I think this company company should not be in business. As far as my case is concern. They should waive all the late fees as of the first time they retuned my payment.

I believe I had sent an attachment stating my reasons on yesterday's email but here it is in a nutshell:  After receiving an email from Revdex.com with SLS's explanation I still had not heard from them on a one on one basis.  I have specifically told them time and again that I work "in the field" and therefore my cell phone number was given as my point of contact number.  I have not received one phone call from them nor have I heard from my assigned "teller."  Whenever I call I am told, via recording, that my teller is helping other people and to arrange for a call back, a call back that never is returned.  I now call and speak to the next available teller and that seems to work but as of yesterday when I called them myself, my problem is still there.  I submit all the paperwork as required, I submit "letters of explanation" as required and I submit necessary documents, as required and still, I receive complete packages in the mail like the whole process is starting over.  I spoke to a nice gentleman yesterday and he helped greatly, he was to call me by end of day and as of this morning I have still heard nothing.  As I stated in my initial complaint, this Company seems like a complete sham, yet they are collecting my Interest like there's no tomorrow.  I am completely fed up with this company and I wish there was some kind of legal recourse I could take againt them.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 23, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 28, 2016 regarding the service transfer for the above referenced mortgage account.This account service transferred to...

SLS on October 19, 2016. SLS is a third party servicer, contracted bythe investor to service this loan per the terms of the original loan documents. When a loan transfers toSLS the boarding process can take 30 to 60 days to complete. Once an account service transfers, we donot report delinquencies in the month of transfer plus two months afterwards in order for any paymentsfrom the prior servicer to be applied correctly. We have enclosed a copy of the Notice of ServicingTransfer from SLS dated October 20, 2016 that provides you with the information regarding the servicetransfer according to the Real Estate Settlement Procedure Act (“RESPA”) guidelines. Your payments are due on the first of the month and you are allotted a fifteen-day grace period before alate fee is assessed. Billing statements are sent as a courtesy. When this account service transferredfrom the prior servicer to SLS, the account was due for the October 1, 2016 payment with a principalbalance of $176,000.00. This account is currently due for the January 1, 2017 monthly payment in theamount of $946.44. The current outstanding principal balance is $175,445.22. We have enclosed a copyof your payment history and our last billing statement dated December 1, 2016 for your review andrecords.We have a ticket open with SLS escrow department to have the homeowner’s insurance information verified. We show it is currently with Country Financial, policy number #[redacted] and reflects anexpiration date of December 18, 2016. Once we have verified this information, we will update theinsurance information in our system.In researching this account, we have found no errors. You 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 [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response /* (1000, 19, 2015/11/25) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on September 2, 2015 and received by Specialized Loan Servicing LLC ("SLS") on September 10, 2015 regarding a cease and desist for the above...

referenced loan.
SLS has received your cease-and-desist request. Accordingly, your home and work telephone numbers have been removed from our records, and you will no longer receive collection calls of any kind. Our only communication will be through written correspondence henceforth.
Our enclosed letter dated August 21, 2015, reflects that this account was denied for a modification due to missing documentation needed to complete a loss mitigation review.
According to our records, this account was paid in full on September 18, 2015. Therefore, the account reflects a zero ($0.00) principal balance and is considered closed. If it is determined that there is an overpayment, it will be refunded to you under separate cover. We have enclosed a copy of the payment history with our transaction codes for your records. A copy of the lien release will be recorded with the county within 90 days.
In researching your account, we have found no errors. You 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, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

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Address: 8742 Lucent Blvd STE 300, Highlands Ranch, Colorado, United States, 80129-2386

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