Specialized Loan Servicing, LLC

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]

Complaint: [redacted]
I am rejecting this response because: they hace engaged an attorney to sue me. And, since the Revdex.com indicated not to include account numbers, I'm not sure how to proceed.   Furthermore, the fact they claim not to have an account on me is proof I owe them nothing.
Sincerely,
[redacted]

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 and refinancing for the above-referenced mortgage account. A copy of thecomplaint is enclosed for your review.Our records indicate that we have previously responded to similar requests for information aboutrefinancing this loan on August 28 and September 24, 2015. We have enclosed this letter and enclosuresfor your and your clients’ records.As one or more of the borrowers on the account has legal representation, we are unable to provide thisinformation directly to [redacted]. Please provide this correspondence at your discretion.It is unclear from your clients’ request what documentation is being requested.SLS began servicing this account in April, 2014. We are unable to comment on the servicing of theaccount prior to the transfer. At the time of transfer, three co-borrowers remained on the Note, and SLSis contracted to service the account based on the terms of the Note and Deed of Trust. In order toremove a co-borrower from the Note, the loan must be sold or refinanced. SLS does not completerefinancing, as we are not a financial institution.If your clients are interested in applying for loss mitigation options, they should complete the enclosedRequest for Mortgage Assistance. There is no active loss mitigation review on the account. If yourclients are interested in applying for loss mitigation options, they should complete the enclosed Requestfor Mortgage Assistance. There is no active loss mitigation review on the account.Active foreclosure proceedings have begun on this account; however, no sale date is set at this time.In the past two years we have provide the following responses to request for mortgage assistancerequests:· June 5, 2014: We informed your clients that we needed a fully completed and executed Request for Mortgage Assistance (“RMA”). We included the RMA for your clients’ convenience.· August 1, 2014: We sent a follow up request to your clients that we needed a fully completed and executed RMA. We included the RMA for your clients’ convenience.· September 8, 2014: We informed your clients that we needed a fully completed and executed RMA. We included the RMA for your clients’ convenience.· October 23, 2014: We sent a letter to request the RMA and other missing documents. · November 10, 2014: We sent a follow-up letter to request the RMA and missing documents. · November 28, 2014: We sent a letter requesting missing documents. · December 16, 2014 we sent a follow-up letter for missing documents. · January 5, 2015: We indicated we were unable to review the account for loss mitigation due to our not receiving the documents in the time frame allowed. All documents required for thisprocess are time-sensitive.· January 29, 2015: We requested a new RMA · February 20, 2015: We requested an RMA and other missing documents. · March 10, 2015:We requested an RMA and other missing documents. · March 31, 2015: · April 21, 2015: We requested a new RMA and other missing documents. · May 7, 2015: We sent a follow-up letter for a new RMA and other missing documents. · June 17, 2015: We indicated we were unable to review the account for loss mitigation due to our not receiving the documents in the time frame allowed. All documents required for this processare time-sensitive.In researching your clients’ account, we have found no errors. You have a right to request the documentsrelied upon in reaching this determination by contacting us at the number below, but please note that SLShas already enclosed the same for your reference as outlined above.If you or your clients should have any additional questions or concerns which SLS has not alreadyaddressed, please submit such inquiry in writing to: Specialized Loan Servicing LLC, [redacted]
[redacted] Your clients may also contact Customer Care tollfree at ###-###-####, Monday through Friday, 6:00 a.m. until 6:00 p.m., MT or TDD ###-###-####,Monday through Friday, 8:00 a.m. until 5:00 p.m., MT.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") dated and received on April 6, 2017 by Specialized Loan Servicing LLC ("SLS") and your Qualified Written request dated March 14, 2018, received on March 19, 2018, regarding servicing issues collecting...

