Specialized Loan Servicing, LLC

We are writing in response to a dispute that you filed with the Consumer Financial Protection Bureau(“CFPB”) with regard to the servicing of the above referenced mortgage loan. We understand that byfiling a dispute with the CFPB, you have authorized us to upload a copy of our response to the...

CFPBwebsite. We further understand that you are requesting the CFPB to assist you regarding a New YorkConsolidation, Extension and Modification Agreement (“NY CEMA”).Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicer. The servicing of themortgage account transferred to SLS on February 16, 2016. At that time, the account was due for theMarch 1, 2016 contractual monthly payment. The account is currently due for the October 1, 2016contractual monthly payment.The NY CEMA is utilized for refinances in lieu of the traditional cancellation of the old mortgage note andrelease of the lien. The NY CEMA enables a borrower with mortgages secured by property located inNew York to reduce the amount of Mortgage recording tax paid in connection with the refinance. Sincetax on the outstanding mortgage balance has already been paid, the Mortgage tax is waived on thatamount.As part of the NY CEMA process, the existing lender/servicer must complete and provide an originalexecuted assignment from the current creditor to the new lender, which is to be recorded by the newlender, the Original Note, which will contain an Endorsement to the new lender, and the OriginalMortgage. In order to make the CEMA refinance process as seamless as possible, SLS engages theservices of a law firm in New York. The process to provide the requested documentation to the newlender requires multiple steps.In the correspondence sent to your attorney in September 2016 and during a call with you in August2016, SLS explained that to begin the NY CEMA process, we required: an initial, non-refundable fee of$275.00 to commence processing the request, with an additional $275.00 to be paid at time of closing, acompleted borrower authorization, closing agent/attorney contact information, New Lender information,including corporate office address, and Mortgage Schedule/Title report.Our records reflect that we did not receive the requested information or processing fee. Because we didnot receive the requested information or processing fee, SLS could not complete your request for a NYCEMA assignment.2 | P a g eWe trust that we have responded to your concerns. If you have any questions regarding this information,please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00p.m. MT.

After sitting on the phone for 5hrs or more with SLS on this matter, they finally listened to me enough to review what I'm saying as well as ADMIT that there ARE errors that have been made. For example, you started escrowing more than $400/mo for items that are LESS than $2000. That is what kicked off this "late" payment in the first place - because I CONTESTED the sudden changes you all made. NOT ONE TIME did any of you reach out to me to discuss this. You simply tried to bully me into paying for your ERRORS. Hence once again I am STILL rejecting your response. You are choosing to look at the payment as late because you simply (whoever is typing this response at SLS) refuse to look at your errors. Luckily there are employees there that actually DO take the customer seriously.This matter remains unresolved. 
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

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 February 2, 2018 regarding credit reporting, the terms of your modification, customer service interactions with...

SLS’ representatives, and your request for refunds on the above-referenced mortgage account (the “account”).   We understand the account was included in a Chapter 7 bankruptcy that was discharged on March 27, 2015.  SLS is obligated under federal bankruptcy law to comply with the requirements of the mandatory discharge injunction.  Accordingly, 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 discharged.   We have received from the Consumer Financial Protection Bureau (“CFPB”) a similar dispute regarding the servicing of your mortgage account.  According to our standard business practices, SLS will be responding to this inquiry as well as to the inquiry that was submitted to the CFPB in our response to the CFPB dispute.   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. Tell us why here...

This letter is in response to a complaint filed with the Denver Revdex.com and Atlanta Revdex.com (“Revdex.com”) on February 2 and February 5, 2018, and received by Specialized Loan Servicing LLC (“SLS”) on February 2 and February 6, 2018, regarding forced placed insurance and...

