Specialized Loan Servicing, LLC

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 27, 2016 received by Specialized Loan Servicing LLC (“SLS”) on August 12, 2016regarding a mortgage payment and billing statements for the above referenced mortgage...

account.Our records indicate that we have previously responded to a similar request for billing statements,payment information and credit reporting on August 8, 2016. We have enclosed this letter for yourrecords.Notes from the July 27, 2016 indicate that the call was inadvertently disconnected. Due to the tenets ofthe Automatic Stay, we were unable to make an outbound call to you to continue the discussion.Although you have been discharged of the personal liability of the debt, the lien on the property stillremains. The lien may be enforced if voluntary payments are not made. SLS is obligated under federalbankruptcy law to comply with the requirements of the Automatic Stay. The account is due next for thecontractual obligation for June, July, and August 2016, each in the amount of $1,318.56. Additionally,there is $40.17 in late fees.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 account. You are able to contact our Customer Caredepartment at the number listed below to obtain information regarding your account. Additionally, 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 online at www.SLS.net (for current loans)Pay over the phone by calling [redacted]
Pay by regular mail at [redacted]Pay by overnight mail at [redacted]This account is currently due for the June 1, 2016 payment in the amount of $1,318.56 and each paymentthat has become due thereafter.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.If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because: SLS is incorrect in their conclusion based on their own response (attached). SLS indicated in the response that the loan transferred to them on Feb 1st and that they do not report delinquencies in the month of transfer and the two month following that month (see highlighted). So the latest date for payment was May 1st. Yet, in their own response they also acknowledge that the loan was FULLY paid off in March. By reporting a delinquent payment to the credit bureaus despite the fact that the loan was paid off fully in March (the month following the transfer of the accounts) they broke FEDERAL LAW, not just SLS's policy. I have the means and the will to do whatever is necessary to ensure that SLS is appropriately penalized for breaking federal law in this manner, unless they resolve this misunderstanding in a timely manner.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:SLS's written response to my complaint supports my contention that I logged on to their website on June 30, 2016.  This is not disputed.  I logged on to the SLS website on June 30, 2016, and entered my monthly payment due the next day, July 1, 2016.  This is an action that I have executed without fail every month for more than 10 years without a late payment, as illustrated by my timely payment history.  In this instance, like all prior transactions, I utilized the online payment option hosted by SLS's 3rd party, Western Union.  At the conclusion of this action, there was no indication that my payment failed to go through.  Only later did I learn that there was an apparent glitch in the payment process which I took corrective action on after my first direct communication with SLS.  I refuse to be penalized for an electronic glitch and will pursue a legal remedy if necessary   SLS's own records support my website visit the very day prior to my July 2016 payment being due.  That was the sole purpose of my website visit on June 30 -- to make my monthly payment   I am not asking for a courtesy credit correction.  This is not an issue of courtesy, it is an issue of fact.  I reject SLS's response and further demand that my credit report be corrected, especially in light of SLS's own internal records supporting my actions.  I am expecting the Revdex.com to intervene in my case to settle this matter without further delay and waste of my personal time.  Thank you.  [redacted].
Sincerely,
[redacted]

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]

Initial Business Response /* (1000, 6, 2015/10/05) */
Dear [redacted]
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on September 20, 2015 and received by Specialized Loan Servicing LLC ("SLS") on September 22, 2015 regarding a Deed in Lieu of...