payments and harassment on the above-referenced mortgage account. This account service transferred to SLS on October 16, 2016. SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documents. Your payments are due on the first of each month. Under the enclosed Note it states the terms of your agreement. Please review the terms of your payments located on page 2 of 3, 6. (B), "If I do not pay the full amount of each monthly payment on the date it is due. I will be in default." Once you are past the due date of the first of each month our SLS representatives provide a courtesy call to you as a reminder of the monthly payment and to provide any early assistance if needed. You do have a grace period of 15 days, before we charge a late fee, but this does not mean your account is not delinquent after the first of the month. Your account is currently due for the April 1, 2018 payment. SLS has received your cease-and-desist request, effective March 24, 2018. Accordingly, your telephone numbers are in the process of being removed from our records. After the update in our system, you will no longer receive collection calls of any kind. The only communication will be through written correspondence until further notice. Please note that there are certain notices and informational statements that SLS is required to send pursuant to applicable state and federal laws. We have listened to the telephone call you address in your correspondence. In regards to your concerns that a SLS representative harassed you, we respectfully disagree. SLS is committed to fair servicing and the prompt and responsive handling of all consumer servicing issues and complaints. We strive to make a concerted effort in our direct interactions with borrowers to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handle all borrower experience feedback with the utmost consideration. We regret any frustration that you have experienced. We have researched your account and our records indicate that the servicing issues collecting payments and harassment described in your dispute were not in error. We trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below, but please note that SLS has already enclosed them for your reference. If you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

Complaint: [redacted]
I am rejecting this response because:I need to ensure that SLS will expediently correct with all three credit reporting bureaus the negative credit history that is currently posted for the month of May 2016 under my SLS mortgage in my credit reports. Copies of the relevant passages from my credit reports were sent via fax to SLS (at 720-241-7218) on 7/14/16, along with other supporting documentation. If SLS does not address this unjustified negative credit history, I will be forced to submit requests for correction directly to the credit reporting bureaus. Also, I received a mortgage statement dated 7/1/16 that indicates I owe $6,382.96 on 8/1/16, which includes a past due amount of $3,058.54, a new amount due of $3,191.48, and a late payment fee of $132.94. This total amount is incorrect, and I only owe $3,191.48, which is my new monthly payment as of 6/1/16. All of my payments have been paid in full up to this point, therefore, I should not have a total amount due of $6,382.96 on 8/1/16. Please ensure the past payment due and the late payment fee are removed from the system. Please refer to the letter and supporting documentation I have submitted via fax as indicated above.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on July 6, 2017 and received by Specialized Loan Servicing LLC ("SLS") on July 6, 2017 to assist you regarding taxes on the escrow account and late fees on the above referenced mortgage account. When a...

loan transfers, the full "boarding" process may take up to 60 days to complete. We have enclosed a copy of the Notice of Servicing Transfer from SLS originally sent on March 3, 2017. This notice provides information concerning Real Estate Settlement Procedure Act ("RESPA") guidelines for service-transfer. When a loan transfer occurs; all credit reporting is suspended for the month in which the transfer occurs, as well as for two (2) additional months thereafter to allow for the transfer and forwarding of payments. We are currently collecting escrow payments for homeowner insurance and taxes. When this account service transferred, the escrow account balance was $10,069.27. On June 26, 2017 we paid the hazard insurance in the amount of $3,264.00. We received your proof of payment for the amount due for taxes in the amount of $5,852.87 to include any interest and penalties. The taxes were due on March 31, 2017 and are generally paid a month in advance. We apologize for any inconvenience. On July 17, 2017 we conducted the enclosed escrow analysis, at which time a surplus of $5,358.33 was determined, due to the overpayment of taxes. This refund check was generated on July 18, 2017. We are in the process of generating a refund check of $1,055.43 for only the tax penalties You will receive a total refund of $6,413.76 SLS’ practice is to pay tax bills 30 days in advance of the due date to insure there will not be any additional payment for interest and penalties. Enclosed is a copy of your payment history reflecting these disbursements and your refund. Your disputes mentioned a concern about your use of speaker phone. In order to provide the best customer service and protect your information, SLS requires verification of identity and legal disclosures to be provided with every telephone call our representatives take. In order to provide these disclosures, the customer service representatives may request not to be on speaker phone in order to listen clearly to your issue along with protecting any proprietary information. We may also need to verify and validate that there are no other third parties that may be listening to the telephone call that we would need to authorize on your behalf. We regret any confusion experienced regarding this. 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.

