Specialized Loan Servicing, LLC

Complaint: [redacted]
I am rejecting this response because:
I never received an over payment check from SLS for seven hundred ten dollars or any amount for that matter.  I received a check from [redacted] for four hundred odd dollars but none from SLS regarding the over payment....

 Please send me a copy of the cashed check with my signature on it.  I doubt you will find it because it was never sent.   Where did that claim come from?  [redacted] said SLS should send me one because its the law.  You know what I told them?  I laughed and said you don't know this company.  Again, you have all those dates which are great.  However, if you listen to the tapes of my concerns to your executive services and their assurances that this was getting taken care of it doesn't jive with your story.  Another thing that doesn't jive is the fact SLS keeps dancing around is why was there negative reporting on my credit in the first place?  Why whenever I called SLS the first person I would talk to stated that I was delinquent on my payments?  How come you didn't document those conversations in your response?  Doesn't make sense does it?  Send me my over payment amount please and when do I expect to see it in the mail?  I never asked for the loan modification and I never asked for the second either as SLS claims.  It was a one page letter in the mail that was sent to me simply saying if I wanted to extend the interest only period to sign on the line.  No fees, no this and that, no fine print and certainly no putting my payments into a suspense account billing me for a higher balance while allowing your billing department to wreak havoc on my credit.  Don't see my point yet?  Include why my credit was taking a hit in your story and then see how well it makes sense.  Poor communication between SLS departments and what I view as confusing charges and double charges is what I am very unsatisfied with your answer.  You claim that you did everything by the book but you are leaving the errors of your department from your response. 
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/07/23) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on July 10, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 13, 2015 regarding a loan modification and payment history 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 response. Our records indicate the CFPB review is being completed and a response will be addressed and sent to you regarding the modification with the CFPB complaint.
In researching your account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below
If you have any questions regarding this information, please contact Customer Care toll free at 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, 2015/07/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There were errors in the whole thing they did...I even had the NHS in on it. NSH even told me not to send in paper work signed that is wrong!!You send me wrong paper work and want me to sign it and send it in?? And you find no errors in that?? I was mislead in the whole process. Now I am asking for paper work on my mortgage and have not received it. It is funny how only the paper work that I need never gets to me from SLS. I am sorry, SLS needs to listen to the recordings of all the times that I called and had HUD, and NSH call. Listen to those and tell me nothing was wrong...Kirkland, Billie and Bradley tried to bully me into signing paper work that was wrong, They even said it was wrong, they were nasty and not helpful at all. Then I get a letter that tells me I need to apply for a Mod to help me. I already did that and got a Mod!! Sorry I don't except your answer on this.
Final Business Response /* (4000, 10, 2015/08/04) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on July 27, 2015 and received by Specialized Loan Servicing LLC ("SLS") on July 28, 2015 regarding prior servicer fees for the above referenced mortgage account.
Our records indicate that we have previously responded to a similar request on July 22, 2015. We have enclosed this letter for your records.
Our records indicate that the account was approved for a permanent modification which we have enclosed for your records. You are not required to accept any modification you feel is not beneficial to you. We show this account is contractually due for the September 1, 2015 payment in the amount of $1,148.59.
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.

Dear [redacted] and [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on December 15, 2017 regarding the calculation of the interest payment on the above-referenced...

mortgage account (the “account”).   SLS’ records indicate the servicing of the mortgage account transferred to SLS effective November 1, 2014.  At that time, the account was due for the November 1, 2014 contractual monthly payment.  We understand the account was included in a Chapter 7 bankruptcy that was discharged on August 18, 2008. 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 January 1, 2018 contractual monthly payment.   With regard to your concerns about the calculation of the interest payment, SLS’ records indicate on November 13, 2014 SLS received your payment in the amount of $4,529.22.  At that time, the interest rate on the account was 2.62500%; $1,896.61 was applied to principal, $1,378.48 was applied to interest and $1,254.13 was applied to the escrow account.  The interest amount was calculated using an unpaid principal balance of $630,163.14 and the above-noted interest rate of 2.62500%, which results in a per diem of approximately $45.32.  The billing period was 30 days, which resulted in the interest due of $1,378.48.      On December 6, 2017 SLS received your payment in the amount of $4,857.60.  The interest rate at that time was 3.75000%; $1,857.80 was applied to principal, $1,753.19 was applied to interest and $1,246.61 was applied to escrow.  The interest amount was calculated using an unpaid principal balance of $561,020.34 and the above-noted interest rate of 3.75000%, which results in a per diem of approximately $57.64.  The billing period was 30 days, which resulted in the interest due of $1,753.19.   SLS’ records indicate the interest rate is currently 3.87500% and the unpaid principal balance is $559,162.54 (this is not a payoff quote), which results in a per diem of approximately $59.36.  The billing period is 30 days, which results in the interest due amount of $1,805.63.  SLS sent you a periodic statement dated December 6, 2017 (a copy of which is enclosed) advising the full monthly payment due January 1, 2018 is $4,893.29; $1,841.05 for the principal, $1,805.63 for the interest and $1,246.61 for the escrow.    SLS has confirmed the calculation of the interest due to be accurate.  Accordingly, SLS is unable to accommodate your request to adjust the payments.  Copies of your Note, Deed of Trust and modification agreement, as well as SLS’ payment history with transaction codes are enclosed.                 We have researched your account and our records indicate that the calculation of the interest payment 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 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.

