Specialized Loan Servicing, LLC

This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on December 9, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 10, 2015 regarding access to this account on the above referenced loan.
According to our enclosed letter dated...

November 27, 2015, we are still missing documentation to update this account. We need the necessary documents related to the estate. We will need a certified death certificate dated November 24, 2105. Once we receive this documentation we can update our records and this account.
We have added [redacted] and you, [redacted] as Executor's of the estate and as authorized third parties on the account. Both [redacted] and you will be able to receive and/or provide information concerning the above referenced account.
We have enclosed a payoff quote dated December 10, 2015 and we also faxed a payoff quote to [redacted]. This quote expires on January 11, 2016.
We apologize for the frustration that you have experienced regarding this matter. We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handle all comments or concerns with the utmost consideration, and we regret to hear you were unsatisfied with our servicing of this account.
We are committed in assisting borrowers whom are having a financial hardship. Please contact our Customer Resolution (CR) Department toll free [redacted], Monday through Friday, 6:00 a.m. to 9:00 p.m. MT. The CR associate will require certain financial documentation in writing in order to determine what alternative payment option(s) may be available to you. It is crucial that you complete the worksheet and forward it along with any additional documentation required to the CR Department as quickly as possible. The financial package is enclosed.
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 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.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on December 13, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on December 14, 2016, as well as your correspondence received by SLS on December 14, 2016 regarding loss mitigationassistance for...

the above-referenced mortgage account.In your dispute, you state that SLS did not report the loss mitigation status correctly and hold foreclosureproceedings. Contrary to this, a review of SLS’ records indicates the foreclosure file was confirmed as on hold on August 11, September 29, October 26, November 4, and December 9, 2016. Due to thedelinquency of the mortgage account, it is currently active in the foreclosure process; as of the date of thisletter, there is no foreclosure sale scheduled.With regard to your concerns that you were unable to reach the single point of contact, contrary to this areview of SLS’ records indicates the attempts to speak with you were made on August 9, August 10, August 12, August 15, and August 17, 2016. The enclosed letter dated September 7, 2016 was sentadvising that SLS was unable to offer you a Deed In Lieu offer at that time as you were not able toprovide Clear Title before the closing date. Additional attempts to contact you were made on September22, and September 29, 2016. On September 30, 2016, in a telephone call, you were advised that SLSwas not able to approve the Deed In Lieu that was started with the prior due to an outstandingHomeowner’s Association (“HOA”) lien on the title. SLS requires proof of Clear Title prior to completing a Deed In Lieu offer. On October 24, 2016, in a telephone call, you advised SLS that you were interestedin a retention foreclosure alternative.In your dispute, you state that you were unable to reach a supervisor. Contrary to this, on November 9,2016, in a telephone call with a SLS supervisor, you were advised that SLS was processing yourdocuments and we are unable to escalate the processing. Financial documents were subsequentlyprocessed on November 10, 2016. The enclosed letter dated November 11, 2016 was sent advising thatSLS received your financial documents and we were in the process of reviewing them. On November 17,November 23, November 28, December 6, 2016, in telephone calls, SLS advised you that the accountwas under review for loss mitigation programs.In your dispute, you state that SLS has not reviewed your Request for Mortgage Assistance (“RMA”). Contrary to this, the enclosed letter dated December 8, 2016 was sent advising that, after a review of thesubmitted financial information, SLS was unable to offer you a retention offer at that time.On December 19, 2016, in a telephone call, you requested to know if you are able to make a contributionin cash in order to qualify for a loan modification. A review of SLS’ records indicates that we are unable to provide a contribution amount/figure. SLS requires a Letter of Explanation detailing the exact amountof the proposed contribution and proof of funds in order to research the account further.As of the date of this correspondence, the account is currently active in the loss mitigation reviewprocess. The paystubs provided have been submitted for processing to determine their validity.Additionally review notes indicate as of December 22, 2016 SLS requires proof of receipt of the rentalincome indicated on your RMA in order to proceed with our review of your request. As SLS is not inreceipt of a complete financial package at this time, we are unable to hold the foreclosure process.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

Initial Business Response /* (1000, 5, 2015/05/26) */
Dear [redacted] and [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 5, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 14, 2015 regarding fees,...

