Specialized Loan Servicing, LLC

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

account.   With regard to your concerns, a review of SLS’ records indicates on October 19, 2017 during a phone call SLS’ Executive Services representative advised that SLS is willing to waive the internal [redacted] (“[redacted]”) fee in order to address your concerns.  In order for SLS to review your request to remove the [redacted], please sign and return the enclosed authorization for an internal [redacted].   SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us.  Please understand that we handle all borrower comments and concerns with the utmost consideration.  We regret to hear you were dissatisfied with the servicing of your account.   We have 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 [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.

Initial Business Response /* (1000, 6, 2015/11/12) */
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on October 28,
2015 and received by Specialized Loan Servicing LLC ("SLS") on November 4, 2015 regarding credit
bureau reporting for the above...

referenced mortgage account.
Our records reflect we responded to similar inquiries with our letters dated July 10, 2015 and September
11, 2015. We have enclosed copies for your review. Below is the response we provided:
Our records indicate that your mortgage payment was due on April 25, 2015 and was received on June 8,
2015. As such, the mortgage payment was 30 or more days past due. At this time we do not see an
attempt to make the payment for May 2015 and several calls were made to try to reach you before the
payment was over 30 days past due. Accordingly, this information was reported to the credit reporting
agencies. In accordance with the Fair Credit Reporting Act (FCRA), SLS is required to report payments
and account information accurately; therefore, credit cannot be corrected as a courtesy.
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.
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.

Dear [redacted] and [redacted],   This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) February 27, 2018 regarding credit reporting on the above-referenced mortgage account (the...

“account”).   With regards to your concerns, please be advised that in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”) during the initial 60 days following servicing transfer of the account, SLS will not assess late fees or report information to the credit reporting bureaus.   Additionall, SLS places a hold on credit reporting on any mortgage account for which a dispute is received, in order for SLS to research and respond to the dispute.  When the response is issued, the hold/suspension timeline expires and normal credit reporting activities will resume unless an additional hold is placed.  SLS’ records do not indicate any negative credit reporting has been provided to the credit reporting agencies.   In compliance with the laws of the State of North Carolina, enclosed is a copy of the Note and payment history with transaction codes as well as the following information:   •           Your account is currently due for April 1, 2018 in the amount of $1,006.41. •           The current principal balance of the loan is $177,684.21. •           The escrow balance as of the date of this letter is $1,691.32.   Note Holder Contact Information:   Federal Home Loan Mortgage Corporation (Freddie Mac) 8250 Jones Branch Drive McLean, VA 22102   As SLS is the servicer on behalf of the current owner, all correspondence should be directed to 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.

Complaint: [redacted]
I am rejecting this response because: I continuously respond promptly to the documentation requests and you have all necessary forms, applications and letters.  When SLS responded to this complaint all documents were turned in, including the signed p&l.  I send in forms, you say you never got them even though the email I receive back from SLS states "forms received and we are able to process". Revdex.com look at ALL THE COMPLAINTS from unhappy customers...yet you gave SLS an A+ review.  When we send in a form or document SLS sends an email a month later saying everything is expired...why are you not doing your due diligence and processing in a timely fashion? Why do you add the profits from my business to my income??? We don't get those profits, they are reinvested into the business so we can keep our business open.  I want to pay for my house yet you tell me time and time again that you don't have a repayment plan every time I call and speak with someone. Why are you putting me further behind in my mortgage, why didn't you accept the payments I sent in for the HAMP I was approved for...I have the proof I sent in the payments and I have the proof that you rejected the payments. NOWHERE on your paperwork does it state "this is the only way we will take a payment".  Why won't you help me? That's my question...
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 3, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on May 3, 2016 regarding credit reporting on the above-referenced second mortgage account. Our records indicate that we have...

previously responded to a similar request for credit reporting on May 5, 2016.  We have enclosed this letter for your records. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accurately as they were received, therefore, credit cannot be altered as a courtesy. Please note that SLS has complied with your requests for information in accordance with both state and federal law. 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. Our records reflect this account was paid off on March 18, 2016 and reflects a zero ($0.00) principal balance.  On April 4, 2016 we sent you a refund check in the amount of $5.84 for interest that was overpaid.  We have enclosed a copy of the Verification of Mortgage and the recorded lien release for your records. When a dispute is received, credit reporting is placed on hold while we research and construct our response. Credit reporting for this account has been place on hold due to the written requests that we have received. Once credit reporting is turned back on after the resolution of your dispute we will be able to report the account’s current status. Please allow 60-90 days for an update to be sent to the credit bureaus. 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 ###-###-####, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response /* (1000, 6, 2015/05/18) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on May 5, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 6, 2015 regarding credit reporting for the above referenced mortgage...

account.