Foreclosure on the above-referenced mortgage account.
Our records indicate that the Deed in Lieu of Foreclosure was approved September 11, 2015 execution and recording of Deed in Lieu of Foreclosure agreement and property inspection. We realize this may be a lengthy process; we are working diligently to assist you. Thank you for your patience while we complete the process.
The original title was ordered on December 26, 2014 and again on February 12, 2015. On May 18, 2015 we received clear title and were able to move forward with the remaining steps of the Deed in Lieu of Foreclosure.
We apologize for the frustration that you have experienced regarding this matter. We 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 dissatisfied with our servicing of your account.
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. You may also contact your assigned Relationship Manager/Single Point of Contact (SPOC), [redacted] (Teller ID: XXXXX) by calling X-XXX-XXX-XXXX. Financial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.O. Box XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: [redacted]@sls.net. Please include the ten digit loan number on all correspondence.
Initial Consumer Rebuttal /* (3000, 8, 2015/10/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It seems like as soon as I filed this compliant is when SLS decided to send me a letter and got the ball rolling. It's very hard to believe that it was a coincidence. We'll see if this gets finished in a more timely manner but, based on history, I doubt it will.
Final Business Response /* (4000, 14, 2015/10/23) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on October 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on October 20, 2015 regarding the Deed in Lieu of Foreclosure for the above referenced mortgage account.
Our records indicate that we have previously responded to a similar request for information on October 1 and October 15, 2015. We have enclosed copies of our letters for your records. We cannot escalate the foreclosure process; we must follow all federal and state regulations for the foreclosure proceedings. The process for completing a Deed in Lieu on the account is still in process.
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.
Final Consumer Response /* (4200, 16, 2015/10/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
as soon as I get the final papers for the deed in lieu and it's all closed I will close this complaint.
Sincerely
[redacted]

Dear [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 1, 2018 and received by Specialized Loan Servicing LLC (“SLS”) on January 2, 2018 regarding billed amounts and customer service on the above-referenced mortgage...

account (the “account”).   Your complaint raises concerns that SLS has doubled your payments.  A review of your account indicates the last payment made to your prior servicer was on October 27, 2017 for the October 1, 2017 contractual monthly payment.  SLS sent you a letter dated November 17, 2017 (a copy of which is enclosed) advising the servicing of the account transferred to SLS effective November 16, 2017.  SLS’ records indicate the account was due for the November 1, 2017 contractual monthly payment at that time.   SLS sent you a periodic statement dated November 24, 2017 advising of the following amounts due December 1, 2017:   Regular Monthly Payment                                $588.81Principal                                ...⇄ $95.47Interest                                 ...⇄ $279.82Escrow (for Taxes and Insurance)           $213.52Past Due Amounts                                    �...⇄ $607.57Total Amount Due                                      �...⇄ $1,196.38   The Past Due Amount of $607.57 consisted of $588.81 for the November 1, 2017 contractual monthly payment and $18.76 for a late charge assessed prior to the transfer of servicing to SLS.  SLS has confirmed your payment amount prior to the transfer of servicing to SLS was $588.81; accordingly, SLS has confirmed your payment was not doubled upon the transfer of servicing to SLS.   Your complaint raises the concern SLS is not posting your payments.  Respectfully, SLS’ records indicate on November 30, 2017 SLS received funds in the amount of $607.57 which were applied to the November 1, 2017 contractual monthly payment and the outstanding late charge.   SLS’ records indicate the account is currently due for the December 1, 2017 and January 1, 2018 contractual monthly payments in the amount of $588.81 each, for a total amount due of $1,177.62.  A copy of SLS’ payment history with transaction codes is enclosed.   Your complaint raises concerns that you were unable to receive answers over the phone with SLS representatives, and you were transferred, placed on hold and hung up on.  While our records indicate many attempts to reach you by telephone, we have not spoken to you.                       Your complaint raises concerns SLS purchased your account.  SLS is the servicer on behalf of your Note holder.  Note holder contact information follows:   [redacted]   SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us. Please understand that we handle all borrower comments and concerns with the utmost consideration. We regret to hear you were dissatisfied with the servicing of your account.   We have researched your account, and our records indicate that the payment application and customer-service concerns 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 ###-###-####, 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.  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”) on June 13,2016 and received by Specialized Loan Servicing LLC (“SLS”) on June 13, 2016 regarding application ofpayments, late fees, and credit reporting for the above-referenced mortgage account.We have...