(The consumer indicated he/she DID NOT accept the response from the business.)
As stated in my previous complaints and all conversations with SLS. They continually request that I create a document that doesn't exist (fraud) regarding the lease. I will again state that I use a property management company, therefore, a lease with my signature or my wife's signature does not exist, nor will it ever. The lease agreement exists between my property management company and the tenant. This is a legally binding document in the state of Minnesota and SLS DOES have a copy of both the lease, and the addendum which they claim is incomplete.
It should also be noted, SLS also sent me a letter stating that my account had suddenly shifted responsibility (dated Dec. 10, 2015) to another agent due to how poorly this matter was being handled. It was clear to me upon filing this complaint that my file had never been thoroughly reviewed. Only until I started asking the question "Why?" of the SLS agent '[redacted]' and others, did anyone start to review my account properly.
In regard to the RMA: I will state this again, during all previous correspondence with SLS, at NO TIME was it EVER mentioned that more than a box being checked regarding our intent with the property on the RMA. It wasn't until I spoke with supervisor "[redacted]", that other items on the RMA were incomplete. '[redacted]' was the only person who bothered to explain anything during this process.
I continually get mixed messages and letters from SLS stating various things (as noted above regarding being shifted to a different agent) and this is a perfect illustration of how they mishandled my account and continually do so. I do not trust that they ever intend on truly resolving this matter, therefore I will repeat the same request I had previously regarding this matter:
I want ALL documentation (originals) that I submitted previously MAILED back to me at no cost.
Only then will the matter be considered resolved.

This letter is in response to your complaints filed with the Denver Revdex.com ("Revdex.com") on February 21 and March 6, 2018 and received by Specialized Loan Servicing LLC ("SLS") on February 21 and March 6, 2018 regarding the application of payments, credit reporting, and fees on the...

above-referenced mortgage account. We understand the account was included in a Chapter 7 bankruptcy that was discharged on October 13, 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 March 1, 2018 contractual monthly payment. This account service transferred to SLS on November 16, 2017. SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documents. We received your telephone call on February 21, 2018 and you questioned why the February 2017 payment did not post to your account. You explained you sent in two partial payments in January and February 2017. In order for payment to your account to post correctly, we will need the full payment sent in each month in one payment. When we receive funds with no explanation on how to post the payment, we will then apply these funds to ‘curtailment’ (reduction of the unpaid principal balance). When a payment is received that is less than the amounts due, the funds are placed in the unapplied funds suspense account. The funds wait in the unapplied funds suspense account until more funds are received. When an amount equal to a contractual billing amount is in the unapplied funds suspense account it will then post to the most delinquent contractual billing due. According to your payment history: On January 11, 2018 we received a payment in the amount of $739.34 that satisfied the January 2018 contractual payment. On January 23, 2018 we received a payment of $400.00. We applied $48.01 to fees and $351.99 to the unapplied (suspense) funds account. On January 24, 2018 we posted the $351.99 to the unpaid principal balance. On February 6, 2018 we received $400.00 that posted to the unapplied funds suspense account. We received a payment of $400.00 on February 16, 2018 that posted to the unapplied funds account. On February 27, 2018 we reversed payments received and the payment that posted to curtailment dated January 24, 2018 in the amount of $351.99. We reposted all payments to reflect the account is paid to date. We have enclosed a copy of the updated payment history, and transactions codes for your review. In compliance with the laws set forth by the state of Washington, included is the following information: ? This account is currently due for the March 1, 2018 payment in the amount of $739.34. ? The current principal balance is $121,485.36. This is not a payoff quote. ? There are no funds being held in the suspense account. ? The escrow balance as of the date of this letter is $1,459.26. Note holder contact information: [redacted] SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS. Due to the discharge from Chapter 7 Bankruptcy, we have not reported to the credit bureaus since the servicer transfer to SLS. On January 30, 2018 we billed your account $105.00 for a Brokers Price Opinion ("BPO") that was completed on December 22, 2017 in order to review the removal of the Private Mortgage Insurance. There is currently is a balance of $92.35 for this fee. We apologize for the frustration that you have experienced regarding this matter. We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may arise. We handle all borrower comments or concerns with the utmost consideration. We have researched your account and our records indicate that the application of your application of payments, credit reporting, and fees 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 Bankruptcy toll free at 1-855-632-6631, 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.

