Specialized Loan Servicing, LLC

This letter is in response to a rebuttal of the original complaint filed with the Denver Revdex.com ("Revdex.com") on October 31, and received by Specialized Loan Servicing LLC ("SLS") on November 16, regarding a loan modification for and payments not applied to the above-referenced mortgage accountOur records indicate that we have previously responded to similar requests regarding loss mitigation options and modification documents on October 27, November 7, and with our Revdex.com response on November 14, We are unable to review your account to determine what programs, if any, you may qualify for until we are in receipt of a complete financial package with all supporting documentation and informationAt the direction of our underwriting department, we have requested and still need a signed and dated profit-and-loss statement listing all income and expenses in order to have a complete package to review for a loss mitigation optionIncome indicated in your Request for Mortgage Assistance and/or tax returns must be validatedIf income is no longer received, further explanation may be requiredIf you wish self-employment to be considered, we require a signed and dated profit-and-loss statement for the most recent quarterYour payment in the amount of $3,was received on September 14, Your personal check was returned, as it was insufficient to reinstate your accountIn our November 17, letter we responded to your concerns regarding repayment of the loan as follows: It is unclear when you were advised that we did not offer a repayment planIn some cases, repayment may be an option; however, all offers are made at the discretion of your investor after a review is completedConcerning the document resubmissions noted, there are certain requirements that must be met before the account can be evaluated for loss mitigation assistanceA review of the received financial documents has determined that some of the documents received were the correct document but were missing certain validationsLoss mitigation guidelines require certain information, signatures and marking/identification for validation of various documentsIf the documents we receive lack the necessary validation elements, they cannot be accepted, and the loss mitigation application remains incompleteWe have researched your account and our records indicate the loss mitigation requirements described in your dispute were not in errorWe trust that we have responded to your concernsYou 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 referenceAs part of the loss mitigation process, our records reflect that [redacted] (Teller ID #***) has been assigned as your Single Point of Contact ("SPOC")She is available to discuss possible options and any questions you may have concerning the financial information package or the review process, including appealWe encourage you to contact the Customer Resolution Department by calling 1-800-306-Monday through Friday 6:a.mto 9:p.m(MST) or Saturday 6:a.mto 12:p.m(MST)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 November 28, and received by Specialized Loan Servicing LLC (“SLS”) on November 29, regarding payments on an accountAt this time we are unable to locate an account number affiliated with SLS with the information you have provided to accurately respond to your request Please provide an account number for SLS to review your requestIf you submitting a complaint for another person on their behalf, you will need to be an authorized party on the accountIf you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on May 3, and received by Specialized Loan Servicing LLC (“SLS”) on May 17,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 5and May 12, We have enclosed these letters for your records.When a dispute is received, credit reporting is placed on hold while we research and construct ourresponseCredit reporting for this account has been place on hold due to the written requests that wehave receivedOnce credit reporting is turned back on after the resolution of your dispute we will be ableto report the account’s current statusAs a onetime courtesy, on May 23, we have sent a manualupdate to the credit bureaus to reflect that is account was paid off and now is a zero balanceTypically,the updates are received within hours however; it may take approximately 45-days for the creditbureaus to update their records with this informationIf your credit report continues to reflect inaccurateinformation after that time you will need to dispute the reporting directly with the credit reporting agencies.In accordance with the Fair Credit Reporting Act (“FCRA”), SLS is required to report payments accuratelyas they were received, therefore, credit cannot be altered as a courtesyPlease note that SLS hascomplied with your requests for information in accordance with both state and federal law.In researching your account, we have found no errorsYou 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:a.muntil 6:p.mMT or TDD [redacted] , Monday throughFriday, 8:a.muntil 5:p.mMT

Dear [redacted] * [redacted] , This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on December 5, regarding periodic statements and account information on the above-referenced mortgage account (the “account”) We understand the account was included in a Chapter bankruptcy that was discharged on October 8, 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 January 1, contractual monthly payment With regard to your request for information regarding the account, SLS’ records indicate your prior servicer sent you a letter dated September 29, (a copy of which is enclosed) advising the servicing of your mortgage loan was being transferred to SLS effective October 16, SLS sent you a letter dated October 23, (a copy of which is enclosed) advising SLS will collect your voluntary payments going forward The October 23, letter advised your SLS loan number is [redacted] , as noted above With regard to your request for periodic statements, as noted above SLS’ records indicate the account was included in a Chapter bankruptcy that was discharged Accordingly, SLS requires the Periodic Statement Authorization Form (a copy of which is enclosed) to be executed and returned to SLS in order to provide you with periodic statements We have researched your account and our records indicate that the periodic statements and account information issues as described in your dispute were not in errorWe 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:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMT SLS accepts calls from relay services on behalf of hearing impaired borrowers