confirmed that an active Consumer Financial Protection Bureau (“CFPB”) complaint response isin process at the time of this response. Response to this dispute will be addressed with the resolution ofthe CFPB complaint.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 1-800-268-9419, Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Dear [redacted] and [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on January 25, 2018 regarding the County tax disbursements for the escrow, credit reporting,  and the...

application of payments on the above-referenced mortgage account (the “account”).   Your dispute raises concerns regarding the county tax disbursements from the escrow for the account.  With regard to your concerns, SLS’ records indicate the supplemental taxes were included in the initial escrow disclosure statement which reflected a County tax disbursement of $3,281.25.  SLS will pay the supplemental bill if you send it to us, as the bill is sent only to the homeowner and not to SLS; however, the supplemental bill will not be a regular escrow item and will not be added as part of the tax line for the escrow account.   Your dispute raises concerns regarding credit reporting.  After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accurately. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they are received.  SLS has not sent derogatory credit reporting to the credit bureaus.   Your dispute raises concerns about the application of payments to the account.  Specifically you request that SLS correct your billing to take into consideration excesses in your escrow fund.  If you paid part of the supplemental bill and would like a refund applied to your escrow account, please provide proof of the payment for further research.  If you would like SLS to pay the second half of the supplemental bill, SLS is able to do so with your authorization.   Your account is due next for the March 1, 2018 obligation. Your current escrow balance is $5,525.39.   SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us. Please understand that we handle all borrower comments and concerns with the utmost consideration. We regret to hear you were dissatisfied with the servicing of your account.   We have researched your account and our records indicate that the servicing activity described in your dispute was not in error. We trust that we have responded to your concerns.  You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference.                           If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.  SLS accepts calls from relay services on behalf of hearing impaired borrowers.

Initial Business Response /* (1000, 6, 2015/06/04) */
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 26, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 27, 2015 regarding a loan modification with the prior servicer for the...

above referenced mortgage account.
This account service transferred to SLS on March 16, 2015. After review of this account, we have honored the loan modification with SunTrust Mortgage and we have confirmed that two of the three trial payments were received. The last payment of $867.41 is due on or before June 1, 2015. Once the final trial payment is completed we will review for a final decision to complete the loan modification.
In compliance with the laws set forth by the state of North Carolina, enclosed is the following information:
This account is currently due for the February 1, 2015 payment in the amount of $1,071.24 and each payment that has become due thereafter.
The current principal balance due is in the amount of $92,042.57.
There is $663.58 being held in a suspense account.
The escrow balance as of today is $1,212.05.
Note holder contact information:
[redacted] Drive
Mclean, VA XXXXX
1-800-[redacted]
Enclosed is a copy of your signed loan modification agreement completed in February 2014 as well as your payment history for the above referenced loan. We have reached out to the prior servicer for a copy of the Note which we fill forward to you under separate cover once received. SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS.
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. You may also contact your assigned Relationship Manager/Single Point of Contact (SPOC), [redacted] (Teller ID: XXXXX) by calling X-XXX-XXX-XXXX. Financial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: P.O. Box XXXXXX Littleton, CO XXXXX, Fax: X-XXX-XXX-XXXX, Email: [redacted]@sls.net. Please include the ten-digit loan number on all correspondence.
Initial Consumer Rebuttal /* (2000, 8, 2015/06/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
As long as SLS honors the program SunTrust agreed to I am satisfied

Initial Business Response /* (1000, 6, 2015/08/13) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 4, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 4, 2015 and a similar dispute dated and received on August 3, 2015...

regarding the lien status on the above-referenced mortgage account.
According to our records this account was paid in full on August 7, 2015. This account is closed the account reflects a zero ($0.00) principal balance. We have enclosed a copy of the payment history with our transaction codes for your records. A copy of the lien release will be recorded with the county within 90 days.