payments and late charges for the above referenced mortgage account
The loan transferred for servicing on April 1, 2015. Our records indicate a fee was transferred from the prior servicers when the loan boarded in the amount of $42.00 for property inspections. This fee has been paid with additional funds sent on May 5, 2015.
No late charges have been billed to the account.
The zip code referenced for your property address is listed above. Per your origination documentation this is the zip code associated with the property at the time the loan originated. We have enclosed a copy of your Note and Deed of Trust for your review. If the county emergency response system has reassigned your zip code or if you have supporting documentation from the county or government agency that advises of an updated zip code please remit it to our offices so we may further review.
Our records indicate a [redacted] 7 [redacted] was filed and discharged on July 27, 2010.
This information is provided in response to your request and does not constitute a demand for payment.
SLS is obligated under [redacted] to comply with the requirements of the Automatic Stay.
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.
Initial Consumer Rebuttal /* (3000, 7, 2015/06/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Why should I be held to pay for a loan transferring fee from [redacted] when I did not ask for my loan to be transferred? Yes the fee was paid with additional funds sent on May 5th, those funds were paid by ME because they were attached to my monthly bill. I should NOT have to pay fees that I had nothing to do with.
Yes, back in 2005 when the property was purchased that WAS the zip code of the property. What is the zip code that shows on ALL of the paperwork you received from [redacted] It is XXXXX, the zip code for [redacted] Don't believe me then try Google! I am on a work [redacted] in [redacted] right now and cannot just waltz down to some county building because you are too lazy to simply do something so easy to do.
I want a copy of what the Federal Bankruptcy Laws are in regards to the Automatic Stay. That it says that I have to be handled by a special department that is not even a part of SLS and thus cannot use Bill Pay or other more convenient means to pay my mortgage.
You obviously did not research that well, and you know and I know that if I call the number you listed that I will NOT speak to an SLS representative but instead will speak with someone from that bankruptcy division that will tell me that there is nothing they can do. Like I said in my original letter, you use smoke and mirrors and provide no service to your customers whatsoever.
It would have been an easy fix.
Refund my $42.
Change my zip code (again, see [redacted]
And that would have been it.
Instead you want to try and use a large response with what is perceived to be well thought out and well versed language in hopes that you are dealing with the typical schmuck that you were hoping you were dealing with.
So not the case and I am so not satisfied with one, the response, and two, the amount of time it takes you to even word said response.
Final Consumer Response /* (4200, 11, 2015/06/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
You answered nothing. Not one single thing. You even copied and pasted in a couple of instances from the response you sent last time.
Why should I have to pay for a "property inspection assessed by the prior servicer?" Yes it was paid with additional funds. MY funds. So again, why should I have to pay for this? Answer? I shouldn't. And you know it.
Again, I am NOT in the US right now so I cannot go down to the county courthouse to get you the zip code that you already have on all the documentation sent over by Chase. You have it, and you know you have it.
Bill pay was given as an option by YOUR employee. I didn't just make it up.
I cannot pay online because you have me labeled as a bankrupt person and therefore cannot be trusted to pay through normal channels.
This whole thing is just leaving a more sour taste in my mouth. It is obvious that SLS has not the first clue as to what "Customer Service" is truly about. If they did then at the very least they would refund the money that they know I should never have had to pay, and an amount that YOUR employee told me I would not have to pay, but yet there it was attached to my monthly bill.
Thank you so very much for proving my point.
Final Business Response /* (4000, 13, 2015/06/22) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on June 11, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 15, 2015 regarding prior servicer fees for the above referenced mortgage account.
Our records indicate that we have previously responded to similar requests on May 26 and June 10, 2015. We have enclosed these letters for your records.
We are unable to waive any outstanding fees assessed by the prior servicer including the $42.00 property inspection fee. You may wish to contact the prior servicer if you feel this fee was assessed by them in error.
Our records are accurate for the property address, including the zip code, based on our legal documentation. Until we get other updated documentation we cannot change this information.
SLS is obligated under Federal Bankruptcy Law to comply with the requirements of the Automatic Stay. At this time we cannot contact you to collect payments because of the discharged Chapter 7 Bankruptcy; however, voluntary payments are accepted to protect your interest in the property. As stated previously, you may use the following payment options:

