Specialized Loan Servicing, LLC

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) on June 1, 2016 and received by Specialized Loan Servicing LLC (“SLS”) June 28, 2016 regarding credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to similar requests on February 23 and May 3,2016. We have enclosed these letters for your records.Our records reflect [redacted] is the primary borrower on this account and we understand that you didnot file for Chapter 7 Bankruptcy. This property was listed when he filed for bankruptcy and we mustfollow the legal guidelines for when a person files for a Chapter 7 Bankruptcy. There are no exceptions tothe rule because legally he is no longer liable for the debt even though you name remains on the note.Please accept our apologies for any confusion this has caused.According to our records this account is currently due for September, 2016 with a payment amount of$464.45.We have conducted a review and have not discovered any inaccuracies in the information we havereported to the credit bureaus. We last reported to the credit bureaus on October 2015 when the Chapter7 was discharged. SLS has complied with your requests for information in accordance with both state andfederal law. 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 creditreport(s) to us at the contact information above. As we have previously responded to your inquiries, weconsider these matters resolved.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking account. You are able to contact our Customer Caredepartment at the number listed below to obtain information regarding your account. Additionally, if youwould like to continue to make voluntary payments to the account to protect your interest in the property,you may use the following payment options:Pay online at www.SLS.net (for current accounts)Pay over the phone by calling [redacted]Pay by regular mail at [redacted]Pay by overnight mail at [redacted]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 a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because: The modification dated August 8,2012 supersedes, and makes null all other modification. The loan modification dated August 8,2012 makes no reference to the $12,204.99. The loan Modification dated August 8,2012 only states the $19,395.52 as the only capitalized amount.
Sincerely,
[redacted]

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onJuly 7, 2015 and received by Specialized Loan Servicing LLC (“SLS”) on April 11, 2016 regarding an outstanding fee for the above-referenced mortgage account.Our records reflect this account was paid off on September 11, 2015 and reflects a zero ($0.00) principalbalance. We issued you a refund in the amount of $1,610.00 on October 26, 2015 for the overpayment ofthe payoff funds.Our records reflect the fee in the amount of $84.00 was reversed on July 2, 2015 because it was aduplicate transaction. This was already credited on your account. We have enclosed a copy of thepayment history with our transaction codes for your records.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 as it has been paid in full. • 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 for the time we were the servicer is as follows:E*Trade Bank[redacted]Specialized Loan Servicing LLC (“SLS”) was the servicer of the loan on behalf of the investor correspondences made with the investor will be handled by SLS.In researching this account, we have found no errors. You have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for 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 ###-###-####, Mondaythrough Friday, 8:00 a.m. until 5:00 p.m. MT.

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on September 28, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and a dispute received on November 8, 2016 regarding fees on the above referencedmortgage account.Our records indicate that we have previously responded to a similar request regarding fees and paymentson October 12, October 20 with the Consumer Financial Protection Bureau (“CFPB”) on October 28, and November 4, 2016.As previously stated in our enclosed responses dated October 12 and October 28, 2016 thereinstatement quote explains the amount needed to reinstate the account and bring it current. Thereinstatement quote states that “other expenses” may be incurred. We did not receive the attorney billedservices regarding the attorney fees until after the account was reinstated. You can also contact SLS todiscuss what these fees were for.SLS adheres to all legal standards, including but not limited to the Real Estate Settlement Procedures Act(RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair Debt Collections PracticesAct (FDCPA), Home Ownership and Equity Protection Act (HOEPA) and all other state and federal lawsand regulations in reference to the servicing of the mortgage account. We have reached out to you andleft a message on November 8, 2016 regarding the fees.Our position regarding your requests has not changed. The additional fees from the delinquency can bepaid over several months but will not be removed. Please note that SLS has complied with your requestsfor information in accordance with both state and federal law and we consider this matter resolved. If youshould have any additional questions concerning your loan, please contact our Customer CareDepartment.This account is contractually due for the November 1, 2016 payment in the amount of $2,839.51 with atotal amount due of $4,224.83 (this amount includes all outstanding fees).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.