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.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I filed a previous complaint that SLS would not refund or pay the property taxes from my escrow account. They were using the money to credit the loan amount against my wishes. This was resolved through the Revdex.com, thank you. After the resolution, they send new payoff statement rather than credited they are collecting $4,250 for property taxes while they have $7,000 in my escrow account. They are refusing remove tax money from the pay off statement. They have and control my escrow account with $7,000. No need to collect an additional $4,250. As usually they are just jacking me around trying to delay delay until the closing date.Pay my property taxes using the $7,000 they have in escrow. The taxes were due Nov. 1st and delinquent after November 15. I write this today and they still haven't paid them.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 3, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 4, 2016regarding documents on a loan modification for the above-referenced mortgage account.We received your Request...

for Mortgage Assistance (“RMA”) on October 1, 2016 and it is under review.Our enclosed October 25, 2016 letter indicated we were still missing documentation needed to completethe loan modification review. At the time the letter was sent we were missing the following:· A 4506-T completed correctly with line 6 (as 1040) and line 9 should be December 31, 2014 (12/31/14) and December 31, 2015 (12/31/15) and document signed and dated. Be sure tocheck the box above the signature to accept the 4506-T.· We still need recent 30 days of consecutive paystubs showing the employer name, pay frequency and year to date income.· We need a recent Social Security award letter or recent two full months of bank statements marking the bank deposits.We have received additional information since that time, and it appears we have received all necessarydocuments. These documents are being reviewed for thoroughness and accuracy, as based onunderwriting standards.. If further documentation or clarity on the current documentation is needed, youwill be notified separately.Though requests for documentation may seem redundant, your investor may ask for current or morecomprehensive financial information at any time. This is in addition to information that may haveappeared complete previously. Additionally, documents may be invalid due to their not being signed, ornot being completed correctly. SLS is committed to helping during financial hardship; however, certainunderwriting standards must be met before we are able to complete a review for loss mitigation.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 their 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. You may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), [redacted] (Teller ID: [redacted]) by calling ###-###-####. Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: [redacted], Fax: ###-###-####, Email: [redacted]. Pleaseinclude the ten-digit loan number on all correspondence.

Initial Business Response /* (1000, 12, 2015/09/14) */
Dear [redacted] and [redacted]
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 21, 2015 regarding...