Pay online at www.SLS.net (for current accounts)
Pay over the phone by calling X-XXX-XXX-XXXX
Pay by regular mail at P.O. Box XXXXXX Atlanta, GA XXXXX-XXXX
Pay by overnight mail at 8742 Lucent Boulevard, Suite 300 Highlands Ranch, CO XXXXX
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.
We apologize for the frustration that you have experienced regarding this matter. We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise. We 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, 6:00 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 rebuttal filed with the Denver Revdex.com ("Revdex.com") on December 28, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 29, 2015 regarding access to this account on the above referenced loan.
Our records indicate that we have previously responded to a similar request regarding access to the account on December 21, 2015. We have enclosed this letter for your records.
We are still missing documentation to update this account. We need the necessary documents related to the estate. We will need a certified death certificate. Once we receive this documentation we can update our records and this account.
This account was updated on December 31, 2015 to reflect this account has been paid off. This account reflects a zero ($0.00) principal balance. If it is determined that there is an overpayment, it will be refunded under separate cover. A copy of the lien release will be recorded with the county within 90 days.
It is not clear which documents you are referring to in your correspondence.
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 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.
Complaint Response Date bumped because: Data Base Migration

Dear Estate of [redacted],   This letter is in response to correspondence filed with the Denver Revdex.com (”Revdex.com”) by an unauthorized third party on January 24, 2018 and received by Specialized Loan Servicing LLC (“SLS”) on January 24, 2018.   To protect your information SLS...

is unable to respond to an unauthorized third party request.   If you would like to add the unauthorized third party to your account, please complete and return the enclosed third party authorization form.   In order for the inquiry to be reviewed further please ensure the third party information has been updated and resend the request to the designated address below.   Specialized Loan Servicing LLC PO Box 630147 Littleton, CO 80163-0147   It is necessary that the representative of the borrower’s estate provides Specialized Loan Servicing LLC appropriate documents related to the estate.  Please forward the following documents to our Customer Support Department via fax at 1-720-241-7218 or by mail to the following address: Specialized Loan Servicing LLC, ATTN: Customer Support, P.O. Box 630147, Littleton, CO, 80163.   The name of the executor or personal representative;Legal documentation reflecting executor or representative’s right to represent the estate. These documents may be titled, “letters testamentary”, “letters of administration”, or “letters of representation”;Proof of property ownership;   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.   Sincerely,                           Bradley ID #30857 Customer Care Support Specialized Loan Servicing LLC

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) on May 25, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 5, 2016 regarding payments for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request for payments, credit reportingand late fees on June 6 and June 15, 2016. We have enclosed these letters for your records.SLS is a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documents. We cannot change the terms of the original note signed at origination.Our records reflect that you contacted our representatives on May 25, 2016 and completed an on linepayment. At this time we reversed and waived the late fee in the amount of $143.88 as a courtesy for theMay 1, 2016 payment due. Again, there were no negative reports to the credit bureaus on this accountsince it service transferred to SLS on February 1, 2016. You can send in a payment bi-monthly if youwish but our system will not post a full contractual payment until we receive the full contractual amount.We apologize for any inconvenience. We understand you had requested a payoff and we have encloseda copy that was sent to an authorized third party for your records.You requested a phone call to discuss your account and setting up automatic payments in your lastcorrespondence. Our records show that we contacted you from our executive department on July 1,2016 and you refused to discuss your account or any questions you had with our representatives forassistance and hung up. At this time if you wish to discuss your account, you will need to contact us atour telephone number listed below.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.)
To whom it may concern:
I find it very alarming that in response to my complaint, there continues to be inaccuracies listed regarding my request.
1. I called SLS on Friday 12/11/15 and was advised that the above mentioned request had been denied effective on 12/10/15. This was shortly after being asked to fax additional information regarding the above mentioned RMA.
2. I was finally able to speak with a supervisor on 12/11/15 named "[redacted]", who advised me that beyond not having a box checked on the RMA, that other fields on the form were not completed correctly. This was the FIRST time that this had been mentioned.
3. SLS continues to claim they haven't received an updated copy of the lease agreement with the property management company. This is incorrect - there is an addendum for the lease agreement through April 2016, which on at least three occasions the representative "[redacted]" stated that he could see, but continually attempted me to falsify and send in a document that didn't exist. The lease I have, is binding and legal in the state of Minnesota. SLS has a copy of this document.
I interpret SLS' actions against me and my wife as retaliatory due to filing this claim. To properly resolve this matter, I hereby request ALL documentation that I have sent to them returned to me. This includes all originals and other financial documents that I provided to them. They have also falsified their response above by stating that the matter is still pending. I was informed that my request had been denied.
I expect all documents, including all RMA documents returned to me immediately upon receipt of this response.