Our records indicate that the Chapter 7 bankruptcy filed on this account was discharged on November 26, 2008. 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 your account, we have found no errors. You have the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.

If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X- XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to your clients complaint filed with the Denver Revdex.com ("Revdex.com")
on December 17, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 18, 2015
regarding fees on the above referenced mortgage account. A copy of this correspondence is...

enclosed for
your records.
The fees pertaining to the foreclosure, attorney and escrow shortage are valid and payable. The
breakdown of fees was $95.00 for foreclosure fees, $495.92 in attorney fees, and $121.87 were due to an
escrow shortage payment on October 27, 2015. We have enclosed a copy of your client's payment
history and transaction codes for your records and review. We have tried to contact your client regarding
the breakdown of these charges on October 26, 2015.
In researching your client's account, we have found no errors. Your client has the right to request the
documents relied upon in reaching this determination by contacting us at the number below, but please
note that SLS has already enclosed the same for your reference as outlined above.
If you 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") dated and received by Specialized Loan Servicing LLC ("SLS") on August 28, 2017 regarding a loan modification on the above-referenced mortgage account. According to our records, you have filed a similar...

request with the [redacted] ("[redacted]") regarding the above issues that was received on August 28, 2017. This written request will be addressed along with the [redacted] complaint. In researching your account, we have found no errors. You have the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above. If you have any questions regarding this information, please contact Customer Care toll free at [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 March 2, 2018 and received by Specialized Loan Servicing LLC ("SLS") March 2, 2018 regarding payments, billing statements, and credit reporting for the above referenced mortgage account. SLS is a third...

party servicer, contracted by the investor to service this loan per the terms of the original loan documents. SLS does not own this loan. This account service transferred to SLS on January 15, 2018. We have enclosed a copy of the Notice of Servicing Transfer from SLS dated January 16, 2018 that provides you with the information regarding the service transfer. The boarding process can take 30 to 60 days to complete. At the time of the service transfer, this account was due for February 1, 2018 contractual payment. SLS cannot comment on the servicing of the loan prior to the service transfer to us. When a loan transfer occurs, SLS holds all credit reporting for the month in which the transfer occurs, as well as two (2) additional months to allow for the resolution of interim payment issues associated with the transfer. When a loan dispute or inquiry is received by SLS, we place coding on the account to withhold all credit reporting during the time the matter is being researched and a written response is being created. However, at the time the response letter is sent, coding on the account returns to its normal reporting status. Your payments are due on the first of the month and you are allotted a 15-day grace period before a late fee is assessed. This account is currently showing due for the April 1, 2018 payment in the amount of $4,160.05. Our records reflect that we sent a billing statement to the mailing address on file dated January 15, 2018. We also spoke with [redacted] on February 7, 2018 with our Welcome Call to SLS. We verified account information we had on file and billing address to be sure we had accurate information. We did not have the correct mailing address and this was updated in our system. Our representative informed [redacted] that he could wait until all documents were received in order to send in a payment. With this call, we provided information and options on how he could remit payments. We sent a billing statement with the correct mailing address dated February 29, 2018. We attempted to contact you on February 22, 2018, but only had a male voice that kept saying hello and then hung up. On March 1, 2018, we spoke with [redacted] who indicated he knew that SLS was the new servicer but informed us that he would not remit a mortgage payment until he received our billing statement. We verified that SLS had the correct mailing address and that [redacted] would call SLS back to verify that we were the servicer and re-verify this information with the prior servicer. We mailed out a billing statement dated March 12, 2018 regarding the payments due on the account. On March 12, 2018, we received funds in the amount of $8,320.10 that satisfied the February and March 2018 monthly payments. We regret 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. According to our records, there were no negative payments reported to the credit bureaus as delinquent. Please see the attached copy of your payment history from the time of the transfer of your loan. We have responded regarding the errors alleged on the account and the corrections made to the account, as applicable. We trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your reference. If you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