credit reporting for the above-referenced mortgage account.
Our records indicate that this loan is closed and was paid in full on November 5, 2014. After further review, we found that we are reporting credit information to the credit reporting agencies correctly and have not discovered any inaccuracies in the information we have. If you have a specific dispute regarding the credit reporting information we have reported, please send us a signed letter detailing your dispute along with an unmarked copy of your entire credit report(s) to us at the contact information above.
Please note that it is our procedure to request all complaints in writing to ensure courteous, knowledgeable and expeditious handling of any servicing issues that may arise.
In researching the account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below.
If you have any questions regarding this information, please contact Customer Care toll free at 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, 14, 2015/09/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Over the last 11 months I have sent 3 written requests to SLS to remove the loan closed November 2014 from my [redacted] report. September 2015, I have finally gotten "we are reviewing" letterbut it still shows "open" on my report! Why should a company like SLS be allowed to do nothing about their mistake? See attached screen shot from today that shows open on TransUnion.
Final Business Response /* (4000, 16, 2015/09/24) */
Dear [redacted] and [redacted]
This letter is in response to the rebuttal of case filed with the Denver Revdex.com ("Revdex.com") on August 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 21, 2015 regarding credit reporting for the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated August 26, 2015. Enclosed is a copy of the letter for your reference. Please note that SLS has complied with your request 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 the account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below.
If you have any questions regarding this information, please contact Customer Care toll free at 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 with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on October 13, 2016 and received by Specialized Loan Servicing LLC (“SLS”) onNovember 15, 2016 regarding the application of escrow funds to the required payoff on the abovereferenced 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 and October 19, 2016. We have enclosed theseletters for your records.On November 14, 2016, we paid Orange County for taxes due in the amount of $4,821.78. This accountis currently escrowed for homeowner’s insurance and property taxes. The current balance as the date ofthis letter in the escrow account is $2,278.34. We spoke with you on November 10, 2016 regarding yourinquiry of the payoff quote and explained the amounts listed. Since we have completed the tax paymentprior to the last conversation, we requested and updated payoff quote. We enclosed a copy of theupdated payoff quote that was issued on November 18, 2016 that expires on December 19, 2016 with atotal amount due of $497,012.67. We have enclosed a copy of the payment history with the transactioncodes for your records. If we determine there are overpayments after the loan has been paid in full, wewill request a refund that would be sent to you.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.

Dear [redacted],This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 13, 2017 and received by Specialized Loan Servicing LLC (“SLS”) on January 17, 2017 regarding credit reporting on the above-referenced mortgage account.In your complaint,...

you state that SLS has refused to acknowledge your request. Contrary to this, areview of SLS’ records indicates that the enclosed letter dated November 25, 2016 was sent in responseto your request to correct credit reporting for the above referenced account.With regard to your concerns about the payment change, a review of SLS’ records indicates the enclosed Escrow Statement dated June 6, 2016 was sent advising that the new monthly payment breakdowneffective August 1, 2016 was $833.84 for Principal and Interest, $442.36 for the Escrow Payment, and$68.77 for the Shortage Payment, for a total monthly payment of $1,344.97. Additionally, the enclosedbilling statement dated August 4, 2016 was sent advising that $1,344.97 due on September 1, 2016.Finally, the enclosed Late Notice dated September 17, 2016 was sent advising that our records indicatedthat your mortgage payment was more than 16 days past due, and that $135.45 was the total amount dueincluding the September 2016 late charge of $41.69.With regard to your concerns about the credit reporting, a review of SLS’ payment history indicates thatfunds in the amount of $1,251.21 were received on September 2, 2016. As these funds were insufficientto satisfy the contractual monthly payment of $1,344.97, the funds were placed in a suspense account.Subsequently, on October 4, 2016 SLS received funds in the amount of $1,344.97; $1,344.97 wasapplied to the September 2016 contractual monthly payment, $1,251.21 was held in a suspense account,as the funds were insufficient to satisfy the outstanding October 1, 2016 contractual monthly payment.On October 14, 2016 funds in the amount of $93.76, which was applied with the funds in the suspenseaccount to satisfy the October 2016 contractual monthly payment.Therefore, we found that SLS is reporting information to the credit reporting agencies accurately. Inaccordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments and account status accurately; therefore, credit cannot be corrected as a courtesy. Enclosed is a copy of the paymenthistory and transaction codes 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]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on January 25, 2018 and received by Specialized Loan Servicing LLC ("SLS") on January 25, 2018 regarding the Private Mortgage Insurance for the above referenced mortgage account. Our records indicate that...

we have previously responded to a similar request regarding the PMI removal on January 28, 2018. After the valuation was completed, you were approved to have the PMI removed from the escrow account. Our enclosed letter dated February 1, 2018 informs you that we are currently in the process of removing the PMI from your account. According to the Homeowner’s Protection Act ("HPA") regulations; we have until the end of the month to complete and remove the PMI from this account. There is nothing else you need to do. We have enclosed a copy of the appraisal for the valuation that was completed on December 22, 2017 reflecting a value of $350,000.00 for your records. 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- 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

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]   SLS you keep responding with the same evaluation and comments, we have ask for documents (Lawyer) in connection with your reason for claiming all these so call Bank/Gov. ACTS you are entitle too without justifying the charges against us. These acts are not a issue in our situation as we were never in a foreclosure position. We received a payment due date and made the payment due ON TIME as asked and IN FULL. Again for the 3rd time, Why we are being charged foreclosure fees TOTALING $1,385.32  from both the Lawyer and SLS, when this never happened!We have attached files corresponding to the truth of this matter so maybe you can understand that your charges are NOT in accordance with any regulations you have repeatedly mentioned.  [redacted] and [redacted]

(The consumer indicated he/she DID NOT accept the response from the business.)
They did nothing to remove the $84 charge from my account - this was verified with a phone call to them today. The issue has not changed. An insurance policy was taken out, without my approval or without ever contacting me directly and became in force on 5/30/15 for $9300. However on 5/30/15, the loan balance had already been paid down to $10, so there was no reason to have a $9300 policy or any policy for that matter.