This letter is in response to your dispute filed with the Denver Revdex.com (“Revdex.com”) onNovember 6, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 7, 2016regarding the foreclosure and loan modification and on the above-referenced mortgage account.According to our...

records your Chapter 7 Bankruptcy was discharged on January 31, 2006. SLS isobligated under federal bankruptcy law to comply with the requirements of the Automatic Stay. Thisinformation is provided in response to your request and does not constitute a demand for payment.On November 16, 2016 the foreclosure sale on this property was rescinded. On November 8, 2016 wereceived your final trial payment in the amount of $787.70. As you have completed making all three trialmodification payments, we are in the process of completing a permanent loan modification offer on thisaccount. Once a decision has been reached or any additional information is needed you will be notified ofthe results. Please accept our apologies for any inconvenience this has caused.We have enclosed a copy of a payoff quote issued on November 7, 2016. This quote will expire onDecember 2, 2016. We have also enclosed a copy of the payment history and transaction codes for yourrecords.In researching this 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. Financial information and other documentation can be forwarded bymail, fax, or email as follows: [redacted], Fax: [redacted], Email:[redacted]. Please include the ten-digit loan number on all correspondence.

Complaint: [redacted]
I am rejecting this response because: SLS enter all 3 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 parcels. they 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 2 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 2015. 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 3 of the parcels the illegally entered all 3 parcels into and escrow account in September 2014 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 $500.00 cost for legal fees to my claim as well.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because SLS again failed to explain why they reported past due payment in JUNE to credit bureaus for the account that was FULLY paid out and closed in MARCH. SLS lists a number to call "with any questions" but the customer service at that number knows absolutely nothing and keeps referring me to fax documents with additional complaints. I have faxed a complaint before going to Revdex.com, but the response was absolutely incomprehensible, just as it is now. Even my mortgage broker cannot understand what SLS is saying, given that they DID report a past due notice to the bureaus. Per SLS's request I am attaching the credit report (SSN's redacted). Trade item #17 shows clearly that in June SLS reported the past due payment for this account that has been paid off and closed for three months at that point.Please feel free to call my cell phone anytime if you have any further questions about this: [redacted]. Once again, reporting a past-due payment in this case is against Federal Law. For some reason we keep miscommunicating about this seemingly simple issue. My next step would be to involve the lender who originally sold the loan to SLS. If that doesn't work I'll file a complaint with Consumer Financial Protection Bureau.What I request SLS to do to resolve the matter. I request that SLS sends a letter to me (via Revdex.com or mail) acknowledging that they see a past due flag from them on my credit report and that this was reported by SLS to the bureaus in error. With this letter my mortgage broker will contact the bureaus and will remove the flag.
Sincerely,
[redacted]

This letter is in response to a written request received by Specialized Loan Servicing LLC (“SLS”) onAugust 19, 2016, regarding our response for the above referenced account.After a review of our records, SLS responded to your correspondence dated August 3, 2016 by letter onAugust 12, 2016. We have...

enclosed for your review.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.

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onApril 11, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on April 26, 2016 regarding lien release on the above-referenced second mortgage account.Our records indicate that we have...

previously responded to a similar request for lien release on April 20,2016. We have enclosed this letter for your records.Our records reflect we received the funds in the amount of $9,003.20 and this account was paid off onFebruary 24, 2016 and reflects a zero ($0.00) principal balance. We have previously faxed a copy of therecorded lien release to Tracey Price at Prominent title Agency at [redacted]. We will encloseanother copy of the recorded lien release and re-fax a copy of this document to Prominent Title Agency at[redacted].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.

