Specialized Loan Servicing, LLC

Dear [redacted] and [redacted] , This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on December 8, regarding Note holder information and customer service interactions for the above-referenced mortgage account We understand the account was included in a Chapter bankruptcy that was discharged on June 18, 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 Your complaint raises issues concerning the owner of your noteSLS’ records indicate the following Note holder information: [redacted] As SLS is the servicer on behalf of the current owner, all correspondence should be directed to SLS Your complaint raises issues regarding your customer service interactions with SLS Specifically, you reference concerns regarding: Request for Note holder information from an SLS supervisor;Transfer of your call to many representatives;Malfunctioning of SLS’ website ;Fees for an online payment;Default of the account due to the transfer of servicing;Application of payments;Disclaimers made during phone recordings With regard to your concerns about customer service, a review of the phone conversation on December 8, reflects that you advised the representative that you received a communication from your prior servicer indicating the service-transfer to SLS You asked the owner of your Note, and the SLS representative advised she did not have access to that information and to submit a written request for it She then provided the address for receiving Notices of Error and Requests for Information and advised the request did not need to be addressed to any particular department but to include your name and loan numberShe indicated you would be provided written responseYou requested to speak to a supervisor who provided the same instructionsYou requested clarification of SLS’ business with your account The SLS supervisor explained the role of the servicer of your account on behalf of your Note holder and explained that payments received by SLS are applied to the balance of the loan You advised you believed SLS to be a collections company due to SLS’ phone recording disclosures at which time you were told that SLS collects payments and is therefore required to disclose certain information about the process You again requested Note holder information and were asked if you had any additional questions If you would like to send a written inquiry or dispute, please mail it to our dedicated Notice of Error/Request for Information/Qualified Written Request address below: Specialized Loan Servicing, LLC P.OBox Littleton, CO SLS responds to all disputes in accordance the Real Estate Settlement Procedures Act (“RESPA”) guidelines With regard to your concerns about speaking with numerous representatives and being on a call for more than an hour, SLS’ records indicate the total of the calls from December and December 12, was approximately minutes; however, we regret any frustration this may have caused you Your concerns about the customer service during the telephone conversations have been escalated and will be used for training if applicable We strive for excellence in our customer service and welcome your constructive thoughts With regard to your concerns about SLS’ borrower web portal, our records indicate your SLS web account was created and last modified on December 8, Should you still be experiencing difficulty, please contact us for assistance With regard to your concerns about receiving a default notice due to the transfer of the servicing, SLS’ records do not indicate we sent you a default notice SLS’ records indicate the following correspondences (copies of which are enclosed): November 17, – Notice of Servicing Transfer;December 12, – Periodic Billing Statement Authorization Form;December 12, – Revdex.com dispute acknowledgment; Please provide a copy of the notice for further review With regard to your concerns about the application of your voluntary payments, a copy of SLS’ transaction history with transaction codes is enclosed Voluntary payments are applied in accordance with the loan documents and any applicable bankruptcy laws With regard to your concerns about the use of the word “collections,” SLS is required by law to disclose certain information to you With regard to your request that SLS provide servicing authenticity, please refer to the enclosed Notice of Servicing Transfer Additionally, copies of your Note and Deed of Trust documents are enclosed for your review With regard to your request that SLS accept payments without charge, we offer several payment options, including online, phone, mail, [redacted] ***® and automatic recurring payments Please visit www.sls.net: Online Online payments are fast and convenient, and payments made during business hours are posted the same day Payments can be withdrawn from your bank accountLog in to your Specialized Loan Servicing LLC account at www.sls.net and select “Make an Online Payment” to process a [redacted] ***® Speedpay® payment [redacted] ***® may charge a convenience fee for their services Phone Customers may use the [redacted] ***® Speedpay® option to make a payment over the telephone [redacted] ***® may charge a convenience fee for their servicesCall 800-315-to speak to a Customer Care Associate or make a payment using the automated IVR systemPlease have your bank account number and routing number available when you call Automatic Recurring Payments Please contact our Customer Care Center at 800-315-to set up automatic payments from your bank account on a monthly basis Mail Personal checks, cashier’s checks and money orders can be mailed to the address belowIn order to ensure quick and accurate processing of your payment, please include your Specialized Loan Servicing LLC account number and your property address To remit payments, mail to: Specialized Loan Servicing LLC P.OBox Atlanta, GA 30348- To remit overnight payments/payoffs, mail to: Specialized Loan Servicing LLC Lucent Blvd, Suite Highlands Ranch, CO 80129-Attn: Cashiering Department [redacted] Pay via [redacted] ® Find a [redacted] ® branch using www[redacted] .com or calling 1-800-666-Complete a simple Express Payment send form and provide to the [redacted] ® agentBe sure to include your complete loan number and Receive Code - You will be given a reference numberCall Specialized Loan Servicing LLC and provide us with the reference number Pay at a [redacted] ***® LocationVisit the [redacted] ***® office nearest you to make a Quick Collect® paymentYou will use Specialized Loan Servicing LLC as the “Pay to Name” along with your Specialized Loan Servicing LLC account numberTo locate the [redacted] ***® office nearest you, call 1-800-325- SLS is unable to comment on your concerns and/or requests regarding companies other than SLS; however we regret to hear you were dissatisfied with the servicing of your account after the service-transfer We have researched your account and our records indicate that the servicing activity described in your dispute was 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, 8, 2015/10/05) */ Dear [redacted] W [redacted] and [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on September 23, and received by Specialized Loan Servicing LLC ("SLS") on September 24, regarding payments on the above-referenced mortgage account Our records indicate that you also submitted a correspondence to the Consumer Financial Protection Bureau ("CFPB") with regards to this loan which was received by SLS on September 19, Please note that all the concerns raised in the Revdex.com complaint will be addressed in the response sent to the Consumer Financial Protection Bureau ("CFPB") In researching the 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 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, 10, 2015/10/07) */ (The consumer indicated he/she DID NOT accept the response from the business.) The documents I received from the initial CFPB clearly reveal monthly payments for the "Total Monthly Payment" in addition to an electronic payment that SLS Agents refused to identify the Transferrer so I could delete the draft It took three months for SLS Executive Services to alert me to a minimum payment of $100.00/moNeither E*Trade, PNC BAnk, or Wells Fargo were able to identify how money was being draftedWells Fargo filed complaint for unauthorized activity and reverted two charges in May SLS responded with a declaration of intent to foreclose, rather that address their call center's inability to view all requirements for my HELOCThey continue to report that my last payment was received May 25thHad my loan been properly 'serviced' by SLS, we would not be at this impasse My dispute will play out on every internet venue available, not just CFPBSLS Financial Representatives have a fiduciary responsibility to know the terms of the financial instruments they serviceThis is obviously not happeningConsumers need protection throughout the duration of their loan, especially when the course set by SLS is foreclosure It was inappropriate with my perfect payments prior to SLS to be threatened with a mandatory balloon payment with no recourse [redacted] was subsequently extended two options in August should we not succeed in refinancingWhy wasn't I transferred to a seasoned agent who knew all terms and possibilities? They acknowledged two payment streams and afforded me NO KNOWLEDGE regarding the hidden and unauthorized payments for $100.00/monthSLS may be technically correct, but they error fiduciallyI had a right to know and be reminded of the minimum payment requirement at the time of my first call Final Consumer Response / [redacted] (4200, 14, 2015/10/21) */ (The consumer indicated he/she DID NOT accept the response from the business.) A resolution was reached with Leah Heartline, Supervisor of SLS Call CenterIf she follows through, my dispute will be resolved Specifically, our credit history and credit scores need to be restored to the pre-April levelsThe error occurred on SLS agents parts when they repeatedly failed to apprize me that the 'Total Monthly Payment' listed on our HELOC BILL was insufficient to satisfy the minimum requirementI was finally informed verbally in late May with a confirmation letter received in JuneIt took me five months to track down the ACH company that was drafting funds We succeeded in refinancing all debt against our homeSLS will receive payment in full as they have directed Numerica Credit Union Final Business Response / [redacted] (4000, 16, 2015/10/29) */