Complaint: [redacted]
I am rejecting this response because:The matter was supposed resolved by the $35 fee that was verified as not appropriate, was going to be waived.  I was also informed by SLS Executive Services that the $18 fee, while supposedly covered a different billing period, would also be waived.  I am waiting for conformation on both of those.  In terms of the loan modification program, I was verbally accepted into the program, confirmed with the supervisor in October, and my file was recorded as such.  I had asked for written confirmation that in January, the program modifications (40 years vs. 30 years and 3% vs. 6% interest would be applied).  I was told that [redacted] would call me back within 2 days, over two weeks ago now, and that I would get written confirmation of what was already agreed to (recorded and documented in SLS's system).  I am still waiting for the call back and written confirmation.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/12/01) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on November 20, 2015 regarding a loan modification for the above...

referenced mortgage account.
Our enclosed letter dated November 23, 2015 reflects that you were denied for a modification because you notified us that you did not choose to accept the offer. Please note that all offers for loss mitigation or acceptance of a settlement are at the behest of your investor. As we must work within the parameters of your investor's guidelines and the guidelines of any available programs, we may not be able to offer a lower payment or lower interest rate. The goal is to bring an account current and to keep foreclosure from occurring.
At this time if you had a change in circumstance in your income or expenses, you will need to complete a new financial package; however, we cannot guarantee that the outcome will yield better results than the last offer. You may wish to call our representatives at the telephone listed below before completing another financial package in order to be sure that this would be the best option for you at this time. We have enclosed a financial package for your convenience.
In researching your account, we have found no errors. You have rights 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. You may also contact your assigned Relationship Manager/Single point of Contact (SPOC), [redacted] (Teller ID: [redacted]) by calling [redacted]. Financial information and other documentation can be forwarded to your Relationship Manager/SPOC 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 of the original complaint filed with the Denver Revdex.com ("Revdex.com") on October 31, 2017 and received by Specialized Loan Servicing LLC ("SLS") on November 16, 2017 regarding a loan modification for and payments not applied to the above-referenced mortgage account. Our records indicate that we have previously responded to similar requests regarding loss mitigation options and modification documents on October 27, November 7, and with our Revdex.com response on November 14, 2017. We are unable to review your account to determine what programs, if any, you may qualify for until we are in receipt of a complete financial package with all supporting documentation and information. At the direction of our underwriting department, we have requested and still need a signed and dated profit-and-loss statement listing all income and expenses in order to have a complete package to review for a loss mitigation option. Income indicated in your Request for Mortgage Assistance and/or tax returns must be validated. If income is no longer received, further explanation may be required. If you wish self-employment to be considered, we require a signed and dated profit-and-loss statement for the most recent quarter. Your payment in the amount of $3,600.00 was received on September 14, 2016. Your personal check was returned, as it was insufficient to reinstate your account. In our November 17, 2017 letter we responded to your concerns regarding repayment of the loan as follows: It is unclear when you were advised that we did not offer a repayment plan. In some cases, repayment may be an option; however, all offers are made at the discretion of your investor after a review is completed. Concerning the document resubmissions noted, there are certain requirements that must be met before the account can be evaluated for loss mitigation assistance. A review of the received financial documents has determined that some of the documents received were the correct document but were missing certain validations. Loss mitigation guidelines require certain information, signatures and marking/identification for validation of various documents. If the documents we receive lack the necessary validation elements, they cannot be accepted, and the loss mitigation application remains incomplete. We have researched your account and our records indicate the loss mitigation requirements 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. As part of the loss mitigation process, our records reflect that [redacted] (Teller ID #[redacted]) has been assigned as your Single Point of Contact ("SPOC"). She is available to discuss possible options and any questions you may have concerning the financial information package or the review process, including appeal. We encourage you to contact the Customer Resolution Department by calling 1-800-306-6059 Monday through Friday 6:00 a.m. to 9:00 p.m. (MST) or Saturday 6:00 a.m. to 12:00 p.m. (MST). 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”) onSeptember 17, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 20, 2016 regarding loss mitigation options and servicing of your account on the above referenced second...