Complaint: [redacted]
I am rejecting this response because:SLS fraudulently took money from me in September, October and November 2017.  This company indicates they need documentation from executor of the estate, there isn’t one.  SLS excepted a handwritten note to initially speak to me and take my money but then failed to uphold their agreement on the loan modification that they offered.  If they are not able to speak to me then why did they take my money to begin with? I am requesting to be reimbursed all three payments that they took from my account since that was done in error on their part. (This was confirmed with me the last time I called them in January) 
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/08/20) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 11, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 12, 2015 regarding credit reporting for the above referenced...

mortgage account.
Your credit reporting is put on hold while a dispute is being researched, however once we have completed our research and issued a response we resume our normal collection and credit reporting activities per the Real Estate Settlement and Procedures Act guidelines. We received an intitial dispute regarding your loan modification on May 22, 2015, which postponed the credit reporting on this account. Any Qualified Written Request we receive will postpone credit reporting as required by law. We have submitted a manual update to the credit bureaus as a courtesy to report the account as current on August 12, 2015. Typically, the updates are received within 72 hours however; it may take approximately 45-60 days for the credit bureaus to update your official records with this information. Please use this letter as verification of this update. This account is contractually due for August 20, 2015 in the amount of $376.93. We have enclosed a copy of the payment history with our transaction codes for your records.
We apologize for the frustration that you have experienced regarding this matter. We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handle all borrower comments or concerns with the utmost consideration, and we regret to hear you were unsatisfied with our servicing of your account.
In researching your account, we have found no 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.

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) onNovember 7, 2016 and received by Specialized Loan Servicing LLC (“SLS”) November 22, 2016regarding account information and credit reporting for the above referenced second mortgage account.Our records indicate that we have previously responded to a similar request for credit reporting onNovember 18, 2016. We have enclosed this letter for your records.Our records reflect this account was paid off on November 9, 2016 and reflects a zero ($0.00) principalbalance. We sent you a refund in the amount of $2.75 on November 24, 2016. We enclosed a copy ofthe recorded lien release that was recorded on November 22, 2016 for your records.There are no inaccuracies in the information we have reported to the credit bureaus. In accordance withthe Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they werereceived; therefore, credit cannot be corrected as a courtesy.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.

This letter is in response to a complaint filed from your client with the Denver Revdex.com ("Revdex.com") dated December 18, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 21, 2015 regarding billing statements for the above referenced mortgage account. A copy of this...

correspondence is enclosed for your records.
This account service transferred to SLS on April 10, 2015. Our records indicate that your client filed a Chapter 7 bankruptcy which was discharged on April 24, 2012. SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay. This information is provided in response to your client's request and does not constitute a demand for payment.
We can only send out billing statements in the event that the loan is reaffirmed or we have court ordered documents stating that we can send out billing statements on a discharged Chapter 7 Bankruptcy.
According to our records this account is currently paid through January 2016 with a voluntary payment in the amount of $196.45. The current principal balance is approximately $23,926.47. This is not intended to be a voluntary payoff figure. We have enclosed a copy of the payment history and transaction codes for you and your client's records.
As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of the automatic stay, which precludes any attempt to collect a debt, including billing statements or automatic deductions from your client's banking account. Your client is able to contact our Customer Care department at the number listed below to obtain information regarding this account. Additionally, if your client would like to continue to make voluntary payments to the account to protect their interest in the property, your client may use the following payment options:

Pay online at [redacted] (for current accounts)
Pay over the phone by calling [redacted]
Pay by regular mail at [redacted]
Pay by overnight mail at [redacted]
As per [redacted] request, we have added [redacted] as an authorized third party on the account. [redacted] will be able to receive and/or provide information concerning the above referenced account.
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 client's reference as outlined above.
If you or your client 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”) and received by Specialized Loan Servicing LLC (“SLS”) on December 19, 2016, as well as correspondence dated December 19, 2016 and received by SLS on December 20, 2016 regarding the account status...

