Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 23, and received by Specialized Loan Servicing LLC (“SLS”) on November 28, regarding the service transfer for the above referenced mortgage account.This account service transferred to SLS on October 19, SLS is a third party servicer, contracted bythe investor to service this loan per the terms of the original loan documentsWhen a loan transfers toSLS the boarding process can take to days to completeOnce 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 correctlyWe have enclosed a copy of the Notice of ServicingTransfer from SLS dated October 20, that provides you with the information regarding the servicetransfer according to the Real Estate Settlement Procedure Act (“RESPA”) guidelinesYour payments are due on the first of the month and you are allotted a fifteen-day grace period before alate fee is assessedBilling statements are sent as a courtesyWhen this account service transferredfrom the prior servicer to SLS, the account was due for the October 1, payment with a principalbalance of $176,This account is currently due for the January 1, monthly payment in theamount of $The current outstanding principal balance is $175,We have enclosed a copyof your payment history and our last billing statement dated December 1, for your review andrecords.We have a ticket open with SLS escrow department to have the homeowner’s insurance information verifiedWe show it is currently with Country Financial, policy number # [redacted] and reflects anexpiration date of December 18, Once we have verified this information, we will update theinsurance information in our system.In researching this account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for their reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

They are working on on dropping the PMI, Im waiting for them respond, thank you

Complaint: [redacted] I am rejecting this response because: I would like to see something that states that you can use my Escrow account in any manner that you choose without my consentI called and asked that my escrow account not be applied toward my account, and I was told that was not an option, but it is an option the loan was not closed at the point that I made that requestIf an escrow account is to be applied toward the loan balance at the time of a refinance is a standard procedure I would accept it, but in my experience that is not the caseAlso when a client calls and states what he would like done with "his" money is not followed, there will be major complaints, and that is exactly what I have I am not satisfied! Using the escrow account would have helped me financially Sincerely, [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 13, and received by Specialized Loan Servicing LLC (“SLS”) on May 16, regarding loan modification solicitations for the above-referenced mortgage account.Our records indicate that you filed a Chapter bankruptcy which was discharged on December 11, 2012.Although you have been discharged of the personal liability of the debt, the lien on the property stillremainsThe lien may be enforced if voluntary payments are not madeSLS is obligated under federalbankruptcy law to comply with the requirements of the Automatic StayThis information is provided inresponse to your request and does not constitute a demand for payment.Our records show that this account is over days past due for the April 1, contractual payment.Once an account becomes delinquent, our system automatically sends out a Home AffordableModification Program (“HAMP”) package to inform customers of any available foreclosure prevention options that they may qualify forIf you are not interested in completing the documentation for a review,please disregard this correspondenceWe have enclosed a copy of the payment history along with thetransaction codes for your records.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking accountYou are able to contact our Customer Caredepartment at the number listed below to obtain information regarding your accountAdditionally, if youwould like to continue to make voluntary payments to the account to protect your interest in the property,you may use the following payment options:Pay over the phone by calling [redacted] Pay by regular mail at P.OBox [redacted] , GA [redacted] Pay by overnight mail at [redacted] ***, CO ***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 [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Mondaythrough Friday, 8:a.muntil 5:p.mMT

Complaint: [redacted] I am rejecting this response because: SLS enter all of my parcels of land into an escrow account with no legal reason to do so I discovered this in September when I attempted to pay the taxes on the parcelsthey do have a lean on ONE of the parcles not all three I contact SLS, [redacted] and [redacted] The SLS attorney assigned to the case and notified them that of the parcels were not subject to the escrow account They also acknowledge that and so did the Herkimer county real property tax service and SLS was refunded the money they paid on the parcels which was not completed until March at that point I was able to pay the taxes BUT I was also charged the penalties and interest for the SLS ILLEGAL act of attempting to foreclose on parcels they are not entitled to I had to pay the interest and penalties on this and I am legally entitled to the accrued interest at 9% annum I have be in direct contact with SLS and [redacted] as well as the federal reserve on this issue They made a error by not doing their due diligent and researching the mortgage in question and because my name was on all of the parcels the illegally entered all parcels into and escrow account in September and were unable to correct the own error due to incompetence of the staff and the sever lack of judgment by all involved with the illegal filing of the escrow with the Herkimer County Tax service and attempting to illegally foreclose on parcels they are not entitled to I will also be adding another month of interest and another $cost for legal fees to my claim as well Sincerely, [redacted]