Initial Business Response /* (1000, 6, 2015/12/23) */
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[redacted]) and payments...

for the above-referenced account.
According to our records on January 6, 2015 we confirmed your authorization of enrollment in the [redacted] program for electronic transfers to your loan account to begin on February 5, 2015. On December 4, 2015 we received a check from you in the amount of $1,743.79. On December 7, 2015, there was an [redacted] drafted from your account in the amount of $1,743.79. On December 9, 2015 you contacted us to request [redacted] to be cancelled and refund one of the payments paid in December 2015 be refunded. The additional amount was transferred to the suspense account in order to send out a refund check. Our records show that on December 15, 2015 the second transaction was cancelled by the bank and [redacted] is cancelled. We then transferred the funds in the suspense account in the amount of $1,743.79 to satisfy the December 2015 payment. This account is contractually due next January 1, 2015 in the amount of $1,743.79. We have enclosed the payment history along with the 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. We will address this information with the customer service representatives for coaching purposes.
In researching your account, we have found no errors. You have the right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at [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.

Initial Business Response /* (1000, 6, 2015/05/15) */
Dear [redacted] M. [redacted] and [redacted] J. [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 4, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 5, 2015 regarding...

the status of the above-referenced mortgage account.
After review of our records we have confirmed that fees in the amount of $234.23 were assessed to your account by the prior servicer for the following:
Foreclosure Costs in the amount of $63.43
Broker Price Opinion/Property Inspections in the amount of $170.80
Fees are assessed to the mortgage loan per the terms of the Promissory Note and/or Deed of Trust/Mortgage. In addition, fees assessed to the account by the prior servicer are transferred to the new servicer and are still due and payable. A copy of the prior servicer's payment history and spreadsheet of unpaid fees are enclosed for your reference.
You indicated that you have written documentation from your prior servicer, indicating that these fees are not due and payable. Please provide us with a copy of this documentation so that this matter can be researched further.
Our records indicate an outbound call made to you on May 4, 2015. On May 4, 2015, you were also connected to a departmental supervisor.
In researching your account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]  SLS Mortgage Company refuses to justify foreclosure fee's they have added to our account in the amount of $1,385.32. We keep getting the same response a generic NO ERRORS FOUND? We have never received foreclosure file (which was never done)  from a THEIR Lawyer [redacted] who they hired in reference to this matter, who's fee was $900.00 for just sending us a 46 cent letter STATING "a date due and MAY commence in a foreclosure" that date was meet, we paid in full $15,894.47 the past due ON TIME. This is not our reasonable to pay a attorney YOU hired for a warning letter not a foreclosure letter! Not to mention you added another $500.00 dollars on top of the Lawyer fee for NO reason to our account. You keep mention Fed. Acts/Laws that is for a foreclosure not a letter stating a payment is due by a certain date. We settled the debt immediately with (you) this company and this seems to have a greedy smell and most likely happening to other clients. We are requesting these fee’s to be REMOVED $1,385.32 by SLS Mortgage Services from our bill. The CFPB and Federal Reserve have also been contacted and all have sent you notice's, they have not rejected our complaint, which we hope you understand that this is a ligament complaint and should be taken seriously.Thank You[redacted]

Initial Business Response /* (1000, 6, 2015/08/19) */
Dear [redacted] E. [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 10, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 11, 2015 regarding insurance payments for...

the above-referenced mortgage account.
Our records show that your account was transferred to SLS for servicing on June 4, 2015. After review of our records we confirmed that the insurance premium was not paid by the prior servicer. As of August 11, 2015 funds in the amount of $1,016.00 were sent to the insurance company on your behalf.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:I have not recieved the final payoff check with accounting to review.  SLS's last response on 12/7/16 indicating they had sent check and accounting on 12/6/16.   Upon receipt, I will review and provide response.  
Sincerely,
[redacted]

