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Specialized Loan Servicing, LLC

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Reviews Specialized Loan Servicing, LLC

Specialized Loan Servicing, LLC Reviews (581)

Initial Business Response /* (1000, 10, 2015/12/07) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated and received by Specialized Loan Servicing LLC ("SLS") November 30, 2015 regarding the credit reporting on the above-referenced mortgage...

account.
Our records indicate that we have previously responded to a similar dispute filed with the Consumer Financial Protection Bureau ("CFPB") for credit reporting on September 17, 2015 and another Revdex.com dispute on November 23, 2015. We have enclosed these letters for your records.
After a review of our records, 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. We adhered to all provisions of the Fair Debt Collection Practices Act (FDCPA) and/or applicable laws. This account was reported correctly to the credit bureaus. In accordance with the Fair Credit Reporting Act ("FCRA"), SLS is required to report payments accurately as they were received; therefore, credit cannot be corrected as a courtesy. If you have a specific dispute regarding the credit reporting information we have reported, please send us a signed letter detailing the dispute along with an unmarked copy of your entire credit report(s), otherwise we consider this matter closed.
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.
Initial Consumer Rebuttal /* (3000, 12, 2015/12/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response because I only had one mortgage loan and it was not with SLS. My one mortgage loan should have only one report. Even if transferrred,SLS or whomever, should be reporting the same info as the previous lien holders of my mortgage. I only asked SLS to report my first deliquency of my loan,which is [redacted]. I was elgible for a modification and was denied after a whole year of runaround which is how I lost my home. Now they try to keep stuff on your credit forever which hurts people who have already suffered from financial hardships and trying to get back on their feet. It seems class action lawsuit is whats needed for others who also fell under predatory lending as SLS. SLS has lots of complaints on different websites on their lending practices.
Final Consumer Response /* (4200, 20, 2015/12/24) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No, I do not accept the proposed resolution. There is no resolution proposed. They are not trying to assist me. Ony keep saying they are reporting correctly. I don't understand what there was even to report. The loan according to Bank of America was in foreclosure before SLS took the loan. Already was 6 months behind. Then one day I get a letter stating I have a new mortgage servicer.
Final Business Response /* (4000, 22, 2016/01/06) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated December 28, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 29, 2015 regarding the credit reporting for the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar dispute filed with the Consumer Financial Protection Bureau ("CFPB") for credit reporting on September 17, 2015 and the Revdex.com on November 23, December 4, December 16 and December 23, 2015. We have enclosed these letters for your records.
SLS is reporting payments and credit accurately. Please review the information carefully as our position regarding your requests has not changed. Please note that SLS has complied with your requests 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 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 rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 12, 2016 received by Specialized Loan Servicing LLC (“SLS”) on July 29, 2016 regarding mortgage payments, late fees, and credit reporting for the above referenced second...

mortgageaccount.Our records indicate that we have previously responded to a similar request for mortgage payments, latefees and credit reporting on July 22, 2016. We have enclosed this letter for your records.We have updated and corrected the two misapplied payments on March 30, 2015 and November 27,2015 that applied to ‘curtailment’ (reduction of the unpaid principal balance). We have updated your account, reversed and reapplied payments that will also reverse the late charges in the amounts of$170.08 and $203.36 that were applied to this account. We submitted an online update to the creditreporting agencies to update your information for the payments that originally posted incorrectly. Thecredit reporting will show that you are current. At this time, there is nothing else for SLS to update.On July 14, 2016 a supervisor representative from SLS attempted to contact you to discuss your accountbut there was no answer and they did leave a message. If you have any other questions regarding youraccount you can contact us at the telephone number listed below. Also, in order to avoid any confusionon misapplied payments or payments applied to curtailment; you may wish to indicate how you want thefunds applied to your account that are over the regular loan payment due.In compliance with the laws set forth by the state of Washington, included is the following information:? This account is currently due for the August 28, 2016 payment in the amount of $719.47. ? The current principal balance due is in the amount of $17,920.22. 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:E*Trade Bank[redacted]
[redacted]
SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will behandled by SLS.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 complaint filed with the Denver Revdex.com (“Revdex.com”) on July 22,2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 22, 2016 regarding a loanmodification on the above-referenced mortgage account.Our enclosed letter dated July 21, 2015...

reflects that you were approved for a Standard Trial toModification Program. On July 26, 2016, we received one of the three loan modification payments.We are unable to provide deferments during a trial-to-loan modification. All three trial-to-loan paymentsmust be paid in the time frame allowed, or the modification may be canceled. The final loan modificationwill not be completed until after all three loan modification payments are completed. You do not have toaccept any modification that you feel is not beneficial to you. Please note the terms of the modificationinclude an escrow account, which is not on the account at this time.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 you and your client’s 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. You may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), [redacted] (Teller ID: [redacted]) by calling [redacted]. Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: [redacted], Fax: [redacted], Email: [redacted]. Pleaseinclude the ten-digit loan number on all correspondence.

Initial Business Response /* (1000, 6, 2015/08/07) */
Dear [redacted] and [redacted],
This letter is in response to the case 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...

payments made on the above-referenced mortgage account.
SLS is the current servicer of the mortgage loan, which was transferred to SLS for servicing on February 7, 2015 due for the February, 2015 monthly payment. A copy of the Notice of Service Transfer is enclosed for your reference.
We are enclosing also copies of the delinquent payment notices sent on March 26, 2015, April 17, 2015, and May 21, 2015. Numerous phone messages were left in March, April, May and June, 2015.
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 and account status accurately; therefore, credit cannot be corrected as a courtesy. Enclosed is a copy of the payment history with transaction codes for your review.
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 to the above-referenced account. As such, we are unable to comply with your request to remove the late fees at this time.
This department is able to communicate both by fax and postal mail.
In researching this account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.
Initial Consumer Rebuttal /* (3000, 8, 2015/08/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I have received no copies of any delinquent payment notices or notice of service transfer as stated in your response. The problem as I explained in the first place was the po box that etrade had on file has been invalid for years. There was no one to see the address on file for the LOC online. I'd also like to see what phone number messages were left at. You have both my and my wifes cell phone number and no messages were left for either of us.
Final Business Response /* (4000, 10, 2015/08/21) */
Dear [redacted] P. [redacted] and Lynz A. [redacted],
This letter is in response to the case 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 payments made on the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated August 6, 2015. Enclosed is a copy of the letter for your reference. Please note that Specialized Loan Servicing LLC ("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 client's loan, please contact our Customer Care Department.
As previously stated, your account was transferred to SLS for servicing on February 7, 2015. A copy of the Notice of Service Transfer is enclosed for your reference. Furthermore, SLS is required to maintain the information given to us by the prior servicer as it is the borrower's responsibility to ensure we have correct contact information on file. We are again enclosing copies of the delinquent payment notices sent on March 26, 2015, April 17, 2015, and May 21, 2015.
Our records indicate that phone numbers XXX-XXX-XXXX and XXX-XXX-XXXX were the numbers we had on file at the time the phone messages were left. However, our records show that our files were updated on July 17, 2015 to reflect cell phone numbers XXX-XXX-XXXX and XXX-XXX-XXXX.
In researching this account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a rebuttal with a complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on July 10, 2016 and received by Specialized Loan Servicing LLC (“SLS”) July 18, 2016regarding credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request for credit reporting on July20, 2016. We have enclosed this letter for your records.Your account service transferred to SLS on February 1, 2016 and our records reflect that you were duefor the February 1, 2016 payment. We do not report delinquencies in the month of transfer plus twomonths afterwards. Your account was paid in full and closed on March 21, 2016. Our records reflect apayment was received over 50 days after the due date that caused a negative payment rating, but therewere no negative payments or late payments reported to the credit bureaus as delinquent for the monthsof February or March 2016. There is no information for SLS to update or send to the credit bureaus.If you have documentation with an unmarked copy of your entire credit report(s) supplied to you byExperian, Equifax or TransUnion for SLS to review reflecting credit reporting issues, please send us thisinformation and we will further review your request, otherwise we consider this matter resolved andclosed.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 19, 2018 and received by Specialized Loan Servicing LLC (“SLS”) on January 19, 2018 regarding the taxes included in the escrow account of the above referenced mortgage account. According...

to our records, you have filed similar disputes with the Florida Attorney General’s Office. These disputes were received on January 29, 2018.  Response to this written request will be addressed along with the complaint to the Florida Attorney General’s Office. 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.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on April 5, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on April 5, 2016 regarding a loan modification for the above-referenced second mortgage account.Our enclosed letter dated March 29,...

2016 reflects that we are still missing information and documents toreview your request for a loan modification. We need a recent Request for Mortgage Assistance (“RMA”) with all the sections filled properly including data and signatures with the proof of income that ismentioned in the RMA. We need a signed and dated 4506-T with all the required lines properlycompleted. We need the 2014 tax returns that are signed and dated with all schedules. Once thenecessary documentation is received, your account will be reviewed for potential loss mitigation options.There is no guarantee of approval for any loss mitigation option. We have enclosed a copy of the RMA foryour convenience.We do not make customized modification offers. Please note that all offers for loss mitigation oracceptance of a settlement are at the behest of your investor. As we must work within the parameters ofyour investor’s guidelines and the guidelines of any available programs, we may not be able to offer a lower payment or lower interest rate.Please understand this process can take some time and we require all documentation to be dated within90 days of the recent application or it may become too old to be considered recent information. Thoughrequests 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 a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documents. A Quit Claim Deed surrenders rights to the property but does not remove a name fromthe liability for the debt. The original note reflects you are both liable for the debt. SLS does not handlerefinances; if you wish to refinance this loan, you will need to contact a financial institution or lender ofyour choosing.We apologize for the frustration that you have experienced regarding this matter. We strive to makeconcerted efforts both through our internal policies and through our direct interactions to ensurecourteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handleall borrower comments or concerns with the utmost consideration, and we regret to hear you wereunsatisfied with our servicing of your account.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 you and your client’s 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, 5, 2015/07/01) */
Dear [redacted]n,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 16, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 19, 2015 regarding a reimbursement of funds for...

the above referenced mortgage account
Our records indicate on [redacted] 19, 2015, we confirmed a payment was processed in error from your financial institution. Our Cashiering department was in the process of returning the funds to you per your request when notification was received you requested we keep the funds and use them for a monthly payment.
On June 17, 2015 the June 1, 2015 payment was satisfied due to a reversal of funds initially posted to escrow and a principal reduction of $[redacted] has posted. Please accept our apologies for the inconvenience this may have caused.
Enclosed is a copy of your payment history confirming the reversals.
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 Response Date bumped because: Holiday

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 a loan modification for the above-referenced mortgage account.Our letter dated July 27, 2016...

reflects that you were approved for the Home Affordable ModificationProgram Tier 1. Our enclosed letter dated October 14, 2016 states that we denied the loan modificationbecause you withdrew that request on October 14, 2016. We did not receive the executed agreement bythe August 11, 2016 deadline. On October 24, 2016 we spoke with authorized third party [redacted]with Grand Junction Housing Authority and advised without proof that the executed permanentmodification agreement was mailed to SLS by the deadline, there is nothing that can be done. Thismodification is no longer valid. If you decide that you would like to pursue a loss mitigation option, youwould need to complete a new Request for Mortgage Assistance (“RMA”). All documents are time sensitive. Please note that all offers for loss mitigation or acceptance of a settlement are at the behest ofyour investor. As we must work within the parameters of your investor’s guidelines and the guidelines ofany available programs, we may not be able to offer a lower payment or lower interest rate. The goal is tobring an account current and to keep foreclosure from occurring. We have enclosed a new RMA for yourconvenience.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], 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.

(The consumer indicated he/she DID NOT accept the response from the business.)
Anyone who reads through this thread of responses can see that SLS has not responded to anything I have said or asked for, such as the fact that they are in violation of the Deed of Trust by taking out insurance on a loan that had been paid off by the date the insurance came into force, which was May 31, 2015.
I have no intention of releasing this complaint until the $84 due is removed from my account.
[redacted]

Initial Business Response /* (1000, 5, 2015/06/15) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 3, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 4 regarding the escrow account for the above referenced account.
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.
According to our records, the prior servicer did not pay the insurance. The insurance was paid on March 26, 2015 and May 11, 2015. We did not pay this early or make a double disbursement to the insurance company. The escrow shortage was after the disbursement with the cushion. The shortage dated June 1, 2015 was the sum of the anticipated escrow balance of $729.91 and the cushion of $280.30 for a total shortage of $1,010.21. This shortage was spread over 12 months which increased the escrow payment by $84.18. On June 5, 2015 we ran a new escrow analysis that is effective on July 1, 2015 with a shortage of $93.56 and we have enclosed the letter regarding the details of the escrow account. The new escrow payment which begins on July 1, 2015 is $148.77 ($140.98 regular escrow amount plus +$7.79 shortage repayment). Your total monthly mortgage payment decreased from 806.70 to $731.14. This account is contractually due for July 1, 2015 in the amount of $731.14. We enclosed a copy of the new escrow analysis with the payment history with our transaction codes.
A supervisor called to contact you on May 16, May 29, and June 1, 2015 and if there was no answer, they left messages.
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: I am no longer going to continue to argue the points I have previously made.  Both responses from SLS do not address  SLS poor business practices of accepting over payment and applying to principle balance at the time of payment.  The 2017 refund was regarding my payoff not previous payments.  This is classic SLS, lots of words, no real action, no clear explanation and rehashing their "process".  Thus my comlpaints and recommendation of a poor Revdex.com rating.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/05/27) */
Hello,
We are unable to locate an account with the information provided. Please provide an account number, social security number, and/or a valid property address. Thank you.
Initial Consumer Rebuttal /* (3000, 8, 2015/06/02) */
(The...

consumer indicated he/she DID NOT accept the response from the business.)
XXXX XXXnd [redacted]
[redacted] XXXXX
Final Consumer Response /* (4200, 16, 2015/07/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
This balance is not due as the property was included in a bankruptcy that was discharged in 2011
Final Business Response /* (4000, 19, 2015/07/17) */
Dear [redacted] B. [redacted] and [redacted] M. [redacted]
This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on May 14, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 4, 2015 regarding a Deed in Lieu for the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated June 25, 2015. Enclosed is a copy of the letter for your reference. Please note that Specialized Loan Servicing LLC ("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 client's loan, please contact our Customer Care Department.
Our records indicate that the above referenced property was surrendered and included in the discharged chapter 13 bankruptcy. However, despite the fact that you agreed to surrender the property within the bankruptcy, a foreclosure still must be completed. The action does not seek any personal obligation against you; as such it is solely against the property and is required to extinguish the interest of all parties in the property.
In compliance with the laws set forth by the state of Washington, enclosed is the following information:
Your account is currently due for June 1, 2009 in the amount of $2,120.30 and every payment thereafter.
The current principal balance due is in the amount of $276,632.32.
There are no funds held in a suspense account.
The escrow balance as of today is negative -$23,420.00. There is an escrow shortage.
Note holder contact information:
U.S. ROF III Legal Title Trust XXXX-X, by U.S. Bank National Association, as Legal Title Trustee
60 Livingston Avenue
St. Paul, MN XXXXX
As SLS is the servicer of the loan on behalf of the investor, correspondences made with the investor 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.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 2, 2017 and received by Specialized Loan Servicing LLC ("SLS") November 2, 2017 regarding the increased payment on the escrow account for the above referenced mortgage account. This account...

service transferred on August 2, 2017. This account is currently escrowed for homeowner’s insurance, flood insurance, USDA fee for Private Mortgage Insurance ("PMI"), and property taxes. At the time of the service transfer, a $3,219.31 balance was transferred to your escrow account. We spoke with your authorized third party, [redacted], on October 4, 2017, regarding the incorrect amount for the PMI in the escrow account showing $546.59 when it should be $45.55. On October 18, 2017 we updated the PMI amount to reflect $45.55 for the USDA fee. We have enclosed the updated escrow analysis, billing statement, and a copy of the payment history with the transaction codes for your records. We have issued the refund check in the amount of $561.25 for the overpayment on the escrow account to the address listed on file. . We apologize for any confusion. There has been no negative credit reports sent to the credit bureaus because your loan has been on hold from us reporting to the credit bureaus since the service transfer. 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]
[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. 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 May 13, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on May 16, 2016 regarding loan modification solicitations for the above-referenced mortgage account.Our records indicate that you...

filed a Chapter 7 bankruptcy which was discharged on December 11, 2012.Although you have been discharged of the personal liability of the debt, the lien on the property 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. This information is provided inresponse to your request and does not constitute a demand for payment.Our records show that this account is over 30 days past due for the April 1, 2016 contractual payment.Once an account becomes delinquent, our system automatically sends out a Home AffordableModification Program (“HAMP”) package to inform customers of any available foreclosure prevention options that they may qualify for. If you are not interested in completing the documentation for a review,please disregard this correspondence. We have enclosed a copy of the payment history along with thetransaction codes for your records.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking 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 over the phone by calling [redacted]Pay by regular mail at P.O. Box [redacted], GA [redacted]Pay by overnight mail at [redacted], CO [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]
[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 originally filed with the Denver Revdex.com (“Revdex.com”) onAugust 18, 2015 and received by Specialized Loan Servicing LLC (“SLS”) on April 11, 2016 regardingloan modification information for the above-referenced mortgage account. A copy of the complaint isenclosed for your review.Please accept our condolences regarding your client’s daughter. Our records reflect this account waspaid off on December 10, 2015 and reflects a zero ($0.00) principal balance. As this account has beenpaid in full we would not offer any loss mitigation options at this time.According to our records your client’s Chapter 7 Bankruptcy was discharged on March 26, 2010. SLS isobligated under federal bankruptcy law to comply with the requirements of the Automatic Stay. Thisinformation is provided in response to this request and does not constitute a demand for payment.As per [redacted]’s request, we have added [redacted] and [redacted] and [redacted] as an authorizedthird party on the account. [redacted] and [redacted] and [redacted] will be able to receive and/orprovide information concerning the above referenced account.In researching this account, we have found no errors. Your client has the right to request the documentsrelied upon in reaching this determination by contacting us at the number below.If you or your client have any questions regarding this information, please contact Customer Care toll freeat [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted],Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:
I paid my escrow shortage in November 2017. SLS placed the escrow in the wrong place 3xs prior to finally placing the money in escrow in January.  This was the reason for our 1st issue and them having to send me a check for over payment....There was no shortage I need to be charged for as it was SLS who did not apply my funds to the escrow when they were supposed to. I fulfilled my payment obligations they misplaced the funds.
Sincerely,
Brigid [redacted]

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]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD ###-###-####, Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.

[redacted]      
[redacted] June 13, 2016 Revdex.com Complaint number [redacted] Revdex.com Serving Denver/Boulder Dear Revdex.com : Thank you for responding to my complaint.  I am not satisfied with their response all the information is accurate except that they failed to mention that they did not send me a statement to know how much money I had to send for the home equity loan if in fact it was changed.  They stopped sending statements because my husband filed for bankruptcy.  I should of received a notice because I am also responsible for the loan.  When I did send the regular amount of the loan which ranged from 167.00 to 173.00 and it wasn’t the right amount I should have been notified immediately.  What SLS did was hold the amount I sent without telling me it wasn’t going toward the monthly loan payment.  I only found out about it because after 5 months I was allowed access to the account and saw a late payment and the amount I had been sending was put on hold.  This is really unfair to me.  SLS is horrible in communicating with clients.  And they were quick to send the late payment to affect my credit school.  I would like that late payment removed from my credit report. It wasn’t my fault that they didn’t communicate with me as a client to inform me of the changes that were taking place.    Thank you [redacted]

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) on July 10, 2016 and received by Specialized Loan Servicing LLC (“SLS”) July 11, 2016 regarding credit reporting for the above referenced mortgage account.Your account service transferred to SLS...

on February 1, 2016 and our records reflect that you were duefor the February 1, 2016 payment. We do not report delinquencies in the month of transfer plus twomonths afterwards. Our records reflect your payment was received over 50 days after the due date. If youhave documentation and proof that the funds to pay off this account was sent in February 2016 and notMarch 2016 then we can further review your request for late payments. We have enclosed a copy of thepayment history and transaction codes for your records. If you have documentation with an unmarked copy of your entire credit report(s) supplied to you byExperian, Equifax or TransUnion for SLS to review reflecting credit reporting issues, please send us thisinformation and we will further review your request, otherwise we consider this matter resolved andclosed.Our records reflect we received the funds in the amount of $297,932.50 and this account was paid off onMarch 21, 2016 and reflects a zero ($0.00) principal balance. We issued you a refund in the amount of$274.80 on April 5, 2016 for the overpayment of the escrow funds.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.

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Address: 8742 Lucent Blvd STE 300, Highlands Ranch, Colorado, United States, 80129-2386

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