payoff on the above-referenced mortgage account.   SLS is a third-party servicer contracted by your investor to service the account by the terms of the Note and Mortgage.  Prior to this account being paid in full, this account was escrowed for homeowner’s insurance, county taxes, and city taxes.  On October 30, 2017, we send a letter to you indicating that your hazard insurance expired and SLS did not have evidence of insurance coverage. Our enclosed letter dated December 1, 2017 informs you that we did not receive evidence that you obtained new coverage and we were in the process of purchasing insurance coverage on your behalf.  On January 5, 2018, we purchased a Homeowner’s Insurance policy in the amount of $1,662.00.  Our enclosed letter on January 10, 2018 was provided to you with the information and cost of this insurance policy that was force placed.   On December 27, 2017, you informed SLS that your home was listed under contact to be sold.  On December 29, 2017, you requested a payoff statement on the above listed account.  A payoff statement was issued on December 29, 2017 and the figures were good through January 28, 2018 in the amount of $46,168.84.  On January 22, 2018, you contacted SLS and informed us that the property is in the process to be sold with a closing date of January 25, 2018.  Because the forced placed insurance policy was paid on January 5, 2018, that amount was not included in the payoff quote completed on December 29, 2017.  On January 29, 2018 we received a wire transfer of funds in the amount of $46,168.84.  Our enclosed letter dated January 30, 2018 informed you that we were unable to pay off your loan because of a shortage that was due to the insurance disbursement.    On February 2, 2018, you contacted SLS regarding the short payoff in the amount of $1,688.00 and informed the customer service representative that you were unaware of the Lender Placed Insurance policy.  We also informed you that we could not payoff this account unless we received the full payoff amount which included the insurance disbursement.  Our representative informed you that the insurance would be prorated from the time of the lapse in coverage until the account was sold, but this would take time to get that amount.  On February 6, 2018, your authorized third party [redacted] with [redacted] contacted SLS and stated that she would wire over the funds in the amount of $1,688.00 in order to complete the payoff on this loan.  We received these funds on February 7, 2018.  This account was then paid in full on February 7, 2018 and reflects a zero ($0.00) principal balance.  If it is determined that there is an overpayment, it will be refunded to you under separate cover.  A copy of the lien release will be recorded with the county within 90 days.   We have researched your account and our records indicate that the forced placed insurance and payoff 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 complaint filed with the Denver Revdex.com ("Revdex.com") dated December 4, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 7, 2015 regarding a loan modification for the above referenced mortgage account.
We received a new Request for...

Mortgage Assistance ("RMA") on November 3, 2015 that is currently under review. According to our enclosed letter dated November 27, 2015, we were still missing documentation needed to complete the loan modification review. We still need:
Need a valid lease agreement signed by the borrower and the tenant, because the one we received on July 31, 2015 is now expired. The lease amendment received for the lease extension was also not signed by the tenant or the borrower.
We need a RMA form with all sections completed in full. We have enclosed a copy for your convenience.
We need valid proof of incomes mentioned on the RMA for all borrowers.
Once the necessary documentation is received, your account will be reviewed for potential loss mitigation options. There is no guarantee of approval for any loss mitigation option.
Please understand this process can take some time and we require all documentation to be dated within 90 days of the recent application or it may become too old to be considered recent information. Though requests for documentation may seem redundant, your investor may ask for current or more comprehensive financial information at any time. This is in addition to information that may have appeared complete previously. Additionally, documents may be invalid due to their not being signed, or not being completed correctly. Any offers for loss mitigation are made at the discretion of the investor.
In researching this 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 you and 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], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. Financial information and other documentation can be forwarded by mail, fax, or email as follows: [redacted], Fax: [redacted], Email: [redacted]. Please include the ten-digit loan number on all correspondence.

This letter is in response to a rebuttal to the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on August 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) onSeptember 12, 2016 regarding the escrow account on the above-referenced mortgage account.Our records indicate that we have previously responded to similar requests regarding removal of theescrow account on August 22, September 9, and September 22, 2016. We have enclosed these lettersfor your records.This account transferred to SLS on January 4, 2016. This account service transferred with an escrowaccount with the prior servicer. Our letter dated February 9, 2016 requested a copy of your hazardinsurance policy information. On February 26, 2016 we sent you a final notice for your Condominium UnitOwner’s insurance policy that expired.We sent you a refund in error from the escrow account on February 26, 2016 in the amount of $2,012.15.On March 31, 2016 we paid our insurance policy in the amount of $1,271.00 to protect the interests of theproperty on behalf of the investor. We forced the insurance due to repeated attempts to update yourinsurance policy. Our letter dated April 7, 2016 informed you that we had purchased insurance on theproperty listed above. Our records reflect that you spoke with our representatives regarding the escrowaccount on April 21, 2016 you called regarding the escrow check you received and questioned why yourtaxes were not paid. We received your preferred insurance policy with State Farm on April 26, 2016.On May 16, 2016 we ran a new escrow analysis which then reflected an escrow shortage of $1,864.50.With this shortage, the new escrow amount due per month is $419.30. We spoke with you on June 22,July 1, July 25, August 8, August 23, and September 15, 2016 regarding the escrow account. July 1,2016 you contacted us to request and remove the escrow account and have the reversals appliedtowards future payments. After review of your request with this dispute, we will not be able to remove theescrow account based on the forced escrow in April 2016 and late payment in July 2016.We reached out to you with our letter dated July 17, 2016 at the property address listed above regardingthe late payment. The July 1, 2016 payment was not received until August 1, 2016 which put youraccount 32 days past due.We show that this account is contractually due for October 1, 2016 in the amount of $1,188.21.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.