This letter is in response to your correspondence dated August 23, and received by Specialized Loan Servicing LLC (“SLS”) on August 23, 2016, regarding credit reporting for the above referenced mortgage accountPlease be advised we will be addressing your concerns with our response to your inquiry submitted to the California Department of Justice We appreciate your patience while we research your account further to fully resolve your complaintIf 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

(The consumer indicated he/she DID NOT accept the response from the business.) To whom it may concern: I find it very alarming that in response to my complaint, there continues to be inaccuracies listed regarding my request I called SLS on Friday 12/11/and was advised that the above mentioned request had been denied effective on 12/10/This was shortly after being asked to fax additional information regarding the above mentioned RMA I was finally able to speak with a supervisor on 12/11/named "***", who advised me that beyond not having a box checked on the RMA, that other fields on the form were not completed correctlyThis was the FIRST time that this had been mentioned SLS continues to claim they haven't received an updated copy of the lease agreement with the property management companyThis is incorrect - there is an addendum for the lease agreement through April 2016, which on at least three occasions the representative " [redacted] " stated that he could see, but continually attempted me to falsify and send in a document that didn't existThe lease I have, is binding and legal in the state of MinnesotaSLS has a copy of this document I interpret SLS' actions against me and my wife as retaliatory due to filing this claimTo properly resolve this matter, I hereby request ALL documentation that I have sent to them returned to meThis includes all originals and other financial documents that I provided to themThey have also falsified their response above by stating that the matter is still pendingI was informed that my request had been denied I expect all documents, including all RMA documents returned to me immediately upon receipt of this response