After a review of our records, we negotiated a short payoff in December 1, 2014 and this account was liquidated to show a zero principal balance on May 6, 2015. We are currently in the process of closing this account and releasing the lien for this property.
On May 15, 2015 we submitted a manual update to the credit reporting agencies to reflect this account was closed with a zero balance on December 1, 2014. Typically, the updates are received within 72 hours however; it may take approximately 45-60 days for the credit bureaus to update their records with this information.
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, 2015/06/11) */
I agreed to a short negotiated payoff with sls on dec 2014. I paid them 10,000. They were to close the account in 30 days. In may they had not closed
I agreed to a short negotiated payoff with sls on dec 2014. I paid them 10,000. They were to close the account in 30 days. In may 2015 they had not closed the account and they had put on credit report that I was late for jan and fen 2015. I made a complaint to Revdex.com on may 2015. They have closed account and removed late for jan and feb 2015. now I have late for mar and april 2015. I need them to remove this.
please remove late on credit for mar and april 2015.
Final Business Response /* (4000, 14, 2015/06/23) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on June 11, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 16, 2015 regarding credit reporting for the above-referenced mortgage account.

Our records indicate that we have previously responded to a similar request for credit information on May 15, 2015. We have enclosed this letter for your records.
On May 15, 2015 we submitted a manual update to the credit reporting agencies to reflect this account was closed with a zero balance on December 1, 2014. We turned off credit reporting and updated any negative reporting. Typically, the updates are received within 72 hours however; it may take approximately 45-60 days for the credit bureaus to update your official records with this information. . Please use this letter as verification of this correction.
If your credit report continues to reflect inaccurate information after that time, please dispute the reporting directly with the credit reporting agencies. In accordance with the Fair Credit Reporting Act (FCRA), Specialized Loan Servicing, LLC is required to report payments accurately as they are received; therefore, credit cannot be corrected as a courtesy. A copy of the payment history for the account is enclosed.
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

Complaint: [redacted]
I am rejecting this response because: no additional fee
should be applied if the payment is paid within the grace period, per the original
contractual agreement.  If SLS does not
charge for this fee for the first 4 days, then I assume this should be extended
through the grace period.  In my current
profession I implement on-line payment systems, and highly unethical and poor
business practice to charge this fee.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 26, 2016 and received by Specialized Loan Servicing LLC (“SLS”) regarding payments for the above referenced account.Our records indicate that we have previously responded to similar requests...

regarding the escrowaccount, disclosure statements and credit reporting on March 17, May 9, and August 4, 2016. We haveenclosed these letters for your records.We received a Western Union payment in the amount of $211.08 on August 15, 2016 that posted towardsthe September 1, 2016 payment. This account is current and due for the October 1, 2016 payment in theamount of $211.08. We have enclosed a copy of the payment history and transaction codes for yourrecords.In researching your account, we have found no errors. You have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted] TO SLS:    You are not addressing or reading our dispute.. you state " in accordance with both state and federal law" if so, where are these so called  Legal File “in accordance” we are being charged  from your attorney [redacted], PA that is the dispute. Our conversion with your Lawyer the first time “was to go ahead and call your Mortgage company  to settle the debt on time and it will be fine” which WE DID in the proper time ask of us in 3 Days  The second call, well after settling the debt, about the fee in question we were told “being retained and a file was being started at the that time” NOTE: a humm and a pause on “started”. We are questioning if a file was ever done? If a detailed personal file with our names are in writing and a FEE is assessed to us why do we not have the document, sorry to say we feel strongly it doesn't exist. With that being said you have not satisfied our dispute or justified in any way the fee of  $1,385.32 in reference to this matter. As mentioned previously, all we received was a 46 cent stamped generic typed 1 1/4 paged  filled in with pen in spots letter from your Lawyer, luckily we opened it, for this you have added "other fees" to our account? Only recent letter from you on 8/22/16 Clearly states“The above figures are good through 8/29/16" “Total Reinstatement is $15,894.47" that’s the amount you asked  for and received before 8/29/16, NO were plus $1,385.32. We have a right to dispute in accordance with Revdex.com, Consumer Financial Affairs and now The Federal Reserve and soon Deutsche bank (title holder). You keep telling us to call Customer Care Center WE DID 2 times (many weeks ago) explaining why we were calling and ask to speak to a supervisor (check your taped conversions) we were told they were busy and they would call us back, never happened  NO call back, we have a feeling why, no answer. You explain an  Executive Services Supervisor left a message Nov 3rd (2 1/2 months after the fact), how about professionally leaving  a name, number, reason and extension not "This is SLS and a 800 number" As mentioned we called to work out a catch up payment plan but the offers were unreasonable then our check for Aug. payment never cashed without warning, in turn causing us to fall behind even more in your pursuit with this foreclosure. Your insisting and not understanding that "found no errors" is the problem. You need to address this dispute as the legal service you are using is causing disputes to your company in error. The Lawyer’s you are hiring  and  fee “on to us” your clients for their service is still unjustified and we consider an "error." If there is a so called  Legal File paper document in question from your attorney at the time 8/23/16, why wasn't it sent instead of a generic (NOT Certified or Reg.) warning letter..Bottom line, A family in hardship under Gov. (MHA) Program  is being charge“foreclosure Attorney fees and other fees” $1,385.32  for a Law firm who sends a plain due payment letter and most likely an email/phone call from you to this Law Firm to do so, is appalling, when we meet all obligation and deadlines of payment do..We ask this fee to be removed.Sincerely [redacted] and [redacted]