mortgageaccount.Our records reflect the draw ending date for this account is on December 22, 2016. We have sent yourrequest to the department that handles modification offers to advise them not to submit or send anymodification offers to you. We understand that you are aware of the payment increase to includeprincipal and interest payments after the draw ending date. This account is contractually due for theOctober 25, 2016 in the amount of $384.04. We have enclosed a copy of the payment history andtransaction codes for your records.SLS has received your cease and desist request, effective September 23, 2016. Accordingly, your homeand work telephone numbers have been removed from our records and you will no longer receivecollection calls of any kind. Our only communication will be through written correspondencehenceforth. Our records indicate this was the first request received to cease and desist communication.In compliance with the laws set forth by the state of Washington, included is the following information:? This account is currently due for the October 25, 2016 payment in the amount of $384.04 ? The current principal balance due is in the amount of $93,435.33. This is not a payoff quote. ? There are no funds being held in the suspense account. ? There is no escrow account for this second mortgage. Note holder contact information:The Bank of New York Mellon f/k/a The Bank of New York as successor Indenture trustee to JPMorganChase Bank, National Association for CWHEQ Revolving Home Equity Loan Trust, Series 2007-A[redacted]
[redacted]
SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will behandled 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 ###-###-####, 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: ###-###-####, Email:[redacted]. Please include the ten-digit loan number on all correspondence.

Complaint: [redacted]
I am rejecting this response because:This response does not address the issues I have had. My concerns were not due to the overall timing of the review of my case but rather to the continued missing information that I had sent them. On multiple occasions I sent them information, with confirmation it was sent, only to later find out it was not received. This led to delays in processed and of more concern what was happening to my information that was being sent. They have major issues with processing of information that was sent to them and no one could tell me what happened to this info. So I am very concerned that unauthorized individuals may have access to my information. This is my concern that needs to be addressed as I am concerned with potential identity fraud based on their poor processes.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
The Loan Service Company does not provide the loan number or date the loan was initiated, likely because no "jr mortgage" exists. If it exists, State of Washington laws extinguish all mortgages when a foreclosure occurs.
Please provide both the original mortgage document and the jr mortgage document to the Revdex.com so my evaluation as your company has a reputation of ignoring information requests per your Revdex.com history.

Sincerely,
[redacted]

Dear [redacted], This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on January 5, 2017 and received by Specialized Loan Servicing LLC ("SLS") on January 6, 2017 regarding the November 2016 payment on the above-referenced mortgage account. A...

review of SLS’ payment history does not indicate the receipt of funds on November 3, 2016. On November 28, 2016, funds in the amount of $343.99 were received and applied to the November 2016 contractual monthly payment. On November 29, 2016, SLS received correspondence from you; however we were unable to accept the altered proof-of-payment as SLS requires a complete, unedited bank statement, or a copy of the cancelled payment instrument, in order to research the account further. Subsequently, SLS received the bank statement for the period of November 23, 2016 through December 11, 2016; we require the bank statement for the period including November 4, 2016. On December 5, 2016, the account was paid in full. On December 20, 2016, a refund check in the amount of $758.29 was sent for the additional funds received during the payoff. A copy of the SLS payment history with transaction codes is enclosed for your reference. Therefore, SLS is unable to accommodate the request for an additional refund as our research does not indicate an extra payment. Additionally, the fee assessed for the delinquency of the November 2016 contractual monthly payment has been confirmed as valid and we are unable to refund the fee. 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 [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. Tell us why here...

This letter is a rebuttal to the original complaint filed with the Denver Revdex.com (“Revdex.com”) on June 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 13, 2016 regarding payments for the above-referenced mortgage account.Our records indicate that we have previously...

responded to a similar request regarding payments on July8, 2016. We have enclosed this letter for your records.We will not be able to return the monthly payment to $2,473.91 due to the escrow shortage on theaccount that went into effect on June 1, 2016. SLS will review the escrow account every six to twelvemonths to ensure that we have the funds to pay the hazard insurance and property taxes which mayaffect the monthly payment depending on if there is a shortage or surplus on the account. We apologizefor any inconvenience.According to our records this account is currently due for August 1, 2016 with a monthly payment in theamount of $2,493.18.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 1-800-[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.