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on May 16, 2017 and most recent dispute received by Specialized Loan Servicing LLC(“SLS”) on June 9, 2017 regarding credit reporting and a refund on the second mortgage account.Our records indicate that we have previously responded to a similar request regarding payments, latefees, and credit reporting on May 26, June 8, and June 19, 2017.Our records reflect we received the funds in the amount of $61,403.33 to pay the account in full on June1, 2017. The account reflects a zero ($0.00) principal balance. On June 16, 2017 we issued a refundcheck in the amount of $710.29 for an overpayment of interest. We have enclosed a copy of theunrecorded lien release that was sent to the county for recording on June 17, 2017. This may take up to90 days for the county to record the lien. As of the date of this letter, our records reflect this check is stilloutstanding. If you do not receive the refund check within 5 days of this letter, please contact SLSimmediately.There was a delay in your modification due to its being rebuilt with the incorrect unpaid principal balance.As indicated in our May 26, 2017 response letter, on November 29, 2016, we received the signed originaloffer which had been edited. This signed modification was rejected because the original terms were nolonger reflected. As payments were reapplied, your October, 2016 payment reflected more than 30 days’past due; however, on May 26, 2017 we sent an update to the credit bureaus to show all payments madeas agreed. Typically, the updates are received within 72 hours however; it may take up to 60 days for thecredit bureaus to update their records with this information. We apologize again for any inconveniencethis has caused.We have reviewed telephone calls since November 1, 2016, during which you were given incorrectinformation regarding payments due. This information has been provided to management of thatdepartment to be used as a training opportunity. Again, we apologize for the frustration that you haveexperienced regarding this matter.We have responded regarding the errors alleged on the account and the corrections made to the account,as applicable. We trust that we have responded to your concerns. You have a right to request thedocuments relied on by SLS in reaching the determinations communicated in this letter by contacting usat the number below, but please note that SLS has already enclosed them for your reference.If you have any questions regarding this information, please contact Customer Care toll free at [redacted], 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. SLS accepts calls from relay services on behalf of hearing impairedborrowers.

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 8, 2017 regarding Note holder information and customer service interactions for the...