Initial Business Response /* (1000, 18, 2015/11/25) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 9, 2015 and received by Specialized Loan Servicing LLC ("SLS") regarding payments for the above referenced mortgage account.
Our records...

indicate that we have previously responded to a similar request for account payments on June 26, 2015. We have enclosed this letter for your records.
According to our records and after our review, we have verified and located the funds in the amount of $2,064.95. These funds were applied to the account and were back dated and posted on the original date received on June 30, 2015. This account is current and up to date. 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 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 Business Response /[redacted]/
Dear [redacted]
This letter is in response to your correspondence dated May 1, 2015 regarding a pay off quote for the above referenced mortgage account.
We strive to make concerted efforts both through our internal policies and...

through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise.
We handle all borrower comments or concerns with the utmost consideration, and we regret to hear that you were unsatisfied with our servicing of the account.
A copy of this correspondence and payoff quote has been faxed to Keep Your Home CA at fax number X-XXX-XXX-XXXX, per your request.
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.

We are writing in response to the above-referenced complaint regarding the above referenced mortgageaccount. Specialized Loan Servicing LLC (“SLS”) appreciates the opportunity to respond to the complaintand trusts that the information provided enclosed will allow the Revdex.com to...

resolve thiscomplaint.Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicer. The servicing of themortgage account transferred to SLS on December 1, 2013. At that time, the account was due for theDecember 1, 2013 contractual monthly payment. The account is currently due for the November 1, 2016contractual monthly payment.Enclosed, please find a copy of the response submitted to the California Department of BusinessOversight and the Colorado Department of Law regarding the Albertson’s account.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 6:00p.m. MT.

Dear [redacted] and [redacted], This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on March 12, 2018 regarding the payoff of the account on the above-referenced account. SLS’ records indicate we previously responded to your concerns with our letters dated February 23, 2018 and March 7, 2018. SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that the account is serviced with us.  Please understand that we handle all consumer comments and concerns with the utmost consideration.  We regret to hear you are dissatisfied. 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. 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.

Dear [redacted],
This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on July 7, 2015 and received by Specialized Loan Servicing LLC ("SLS") on July 10, 2015 regarding a fee assessed to the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondences dated July 22, 2015, August 5, 2015, August 17, 2015 and August 25, 2015. Copies of these letters are enclosed for your review. Please note that Specialized Loan Servicing LLC ("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.
After review of our records we confirmed that our response to your rebuttal of the case filed with the Revdex.com dated August 5, 2015 and August 17, 2015 were sent to the mailing address we have on file for you.
Furthermore, our records show that our letter dated August 12, 2015 was a correspondence advising you that your qualified written request or general correspondence we received was currently under review. In addition the letter dated August 20, 2015 was sent to you to notify you that the flood insurance coverage we ordered on your behalf was cancelled. Copies of these letters are enclosed for your review.
Please note that SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documents signed at closing. Escrow was forced on the above-referenced account due to delinquent flood insurance in accordance with the enclosed Deed of Trust. Our records show that at the time escrow was added to the account there was not a zero balance. Therefore we are unable to comply with your request to refund any monies at this time.
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.
In compliance with the laws set forth by the state of Washington, enclosed is the following information:
Your account is not currently due for a monthly payment.
The current principal balance due is in the amount of $0.00.
There are no funds held in a suspense account.
The escrow balance as of today is $0.00. There is not an escrow shortage.
Note holder contact information:
E*Trade Bank
[redacted]
Specialized Loan Servicing LLC ("SLS") is the servicer of the loan on behalf of the investor. Correspondences made with the investor will be handled by SLS.
If you have any questions regarding this information, please contact Customer Care toll free at [redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response /* (1000, 5, 2015/06/15) */
Dear [redacted] A. [redacted] and [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 1, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 4, 2015 regarding payment...

options for the above-referenced mortgage account
Our records indicate we recently responded to a Consumer Financial Protection Bureau ("CFPB") dispute for a similar concern. We are enclosing the response sent to you on June 11, 2015 for your review. After review of our records we have confirmed two telephone calls were made to our offices on Sunday, May 11, 2015. If you attempted to make a payment on May 31, 2015 the system automatically included the June 1, 2015 contractual payment since the attempt was made after the last business day of the month. We regret any inconvenience you may have experienced.
For informational purposes a payment may be made using one of the following options:
Pay online at SLS. net (for current loans)
Pay over the phone by calling X-XXX-XXX-XXXX
Pay by regular mail at P.O. Box XXXXXX Atlanta, GA XXXXX-XXXX
Pay by overnight mail at 8742 Lucent Blvd, Suite 300 Highlands Ranch, CO XXXXX
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”) 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, 2015/10/15) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 10, 2015 and received by Specialized Loan Servicing LLC ("SLS") on October 5, 2015 regarding the billing statements for the...

above-referenced mortgage account.
Billing statements are sent out as a courtesy and reminder of the next monthly payment due. You have a fixed rate second mortgage and the payments are due on the 11th of each month with a grace period of 15 days. Your billing statement will not be generated until after your monthly payment is completed each month. You can also access your monthly statements online. Your account is contractually due for November 11, 2015 in the amount of $129.35.
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, 8, 2015/10/17) */
(The consumer indicated he/she DID NOT accept the response from the business.)
they still haven t answered the ques of why the payments have been arriving late
Final Business Response /* (4000, 10, 2015/10/23) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on October 17, 2015 and received by Specialized Loan Servicing LLC ("SLS") on October 20, 2015 regarding payment posting for the above referenced mortgage account.
In your previous inquiry we had responded to the billing statements contention with our response dated October 14, 2015 as you had inquired in your dispute. In the current correspondence you are asking why the payments have been arriving late.
The most common method of payment is by check. Except for the cost of the postage, this service is free to the customer. These funds are mailed to our payment processing center, also known as the "lock box a post office box used by organizations to accelerate the collection of payments. Checks are routed to a designated PO box number, where they are picked up several times a day, copied, deposited and recorded via tape for posting to the servicing system." Payments may take 10 business days for delivery. If the customer chooses to send us a check using an overnight service, they must send the package to the Highlands Ranch address. The lock box uses a PO Box. Overnight services do not deliver to a PO Box.
Payments received at an SLS location on a business day prior to 5:00 p.m. ET and in proper form will be effective dated as of the date of receipt.
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.

Dear [redacted], Jr.,   This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) on and received by Specialized Loan Servicing LLC (“SLS”) on December 11, 2017 regarding the discharge of the debt for the above-referenced mortgage account (the “account”).   With regard to your request to discharge the debt, SLS sent you the letters dated November 20, 2017 and December 8, 2017 addressing your concerns (copies of which are enclosed).  Please refer to the enclosed correspondences for further information regarding the portion of your concerns we have previously addressed.   Your correspondence indicates “[you were] informed that [you] could discharge this debt via [House Joint Resolution] HJR 192 of 1933.”  SLS’ records indicate SLS did not advise you of this information.  As previously advised, your loan documents (copies of which are enclosed) contain no provisions which allow you to repay your loan by any other means other than payment methods as described in your promissory Note.  Due to numerous returned payments outlined in the previous correspondence (enclosed), certified funds are required.   SLS’ records indicate balances remain on the account.  As such, SLS is unable to accommodate your demand that SLS accept your “EFT instrument” and credit the account as the “EFT instrument” was not a payment method described in your Note, nor was the “EFT instrument” certified funds as required.   Your correspondence appears to stipulate that refusal to accommodate your demand is a discharge of the debt.  SLS does not agree with any stipulations not provided for in your loan documents (enclosed).   Your correspondence references public law.  SLS is unable to comment on these concerns as they do not pertain to an identifiable aspect of the servicing of your mortgage account and SLS is unable to provide legal advice.  Please contact your local Representative for concerns regarding public law.   If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD 1-800-268-9419, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT.  SLS accepts calls from relay services on behalf of hearing impaired borrowers.

Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 21, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on November 22, 2016 regarding payments on the above-referenced second mortgage account.This account service transferred to SLS...

on September 28, 2016. We verified the payment with the priorservicer CitiFinancial in the amount of $208.04. On November 29, 2016, we made an administrativeadjustment due to the September 26, 2016 payment being made with the prior servicer to bring your loancurrent. This account is currently due for January 3, 2017 in the amount of $208.04. We apologize for thefrustration that you have experienced regarding this matter. We strive to make concerted efforts boththrough our internal policies and through our direct interactions to ensure courteous, knowledgeable andexpeditious handling of any servicing issues which may arise. We handle all borrower comments orconcerns with the utmost consideration. We have enclosed a copy of the payment history with thetransaction codes for your records.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.