Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 22, 2017 and received by Specialized Loan Servicing LLC ("SLS") on November 22, 2017 regarding funds for an insurance claim on the above-referenced mortgage account. According to our...

records, you have filed a similar dispute with the Consumer Financial Protection Bureau ("CFPB") that was received on November 21, 2017. Both complaints will be addressed in the response to the CFPB. If you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

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

release documents on September 23, 2016. A lien verification report wascompleted on October 11, 2016, and on November 3, 2016 we completed the partial lien release, whichwas sent to you via United Parcel Service tracking # [redacted]. We have enclosed a copyfor your records.In researching your account, we have found no errors. You have rights to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted]
[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.

Initial Business Response /* (1000, 6, 2015/05/11) */
Dear [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on April 28, 2015 and received by Specialized Loan Servicing LLC ("SLS") on April 30, 2015 regarding the status of the...

above-referenced mortgage account.
After review of our records we have confirmed that payments were applied to the above referenced account incorrectly. As of May 6, 2015 we have updated our records to indicate your payment for March, 2015 was applied with $735.63 toward principal, $173.43 toward interest, and $90.94 toward unpaid principal balance. Please use this letter as verification of this correction in the meantime. Please accept our apologies for any inconvenience this has caused.
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 /* (2000, 8, 2015/05/15) */
(The consumer indicated he/she ACCEPTED the response from the business.)

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on September 5, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 6, 2016 regarding a payment issue and servicing on the above-referenced mortgage account.Our records indicate that...

we have previously responded to a similar request for servicing and paymentson June 22, 2016. We have enclosed this letter for your records.We received your proof of payments on September 9 and September 12, 2016. After review of the proofof payments, on September 8 and September 9, 2016, we posted each payment in the amount of$2,093.83 for July 1 and August 1, 2016 payments due. This account is now contractually due for theSeptember 1, 2016 payment in the amount of $2,093.83. Please see the enclosed payment history foryour records along with the transaction codes. We apologize for the inconvenience and frustration thatyou have experienced regarding this matter.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 November 14, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 15, 2016 regarding billing statements on the above-referenced mortgage account.We do not have any information or...

documentation that this loan was re-affirmed in the Chapter 7Bankruptcy. If this was reaffirmed, please send the legal documents for our review. Our records indicatethat you filed a Chapter 7 bankruptcy which was discharged on August 9, 2011. Although you have beendischarged of the personal liability of the debt, the lien on the property still remains. The lien may beenforced if voluntary payments are not made. SLS is obligated under federal bankruptcy law to complywith the requirements of the Automatic Stay. This information is provided in response to your request anddoes not constitute a demand for payment. This account is contractually due for December 1, 2016 in theamount of $2,477.37. We have enclosed a copy of the payment history along with the transaction codesfor your records.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking 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]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], Mondaythrough 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”) onJune 1, 2016 and received by Specialized Loan Servicing LLC (“SLS”) June 1, 2016 regarding creditreporting for the above referenced mortgage account.Our records indicate that we have...

previously responded to similar requests on May 3, 2016. We haveenclosed this letter for your records.Our records indicate that [redacted] filed a Chapter 7 bankruptcy which was discharged on October 19,2015. Although he has 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. The lien will not be released untilthe account has paid in full and reflects a zero balance. SLS is obligated under federal bankruptcy law tocomply with the requirements of the Automatic Stay. This information is provided in response to yourrequest and does not constitute a demand for payment.According to our records this account is currently paid through June 2016 with voluntary payments. Thecurrent principal balance is approximately $50,397.51. This is not intended to be a voluntary payoff figure.We have enclosed a copy of the payment history along with the transaction codes for your records.We have conducted a review and have not discovered any inaccuracies in the information we havereported to the credit bureaus. SLS has complied with your requests for information in accordance withboth state and federal law. If you have a specific dispute regarding the credit reporting information wehave reported, please send us a signed letter detailing your dispute along with an unmarked copy of yourentire credit report(s) to us at the contact information above. As we have previously responded to yourinquiries, we consider these matters resolved.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 accounts)Pay over the phone by calling [redacted]Pay by regular mail at [redacted]Pay by overnight mail at [redacted]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.

I received a second denial from SLS Assest, listing the same incorrect and erroneous information that was to be corrected from the first denial. In addition they to the incorrect debt to income ratio, they added crdit card payments that were not mine as well as doubling my first mortgage amount making it appear I have to more debt than I really owe.
I also requested proof of the amount I had drawn out of line of credit. I didn't draw down $93,000. I only took $65000. They as yet refuse to provide proof of the additional $2,8000 They also stated I am delinquent 2 months. I am not delinquent at all in any payments which management agreed that I am current and have never been late in all the years of this loan.
It has become apparent reading the vast number of complaints filed against this company that there is a pattern of consumer abuse. Reading the complaints, one after the other they all read very similar. It really does appear to be a systematic abuse of the banking and consumer finance laws. I can forward you the copies of the denial letters, both list different amounts of debt to ratio and list differing months in arrears, again I am current..
I don't believe at this point this is just incompetence as so many complainants suggest, I believe this is out and out fraud!
please respond back,
[redacted]
[redacted]
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on December 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on December 27, 2016 regarding credit reporting on the above-referenced mortgage account.In your complaint, you state the...

servicing of the mortgage account transferred to SLS in September 2016.Contrary to this, the enclosed Notice of Servicing Transfer was sent indicating that the transfer of yourmortgage loan to SLS was effective July 7, 2016.With regard to your concerns about the application of payments, a review of SLS’ records indicates the below:? July 26, 2016 funds in the amount of $981.88 were received, $935.12 was applied as the July 1, 2016 contractual monthly payment, $46.76 was applied as principal curtailment;? August 2, 2016 funds in the amount of $935.12 were received and applied as the August 1, 2016 contractual monthly payment;? August 16, 2016 funds in the amount of $935.12 were received and applied as the September 1, 2016 contractual monthly payment;? November 4, 2016 funds in the amount of $2,841.95 was applied as the October 1, November 1, and December 1, 2016 contractual monthly payments;A review of the payment history did not indicate the receipt of the payment for the October 1, 2016 prior tothe November 4, 2016 receipt of funds. Please submit documentation substantiating the claim that SLSreceived the October 1, 2016 contractual monthly payment prior to that date in order for SLS to researchthe account further.SLS’ records indicate the enclosed letter dated November 20, 2016 was sent confirming the authorization for enrollment in automatic payments. A review of SLS’ records does not indicate the receipt of an authorization for enrollment in automatic payments prior to November 20, 2016. Please submitdocumentation substantiating the claim that an authorization was submitted in September 2016.In your dispute, you allege that SLS has not responded to your prior correspondence. Contrary to this,SLS’ records indicate the enclosed letter dated December 16, 2016 was sent in response to your correspondences dated November 18 and December 1, 2016.Accordingly, 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], 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 December 14, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on December 15, 2016 regarding payoff quote fees on the above-referenced mortgage account.With regard to your concerns, a review...

of SLS’ records indicates that fees are assessed in accordancewith your Promissory Note, a copy of which is enclosed. As a courtesy, on December 22, 2016 fees inthe amount of $50.00 were reversed from the payoff funds; these funds will be automatically sent to you14 days after the payoff date. A copy of the SLS payment history with transaction codes is enclosed.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.Tell us why here...

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, 2016 regarding 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.

Complaint: [redacted]
I am rejecting this response because you did not address the complaint. 
Sincerely,
[redacted]

This letter is in response to your correspondence dated August 23, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on August 23, 2016, regarding credit reporting for the above referenced mortgage account. Please be advised we will be addressing your concerns with our response to your inquiry submitted to the California Department of Justice.  We appreciate your patience while we research your account further to fully resolve your complaint. 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.

We are writing in response to your dispute filed with Consumer Financial Protection Bureau (“CFPB”) with regard to the servicing of the above referenced mortgage loan.  We understand that by filing a dispute with the CFPB, you have authorized us to upload a copy of our response directly to the CFPB website. We further understand that you are requesting assistance with correcting the application of payments on the account referenced above.   Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicer.  The servicing of the mortgage account transferred to SLS on December 1, 2009.  At that time, the account was due for the December 20, 2009 contractual monthly payment.[LL1]  The account is currently due for the April 20, 2016 contractual monthly payment.    Please note that there are currently no active foreclosure proceedings for the property listed above.    With regard to payment application, our records indicate that the issues concerning payment application have been resolved at this time.  [LL2]The misapplied funds from December of 2015 until April of 2016 have been reversed and reapplied, and all late fees assessed due to this error have been reversed at this time.  SLS has enclosed the payment history for your review. If after reviewing the enclosed payment histories, you feel that there are payments that have been made to SLS that were not applied to the account, we request that you submit proof of payment in the form of unaltered bank statements or front and back copies of checks so that we may conduct further research   We trust that we have responded to your concerns.  If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT.  SLS accepts calls from relay services on behalf of hearing impaired borrowers. [LL1]No, do not need. [LL2]We need to explain how this was resolved.  Did we go back and apply the payments properly?  Did we waive any late fees or correct any adverse credit reporting?   Late fees were removed – credit does not indicate del. Payments for this time period. Tell us why here...

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on July 10, 2017 and received by Specialized Loan Servicing LLC ("SLS") on July 12, 2017 regarding interest rates, fees, and servicing of the above-referenced mortgage account. At the time of the service...

transfer, the prior servicer provided SLS the current payment amount determined by the recast modification completed in January 2016. The enclosed copy of this agreement reflected an interest change on February 1, 2017. Your interest rate was scheduled to increase from 4.0% to 5.0% and your payments subsequently from $467.84 to $515.12 per month. Additionally, we received the 2010 modification’s terms, including payments of $532.12. Your correct payment of $469.65 was received on February 14, 2017; however, we had applied the terms of the enclosed copy of the 2010 modification, and the account reflected due for $532.12. The difference of $23.82 was charged to your account. On May 24, 2017 we updated your account information with the recast modification that was completed in January 2016. This modification reflected a percentage rate of 5.0% to have begun on February 1, 2017 along with the monthly payment of $515.12 to begin with the March 1, 2017 monthly mortgage payment. On July 21, 2017 we reversed the payments to January, 2017 and reapplied them, according to the terms of your modification. The fee of $23.82 was reversed. The account is paid through July, 2017, with surplus funds of $47.16 applied as principal reduction. the Your payment history with transaction codes is enclosed for your review and records. We apologize for any confusion and inconvenience. 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 [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.

Dear [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on December 5, 2017 regarding periodic statements and account information on the above-referenced mortgage account...

(the “account”).   We understand the account was included in a Chapter 7 bankruptcy that was discharged on October 8, 2013. 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 request for information regarding the account, SLS’ records indicate your prior servicer sent you a letter dated September 29, 2017 (a copy of which is enclosed) advising the servicing of your mortgage loan was being transferred to SLS effective October 16, 2017.  SLS sent you a letter dated October 23, 2017 (a copy of which is enclosed) advising SLS will collect your voluntary payments going forward.  The October 23, 2017 letter advised your SLS loan number is [redacted], as noted above.   With regard to your request for periodic statements, as noted above SLS’ records indicate the account was included in a Chapter 7 bankruptcy that was discharged.  Accordingly, SLS requires the Periodic Statement Authorization Form (a copy of which is enclosed) to be executed and returned to SLS in order to provide you with periodic statements.   We have researched your account and our records indicate that the periodic statements and account information issues as described in your dispute were not in error. We trust that we have responded to your concerns.  You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference.                                           If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD 1-800-268-9419, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.  SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is a rebuttal for an original complaint filed with the Denver Revdex.com (“Revdex.com”) on July 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on August 5, 2016 regarding escrow for the above referenced mortgage account.   According to our records, you have submitted a similar dispute to the Consumer Financial Protection Bureau (“CFPB”).  SLS will address the contents of this complaint within our response to the CFPB.   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.   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 rebuttal with a complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on July 12, 2016 and received by Specialized Loan Servicing LLC (“SLS”) August 10,2016 regarding mortgage insurance for the above-referenced mortgage account.Our records indicate...

that we have previously responded to similar requests regarding the mortgageinsurance on April 20, July 21, and August 3, 2016. We have enclosed these letters for your records.Your Deed of Trust allows for the transfer of servicer or investor without borrower authorization.SLS is a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documents. SLS cannot comment on the servicing of the loan prior to the service transfer to us. YourNote and Deed of Trust indicate that payments must be received in full by the first of the month, with agrace period of 15 days.Regarding escrow for Primary Mortgage Insurance (“PMI”), our calculations indicated that the PMI wasnot eligible for termination until May, 2016. However, on August 8, 2016 we received a refund in theamount of $36.64 from the PMI carrier for funds disbursed on March 11, 2016. On August 5, 2016, weissued you a refund in the amount of $36.64. No additional funds have been disbursed for PMI. Anescrow account is no longer established for PMI.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.

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 13, 2016 received by Specialized Loan Servicing LLC (“SLS”) on August 9, 2016regarding a mortgage payment and late fees for the above referenced second mortgage account.In...

order to research a payment dispute we require unaltered bank statements. We regret thisinconvenience to you.Our records indicate that we have previously responded to similar requests regarding payments and latefees on July 25 and August 4, 2016. We have enclosed these letters for your records.We have updated your account for payments and removed the late charges. There is nothing else forSLS to update. SLS adheres to all state and federal guidelines in reference to the servicing of themortgage loan. As such, we consider this matter resolved and closed.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: Last response I sent was added as an attachment, I hope this was forwarded to SLS. I finally got through to SLS 10/5/16 and was told by [redacted] (teller) that I needed an "Explanation of Benefits" which I told her I had emailed AND faxed previously. She found it in file and said she would present it to the Underwriter and if I don't hear back by Monday to call them back. Again, for some reason they do not call my primary number, but rather my home number which I have no access to when I am out working "in the field." I am tired of them dragging their feet. I have been more than patient and always courteous when speaking to their representatives. I received an email yesterday, basically stating all that was mentioned previously. I need to know, once and for all, what I need to do to expedite this process. I am now, thanks to their mishandling in this whole experience, $10,000 behind!
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on June 28,2016 and received by Specialized Loan Servicing LLC (“SLS”) on June 28, 2016 regarding mortgagepayments and late fees for the above-referenced mortgage account.This account service transferred to SLS on March 1, 2016. At the time of the service transfer, our recordsreflect that you were due for the March 1, 2016 payment. Payment for March 1, 2016 was received onMarch 14, 2016. Payment for April 1, 2016 was received on April 13, 2016. Payment for May 1, 2016 wasreceived on May 13, 2016.Our records reflect the June 1, 2016 payment was not received until June 21, 2016, and a late charge of$67.18 was billed to this account. Your payments are due on the first of each month with a 15-day graceperiod before a late fee is assessed. We have waived the late fee in the amount of $67.18 as a one-timecourtesy. If you do not feel this is satisfactory resolution, please send us proof of payment on June 14,2016 from your financial institution. The account is contractually due for the July 1, 2016 payment in theamount of $3,359.47. We have enclosed a copy of the payment history and transaction codes for yourrecords.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 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 [redacted], Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.