above-referenced mortgage account.   We understand the account was included in a Chapter 7 bankruptcy that was discharged on June 18, 2012. 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.   Your complaint raises issues concerning the owner of your note. SLS’ records indicate the following Note holder information:   [redacted]   As SLS is the servicer on behalf of the current owner, all correspondence should be directed to SLS.   Your complaint raises issues regarding your customer service interactions with SLS.  Specifically, you reference concerns regarding:   Request for Note holder information from an SLS supervisor;Transfer of your call to many representatives;Malfunctioning of SLS’ website ;Fees for an online payment;Default of the account due to the transfer of servicing;Application of payments;Disclaimers made during phone recordings   With regard to your concerns about customer service, a review of the phone conversation on December 8, 2017 reflects that you advised the representative that you received a communication from your prior servicer indicating the service-transfer to SLS.  You asked the owner of your Note, and the SLS representative advised she did not have access to that information and to submit a written request for it.  She then provided the address for receiving Notices of Error and Requests for Information and advised the request did not need to be addressed to any particular department but to include your name and loan number. She indicated you would be provided written response. You requested to speak to a supervisor who provided the same instructions. You requested clarification of SLS’ business with your account.                The SLS supervisor explained the role of the servicer of your account on behalf of your Note holder and explained that payments received by SLS are applied to the balance of the loan.  You advised you believed SLS to be a collections company due to SLS’ phone recording disclosures at which time you were told that SLS collects payments and is therefore required to disclose certain information about the process.  You again requested Note holder information and were asked if you had any additional questions.   If you would like to send a written inquiry or dispute, please mail it to our dedicated Notice of Error/Request for Information/Qualified Written Request address below:   Specialized Loan Servicing, LLC P.O. Box 630417 Littleton, CO 80163   SLS responds to all disputes in accordance the Real Estate Settlement Procedures Act (“RESPA”) guidelines.   With regard to your concerns about speaking with numerous representatives and being on a call for more than an hour, SLS’ records indicate the total of the calls from December 8 and December 12, 2017 was approximately 45 minutes; however, we regret any frustration this may have caused you.   Your concerns about the customer service during the telephone conversations have been escalated and will be used for training if applicable.  We strive for excellence in our customer service and welcome your constructive thoughts.   With regard to your concerns about SLS’ borrower web portal, our records indicate your SLS web account was created and last modified on December 8, 2017. Should you still be experiencing difficulty, please contact us for assistance.   With regard to your concerns about receiving a default notice due to the transfer of the servicing, SLS’ records do not indicate we sent you a default notice.  SLS’ records indicate the following correspondences (copies of which are enclosed):   November 17, 2017 – Notice of Servicing Transfer;December 12, 2017 – Periodic Billing Statement Authorization Form;December 12, 2017 – Revdex.com dispute acknowledgment;   Please provide a copy of the notice for further review.   With regard to your concerns about the application of your voluntary payments, a copy of SLS’ transaction history with transaction codes is enclosed.  Voluntary payments are applied in accordance with the loan documents and any applicable bankruptcy laws.   With regard to your concerns about the use of the word “collections,” SLS is required by law to disclose certain information to you.    With regard to your request that SLS provide servicing authenticity, please refer to the enclosed Notice of Servicing Transfer.  Additionally, copies of your Note and Deed of Trust documents are enclosed for your review.   With regard to your request that SLS accept payments without charge, we offer several payment options, including online, phone, mail, [redacted]® and automatic recurring payments.  Please visit www.sls.net:           Online Online payments are fast and convenient, and payments made during business hours are posted the same day.  Payments can be withdrawn from your bank account. Log in to your Specialized Loan Servicing LLC account at www.sls.net and select “Make an Online Payment” to process a [redacted]® Speedpay® payment. [redacted]® may charge a convenience fee for their services.   Phone Customers may use the [redacted]® Speedpay® option to make a payment over the telephone. [redacted]® may charge a convenience fee for their services. Call 800-315-4757 to speak to a Customer Care Associate or make a payment using the automated IVR system. Please have your bank account number and routing number available when you call.   Automatic Recurring Payments Please contact our Customer Care Center at 800-315-4757 to set up automatic payments from your bank account on a monthly basis.   Mail Personal checks, cashier’s checks and money orders can be mailed to the address below. In order to ensure quick and accurate processing of your payment, please include your Specialized Loan Servicing LLC account number and your property address.   To remit payments, mail to: Specialized Loan Servicing LLC P.O. Box 105219 Atlanta, GA 30348-5219   To remit overnight payments/payoffs, mail to: Specialized Loan Servicing LLC 8742 Lucent Blvd, Suite 300 Highlands Ranch, CO 80129-2386 Attn: Cashiering Department   [redacted] Pay via [redacted]® Find a [redacted]® branch using www.[redacted].com or calling 1-800-666-3947. Complete a simple Express Payment send form and provide to the [redacted]® agent. Be sure to include your complete loan number and Receive Code - 6114.   You will be given a reference number. Call Specialized Loan Servicing LLC and provide us with the reference number.   Pay at a [redacted]® Location. Visit the [redacted]® office nearest you to make a Quick Collect® payment. You will use Specialized Loan Servicing LLC as the “Pay to Name” along with your Specialized Loan Servicing LLC account number. To locate the [redacted]® office nearest you, call 1-800-325-6000.   SLS is unable to comment on your concerns and/or requests regarding companies other than SLS; however we regret to hear you were dissatisfied with the servicing of your account after the service-transfer.                   We have researched your account and our records indicate that the servicing activity described in your dispute was not in error. We trust that we have responded to your concerns.  You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference.   If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT 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.