HelloThis is incorrect and not accurate.  As of the moment this claim was posted, your company was showing us 3 months behind, simply because you posted a Dec 2015 payment in the wrong place.  When I tried to correct it with 3 phones, I was told it could not be corrected, because it was over 90 days.  It was your error, not mine the payment was on time.  Finally however, someone in your office, has corrected it and we made the 3 payments.  You took  5 days to post the payment and in that time we occurred .42 in interest and so we were short again, by .42 cents,  again without a statement, your office gave us the amount that was needed to bring it current, since the BK was discharged and the reaffirmation was accepted.  So now we have 1 payment in the process of being reserved again and as I today, I am not convinced it has been corrected.  I will say, however, your staff has been very pleasant to deal with and I will close this as settled, once I confirmed all is well now.
Complaint: [redacted]
I am rejecting this response because:
Sincerely,
[redacted]

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 correspondence dated July 22, 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.
In accordance with the Deed of Trust, we may purchase insurance for this property if a policy is not already in place. A copy of the Deed of Trust is enclosed for your review.
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]
[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.

Complaint: [redacted]
I am rejecting this response because:  SLS continued to say they were processing my reaffirmation after my case was discharged.  They requested the reaffirmation agreement that I sent to my primary leader for them to process the reaffirmation on several dates, all dates are in my original document.  The last request they made for the reaffirmation was November 7, 2016, which I sent certified mail.  [redacted] records indicate they picked it up on November 14, 2016.  After several phone calls to them, about a week later, they said they could not find the form and ask me to send it again.  I emailed it to them, all of the facts, dates, and names of the people I spoke with are in the original complaint form.  By this time, their records should have been updated to show they were not going to process the reaffirmation.  By them continuing requesting the reaffirmation documents lead me to believe they were actually processing it.  The misleading handling of my request for a reaffirmation agreement from May 12, 2016 - November, 2016 demonstrates very poor customer service.  Again, if during that time, and certainly up to August 24, 2016 while my attorney was still retained, if they had given me correct information, I could have handled this in a different way.  They have to be held accountable for giving me misleading information for over six months.  And, again, with the consistent misinformation on receiving and processing my reaffirmation, it must be their customer service training to misinform their customers.On the information they sent to CFPB, they emailed me a copy and the last four digits of my social were not coded.As I stated in the last dispute, I appreciate Revdex.com handling this complaint but it seems SLS has no interest in addressing the fact that their customer service reps mishandled my numerous request on the status of them processing my reaffirmation request.  I can not pay for another attorney to reopen my case and it would not  be necessary had they done their jobs.  I feel The [redacted] Attorney General's office might be able to get the attention in addressing the customer service issues.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on August 20, 2015 regarding account information and refinancing for the above-referenced mortgage account. A copy of the complaint...

is enclosed for your review.