This letter is in response to your correspondence dated August 18, 2016 and received by SpecializedLoan Servicing LLC (“SLS”) on August 19, 2016 regarding credit reporting for the above referenced mortgage account.SLS is a third party servicer, contracted by the investor to service this loan per the...

terms of the originalloan documents. Your payments are due on the first of each month with a 15 day grace period. In reviewof the credit reporting for this account we found there are no inaccuracies in the information we havereported to the credit bureaus. We have enclosed a copy of the original note for your records.In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accuratelyas they were received; therefore, credit cannot be corrected as a courtesy. If you have a specific disputeregarding the credit reporting information we have reported, please send us a signed letter detailing thedispute along with an unmarked copy of your entire credit report(s). We have enclosed a copy of thepayment history with our transaction codes for your review and records.When a payment in less than the amount due is received, the funds are placed in the unapplied fundssuspense account. The funds sit in the unapplied funds suspense account until more funds are receivedand they are sufficient to post. When an amount equal to a contractual billing is in the unapplied fundssuspense account it will then post to the most delinquent contractual billing due. Also, in order to avoidany confusion on misapplied payments; you may wish to indicate on how you want the funds applied toyour account that are over the regular loan payment due. At this time we show $233.46 in uncollected latecharges. This account is contractually due for the September 1, 2016 payment in the amount of $911.31.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 above, 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], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response /* (1000, 5, 2015/06/25) */
Dear [redacted] J. [redacted] and [redacted] M. [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 13, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 16, 2015 regarding taxes...

on the above-referenced mortgage account.
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 June 16, 2015. The responses for both requests received will be sent under separate cover.
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, 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.
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 8, 2015/07/11) */
Their response is absurd. Of course there are errors. The issue is not resolved. They offer no resolution or a time frame on resolution. What else do I need to do?
Final Business Response /* (4000, 10, 2015/07/17) */
Dear [redacted] J. [redacted] and [redacted] M. [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 13, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 16, 2015 regarding taxes for the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondences dated June 25, 2015 and July 1, 2015. Copies of these letters are enclosed for your review. Please note that Specialized Loan Servicing LLC ("SLS") has complied with your requests for information in accordance with both state and federal law. As such, we consider this matter resolved. If you should have any additional questions concerning your loan, please contact our Customer Care Department.
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, 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.

likie any consumer I would like to be reassured factually that my calls as a customer will be answered in a timely fashion. that my concerns can be addressed and that I can speak to someone. 2-6- hour wait times and disconnects and calls supposedly returned are not. I need then to communicate...

with me via phone in a timely fashion. not that complicated and under fair business practices i do believe Tell us why here...

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on September 1, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 1, 2016 regarding an incentive promotional offer for the above-referenced second mortgage account.Our records...

reflect you enrolled into our Automatic Clearing House (“ACH”) payments program on February 24, 2016. The letter for the promotional offer that was sent to you was dated March 7, 2016 toenroll in ACH by April 15, 2016. You enrolled in the ACH program prior to the promotional offer and thatis why you were informed that your account did not qualify for this offer. After confirming that you havecompleted the three ACH payments and in good faith, we are making an exception to honor this requestand issue you the $100.00 gift card. As of the date of this letter we are in the process of issuing you a giftcard which you will receive in the mail within 30 days.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], 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] and [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on Febraury 17, 2018 and received by Specialized Loan Servicing LLC (“SLS”) February 20, 2018 regarding the transfer of servicing to SLS and adjustments to your...