This letter is in response to your response filed with the Denver Revdex.com ("Revdex.com") received by Specialized Loan Servicing LLC ("SLS") on December 21, regarding establishment of automatic payments and access of your online account for the above-referenced accountWe understand the account was included in a Chapter bankruptcy that was discharged on November 28, 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 November 16, SLS does not own your loanIn response to your request for mortgage paperwork we have enclosed copies of the Notices of Servicing transfer from both servicers, and copies of your Note, Deed of Trust, and payment history with SLSOn November 30, 2017, we sent a letter in response to your application for Automatic Clearinghouse ("ACH") paymentsSLS is obligated under federal bankruptcy law to comply with the requirements of the automatic stay, which would include automatic collection of a discharged debt or online access to payment informationIf you wish to continue to make voluntary payments to the account to protect your interest in the property, you may use the following payment options: ? Pay over the phone by calling 1-800-315-? Pay by regular mail at P.OBox Atlanta, GA 30348-? Pay by overnight mail at Lucent Boulevard, Suite Highlands Ranch, CO Previously we also were unable to send billing statements for accounts included in discharged Chapter Bankruptcies; however, we have implemented a program whereby you may request monthly statements through written request and authorizationWe have enclosed the authorization form for your convenienceYou also may contact our Customer Care department at the number listed below at any time to obtain information regarding your accountOur records reflect on January 4, we spoke with you regarding your account and setting up automatic payments, however this request was deniedWe have researched your account and our records indicate that setting up automatic payments and accessing your account on-line 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

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 meSincerely, [redacted]

We are writing in response regarding the dispute that you filed with the Consumer Financial Protection Bureau (“CFPB”), and the Revdex.com (“Revdex.com”), with regard to the servicing of the above referenced mortgage loanWe understand that by filing a dispute with the CFPB and the Revdex.com, you have authorized us to upload a copy of our response to the CFPB and the Revdex.com websitesWe further understand that you are requesting the CFPB and the Revdex.com to assist you regarding the application of payments to the account Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicerThe servicing of the mortgage account transferred to SLS on July 1, At that time, the account was due for the August 1, contractual monthly paymentThe account is currently due for the October 1, contractual monthly payment SLS records indicate that on September 15, the account was updated to reflect the excess payments being applied to principal per the borrower’s requestNo extra interest was charged to the accountWe have enclosed the most recent pay history and transaction codes that reflect the corrections made We regret any inconvenience this may have caused We trust that we have responded to your concernsIf you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6: p.mMT

Dear [redacted] ** [redacted] and [redacted] , 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 March 12, regarding the payoff of the account on the above-referenced accountSLS’ records indicate we previously responded to your concerns with our letters dated February 23, and March 7, SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that the account is serviced with us Please understand that we handle all consumer comments and concerns with the utmost consideration We regret to hear you are dissatisfiedWe 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 belowIf 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

Dear [redacted] , This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on October 8, and received by Specialized Loan Servicing LLC (“SLS”) on October 9, regarding bankruptcy trustee funds for the above-referenced mortgage account With regard to your concerns, a review of SLS’ records indicates check number [redacted] was issued in the amount of $1,to [redacted] , II Chapter Trustee, [redacted] and is scheduled to be sent on October 23, SLS’ records indicate on October 12, the Trustee requested the Proof of Claim be withdrawn 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 Recovery Services toll free at [redacted] , Monday through Thursday, 7:a.muntil 7:p.mMT and Friday 8:a.muntil 12: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”) onNovember 15, and received by Specialized Loan Servicing LLC (“SLS”) on November 16, regarding fees and servicing of your account referenced above.On October 6, we sent you a pre-approved loan modificationThe streamline modification was notfinalized because this account was reinstated on October 7, On November 14, we waviedfees in the amount of $as a one time courtesy because these fees were billed before wecompleted the reversal of funds from ‘curtailment’ (reduction of the unpaid principal balance) with additional funds to bring this account currentOn November 14, we reversed the funds in theamount of $from curtailment and placed these funds in the unapplied funds suspense accountOnNovember 15, we received a Western Union Speedpay payment in the amount of $1,alongwith funds from the unapplied funds suspense account to complete the November 1, payment withthe balance remaining being applied to fees dueThe fee in the amount of $was to access to theproperty that was secured by SLS (property inspection fee) and the fee in the amount of $was forthe August payment that was 45+ days delinquent which was not billed until after the loan wasreinstatedThese fees were billed on November 21, These fees will not removed or waivedWehave enclosed a copy of the payment history and transaction codes for your records.This account is contrauctully due for the December 1, payment in the amount of $1,951.53.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 [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMTFinancial information and other documentation can be forwarded bymail, fax, or email as follows: [redacted] ***, Fax: ###-###-####, Email: [redacted] Please include the ten-digit loan number on all correspondence