SLS is the current servicer of your clients' mortgage loan [redacted] (the "Loan"), which was transferred to SLS for servicing on April 1, 2014. SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documents.
The correspondence we received disputed the validity of the debt associated with the Loan. For your records please find, enclosed, the following documentation:
Copy of the Promissory Note
Copy of the Deed of Trust
SLS' Payment History and transaction codes
The original and current holder of your cleints' mortgage loan is as follows:
Original Creditor:
Security American Mortgage Company
[redacted]
Current Creditor:
U.S. ROF III Legal Title Trust 2015-1, by U.S. Bank National Association, as Legal Title Trustee
[redacted]
[redacted]
SLS is the servicer of the loan on behalf of the investor; correspondences made with the investor will be handled by SLS.
All requests for any agreements other than those to which your clients are a party are beyond the scope of a Qualified Written Request and accordingly are not being provided.
We are not authorized to alter or amend any condition of the original loan agreement, such as removing a co-borrower, from the Note. In order to remove a name from the Note, this account would need to be refinanced. SLS is not a financial institution and is unable to complete refinancing. Even a Quit Claim Deed naming only one of your clients as responsible for the account would not alter the original loan documents. Therefore, this account remains under their names even if there an existing agreement between the borrowers and the court that one party would be responsible for the property and the payments. However, other loss mitigation options may be available. Please complete the enclosed financial package and return it with the required supporting documentation if your clients wish to be reviewed for any available programs.
Our enclosed letter dated July 17, 2015 reflects that we denied a request for a modification because we did not receive the specific documents needed in the time frame requested for review.
We are committed in assisting borrowers whom are having a financial hardship. Please contact our Customer Resolution (CR) Department toll free ###-###-####, Monday through Friday, 6:00 a.m. to 9:00 p.m. MT. The CR associate will require certain financial documentation in writing in order to determine what alternative payment option(s) may be available to your clients. It is crucial that your clients complete the worksheet and forward it along with any additional documentation required to the CR Department as quickly as possible. The financial package is enclosed.
Our records indicate that this loan is in the foreclosure process; however no sale date has been set.
In researching your clients' 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 should have any additional questions or concerns which SLS has not already addressed, please submit such inquiry in writing to: Specialized Loan Servicing LLC, . You may also contact Customer Care toll free at ###-###-####, Monday through Friday, 6:00 a.m. until 6:00 p.m., MT or TDD ###-###-####, Monday through Friday, 8:00 a.m. until 5:00 p.m., MT.

Initial Business Response /* (1000, 9, 2015/07/08) */
Dear [redacted],
This letter is in response to your case filed with the Denver Revdex.com ("Revdex.com") on June 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 29, 2015 regarding a lien release for the...

above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated May 18, 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
As previously explained in our May 18, 2015 correspondence, your request was sent to our Title department for further review. As this request requires extensive research this can be a lengthy process.
We have updated our records to indicate this loan is closed and was paid in full on July 2, 2015. Please use this letter as preliminary proof that this loan has been paid in full. Note that since this loan has just recently been paid in full, a copy of the lien release/Deed of Reconveyance has not yet been generated but this process is currently underway. It may take up to 90 days for us to receive a copy of the recorded release.
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 dissatisfied with our servicing of the account.
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.
Initial Consumer Rebuttal /* (3000, 11, 2015/07/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I had to go refinance this loan which cost me 300 dollars to get the lien released to sale the lot they had an illegal mortgage on and refused to release, funny how their records are so quick to update when they have been paid but not when you need a problem resolved, this company needs to be investigated. I for one have been seriously damaged by their lack of professionalism and inability to fix problems. If I don't have a release on my property sent to the Pulaski County Recorder within 30 days I will be notifying the attorney general's office. I know what they are doing is illegal. They received payment on July 2, then the release should be processed immediately not in 90 days. If I waited 90 days to pay them they would charge me late fees and report me to the credit bureau. DO YOUR JOBS!!!! Release this loan immediately
Final Business Response /* (4000, 13, 2015/07/24) */
Dear [redacted],
This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on June 19, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 29, 2015 regarding a lien release for the above-referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated May 18, 2015 and July 8, 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
Our records show that a release of mortgage was sent to the county to be recorded on July 18, 2015 after payment in full was received on July 2, 2015. It may take up to 90 days for us to receive a copy of the recorded release. We are unable to accelerate the county's recording process, and you may wish to contact the county directly for more information. We are unable to comment on the county's behalf.
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.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 11, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on July 11, 2016 regarding a fee for the above-referenced mortgage account.This account service transferred to SLS on June 1, 2016....