automatic payments on the above-referenced mortgage account (the “account”).   SLS services this account by the terms of the Note and Deed of Trust (copies enclosed). Please refer to the additional origination documents provided at your loan’s closing. Your Deed of Trust allows for the transfer of investor or lender without your authorization. Additionally, you were provided a notice of transfer of servicing by SLS on November 9, 2017 (copy enclosed).  Authority to transfer the servicing of the account lies with the investor or lender; SLS is not authorized to accommodate your request to transfer the servicing of the account.   If you are seeking a lower interest rate, this can be accomplished through refinancing.  Please consult with a financial institution or lender of your choice for refinancing.  SLS does not refinance or originate loans, we only service existing loans.   With regard to your concerns about your automatic payments on November 20, 2017 during a phone call SLS received your authorization for your enrollment in SLS’ Automatic Payment Program (“ACH”).  SLS sent you a letter dated November 21, 2017 (a copy of which is enclosed) confirming your aforementioned authorization.   On February 23, 2018 during a phone call a SLS representative assisted you with changing your automatic payments.  SLS sent you a letter dated February 23, 2018 (a copy of which is enclosed) confirming your authorization for changes in our automatic payment program.   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 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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. Thank you and SLS representatives for swift action and reaching an acceptable resolution to this issue. 
Sincerely,
[redacted]

Dear [redacted] and [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 4, 2017 and received by Specialized Loan Servicing LLC (“SLS”) on November 6, 2017 regarding credit reporting, loss mitigation and the escrow payment...

on the above-referenced mortgage account.   We understand the account was included in a Chapter 7 bankruptcy that was discharged on August 28, 2009. SLS is obligated under federal bankruptcy law to comply with the requirements of the mandatory discharge injunction.  Accordingly, 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 discharged.  For your information, the account is currently due for the December 1, 2017, contractual monthly payment.   Your complaint appears to raise concerns regarding loss mitigation.  A review of SLS’ records indicates the enclosed letter dated November 10, 2016 extended a Standard Repayment Plan offer.  Please see the enclosed documentation for the terms of the extended offer.  SLS’ records do not indicate receipt of the December 1, 2016, January 1, 2017, February 1, 2017, March 1, 2017, April 1, 2017, or May 1, 2017, Repayment Plan payments.  Accordingly the letter dated March 9, 2017, advised that SLS was unable to offer you a retention option at that time.   Your complaint appears to raise concerns regarding credit reporting.  As noted above, SLS’ records indicate the account was included in a Chapter 7 bankruptcy that was discharged.  Accordingly SLS is unable to report to the credit bureaus.  A copy of SLS’ transaction history with transaction codes is enclosed.   Your complaint appears to raise concerns regarding the change in the escrow payment.  A review of SLS’ records indicates the enclosed letter dated April 7, 2017, indicated a payment at that time of $1,561.21 for the principal and interest, $397.92 for the escrow payment and $0.99 for the escrow shortage payment, for a total contractual payment of $1,960.12, and a new monthly payment effective June 1, 2017, of $1,561.21 for the principal and interest, $497.21 for the escrow payment and $130.47 for the escrow shortage payment, for a total contractual payment of $2,188.89.   SLS’ records indicate the receipt of the escrow shortage amount of $1,565.74 on April 25, 2017.  Accordingly the new payment effective June 1, 2017, was updated to $1,561.21 for the principal and interest and $497.21 for the escrow payment, for a total contractual payment of $2,058.42.  SLS has confirmed the increase of the contractual monthly payment from $1,960.12 to $2,058.42 as accurate.   We have researched your account and our records indicate that the servicing activity and loss mitigation activity 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 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 rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on October 13, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 29, 2016 regarding a refund on the above referenced mortgage account.Our records indicate that we have previously responded to a similar request regarding the application ofescrow funds to the required payoff on October 18, October 19 and November 22, 2016. We haveenclosed these letters for your records.Our records reflect we received the funds in the amount of $505,354.14 and this account was paid off onNovember 21, 2016. The account reflects a zero ($0.00) principal balance. We issued you a refund in theamount of $10,072.43, check number [redacted] on December 6, 2016 for the overpayment of the account.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 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], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on October 13, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on December 9, 2016 regarding a refund for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request regarding the application ofescrow funds to the required payoff on October 18, October 19, November 22, and December 6, 2016.We have enclosed these letters for your records.This account was paid off on November 21, 2016. The account reflects a zero ($0.00) principal balance.We issued you a refund in the amount of $10,072.43, check number [redacted] on December 6, 2016 forthe overpayment of the account. Please allow 10 business days to receive this check. If you have notreceived the check within this time frame, please contact SLS to verify the status.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]
[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, 6, 2015/10/22) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 9, 2015 and received by Specialized Loan Servicing LLC ("SLS") on October 12, 2015 regarding billing adjustment and payment for the above...