Initial Business Response / [redacted] (1000, 6, 2015/11/12) */ This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on October 28, and received by Specialized Loan Servicing LLC ("SLS") on November 4, regarding credit bureau reporting for the above referenced mortgage account Our records reflect we responded to similar inquiries with our letters dated July 10, and September 11, We have enclosed copies for your reviewBelow is the response we provided: Our records indicate that your mortgage payment was due on April 25, and was received on June 8, As such, the mortgage payment was or more days past dueAt this time we do not see an attempt to make the payment for May and several calls were made to try to reach you before the payment was over days past dueAccordingly, this information was reported to the credit reporting agenciesIn accordance with the Fair Credit Reporting Act (FCRA), SLS is required to report payments and account information accurately; therefore, credit cannot be corrected as a courtesy Please note that SLS has complied with your requests for information in accordance with both state and federal lawAs such, we consider this matter resolved In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at 1-800- XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] Really!!! their responds takes no responsibility on their end......makes it feel like I was still in the wrong Revdex.com are you really doing your true job intended?? What's the point in filing a complaint when you side with the complainant Did they once in their response take responsibility for what they did? this is worthless( Revdex.com) I filed this complaint because to the hours and hours I spend correcting this problem on their end please read their response Do you think its expectable if it happened to you or your family I have no idea how you grade but it sucks!! worthless trying anymore with you guys I corrected all the issues with hours and hours on my own I cant believe this is legal in America

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on December 2, and received by Specialized Loan Servicing LLC (“SLS”) on December 5, and your faxed Qualified Written Request (“QWR”) dated and received on December 7, 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, On December 7, we reversed thecurtailment dated March 14, in the amount of $1,Also, on December 7, we havereversed and reapplied all payments from May 1, to October 1, and correctly to apply themonthly payments and amounts applied to the escrow account as intendedWe completed an updatedescrow analysis on December 7, which now reflects a surplus of $The monthly paymentdecreased from $1,to $1,We received your faxed request on December 9, with yourauthorization to use the surplus balance from the escrow account and apply towards the December 1,paymentOn December 19, we have posted the funds for the December 1, payment asrequestedThis account is contractually due for the January 1, 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 matterWe 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 ariseWe 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:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 6, 2015/06/19) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 5, and received by Specialized Loan Servicing LLC ("SLS") on June 9, regarding a loan modification and payment history for the above-referenced mortgage account According to our records, we received a similar dispute from the Consumer Financial Protection Bureau ("CFPB") on June 10, This written Denver Revdex.com complaint will be addressed along with the CFPB complaint Your account has been assigned a relationship manager, [redacted] Teller ID#XXXXX, as a single point of contactIf [redacted] is not available any associate may assist you 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 / [redacted] (3000, 8, 2015/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) They had no responseJust gave my contact person who I already spoke to before filing complaint with no success Complaint Response Date bumped because: Holiday Final Business Response / [redacted] (4000, 10, 2015/07/20) */ This letter is in response to your rebuttal filed for the case filed with the Denver Revdex.com ("Revdex.com") on June 5, and received by Specialized Loan Servicing LLC ("SLS") on June 8, regarding your request for a modification review for the above referenced mortgage account After review of our records we have confirmed that an active Consumer Financial Protection Bureau, ("CFPB") was in process at the time of our previous responseOur records indicate the CFPB review was completed and a response sent to you on June 23, We are enclosing a copy of our response in connection with the CFPB review for your records We trust all of your concerns have been addressed with the resolution sent to the CFPB In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, 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 / [redacted] (1000, 12, 2015/09/10) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 20, and received by Specialized Loan Servicing LLC ("SLS") on August 21, regarding a cease and desist for the above referenced loan According to the original loan documents, you are the only borrower listed on the note and therefore responsible for the debtEven a divorce decree naming only one of you as responsible for the account would not alter the original loan documents SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan Note signed at closingFor this reason, we are not authorized to alter or amend any condition of the original loan agreement, such as removing you, the primary borrower, from the NoteIn order to remove your name from the note, this account would need to be refinanced soldAs SLS does not handle loan assumptions or refinances, you may wish to contact a financial institution of your choosing Our records do not indicate active bankruptcy on this account In your correspondence, you reference a mailing address that is different from what we have on fileIf you wish to update your mailing address, please provide us with a written correspondence, outlining your requestAs a courtesy, we are responding to the address in your correspondence SLS has received your cease-and-desist requestAccordingly, your home and work telephone numbers have been removed from our records, and you will no longer receive collection calls of any kindOur only communication will be through written correspondence henceforth 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