After review of your account, we have waivedthe $9.95 Western Union Convenience Fee (“WUCF”) for the June 1, 2016 payment as a courtesy. This account is contractually due for the July 1, 2016 payment in the amount of $2,718.27. We have encloseda copy of our payment history for this account along with the transactions codes.The WUCF can be avoided using our automated telephone system or website, provided the payment isarranged before the due date, or up to 4 days past the due date, otherwise there is a charge of $9.95 forthe WUCF at the time an automated phone payment or payment via our website is completed. Also,borrowers may send payments via the United States Postal Service with no additional fee howevermailed payments must be received before the end of the grace period to avoid any late fee.The enclosed Notice of Servicing Transfer dated May 26, 2016 gives you the offer to set up monthlyautomatic payment options as long as your account is current. You may also use the following paymentoptions: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 [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 February 21, 2018 and received by Specialized Loan Servicing LLC (“SLS”) on February 21, 2018 regarding the authorization for an interior appraisal for the above referenced mortgage account.   We requested this authorization on October 17, 2017. Our records reflect that we received your signed form dated February 9, 2018 as it was mailed.  Your authorization was not uploaded in our system until February 23, 2018.  We will reach out to you in order to set up and complete this appraisal. Once the valuation is complete, we can then review for Private Mortgage Insurance (PMI) removal. We appreciate your patience during this process.   We have researched your account and our records indicate that the authorization for an interior appraisal 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 a complaint filed with the Denver Revdex.com (“Revdex.com”) on August 1, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on August 1, 2016 to remove the escrow account for the above referenced mortgage account.Our records indicate that we have...

previously responded to a similar request regarding the escrowaccount on June 9, 2016. We have enclosed this letter for your records.This account service transferred to SLS on January 4, 2016. This account is currently escrowed forproperty taxes. According to our enclosed letter dated May 16, 2016 we are unable to remove the escrowaccount due to the negative balance in the escrow account and the loan to value ratio has not beenreduced to 80%. Our records show on March 30, 2016 we ran an escrow analysis and there was ashortage of $4,364.48 which we spread over 12 months with an escrow cushion of $708.12. We haveenclosed a copy of the last escrow analysis and payment history with our transaction codes for yourrecords.We have conducted a review and have not discovered any inaccuracies in the information we havereported to the credit bureaus. There has been no negative credit report sent to the credit bureaus. SLShas complied with your requests for information in accordance with both state and federal law. If youhave a specific dispute regarding the credit reporting information we have reported, please send us asigned letter detailing your dispute along with an unmarked copy of your entire credit report(s) to us at thecontact information above.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, 2015/06/24) */
Dear [redacted] and [redacted],
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 11, 2015 and received by Specialized Loan Servicing LLC ("SLS") on June 15, 2015 regarding loss...

draft funds for the above-referenced mortgage account.
After review of our records we have confirmed that the following funds have been sent to you:
Check number # XXXXXXXX in the amount of $ 11,502.50 was sent to you on May 1, 2015.
Check number #XXXXXXXX in the amount of $18,038.95 was sent to you on June 5, XXXXX.
If a property is damaged SLS monitors the insurance claim process to protect the property value and the investor's interest in the property. Therefore we require proof that the proper repairs have been completed before disbursing additional funds.
Our records show that we are pending for a 95% inspection of the home. Once this inspection is completed we can than release additional funds to you.
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.
Initial Consumer Rebuttal /* (3000, 8, 2015/06/29) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We started this claim in January. It took FIVE months for them to issue the first check and lots of begging and threatening of lawsuits for them to release the second check. At this rate we won't receive the third check until December. This is a crying shame that this company is allowed to do this to people all the while demanding their mortgage payment is made timely every month for a home no one can live in. Shameful. Absolutely shameful.
Complaint Response Date bumped because: Holiday

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 194, 2017 and received by Specialized Loan Servicing LLC (“SLS”) on May 224, 2017 regarding a lien release request on the above referenced mortgage account.   According to our records, you...

have filed a similar request with the Consumer Financial Protection Bureau (“CFPB”) on May 3, 2017 regarding the above issues.  This written request will be addressed along with the CFPB complaint.   We understand the account was included in a Chapter 7 bankruptcy that was discharged on September 15, 2009. 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.   We have researched your account and our records indicate that the lien release 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 [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 /[redacted]/
Dear [redacted] J. Brobeck,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 1, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 21, 2015 regarding a payoff quote for the above...

referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated May 12, 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 loan, please contact our Customer Care Department.
Our records indicate that the following payoff quotes were sent to you:
Payoff quote dated April 21, 2015
Payoff quote dated April 29, 2015
Payoff quote dated May 4, 2015
Payoff quote dated May 13, 2015
Copies of these payoff quotes 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 Note signed at closing. Therefore, we are unable to comply with your request to waive foreclosure fees assessed to the above referenced account and credit your account for three months, as payments are required to protect your interest in the property.
You have been assigned a relationship manager as your single point of contact. If Jacqueline (Teller ID # XXXXX) is unavailable, any of our agents will be able to assist you.
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.
Initial Consumer Rebuttal /[redacted]/
(The consumer indicated he/she DID NOT accept the response from the business.)
They faxed one payoff quote and that was on 5/4 as the title company and I have proof of that, see attached. I started asking for a payoff 2/6/2015. We never received a payoff quote previous. They only sent a regular statement with 206,750 left on the loan. When the payoff quote was received it was completely different. They faxed the payoff after I filed a complaint with Revdex.com. They finally sent one letter with a contact manager but that was 2 weeks ago after I already had to do a short sale. The attorney said not to respond because she is already negotiating the short sale. The modification was 3 times last year and they never responded. We knew the minute the payoff quote came we had to do a short sale. The attorney who is handling this said that SLS is completely unprofessional because they are playing catch up and it was because of the complaint I finally filed with Revdex.com. Also, payoff quote, which I have proof, had on $24 charge for one quote. If they had sent that many items I would have been charged more. SLS says one thing and does another. They say everything has been done correctly but they should have done the modification last year after the third set of paperwork or at least turned me down. They were asked for a payoff quote in Feb and I never received until May. They need to provide compensation and also approve the modification but that will not happen because now I am forced to short sale. They never once tried to work with me on this.
Final Business Response /[redacted]/
Dear [redacted] J. [redacted]
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 1, 2015 and received by Specialized Loan Servicing LLC ("SLS") on May 21, 2015 regarding a payoff quote for the above referenced mortgage account.
Our records indicate that we have previously responded to a similar request with our correspondence dated May 12, 2015 and May 27, 2015. Copies of these letters are enclosed for your review. 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 loan, please contact our Customer Care Department.
You indicated that you requested a payoff statement in February 2015 however our records do not validate this statement.
Furthermore, our records do not indicate that we have received any request for a loan modification or financial documents indicating that you are interested in pursuing a loan modification. Please provide us with a date this request was made so this matter can be researched further.
As previously stated, SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan Note signed at closing. Therefore, we are unable to comply with your request to offer you any compensation at this time.
You have been assigned a relationship manager as your single point of contact. If [redacted] (Teller ID # XXXXX) is unavailable, any of our agents will be able to assist you.
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.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on March 12, 2018 and received by Specialized Loan Servicing LLC ("SLS") on March 12, 2018 regarding the escrow account and fee on the above referenced mortgage account. This account service transferred to...

SLS on October 1, 2016. This account does not have an escrow account. Our records reflect that there are currently uncollected fees in the amount of $52.61 on this account. After review of our records, the prior servicer completed a tax payment and transferred over $54.00 as a negative escrow account balance. This is a valid fee and will not be waived or removed as it is due and payable. We have enclosed a copy of the prior servicer’s payment history and SLS payment history for your review and records along with our transaction codes. We have researched your account and our records indicate that the escrow account and fees 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.