andbilling statements for the above-referenced mortgage account.In your complaint, you reference concerns regarding the servicing of the mortgage account with the priorservicer(s). Please note SLS is unable to comment on these concerns as we were not a party to thosetransactions. Please send any concerns regarding the servicing of the mortgage account with the priorservicer(s) directly to that servicer.A review of SLS’ records does not indicate the receipt of the December 9, 2016 funds referenced in yourcomplaint. A copy of SLS’ transaction history with transaction codes is enclosed. We require valid proofof payment in the form of a complete, rolling bank statement showing the funds were received by SLS ora copy of the front and back of the check in order to research the account further.Our records indicate that the Chapter 7 Bankruptcy was discharged on December 26, 2010. It is thepolicy of SLS that monthly statements and/or payment coupons will not be sent for active bankruptcyaccounts or those accounts that have been discharged from Chapter 7 Bankruptcy, unless required bylaw.With regard to your request for a payment plan, a review of SLS’ records indicates the account is currently active in the loss mitigation review process. Initial financial documents were received onDecember 23, 2016. The enclosed letter dated December 27, 2016 was sent advising that, as of the dateof this correspondence, SLS still requires a completed Request for Mortgage Assistance (“RMA”) application. A copy of the SLS Mortgage Assistance Application is enclosed.In accordance with your request, a copy of the reinstatement quote dated December 27, 2016 isenclosed.If you want to make voluntary payments to the above referenced account, use one of following paymentoptions:? Pay over the phone by calling [redacted] ? Pay by regular mail at [redacted] ? Pay by overnight mail at [redacted] Access to the account is not granted at this time as the account is past due. Once the account is in acurrent status you will be able to access the account online at that time.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.

This letter is in response to your response filed with the Denver Revdex.com (“Revdex.com”) dated and received by SLS on February 26, 2018, 2018 regarding the system for setting up Automated Clearing House (“ACH”) Payments for the above-referenced account.  SLS has partnered with CMC Funding, Inc. (“CMC”) to service your mortgage and will be acting as the servicer on behalf of CMC.    Our records indicate that we have previously responded to a similar request regarding the ACH issues on February 23, 2018.    Our system at this time will only accept payments reflecting the primary borrower’s name, unless there is a joint account listing both borrowers that the funds are being withdrawn from.  We are not able to reflect the co-borrower in our computer system for ACH payments; this is a system limitation and constraint. This is not a condition of an internal policy to be revised.  In our response dated February 23, 2108, we provided other options to complete your payments.    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.  We regret to hear that you were unsatisfied with our servicing of the account.    We have researched your account and our records indicate that the ACH 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 CMC 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 CMC Customer Care toll free at 1-866- 391-3070,, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. CMC accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is response to a complaint filed from your clients with the Denver Revdex.com (“Revdex.com”) on May 31, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on June 1, 2016 regarding a payoff on the above-referenced mortgage account. A copy of the correspondence is enclosed...

for your review. We have enclosed a copy of the payoff quote requested dated June 7, 2016 that expires on June 16, 2016. The total amount to pay off this account is $27,461.12.   In compliance with the laws set forth by the state of North Carolina, enclosed is the following information: •           This account is paid through the July 1, 2015 with a voluntary payment in the amount of $656.32 and each month that became due thereafter.•           The current principal balance due is in the amount of $24,979.03.•           There is $544.80 being held in a suspense account.•           The escrow balance as of today is -$1,207.21.  This is an escrow shortage.            Note holder contact information: [redacted]
            [redacted]
[redacted] Enclosed is a copy of your signed Note as well as your payment history for the above referenced loan.  SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS. SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay. This information is provided in response to your request and does not constitute a demand for payment.   In researching this account, we have found no errors. Your clients’ 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 their reference as outlined above.           If you or your clients have any questions regarding this information, please contact Customer Care toll free at ###-###-####, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD ###-###-####, 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 29,2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 29, 2016 regarding accountinformation the above-referenced mortgage account.This account service transferred to SLS on...

February 16, 2015. Our records do not reflect a completedloan modification with the prior servicer and the loan modification that was reviewed with SLS was deniedon March 16, 2016. Our records show the property was acquired on April 29, 2016 and is now RealEstate Owned (REO). If you have any additional questions, you will need to contact Specialized AssetManagement regarding information on the property listed above.Your correspondence had a mailing address that is different than the one listed in our systems, thereforewe are responding to the address listed in your correspondence as a courtesy. Please contact as thenumber listed below to update your mailing address information verbally or send written confirmation ofsuch to us at the address or fax number listed above.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 your reference as outlined above.SLS is unable to provide further information regarding this loan. If you have specific property relatedquestions please contact Specialized Asset Management (SAM) at [redacted].