Initial Business Response / [redacted] (1000, 18, 2015/11/25) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 9, 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, 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,These funds were applied to the account and were back dated and posted on the original date received on June 30, This account is current and up to dateWe 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:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

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 someoneWhy 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 paymentsNOWHERE 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]

Complaint: [redacted] I am rejecting this response because: This company does not understand bankruptcy laws and I will resolve this issue with them in the bankruptcy court Sincerely, [redacted]

This letter is in response to your complaint filed with the Denver Revdex.com ("Revdex.com") on March 14, and received by Specialized Loan Servicing LLC ("SLS") on March 21, regarding fees on the above-referenced mortgage accountWe understand the account was included in a Chapter bankruptcy that was discharged on October 13, SLS is obligated under federal bankruptcy law to comply with the requirements of the mandatory discharge injunctionAccordingly, 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 dischargedFor your information, the account is currently due for the April 1, contractual monthly paymentOur records indicate that we have previously responded to a similar request regarding the application of payments, credit reporting, and fees on March 7, We show on December 28, there was a fee billed from the prior servicer in the amount of $due to a Brokers Price Opinion ("BPO") that was completed on November 28, As disclosed in the March 7, response, on January 30, we billed your account $for a BPO completed on December 22, in order to review the removal of the Private Mortgage InsuranceIt seems that there were duplicate charges for the same BPO fee of $On March 14, we removed the BPO fee charged on January 30, in the amount of $(balance still showing due) with $that was applied to ‘curtailment’ (reduction of the Unpaid Principal Balance)We have enclosed a copy of the payment history with the transaction codes for your review and recordsWe apologize for any confusionIn compliance with the laws set forth by the state of Washington, included is the following information: ? This account is currently due for the April 1, payment in the amount of $? The current principal balance is $121,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,Note holder contact information: [redacted] , as Trustee for the benefit of the Seasoned Credit Risk Transfer Trust, Series [redacted] SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLSWe have responded regarding the errors alleged on the account and the corrections made to the account, as applicableWe trust that we have responded to your concernsYou 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 referenceIf you have any questions regarding this information, please contact Customer Care toll free at 1-800- 315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

Complaint: [redacted] I am rejecting this response because: Sincerely, [redacted] SLS Mortgage Company refuses to justify foreclosure fee's they have added to our account in the amount of $1,We keep getting the same response a generic NO ERRORS FOUND? We have never received foreclosure file (which was never done) from a THEIR Lawyer [redacted] who they hired in reference to this matter, who's fee was $for just sending us a cent letter STATING "a date due and MAY commence in a foreclosure" that date was meet, we paid in full $15,the past due ON TIMEThis is not our reasonable to pay a attorney YOU hired for a warning letter not a foreclosure letter! Not to mention you added another $dollars on top of the Lawyer fee for NO reason to our accountYou keep mention FedActs/Laws that is for a foreclosure not a letter stating a payment is due by a certain dateWe settled the debt immediately with (you) this company and this seems to have a greedy smell and most likely happening to other clientsWe are requesting these fee’s to be REMOVED $1,by SLS Mortgage Services from our billThe CFPB and Federal Reserve have also been contacted and all have sent you notice's, they have not rejected our complaint, which we hope you understand that this is a ligament complaint and should be taken seriously.Thank You [redacted]

Dear [redacted] , This letter is in response to a rebuttal filed with the Denver Revdex.com (“Revdex.com”) on November 10, and received by Specialized Loan Servicing LLC (“SLS”) on November 13, regarding an extension request on the above-referenced mortgage account Our records indicate we have previously responded to your concerns with the enclosed letter dated November 8, SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with usPlease understand that we handle all borrower comments and concerns with the utmost considerationWe 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 applicableWe 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:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT SLS accepts calls from relay services on behalf of hearing impaired borrowersTell us why here

This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on December 22, and received by Specialized Loan Servicing LLC ("SLS") on December 23, regarding credit bureau reporting for the above referenced mortgage account Our records reflect we responded to a similar inquiry with our response dated August 24, Please see below for the previous response information provided: SLS began servicing the account on February 1, You indicate "'no reporting of past payments to all three credit bureaus' for months February, March, and April of 2015." Please be advised that during the sixty day period following the effective date of service transfer SLS does not report to the credit agencies Additionally, the credit reporting for this loan is placed on hold while we research and construct our written responseOnce our response is issued we resume our credit reporting activities After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accuratelyPlease note that SLS has complied with your requests for information in accordance with both state and federal lawAs such, we consider this matter resolvedWe have enclosed a copy of the previous correspondence for your records If there is a specific item on your credit reporting that you are disputing, please provide our office with a signed letter detailing your dispute along with an unedited copy of the credit reportOnce this information is received, we will review the matter further In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT

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

Initial Business Response / [redacted] (1000, 5, 2015/06/16) */ Dear [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 2, and received by Specialized Loan Servicing LLC ("SLS") on June 5, regarding payments made on the above-referenced mortgage account SLS is the current servicer of the mortgage loan, which was transferred to SLS for servicing on December 2, A copy of the welcome letter sent to you notifying you of the transfer is enclosed for your review Our records show that [redacted] was added to the account as an authorized third party on June 1, [redacted] will be able to receive and/or provide information concerning the above referenced accountHowever, we do not have a mailing address listed on file for [redacted] , please contact us at the number listed below so that we can updated our records accordingly Due to the delinquency on the account, payments that are less than the amount needed to bring the account current cannot be acceptedTherefore, we were unable to set up Automatic Clearing House (ACH) withdrawals for your monthly payments Although we have received funds for the account payments have not been made in the full amount necessary to reinstate the accountA reinstatement quote which details the amount needed to bring the account current and stop the foreclosure activity currently present on the account is enclosed for your review In researching this account, we have found no errorsYou 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:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Initial Consumer Rebuttal / [redacted] (3000, 7, 2015/06/20) */ (The consumer indicated he/she DID NOT accept the response from the business.) As of June 1, I was not added as an authorized person, this came from within your company, customer service supervisor named StevenThat was the reason for me to file the complaint with the Revdex.comI cannot believe You have my full name and no contact informationYou have not only my physical address, you also have a telphone number and email addressI do not see how you found no errors Final Business Response / [redacted] (4000, 9, 2015/07/08) */ Dear [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 2, and received by Specialized Loan Servicing LLC ("SLS") on June 5, regarding payments made on the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondence dated June 16, Enclosed is a copy of the letter for your referencePlease note that Specialized Loan Servicing LLC ("SLS") has complied with your request for information in accordance with both state and federal lawAs such, we consider this matter resolvedIf you should have any additional questions concerning your client's loan, please contact our Customer Care Department The most recent reinstatement quote was sent to the Estate of [redacted] on June 24, However, as this quote expired on July 6, 2015, we are ordering a new quote, which will be sent under separate cover In researching this account, we have found no errorsYou 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:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) on May 25, and received by Specialized Loan Servicing LLC (“SLS”) on July 5, regarding payments for the above referenced mortgage account.Our records indicate that we have previously responded to a similar request for payments, credit reportingand late fees on June and June 15, We have enclosed these letters for your records.SLS is a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documentsWe cannot change the terms of the original note signed at origination.Our records reflect that you contacted our representatives on May 25, and completed an on linepaymentAt this time we reversed and waived the late fee in the amount of $as a courtesy for theMay 1, payment dueAgain, there were no negative reports to the credit bureaus on this accountsince it service transferred to SLS on February 1, You can send in a payment bi-monthly if youwish but our system will not post a full contractual payment until we receive the full contractual amount.We apologize for any inconvenienceWe understand you had requested a payoff and we have encloseda copy that was sent to an authorized third party for your records.You requested a phone call to discuss your account and setting up automatic payments in your lastcorrespondenceOur records show that we contacted you from our executive department on July 1,and you refused to discuss your account or any questions you had with our representatives forassistance and hung upAt this time if you wish to discuss your account, you will need to contact us atour telephone number listed below.In researching your account, we have found no errorsYou 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:a.muntil 6:p.mMT or TDD [redacted] , Mondaythrough Friday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 13, received by Specialized Loan Servicing LLC (“SLS”) on August 9, 2016regarding a mortgage payment and late fees for the above referenced second mortgage account.In order to research a payment dispute we require unaltered bank statementsWe regret thisinconvenience to you.Our records indicate that we have previously responded to similar requests regarding payments and latefees on July and August 4, We have enclosed these letters for your records.We have updated your account for payments and removed the late chargesThere is nothing else forSLS to updateSLS adheres to all state and federal guidelines in reference to the servicing of themortgage loanAs such, we consider this matter resolved and closed.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Mondaythrough Friday, 8:a.muntil 5:p.mMT

This letter is response to a complaint filed from your clients with the Denver Revdex.com (“Revdex.com”) on May 31, and received by Specialized Loan Servicing LLC (“SLS”) on June 1, regarding a payoff on the above-referenced mortgage accountA copy of the correspondence is enclosed for your reviewWe have enclosed a copy of the payoff quote requested dated June 7, that expires on June 16, The total amount to pay off this account is $27, In compliance with the laws set forth by the state of North Carolina, enclosed is the following information: • This account is paid through the July 1, with a voluntary payment in the amount of $and each month that became due thereafter.• The current principal balance due is in the amount of $24,979.03.• There is $being held in a suspense account.• The escrow balance as of today is -$1, This is an escrow shortage Note holder contact information: [redacted] [redacted] *** Enclosed is a copy of your signed Note as well as your payment history for the above referenced loan SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLSSLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic StayThis information is provided in response to your request and does not constitute a demand for payment In researching this account, we have found no errorsYour clients’ 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 their reference as outlined above If you or your clients have any questions regarding this information, please contact Customer Care toll free at ###-###-####, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.mMT

(The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this explanation as I did contact the telephone number provided and I was told by the representative that they did not have any information related to me and I even provided my social security number for them to locate meI am requesting a copy of the documents referenced in this responseWho is the actual creditor that can provide me with a copy of the paperwork? As I mentioned I have not resided at that address since February and its an ex-friend that has been residing there with the new spouseI only just learned that this is in foreclosure and no one will provide me any documents

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 3, and received by Specialized Loan Servicing LLC (“SLS”) on May 3, regarding credit reporting on the above-referenced second mortgage accountOur records indicate that we have previously responded to a similar request for credit reporting on May 5, We have enclosed this letter for your recordsIn 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 courtesyPlease note that SLS has complied with your requests for information in accordance with both state and federal lawIf 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 reportOnce this information is received, we will review the matter furtherOur records reflect this account was paid off on March 18, and reflects a zero ($0.00) principal balance On April 4, we sent you a refund check in the amount of $for interest that was overpaid We have enclosed a copy of the Verification of Mortgage and the recorded lien release for your recordsWhen a dispute is received, credit reporting is placed on hold while we research and construct our responseCredit reporting for this account has been place on hold due to the written requests that we have receivedOnce credit reporting is turned back on after the resolution of your dispute we will be able to report the account’s current statusPlease allow 60-days for an update to be sent to the credit bureausIn researching your account, we have found no errorsYou 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 aboveIf you have any questions regarding this information, please contact Customer Care toll free at ###-###-####, Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on March 14, and received by Specialized Loan Servicing LLC (“SLS”) on April 23, regarding payments and credit reporting on the above-referenced mortgage account We understand that attempted to complete a telephone “Speed Pay” payment on this account and that the payment did not complete due to the account’s having been incorrectly noted with bankruptcy information The information on the account would have caused the payment to reject The erroneous information has been removed from your account On April 29, 2016, we reversed and corrected payments for January, February, March and April, The additional amount of $was posted to curtailment A copy of the payment history for this account with our transaction codes is enclosed On April 29, 2016, we also sent an update to all credit bureaus for this account to ensure your credit is not adversely affectedTypically, the updates are received within hours however; it may take up to days for the credit bureaus to update their records with this information We apologize for the frustration that you have experienced regarding this matterWe make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and quick handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear you were dissatisfied with our servicing of your account In compliance with the laws set forth by the state of North Carolina, enclosed are copies of your Note and payment history and included is the following information: *** SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLS If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 5, 2015/07/01) */ Dear [redacted] n, This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 16, and received by Specialized Loan Servicing LLC ("SLS") on June 19, regarding a reimbursement of funds for the above referenced mortgage account Our records indicate on [redacted] 19, 2015, we confirmed a payment was processed in error from your financial institutionOur Cashiering department was in the process of returning the funds to you per your request when notification was received you requested we keep the funds and use them for a monthly payment On June 17, the June 1, payment was satisfied due to a reversal of funds initially posted to escrow and a principal reduction of $ [redacted] has postedPlease accept our apologies for the inconvenience this may have caused Enclosed is a copy of your payment history confirming the reversals If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Complaint Response Date bumped because: Holiday