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]

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) dated July 8, 2016 and received by Specialized Loan Servicing LLC (“SLS”) on October 3, 2016 regarding payments and credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to similar requests for payments and creditreporting on July 19, July 28, and August 5, 2016. We have enclosed these letters for your records.After review of your account with our escrow and cashiering departments we identified that there was anescrow payment that was changed incorrectly on May 1, 2016. This is most likely why the payment washigher than the $2,755.99 listed on the April 1, 2016 statement. As of the date of this letter we arecurrently in the process of updating your account for this payment and will follow up with you once thishas been completed. We apologize for any confusion or inconvience this may have caused.We have submitted an online update on July 26, 2016 to all credit reporting agencies to update yourinformation for the payment reported for May 1, 2016 as current. We have already waived the fees in theamount of $332.94 on June 6, 2016 for the May 1, 2016 payment. A copy of the payment history for thisaccount is enclosed with the transaction codes.This account is currently due for the November 1, 2016 payment in the amount of $3,191.48.If you have any questions regarding this information, please contact Customer Care toll free at [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Complaint: [redacted]
I am rejecting this response because:   You have to open all of the documents to show the Proof of Payment .  Why would I attach blank Proof?    Note that I sent the Proof of Payments again on 3/15 and 3/16. Open those. Per Chase:  the Proof I sent  should be sufficient as a Proof of Payment is not generated until the business cashes the check.  You should not have to request my very personal unedited bank statements.  However, on 4/11 - to clear this nightmare up,  I have also faxed my PERSONAL  unedited bank statements.  Find the payments and post them so that I can get my account paid for.This is my 14th contact with your business.  What does it take to clear this up?Also, why can't anyone answer me on what has changed?  I have used Chase Bill Pay for these payments since September 2014?  All of a sudden, the payments can't be applied using the SAME Chase Bill Pay?This is ruining my credit.  Find my payments and apply them so I can pay Jan, Feb, March and now April and get current.  A record of all contact and issues is below.  




I have been using Chase Bill Pay to pay
Specialized Loan Servicing as far back as 9/30/2014 with no issues. 


Septebmer 2015
Received notification of a possible loan modification but am NOT
interested in modifying the loan


10/19/2015
Sent in October's payment using Chase Bill Pay


10/20/2015
Have POD from Chase Direct Pay that October payment received


11/1/2015
Saw that my loan was past due so
I called.  I was told that my payment
changed.  I explained that I had made
the payment.  


11/13/2016
Sent in November's payment using Chase Bill Pay


11/16/2016
Have POD from Chase Bill pay that November  payment received 


12/1/2015
Saw that my loan  was still past
due so I sent in proof of payment for October and November loan


12/15/2015
Sent in December's payment using Chase Bill Pay 


12/16/2015
Have POD from Chase Bill pay that December payment received 


1/1/2016
did not hear anything back


2/19/2016
sent in January's pyament using Chase Bill Pay


2/20/2016
Notified via Chase Bill Pay that SLS refused my payment


2/23/2016
Called to see why the payment
was refused.  Told that my loan was too
far past due.  I explained that I had
sent the Proof of Payments in twice. 
Told to resend


3/9/2016
Called again.  Told to send in
proof of payment for October 2015, November 2015 and December 2015


3/9/2016
Submitted complaint with Revdex.com


3/31/2016
SLS told Revdex.com that they have received the complaint and need more time


3/15/2016
Called to see if the POD had been received.  Was told they have October but not November
or December


3/16/2016
Resent POD


3/22/2016
Received a call back from SLS
(the 1st one)  and told that they have
received the Proof of Payments but it's still being researched by Cash App.
Their target completion date is 3/31


3/31/2016
I called back as it's the Target Completion Date and told that it's still
"being researched"


4/4/2016
Called back and asked for
status.  Told that Cash App still
"is researching" and asked to speak to a supervisor.  Told none was available.  Asked [redacted] what do I do now as this is
adversely affecting my credit.  I  am ready to pay January, February, March
and April.  Per [redacted] "Right now
we are waiting for an update.  You can
go ahead and attempt to send them in again but the account is still showing
past due.  The payments may be
rejected.  Wait until we conduct our
research.  I asked when the next target
completion date was and she said she didn't know.  


4/4/2016
Asked to speak to Cash app - per [redacted] "They don’t' talk on the
phone"


4/4/2016
11:53am  Per [redacted] a Supervisor would get back to
me in 24-48 hours


4/6/2016
12:17pm - have not received a call back. 
Emailed Supervisors. 


4/6/2016
2:0pm received a call back.  Told that Chase Proof of Payment  is not sufficient and it does not contain
proof that they received the check.  I
must provide bank statements.  When I
said I preferred to send an alternate POD - they suggested that I call
Chase. 


4/6/2016
Called Chase.  Chase said the POD provided is proof as
this is not generated until the vendor cashes the check.  I asked if I could have copies of the check
and they said it was not available


4/6/2016
Now waiting for supervisor to
call me back after she checks with cash app


4/15/2016
Still no call from the
supervisor so I called them back

Sincerely,
[redacted]











10/6/2016

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) andreceived by Specialized Loan Servicing LLC (“SLS”) on December 28, 2016 regarding the application ofpayments, interest, and credit reporting on the above-referenced mortgage account.With regard to your...

concerns about the application of payments, a review of SLS’ payment historyindicates that corrections were completed on August 10, 2016, August 19, 2016, November 10, 2016, andJanuary 5, 2017. As of the date of this correspondence, all payments have been verified as applied tocurtailment as intended, effective with the date the funds were received. A copy of the SLS paymenthistory with transaction codes is enclosed for your reference. As the payments were applied effective thedate they were received, SLS has verified that the calculation of the interest is correct.With regard to your concerns about the automatic payment, a review of SLS’ records indicates theenclosed letter dated December 18, 2016 was sent advising that preauthorized electronic transfers willbegin with the January 1, 2017 contractual monthly payment. You selected the 10th day of the month to draft your payments. Our records indicate the automatic monthly payment is still active for your account.With regard to your concerns about credit reporting, a manual update was submitted to the creditreporting agencies on January 11, 2017 indicating the December 2016 contractual monthly payment aspaid as agreed. This update will be received by the credit agencies within 72 hours; however, it may takeup to 60 days for them to update their records and for this to appear as official reporting. Please use thisletter as verification of this correction. We regret the inconvenience this has caused.In order to ensure additional payments to the unpaid principal balance are posted to the account as youintend, please send the coupon and payment (or a separate check with “Additional Principal Only” or“Curtailment” in the memo line) directly to SLS’ office in Highlands Ranch. Please address as follows:Specialized Loan Servicing, LLCAttn: Cashiering[redacted]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.

Initial Business Response /* (1000, 19, 2015/11/25) */
This letter is in response to your dispute filed with the Denver Revdex.com ("Revdex.com") on October 9, 2015 and received by Specialized Loan Servicing LLC ("SLS") on October 12, 2015 regarding a loan modification and foreclosure on the...

above-referenced mortgage account.
Our enclosed letter dated October 8, 2015 reflects that you were denied for a modification. The scheduled foreclosure sale date was less than 37 days from the date we received your request. We were unable to cancel or postpone the sale to evaluate your request for a foreclosure prevention option.
Our records indicate that the foreclosure sale date has been set for October 30, 2015. We have confirmed that the account does not qualify for a foreclosure hold at this time.
According to our records your Chapter 7 Bankruptcy was discharged on August 17, 2015. 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.
This account is paid through February 2010 in the amount of $4,361.47 with a principal balance of $677,820.44 (this is not a payoff quote).
In researching this account, we have found no errors. You have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above.
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. Financial information and other documentation can be forwarded by mail, fax, or email as follows: [redacted] XXXXXX [redacted] XXXXX, Fax: X-XXX-XXX-XXXX, Email: [redacted]. Please include the ten-digit loan number on all correspondence.

Complaint: [redacted]
I am rejecting this response because:
I have looked over the “corrected”  Escrow Account Disclosure Statement dated 1/17/2017 and find that it is still inaccurate. As it does not project January's Escrow payment, as the previous statement did leaving the...

"beginning balance" and all other additions and subtractions in error. There are other errors in the statement dated 1/17/2017.  At this point, I no longer trust SLS to manage my escrow account and they were notified both verbally and via email, as instructed, on 1/18/2017, that I will pay my property tax and home-owners insurance on my own. After careful review of my original loan documents, it appears that I am under no obligation to have an escrow account, only to have home-owners insurance and to be current on the property tax payment. SLS was notified of the following on 1/18/2017: This email is to advise you to cease including an escrow payment amount with my monthly mortgage payment. As of today,1/18/2017, you are declaring that my escrow account has a shortage of $48.38. There is currently $51.10 in unapplied funds in my account to cover that amount. An image of my transaction history verifying that $51.10 in unapplied funds was included in the email. I would advise anyone dealing with SLS to carefully review all statements received from SLS as the "errors" that SLS have made with my simple escrow seem difficult to make, leaving me to believe this deception is intentional. It appears, from a simple [redacted] search, that SLS is dealing with lawsuits in ** and ** for similar situations. I also advised SLS that I have requested that the ** Attorney General's Office look over this situation since the Revdex.com is not a law enforcement agency. After reading SLS's response to the Revdex.com, It is still my belief that SLS is, at best, careless with customers mortgages and at worst a fraudulent company. Additionally, as you noted in your response the State of ** requires that you attach a copy of my note with signature. I have noticed that the note that you attached to your response to the Revdex.com belongs to a couple in **, not my note. This attempt of deception is unlawful and gives additional cause to follow up with an actionable, enforcement office and should give cause to the Revdex.com to degrade your rating. Regards,
[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 correspondences dated July 22, 2015 and August 5, 2015 . Enclosed is a copy of the letter for your reference. Please note that Specialized Loan Servicing LLC ("SLS") has complied with your request for information in accordance with both state and federal law. As such, we consider this matter resolved. If you should have any additional questions concerning your client's loan, please contact our Customer Care Department.
Our records confirm that a copy of the Deed of Trust was enclosed with our correspondence dated August 5, 2015 and was sent to you at the address we have on file for you. As a courtesy, we have once again enclosed a copy of the Deed of Trust 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.
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.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on September 26, 2017 and received by Specialized Loan Servicing LLC ("SLS") on September 26, 2107 regarding your billing statement and payments on the above-referenced mortgage account. As advised in the...

enclosed Notice of Servicing Transfer, SLS began servicing your loan on July 24, 2017; however, SLS does not own the loan. SLS is a third party contracted by your investor to service this loan by the terms of the original loan documents. At the time of service-transfer, your account reflected due for the September 1, 2017 contractual obligation. The billing statement dated July 24, 2017 reflected a zero amount due because your prior servicer had received your payment for August 1, 2017, and no payment was due until September 1, 2017. On September 27, 2017 we received $2,232.90 which satisfied payment for September, 2017. The account is due next for the October 1, 2017 contractual obligation of $2,232.90. Your payment history is enclosed. SLS holds all credit reporting for the month in which the transfer occurs, as well as two (2) additional months thereafter to allow for the resolution of interim payment issues associated with the transfer. We have not reported to the credit bureaus for this loan. Please note that after October 5, 2017, SLS will no longer collect your payments, as the account will have been service-released to [redacted]. Enclosed is SLS’ notice of this service-release. While we are sympathetic to your concerns about service-transfer, please note that SLS services this account by the terms of your Note and Mortgage, which allows for the transfer of servicer (and sale of loan) at investor discretion. This account is currently due for the October 1, 2017 payment in the amount of $2,232.90. We have enclosed a copy of the payment history with our transaction codes for your review and records. We have reviewed the telephone calls on this account and will use them as training opportunities for our representatives. SLS strives to ensure courteous and quick 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, and we regret to hear you were dissatisfied with the servicing of your account. On September 27, 2017 a member of our Executive Services team reached you by telephone, at which time you indicated your concerns had been addressed. We have responded regarding the servicing errors alleged on the account. 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. If you have any questions regarding this information, please contact Customer Care toll free at [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted], Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

Dear [redacted],
This letter is in response to 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 escrow was forced on the above-referenced account due to delinquent flood insurance. However, escrow was removed from your account and the funds that were forwarded to the insurance company on your behalf were billed to your account as an ancillary fee. As such this fee remains valid and cannot be waived.
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.

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on February 16, 2018 and received by CMC on February 16, 2018 regarding the double Automatic Draft Payments ("ACH") for the above referenced mortgage account. On January 2, 2018 you received our...

confirmation letter regarding setting up your account for ACH to begin in February 2018 to draft on the 14th day of each month for $2,142.19. Our records reflect that on February 14, 2018 we drafted a double mortgage payment in the amount of $4,284.38. This was unfortunately due to a CMC system malfunction. On February 20, 2018 we sent a refund back to you in the amount of $2,142.19. On February 21, 2018 the ACH was canceled. We received your telephone call as you received our refund check and we advised it was due to a double payment. If there were any additional costs to you, they will be reimbursed. We would need the documentation to support this. We were informed that you had put a stop pay on $2,142.19 with you financial in institution because your account was over drafted due to this issue. On February 27, 2018 you informed us that you deposited the check we sent you and we then took a speed payment in the amount of $2,142.19 to apply to the February 2018 monthly payment. This account is currently due for the March 1, 2018 payment in the amount of $2,142.19. We have enclosed a copy of the payment history with our transaction codes for your records. Please accept our apologies for any inconvenience this has caused. 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 CMC in reaching the determinations communicated in this letter by contacting us at the number below, but please note that CMC has already enclosed them for your reference. If you have any questions regarding this information, please contact CMC Customer Care toll free at 1-866-391-3070, 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. CMC accepts calls from relay services on behalf of hearing impaired borrowers.

Complaint: [redacted]
I am rejecting this response because: As you can see from SLS' own response, additional principle payments were not applied the month paid. Holding additional principle payments to satisfy future monthly "obligation"/payments results in additional interest charges.  SLS...

did not address their business practice of applying my final payment made 10-24 to an "escrow account" that didn't exist.  This resulted in additional interest charged as well.  SLS provided a historical review which proved my point.
Sincerely,
[redacted]

Complaint: [redacted]
I am rejecting this response because:IT IS NOT ACCURATE. I have attached my reply to the Revdex.com with regards to the above which further details my findings.
Sincerely,
[redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on February 14, 2018 and received by Specialized Loan Servicing LLC (“SLS”) February 14, 2018 regarding the escrow account, credit reporting, and fees for the above-referenced mortgage account.   Our...

records reflect that on July 3, 2017 we notified you that we had received notice of cancellation or non-renewal of your insurance policy.  On July 5, 2017 we sent a follow-up letter advising that we intended to buy coverage on your behalf if we did not receive proof of your policy. This letter indicated an approximate premium amount of $1,827.00.  On August 7, 2017 we send a second and final notice of our intent to purchase insurance on your behalf.   As advised, on September 8, 2017 we purchased a hazard insurance policy on your behalf. .  We conducted an escrow analysis on September 8, 2017 and notified you of the purchase on September 14, 2017.  The force-placed insurance increased your payment to $1,184.02 from $934.89, effective November 2017.   On September 25, 2017 we spoke with an agent from Diamond State Insurance who advised us of your effective policy. On September 25, 2017 we notified you that we canceled the force-placed policy, and on September 28, 2017 we received a refund of $1,827.00. On October 6, 2017 we completed a new escrow analysis that reflected a surplus of $322.00.  You were refunded this amount by check.  Your new payment of $879.77 was to become effective on December 1, 2017.  Payments until December, 2017 were $1,184.02, as reflected in the previous analysis.   On November 1, 2017 we received $950.00; however, the payment due that month was $1,184.02.  As such, this partial payment was held in suspense.  On December 4, 2017 we received $1,000.00.  This was combined with the funds held in suspense to satisfy the contractual obligation for November, 2017. A late fee of $36.96 was assessed. Surplus funds of $765.98 were held in suspense. Accordingly, the payment for November was reported as more than 30 days’ past due.   On December 13, 2017 we received $150.75 which was combined with the funds held in suspense to satisfy the contractual obligation for December, 2017 and the late fee of $36.96.   On December 1, 2017, we issued a stop-payment order on the surplus check of $322.00. These funds were reapplied to your escrow account.  On December 21, 2017 we conducted a new escrow analysis, which reflected a surplus of $12.94.  Effective February 1, 2018 your payment became $878.70.   On January 9, 2018 we received $950.00, which satisfied the contractual obligation or January, 2018. Surplus funds of $70.23 were applied as principal reduction.   On February 6, 2018 we received $1,000.00, which satisfied the contractual obligation for February, 2018. Surplus funds of $121.30 were applied as principal reduction.                 On February 28, 2018 we reversed payments to November, 2017 in order to waive the late fee collected on December 13, 2017. Subsequent payments were applied as follows:   $879.77 to December, 2017 contractual obligation and $36.96 to principal reduction$879.77 to January, 2018 contractual obligation and $70.23 to principal reduction$878.70 to February, 2018 contractual obligation and $121.30 to principal reduction. The account is due next for the March 1, 2018 obligation of $878.70,   Regarding credit reporting, as indicated in our enclosed response dated February 9, 2018 we completed a one-time courtesy update to the credit bureaus for the late payment in November 2017.  Typically, the updates are received within 72 hours; however, it may take  up to 60 days for the credit bureaus to update their records with this information.    SLS does not agree to the financial compensation indicated in your qualified Written request (QWR).   We have researched your account and our records indicate that the escrow account, credit reporting and fees described in your dispute were not in error. We trust that we have responded to your concerns.  You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference.   If you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD 1-800-268-9419, Monday through Friday, 8:00 a.m. until 5:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) onNovember 7, 2016 and received by Specialized Loan Servicing LLC (“SLS”) November 7, 2016 regardingcredit reporting for the above referenced second mortgage account.SLS is a third party...

servicer, contracted by the investor to service this loan per the terms of the originalloan documents. We have enclosed a copy of the Note that lists the terms of this agreement in the firstparagraph. Additionally, letters reminding of the maturity date of the loan were sent in March, May, andJune, 2016. The last two of these letters are enclosed.The enclosed letter dated August 31, 2016 reflects that we were unable to offer you a retention option.The reasons for denial for each program as well as the information used in underwriting are outlined inthis letter. Our records reflect we received the funds in the amount of $15,199.40 and this account waspaid off on November 9, 2016 and reflects a zero ($0.00) principal balance. If it is determined that there isan overpayment, it will be refunded to you. A copy of the lien release will be recorded with the countywithin 90 days.This account was reported last on October 10, 2016 for September, 2016. At the time of reporting theaccount was 90 days’ past due. Credit has not been reported yet for October due to the outstandingQualified Written Request. Based on this information, there are no inaccuracies in the information wehave reported to the credit bureaus. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS isrequired to report payments accurately as they were received; therefore, credit cannot be corrected as acourtesy.In researching your account, we have found no errors. You have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted]
[redacted], Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted] Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Specialized Loan Servicing LLC (“SLS”) has received your dispute regarding the above referenced mortgage account.  Your dispute with the Denver Revdex.com (“Revdex.com”) is currently under review for the following reason:   Additional research is required to ensure that all of your concerns are being addressed. We realize the urgency of your inquiry and we appreciate your patience.  We will have a response issued to you within the next fifteen (15) business days.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on April 4,2016 and received by Specialized Loan Servicing LLC (“SLS”) on April 5, 2016 regarding the loanmodification for the above-referenced mortgage account.Our records indicate that we have previously...

responded to a similar request for a loan modification onNovember 23, 2016. We have enclosed this letter for your records.Our enclosed letter dated February 26, 2016 states that we have denied the modification offer becauseon February 24, 2016 you notified us that you did not choose to accept that offer. Enclosed for yourreference is a reinstatement quote, dated April 6, 2016 that is good until April 13, 2016. This document istime sensitive. We show the foreclosure sale is scheduled on April 26, 2016.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 ###-###-####, Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT. Financial information and other documentation can be forwarded bymail, fax, or email as follows: [redacted], Fax: ###-###-####, Email:[redacted]. Please include the ten-digit loan number on all correspondence.