Initial Business Response / [redacted] (1000, 9, 2015/09/10) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 27, and received by Specialized Loan Servicing LLC ("SLS") on August 28, regarding credit reporting for the above-referenced mortgage account We have not reported any negative payment information to the credit bureaus for December The posting of your payments was due to an internal website computer system issue On September 2, we submitted a manual update to the credit reporting agencies to show the payments submitted for April and May were received on time as currentTypically, the updates are received within hours however; it may take approximately 45-days for the credit bureaus to update your official records with this informationPlease use this letter as verification of this correction If your credit report continues to reflect inaccurate information after that time, please dispute the reporting directly with the credit reporting agenciesIn accordance with the Fair Credit Reporting Act (FCRA), Specialized Loan Servicing, LLC is required to report payments accurately as they are received; therefore, credit cannot be corrected as a courtesyA copy of the payment history for the account is enclosed We apologize for the frustration that you have experienced regarding this matterWe strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear you were unsatisfied with our servicing of your account If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 3, and received by Specialized Loan Servicing LLC (“SLS”) on November 4, 2016regarding a partial lien release for the above-referenced mortgage account.We received your required lien release documents on September 23, A lien verification report wascompleted on October 11, 2016, and on November 3, we completed the partial lien release, whichwas sent to you via United Parcel Service tracking # [redacted] We have enclosed a copyfor your records.In researching your account, we have found no errorsYou have rights 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:a.muntil 6:p.mMT or TDD [redacted] , Mondaythrough Friday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 6, 2015/10/15) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 10, and received by Specialized Loan Servicing LLC ("SLS") on October 5, regarding the billing statements for the above-referenced mortgage account Billing statements are sent out as a courtesy and reminder of the next monthly payment dueYou have a fixed rate second mortgage and the payments are due on the 11th of each month with a grace period of daysYour billing statement will not be generated until after your monthly payment is completed each monthYou can also access your monthly statements onlineYour account is contractually due for November 11, in the amount of $ 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 Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/10/17) */ (The consumer indicated he/she DID NOT accept the response from the business.) they still haven t answered the ques of why the payments have been arriving late Final Business Response / [redacted] (4000, 10, 2015/10/23) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 17, and received by Specialized Loan Servicing LLC ("SLS") on October 20, regarding payment posting for the above referenced mortgage account In your previous inquiry we had responded to the billing statements contention with our response dated October 14, as you had inquired in your disputeIn the current correspondence you are asking why the payments have been arriving late The most common method of payment is by checkExcept for the cost of the postage, this service is free to the customerThese funds are mailed to our payment processing center, also known as the "lock box a post office box used by organizations to accelerate the collection of paymentsChecks are routed to a designated PO box number, where they are picked up several times a day, copied, deposited and recorded via tape for posting to the servicing system." Payments may take business days for deliveryIf the customer chooses to send us a check using an overnight service, they must send the package to the Highlands Ranch addressThe lock box uses a PO BoxOvernight services do not deliver to a PO Box Payments received at an SLS location on a business day prior to 5:p.mET and in proper form will be effective dated as of the date of receipt 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

Dear [redacted] , This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on July 7, and received by Specialized Loan Servicing LLC ("SLS") on July 10, regarding a fee assessed to the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondences dated July 22, 2015, August 5, and August 17, Enclosed is a copy of the letter for your referencePlease note that Specialized Loan Servicing LLC ("SLS") has complied with your request for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your client's loan, please contact our Customer Care Department As previously stated, escrow was forced on the above-referenced account due to delinquent flood insurance in accordance with the Deed of TrustAs a courtesy, we have once again enclosed a copy of the Deed of Trust your review A payoff quote which details the amount needed to satisfy the above reference account 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 In compliance with the laws set forth by the state of Washington, enclosed is the following information: Your account is not currently due for a monthly payment The current principal balance due is in the amount of $ There are no funds held in a suspense account The escrow balance as of today is $There is not an escrow shortage Note holder contact information: E*Trade Bank [redacted] Specialized Loan Servicing LLC ("SLS") is the servicer of the loan on behalf of the investorCorrespondences made with the investor will be handled by SLS If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT