Specialized Loan Servicing, LLC

Dear [redacted] and [redacted]. [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 1, 2017 regarding the application of payments and customer service on the...

above-referenced mortgage account.   SLS understands the account was included in a Chapter 7 bankruptcy that was discharged on January 5, 2011.  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 October 1, 2017 contractual monthly payment and due for each contractual monthly payment that has become due thereafter.   SLS’ records indicate on November 10, 2017 we received your voluntary payment in the amount of $994.42.  At that time, the account was excluded from normal servicing processes; therefore the funds were held in the unapplied funds suspense account.  On November 17, 2017 during a phone call you advised a SLS representative a payment was returned to your bank; the SLS representative requested your funds in the unapplied funds suspense account be applied to the account.   Regrettably, on November 20, 2017 SLS determined the funds could not be posted to the account at that time because the account was excluded from normal servicing processes.  On November 27, 2017 during a phone call you advised a SLS representative you were trying to make a voluntary payment however the funds are being returned to your bank; the SLS representative advised you the matter was escalated internally but there was no update yet.   On November 28, 2017 the account was updated to be included in normal servicing processes.  Accordingly, the $994.42 in the unapplied funds suspense account was applied to the August 1, 2017 contractual monthly payment.  On December 8, 2017 SLS received your voluntary payment in the amount of $994.42 which was applied to the September 1, 2017 contractual monthly payment.   Your complaint raises the issue you were told you would be contacted when the account was updated but you had not received a call.  This matter has been referred to the management of the appropriate department for review and potential training opportunities.   Your complaint requests SLS apply the funds held in the unapplied funds suspense account to the mortgage account and the account updated so you can send voluntary payments.  As noted above, SLS’ records indicate on November 28, 2017 the account was updated.  The unapplied funds suspense funds in the amount of $994.42 were applied to your account on December 4, 2017.  We regret any inconvenience this has caused.   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 unsatisfied with the servicing of your account.           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.   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 in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onSeptember 28, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 29, 2016regarding property inspections for the above referenced second mortgage account.A Property Inspection fee in...

the amount of $11.35 is billed when the account becomes more than 45+days delinquent. The Property Inspection is to assess occupancy status and property condition. If theloan remains delinquent, SLS will order follow up inspections every 30 days. The inspection fee is billedto the loan as a recoverable expense in allowable states. Please refer to the enclosed Note and Deed ofTrust for the terms regarding the assessment of fees and access to the property to verify the conditionalong with the occupancy status. This account has $90.80 in fees due to 8 property inspections at$11.35 for each occurance. We have enclosed a copy of the payment history with our transaction codesfor your records. On October 3, 2016, our property preservation deparment has been notified to changeall future inspections to “no contact”.This account is coded with a ‘cease and desist’ and all contact telephone numbers have been removed from our systems. We are unable to cease sending written correspondence as we are required by law tosend certain written correspondence.This account is contractually due for the September 1, 2016 monthly payment in the amount of $162.82with a total amount due of $396.44 (this includes billing for October 1, 2016).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.

Complaint: [redacted]
I am rejecting this response because: I have the $57 coming out of my account 4x a month for that month in December, then 5x in January. They had told me that the money was to pay on February statement, but we also made a payment in February. This 1st statement that we received claimed that we owed over $400 for our 1st payment. We we called they claimed they never received anything from the other company and would update and send us the updated balance. The next statement never said we had a past balance. We were told it was all taken care of then. The March Statement did not claim we owed them anything, and we even called to confirm that there was no error. We were told that there wasn't any and it was from all the payments got caught up. They had done research on this before and we were told it was a glitch in the system. It comes and goes. I tried to make an online payment and their system say that I owe nothing. I am not sure how I can owe something one time and not the next.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:they charing me law fee why were is my extra money I pay in why do they not put it towards the  amount  I OWE,I Never Had A FORCLOSER They BETTER Get The Info Straight  Why CHARGE ME For All The Thing On List If They Refuse To HELP.They Want Even Lower Interest Rate . They Did Say 3rd Time I Sent Papers Would HELP But Double MY PayMent I REFUSE. I Did Not FORCLOSE.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on
December 14, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 15, 2015
regarding credit reporting on the above referenced mortgage account.
Our records indicate that we have...

previously responded to a similar request for credit reporting on
February 5, 2015. We have enclosed this letter for your records.
It is your responsibility when you move or change your contact telephone number to update this
information on all your credit accounts. This account service transferred to SLS on June 1, 2014 and we
did not have a valid mailing address for you. This is why you did not receive our billing statements. We
have updated and corrected your mailing address once you contacted SLS in order to receive billing
statements for this account.
In review of the credit reporting for this account we found there are no inaccuracies in the information we
have reported 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).
According to our records, this account was paid in full on September 28, 2015 and is closed the account
reflects a zero ($0.00) principal balance. A copy of the lien release will be recorded with the county within
90 days.
If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through
Friday, 8:00 a.m. until 5:00 p.m. MT.
Complaint Response Date bumped because: Holiday

Complaint: [redacted]
I am rejecting this response because:
   Dear SLS Loan Serving: Your rebuttal to our complaint is incomplete and not accurate. A letter on June 15th is obsolete the total’s, and the due dates are not even close to the situation in reference with Aug.22nd. You never send us any letter there after with updated info on our situation. Also you failed  to mention the only other letter we received after June 15th  which was on Aug.22  from you CLEARLY STATES “The above figures are good through 8/29/16" “Total Reinstatement is $15,894.47". NO were does it state plus $1,385.32 foreclosure fees. The $15,894.47 WAS PAID in full before 8/29/16, as our Bank Check is dated 8/25/16 and Reg. Cert. Letter also dated 8/25/16 was sent (within 3 days of the lawyer letter.) We were willing to phone the payment in but were told  by you and YOUR lawyer it had to be mailed. Let it be know we called numerous times to work out a payment plan (offered a Possible 6 month payback) which was not reasonable or doable and inquired to possibly remortgage, but were told we would need to refinance with another company. Also, your June 15th letter tells us “you are hereby advised to seek legal advise from an attorney” in another words, pay for a Lawyer and  pay your Lawyer services?? We shamefully missed a month payment here and there do to Job Loss/ Trade (25 years with a company) and Health issue ect. over a 7/8 year period (not consecutively has you are showing). We are currently under the (MHA) Making Home Affordable Act -Special Inspector General Trouble Asset Relief  Program for the reasons mentioned. With that being said it seems you are putting us into more financial woes and not making an conscious effort to work with us in reference to this matter. Also would like to mention we just received a surplus check for over paying for ESCROW this past year and our payments are being reduced for 2017 (even though interest increased 1%), seems our monthly payments were not accurate and we were over paying. In all we are seeking the $1,385.32 to be removed for our billing.Sincerely,[redacted] and [redacted]
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on August1, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on August 1, 2016 regarding paymentson the above-referenced second mortgage account.According to our records, you have filed a...

similar request with the Consumer Financial Protection Bureau(“CFPB”) regarding the above issues that was received on August 1, 2016. This written request will beaddressed along with the CFPB complaint.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 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.

Initial Business Response /* (1000, 6, 2015/06/02) */
Dear [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 14,
2015 and received by Specialized Loan Servicing LLC ("SLS") on May 26, 2015 regarding payment
application and...

credit reporting for the above referenced mortgage account
After reviewing our records we have confirmed we are reporting information to the credit agencies
accurately. Funds received on the loan that are not sufficient to satisfy the monthly interest obligation will
be placed in a suspense account until additional funds are received to satisfy the payment or funds are
advanced on the customer's behalf. If funds are advanced they are then billed as a fee due to the
advance. This loan is a Home Equity Line of Credit ("HELOC") and the amount of interest due each
month is based on the unpaid principal balance and the days in the billing cycle. As the amount due is
determined at the close of the billing cycle this loan type cannot be paid in advance and additional funds
received may post to principal. Funds posted from October 1, 2014 to May 7, 2015 as follows:
Funds in the amount $722.92 received October 8, 2014 were placed in a suspense account as
they were not sufficient to satisfy the interest billed for the September 25, 2014 payment in the
amount of $746.88. On October 9, 2014 funds were advanced on your behalf in the amount of
$23.96 to complete the payment.
Funds in the amount of $722.92 received November 7, 2014 satisfied the interest due for the
October 25, 2014 billing in the amount of $722.79 with $0.13 posting to billed fees on the
account.
Funds in the amount of $722.92 received December 9, 2014 were placed in a suspense account
as they were not sufficient to satisfy the interest billed for the November 25, 2014 payment in the
amount of $746.88. Funds were not advanced to satisfy the payment.
A portion, $23.96 of the funds in the amount of $722.92 received on January 8, 2015 was added
to the suspense balance of $722.92 to satisfy the November 25, 2014 payment with the
remainder posting to principal reduction. A principal payment in the amount of $698.96 posted on
January 8, 2015.
Funds in the amount of $722.79 received February 6, 2015 satisfied the interest due for
December 25, 2014.
Funds were reversed on February 27, 2014 that had posted to principal reduction on January 8,
2015 in the amount of $698.96 and placed in suspense to be used for a payment.
Funds were received on March 6, 2015 in the amount of $744.18. A portion, $47.79 of these
funds was added to the suspense account to satisfy the January 25, 2015 payment. The
remaining $696.36 posted to principal reduction. The check for $85.00 received March 13, 2015
was placed in the suspense account.
Funds received on April 7, 2015 in the amount of $744.18 were added to the suspense balance of
$85.00 to satisfy the payment for February 25, 2015 and a principal reduction in the amount of
$85.00.
On April 14, 2015 the principal reduction that posted on April 7, 2015 was reversed and
outstanding fees partially satisfied in the amount of $85.00.
Funds received on May 7, 2015 in the amount of $719.33 satisfied the payment for March 25,
2015 in the amount of $677.30 with $42.03 posting to principal reduction.
At this time the loan is contractually due for April 25, 2015 in the amount of $743.97 and the May 25,
2015 payment in the amount of $719.33. There are unpaid fees in the amount of $10.70 and unpaid late
charges in the amount of $37.34. We are enclosing a copy of your contractual Note and payment history
for your review.
We have conducted a review and have not discovered any inaccuracies in the information we have
reported to the credit bureaus. SLS has complied with your requests for information in accordance with
both state and federal law. If there is specific information you are requesting that we have not provided,
please provide detailed information with your contact information to the address above. If you have a
specific dispute regarding the credit reporting information we have reported, please send us a signed
letter detailing your dispute along with an unmarked copy of your entire credit report(s) as supplied to you
by Experian, Equifax or TransUnion.
In researching your account, we have found no errors. You have a right to request the documents relied
upon in reaching this determination by contacting us at the number below, but please note that SLS has
already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at 1-800-
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 originally filed with the Denver Revdex.com (“Revdex.com”) onMay 25, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on May 26, 2016 the lien releasefor the above referenced second mortgage account.Our records reflect we received the funds in...

the amount of $114,908.32 and this account was paid off onFebruary 18, 2016 and reflects a zero ($0.00) principal balance. We issued you a refund in the amount of$599.01 on March 4, 2015 for the overpayment of the funds. The lien release has been sent to the countyfor recording as of May 27, 2016 and the county turnaround time for this to be recorded is 41 days.SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay.This information is provided in response to your request and does not constitute a demand for payment.In researching this account, we have found no errors. Your client has the right to request the documentsrelied 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 ###-###-####, Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response /* (1000, 6, 2015/11/11) */
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on October 30,
2015 and received by Specialized Loan Servicing LLC ("SLS") on November 3, 2015 regarding payments
for the above referenced mortgage...

account.
In your correspondence, you refer to a payment in the amount of $5,467.50 that you had made on the
above account on September 29, 2015. You have indicated that we refused the payments which were
made by certified funds. In a previous phone conversation, you indicated it was three separate payments
made by wire transfer on September 25, 2015. We have researched the account and there is no record
of these payments being received. In order to further research the payments, we will need
documentation for the payments made. The date they were sent, the exact amount, remittance method
and any other pertinent information such as the front and back copy of the cashed check. Once
documentation is received we will research this further. A copy of SLS' Payment History and Transaction
codes is enclosed for your reference.
At this time the account is reflecting due for the June 1, 2015 monthly payment in the amount of
$1,378.59 and each payment that has become due thereafter. You can contact our office for a
reinstatement quote. The account is in foreclosure; however a sale date has not been set.
In researching your account, we have found no errors. You have a right to request the documents relied
upon in reaching this determination by contacting us at the number below, but please note that SLS has
already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at 1-800-
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.

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]

I remain committed in saying that, a monthly billing statement should be provided for any and all payments to the mortgage company for a matter of record.
Additionally, this matter only became a problem as a result of the previous mortgage company selling the note. The previous mortgage company, did in fact, provide a monthly billing statement for their customer.
Thank you

[redacted]

This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on December 22, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 23, 2015 regarding credit bureau reporting for the above referenced mortgage account.
Our records reflect we...

responded to a similar inquiry with our response dated August 24, 2015. Please see below for the previous response information provided:
SLS began servicing the account on February 1, 2015. You indicate "'no reporting of past payments to all
three credit bureaus' for months February, March, and April of 2015." Please be advised that during the
sixty day period following the effective date of service transfer SLS does not report to the credit agencies.
Additionally, the credit reporting for this loan is placed on hold while we research and construct our written
response. Once our response is issued we resume our normal credit reporting activities.
After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accurately. 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. We have enclosed a copy of the previous correspondence for your records.
If there is a specific item on your credit reporting that you are disputing, please provide our office with a signed letter detailing your dispute along with an unedited copy of the credit report. Once this information is received, we will review the matter further.
In researching your account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onSeptember 2, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 2, 2016regarding documents on a loan modification for the above-referenced second mortgage account.For your review, we have enclosed a copy of the original Note and the November 3, 2010 loanmodification. The terms of the modification indicate interest-only monthly payments beginning onDecember 20, 2010 and continuing each month until April 30, 2015 (page 2, part 5).We received your Request for Mortgage Assistance (“RMA”) on August 2, 2016. Since that time we havemade multiple attempts to reach you by telephone and have left several messages.We spoke to you on September 8, 2016 and sent a follow-up enclosed letter on September 13, 2016,which indicates that we are missing documentation needed to complete the loan modification review.Your 2015 tax returns indicate more income ($926.84) each month than is indicated in the additionalfinancial documents provided. We need either proof of the additional income or a letter of explanation ofthe additional income. The documents and information requested must be received by October 13,2016.We require all documentation to be dated within 90 days of the recent application, or it may be consideredtoo old to be used. Though requests for documentation may seem redundant, your investor may ask forcurrent or more comprehensive financial information at any time. This is in addition to information thatmay have appeared complete previously. Additionally, documents may be invalid due to their not beingsigned, or not being completed correctly.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 ###-###-####, 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, 6, 2015/12/14) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") dated December 1, 2015 and received by Specialized Loan Servicing LLC ("SLS") on December 2, 2015 regarding payments for the above referenced mortgage...