referenced mortgage account.
SLS is a third-party servicer contracted by the investor to service this account by the terms of the Note and Deed of Trust.
According to our records on September 15, 2015 our representative spoke with you regarding the $6,000.00 payment we received on May 5, 2015. They opened a research ticket with the prior servicer regarding the balance at the time of the service transfer for the uncollected interest. After review with the prior servicer, the check in the amount of $6,000.00 came back as non-sufficient funds with the prior servicer and it was not reversed before it was service transferred. On March 5, 2015 we adjusted the account for this amount. In order to validate this check dated January 26, 2015 was cashed and was not return for non-sufficient funds; please provide the documentation needed in order to SLS to review. At this time, your account balance and payments are reflected correctly. Notes on your account indicate that the Executive Services Supervisor called you on September 17, 2015 and left a message of the status regarding this issue. We have enclosed a copy of the payment history and transaction codes for your records.
In researching this account, we have found no errors. Your 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, 6:00 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.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This response is absolutely incorrect and an another example of this companies manipulation and incorrect cashiering department. In February when SLS loan servicing took over the processing of these loans from Etrade Bank I had made a $3000.00 payment to the principal and when they transferred the records they did not credit my $3000.00 and those funds were not processedas they should not have been as I moved the funds back to Etrade for investment, not for payment on this loan. Additionally the issue in question is not only this poor handling of the $3000.00 in February, but the $6000.00 check that was sent in May and attached to the original complaint that they took my money and DID NOT apply it to my principal payment. I have talked to a dozen or so of unskilled, incapable people of processing the payment that was CASHED by SLS and not applied to my principal balance! I do not owe ANY interest or payment until March of 2016 and made this principal paydown of and additional $6000.00 funds to reduce this loan and they have the entire account messed up! I have filed a complaint with the Attorney General in the State of Colorado and will pursue this company with legal action if you do not address this obvious error and erroneous actions by this sub par company. I will also be filing a complaint with the Attorney General against Etrade because of the handling of my original agreement was with them and they passed [redacted] accounts off to this fraudulent company! I cannot believe the response they send. It is incorrect, wrong, and illegal was the information is completely incorrect.
Final Consumer Response /* (4200, 12, 2015/11/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This is not true or correct. I am filing a report with the attorney general and will continue to seek justice in the case of this companies cashing my check for $6000.00 which I have a copy of and the mishandling of my money and this entire account. The check was cashed by their cashiering department and NOT credited to the principal balance of my original loan with Etrade bank. This is fraud, manipulation and denial of the truth. I am repulsed by this companies lack of ability to handle the processing, collecting and integrity of my account.
Final Business Response /* (4000, 14, 2015/11/10) */
This letter is in response to the rebuttal filed with the Denver Revdex.com ("Revdex.com") dated
November 3, 2015 and received by Specialized Loan Servicing LLC ("SLS") on November 4, 2015
regarding issue for the above referenced mortgage account.
Our records reflect we responded to a similar inquiry with our response dated October 30, 2015 to a
dispute filed with the Colorado Department of Law ("CODOL"). A copy of the correspondence is enclosed
for your review. Please see the response below:
In accordance with the terms of the mortgage contract, "all payments received by Lender under the Note
and paragraphs 1 and 2 hereof shall be applied by the Lender first in payment of amounts payable to
Lender by Borrower under paragraph 2 hereof, then to interest payable on the Note, and then to the
principal of the Note." Interest is charged on the unpaid principal until the full amount of principal has
been paid. At the time the payment for $6,000.00 was received by SLS, the account had accrued interest
of $5,580.44. SLS was required by the contract to apply the payment first to interest then to principal. As
such $5,580.44 was applied to interest and $419.55 was applied to principal. This application was
completed with an effective date of 5/5/2015.
Please note that SLS has complied with your requests for information in accordance with both state and
federal law. As such, we consider this matter resolved. If you should have any additional questions
concerning your loan, please contact our Customer Care Department.
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, 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, 6:00 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 a response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on June 28, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on June 28, 2016 regarding the settlement of the above referenced mortgage account.The trial period began on April of 2015 and...

continued through June of 2015. SLS received payments inthe amount of $1,442.25 on March 30, 2015, April 30, 2015 and June 1, 2015; which were applied to theaccount; enclosed for your reference is a copy of your payment history and corresponding transactioncodes, for a breakdown of how funds have been applied to the account.Once a final loan modification was offered, you declined the approved loan modification and yourauthorized third party agent was advised of the need for a new Request for Mortgage Assistance (“RMA”) application to be submitted in order to re-evaluate the above account for any currently available retentionoptions.Further, SLS provided payoff quotes dated December 31, 2015 and January 6, 2016, copies of which areenclosed, as requested. The payoff quotes provided details of the amount necessary to settle theaccount that included amounts due for accrued interest good for 30 days; uncollected late charges; payoffstatement fees ($25.00 ea stmt); deferred principal, outstanding fees/corporate advances and the balanceof funds in the suspense account was applied to reduce outstanding amount due to an accurate figure.The settlement funds in the amount of $289,443.52 were posted to the above referenced account onJanuary 12, 2016. Overpaid funds in the amount of $1,046.83 were returned to your attention with ourcheck number [redacted], dated January 17, 2016. Additional surplus funds in the amount of $866.94 werereturned to your attention with our check number [redacted], dated April 29, 2016.The satisfaction of mortgage has been recorded in the appropriate county and is enclosed for yourreference.SLS responds to all Qualified Written Requests (QWR) accordingly. It is unclear to which priorcorrespondence SLS did not respond to. Please provide a copy of this correspondence via mail/fax asindicated above, so we may respond to any additional concerns.In compliance with the laws set forth by the state of [redacted], enclosed is a copy of your signedNote as well as your payment history for the above referenced loan, along with the following information:? There are payments due as the account has been paid in full. ? There is no unpaid principal balance on account. ? There are no funds in a suspense account. ? There are no funds in the escrow account. The Note holder contact information at the time of settlement:[redacted], as Trustee for [redacted]
[redacted]
[redacted]SLS is the servicer of the loan on behalf of the Note holder correspondences made with the Note holderwill be handled by SLS.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]
[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.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.  The issue was partially resolved on February 22 after I was given a phone number for their Executive Services department.  However, the person I spoke with had no idea how I could edit my automatic payments on their website and he didn't take any initiative to find out.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:First of all, I have to say that this company goes out of its way to try to embarrass its customers.  Their "communication" as stated in their response, does not discuss anything about a
"property Inspection".  Their "communication" which they attach to the property door states
"Dear Borrower: URGENT NOTICE: Please contact your mortgage servicer
immediately at: 800_______. ".  This message is enclosed in a white envelope with the word"CONFIDIENTIAL" written in RED letters thus can be seen by all who pass my door. This is the reason for the RED letters- a low class way to harass.  (See image 4294) Each time that I contacted this company,
one of their agents would ALWAYS find a way to be insulting in one form
or another.  This is the reason for the "Cease and Desist" letter. 
Their agents could not read well enough to pronounce my name if a voicemail was recorded.  (These were not people with accents trying to read English, they
were people of low education.)  When the calls were returned, I would
have to endure insults such as the agent raising his/her voice at me and
deliberating calling me words which I will not repeat but I do still
have on recording. Their "communication" is a cheap attempt by SLS to deliberately try to circumvent the  "Cease and Desist" letter by
placing what would be on voice mail on a little slip of paper.  (See
Attachment 4293)Secondly, the reason for my refusal of their
response, is because of the way that they chose to respond.  SLS did not have any need to
upload the loan history of my account to prove their point.  They have released my personal information which is just another form of abuse and intimidation.  In doing so, SLS has actually proven my point about about their abusive nature.  Also, I
believe the rules of the Revdex.com is that information released on the site is not supposed to include any personally identifiable information.
They were not given permission to upload this information and did not
need to do so to answer this complaint.  If this information is released
to the public, via this website or for by any other means, I will seek
Civil litigation against SLS.  I am looking into whether they could
legally release this information via your website.  If I am told that it
is illegal, I will pursue legal action against them.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 28, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 29, 2016 regarding payments on an account. At this time we are unable to locate an account number affiliated...

with SLS with the information you have provided to accurately respond to your request.  Please provide an account number for SLS to review your request. If you submitting a complaint for another person on their behalf, you will need to be an authorized party on the account. 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.