account.
According to our records, we received your payment of $1,500.00 on November 27, 2015 that originally posted towards the December 1, 2015 payment and $601.29 additional payment posted towards the principal. We spoke with you on December 7, 2015 regarding this payment and you advised it was posted incorrectly, since the full amount was to post to principal only. On December 7, 2015 these funds were reversed and applied to the principal as requested. There is a permanent collection note on your account that states additional funds sent in need to be applied to principal each month. This account is current due for the January 1, 2016 payment in the amount of $898.71. We have enclosed a copy of the payment history along with the transaction codes for your records.
If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:SLS will not resolve any issues with me over the phone on the November 10th communication they told me to use the Revdex.com as a means to resolve this issue.   That is unacceptable by itself, however we will set that aside for the moment.  What I am requesting is industry standard and for what ever reason they refuse to corporate.  My initial complaint was they would not refund my escrow account funds to me and were crediting it towards the loan pay off amount.   Through the Revdex.com we thought we had this resolved and SLS sent a new and CORRECT payoff statement on 10/14/16 which did not show the escrow funds as a credit.  However, as the loan funding process goes the new lender requests a final pay off statement prior to closing, which happened on 11/4/16.  SLS sent a new payoff quote which now bring us to the this complaint.  The new payoff quote although did not show the escrow funds as a credit, now had $4,425 added to pay off statement to cover property taxes.  They had over $7,000 in the tax escrow account.  So I called to say why are collecting $4,425 for property taxes when you have over $7,000 already in the acccount.  They said that is company policy and go through the Revdex.com if you want a different result.  Now their most recent payoff statement on 11/18/16 which they have provided to solve this issue, we now have come full circle, they paid the property taxex and now have a balance $2,278.34 and SLS most current payoff statement shows the escrow balance as a credit to the payoff amount... which was point of the first complaint.I WANT MY ESCROW FUNDS REFUNDED TO ME IN FULL AND NOT CREDITED TO THE LOAN PAYOFF.  AS YOU ARE WELL AWARE, THIS IS INDUSTRY STANDARD PRACTICE.  YOU HAVE SLOW PLAYED, BAIT AND SWITCHED, AND REFUSED TO DISCUSS ISSUES OVER THE PHONE.  RETURN MY MONEY BACK TO ME. Regards, [redacted]

Hello [redacted] and thanks so much for the quick reply! If only SLS was customer-friendly and reachable!   The primary goal of re-financing my property at [redacted] was to not only reduce my overall interest rate, but to cut the term of the mortgage down to 15 years AND make bi-monthly payments(which every lender I’ve dealt with since the early 90s has had no issues with providing/accomplishing this as they value my high FICO score and prompt payment history).    If I make monthly payments vs bi-monthly payments over 15 years, the loan will literally cost me more than $15,000 in unnecessary interest charges that I don’t want to pay,.It isn’t my issue that SLS supposedly has te inability to post payments or accept bi-monthly transactions. Their staff has spent plenty of time sending me screen shots. reconciliations as to why money was sitting in “SUSPENSE” for months at a time. Everything can be set up electronically and should have been months ago, but I can’t get that accomplished and now spend time communicating with CFPB/Revdex.com and is exhausting.   SLS acquired the loan in 2016 and has either unwilling or unable to provide bi-monthly payments via ACH form. i’ve attempted to complete SLS’s online form to set up ACH and the link doesn’t work, It says you may call a CS representative to set up ACH and they won’t do it via phone or send you to a different department and I get stuck in voicemail.   It’s further clear to me that the notices, although FDCPA compliant(I’ve worked for one of the largest AR/collection agencies in the world since 1990 and still do) and they’re form letters as it states someone from their “executive offices” will contact me. It never happens and nothing is resolved and I deleted my contact phone number off of my profile quite a while ago due to robo-dialers and if they even looked at my profile they’d see no phone number is there, so how would the call me?   I formally am requesting that SLS provide an email address and direct dial phone number of a manager that I may communicate with(not a letter or another broken promise to call me) and a specific date/time(like the real business world and communications)so that I may make ACH bi-monthly payments on the loan and pay off as quickly as possible. We are retiring in this home and don’t want to pay extra interest.     Thanks in advance for your time and consideration. For your records, My cell phone is ###-###-#### and my POE direct dial is ###-###-####. This is my personal email which SLS may communicate with me directly and they can cc you as well with the goal of getting this resolved. Unless I have a set human/appointment, I prefer not to communicate with SLS via phone as their last agent I spoke with was rude and continually interrupted me.I’ve spent literally more than one full business day trying to get this fixed.

Dear [redacted],   This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) on November 10, 2017 and received by Specialized Loan Servicing LLC (“SLS”) on November 13, 2017 regarding an extension request on the above-referenced mortgage account.   Our records indicate we have previously responded to your concerns with the enclosed letter dated November 8, 2017.   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 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.  SLS accepts calls from relay services on behalf of hearing impaired borrowers. Tell us why here...

Dear [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on Febraury 11, 2018 and received by Specialized Loan Servicing LLC (“SLS”) on February 12, 2018 regarding the calculation of the payoff and a refund for the...

above-referenced mortgage account (the “account”).   Your dispute references concerns regarding the calculation of the payoff.  You reference concerns regarding the interest rate, fees and the escrow.  With regard to your concerns, SLS’ records indicate the payoff quote dated December 7, 2017 indicated the following:   Expiration Date                                      ...⇄ January 6, 2018;Principal Balance                                    �...⇄ $9,587.67;Interest Calculated to January 6, 2018                                      ...⇄ $43.63;Release Preparation Fee                                      �...⇄ $13.35;Recording Fee                                      �...⇄ $46.00;   Total Amount Due                                      �...⇄ $9,690.65;   Regarding the interest rate, SLS’ records indicate the interest rate effective December 1, 2017 was 4.71069%.  The interest rate effective January 1, 2018 was 4.91775%.  SLS has confirmed the interest rates as correct according to the terms of the Promissory Note (a copy of which is enclosed).   Regarding the fees on the payoff quote you do not request information or notify SLS of an error.  In order for SLS to research the matter further please advise what information is being requested or what specific error is being alleged.   Regarding the escrow, SLS’ records do not indicate the account was escrowed for taxes or insurance.  We regret any confusion resulting from the matter.   SLS’ records indicate the account was paid in full on January 24, 2018.  SLS sent you a letter dated January 25, 2018 (a copy of which is enclosed) indicating the account was satisfied and closed on January 24, 2018.  SLS sent you check number [redacted] dated Febraury 8, 2018 in the amount of $11.33 as a return of the excess payoff funds.   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.                         In compliance with the laws set forth by the State of Oregon, enclosed is a copy of the payment history with transaction codes for the above referenced loan as well as the following:   This account is currently paid in full; There is no current principal balance;There are no funds held in a suspense account; There is no escrow balance;  Note holder contact information at the time the account was satisfied:   [redacted]2   SLS is the servicer on behalf of the Note holder; correspondences made with the Note holder will be handled by SLS.   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.

This letter is in response to your response filed with the Denver Revdex.com ("Revdex.com") received by Specialized Loan Servicing LLC ("SLS") on December 21, 2017 regarding establishment of automatic payments and access of your online account for the above-referenced account. We understand the...

account was included in a Chapter 7 bankruptcy that was discharged on November 28, 2011. 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 December 1, 2017 contractual monthly payment. This account service transferred to SLS on November 16, 2017. SLS does not own your loan. In response to your request for mortgage paperwork we have enclosed copies of the Notices of Servicing transfer from both servicers, and copies of your Note, Deed of Trust, and payment history with SLS. On November 30, 2017, we sent a letter in response to your application for Automatic Clearinghouse ("ACH") payments. SLS is obligated under federal bankruptcy law to comply with the requirements of the automatic stay, which would include automatic collection of a discharged debt or online access to payment information. If you wish 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 1-800-315-4757 ? Pay by regular mail at P.O. Box 105219 Atlanta, GA 30348-5219 ? Pay by overnight mail at 8742 Lucent Boulevard, Suite 300 Highlands Ranch, CO 80129 Previously we also were unable to send billing statements for accounts included in discharged Chapter 7 Bankruptcies; however, we have implemented a program whereby you may request monthly statements through written request and authorization. We have enclosed the authorization form for your convenience. You also may contact our Customer Care department at the number listed below at any time to obtain information regarding your account. Our records reflect on January 4, 2018 we spoke with you regarding your account and setting up automatic payments, however this request was denied. We have researched your account and our records indicate that setting up automatic payments and accessing your account on-line 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.