We are writing in response to a dispute that you filed with the Consumer Financial Protection Bureau(“CFPB”) with regard to the servicing of the above referenced mortgage loanWe understand that byfiling a dispute with the CFPB, you have authorized us to upload a copy of our response to the CFPBwebsiteWe further understand that you are requesting the CFPB to assist you regarding a New YorkConsolidation, Extension and Modification Agreement (“NY CEMA”).Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicerThe servicing of themortgage account transferred to SLS on February 16, At that time, the account was due for theMarch 1, contractual monthly paymentThe account is currently due for the October 1, 2016contractual monthly payment.The NY CEMA is utilized for refinances in lieu of the traditional cancellation of the old mortgage note andrelease of the lienThe NY CEMA enables a borrower with mortgages secured by property located inNew York to reduce the amount of Mortgage recording tax paid in connection with the refinanceSincetax on the outstanding mortgage balance has already been paid, the Mortgage tax is waived on thatamount.As part of the NY CEMA process, the existing lender/servicer must complete and provide an originalexecuted assignment from the current creditor to the new lender, which is to be recorded by the newlender, the Original Note, which will contain an Endorsement to the new lender, and the OriginalMortgageIn order to make the CEMA refinance process as seamless as possible, SLS engages theservices of a law firm in New YorkThe process to provide the requested documentation to the newlender requires multiple steps.In the correspondence sent to your attorney in September and during a call with you in August2016, SLS explained that to begin the NY CEMA process, we required: an initial, non-refundable fee of$to commence processing the request, with an additional $to be paid at time of closing, acompleted borrower authorization, closing agent/attorney contact information, New Lender information,including corporate office address, and Mortgage Schedule/Title report.Our records reflect that we did not receive the requested information or processing feeBecause we didnot receive the requested information or processing fee, SLS could not complete your request for a NYCEMA assignment| P a g eWe trust that we have responded to your concernsIf you have any questions regarding this information,please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:00p.mMT

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) on July 10, and received by Specialized Loan Servicing LLC (“SLS”) July 11, regarding credit reporting for the above referenced mortgage account.Your account service transferred to SLS on February 1, and our records reflect that you were duefor the February 1, paymentWe do not report delinquencies in the month of transfer plus twomonths afterwardsOur records reflect your payment was received over days after the due dateIf youhave documentation and proof that the funds to pay off this account was sent in February and notMarch then we can further review your request for late paymentsWe have enclosed a copy of thepayment history and transaction codes for your recordsIf you have documentation with an unmarked copy of your entire credit report(s) supplied to you byExperian, Equifax or TransUnion for SLS to review reflecting credit reporting issues, please send us thisinformation and we will further review your request, otherwise we consider this matter resolved andclosed.Our records reflect we received the funds in the amount of $297,and this account was paid off onMarch 21, and reflects a zero ($0.00) principal balanceWe issued you a refund in the amount of$on April 5, for the overpayment of the escrow funds.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

Initial Business Response / [redacted] */ Dear [redacted] JBrobeck, This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 1, and received by Specialized Loan Servicing LLC ("SLS") on May 21, 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, 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 loan, please contact our Customer Care Department Our records indicate that the following payoff quotes were sent to you: Payoff quote dated April 21, Payoff quote dated April 29, Payoff quote dated May 4, Payoff quote dated May 13, 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 closingTherefore, 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 contactIf Jacqueline (Teller ID # XXXXX) is unavailable, any of our agents will be able to assist you 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 X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMTor TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT 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/as the title company and I have proof of that, see attachedI started asking for a payoff 2/6/We never received a payoff quote previousThey only sent a regular statement with 206,left on the loanWhen the payoff quote was received it was completely differentThey faxed the payoff after I filed a complaint with Revdex.comThey finally sent one letter with a contact manager but that was weeks ago after I already had to do a short saleThe attorney said not to respond because she is already negotiating the short saleThe modification was times last year and they never respondedWe knew the minute the payoff quote came we had to do a short saleThe 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.comAlso, payoff quote, which I have proof, had on $charge for one quoteIf they had sent that many items I would have been charged moreSLS says one thing and does anotherThey 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 downThey were asked for a payoff quote in Feb and I never received until MayThey need to provide compensation and also approve the modification but that will not happen because now I am forced to short saleThey 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, and received by Specialized Loan Servicing LLC ("SLS") on May 21, 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, and May 27, Copies of these letters are enclosed for your reviewPlease 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 loan, please contact our Customer Care Department You indicated that you requested a payoff statement in February 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 modificationPlease 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 closingTherefore, 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 contactIf [redacted] (Teller ID # XXXXX) is unavailable, any of our agents will be able to assist you 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 X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMTor TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 6, 2015/08/07) */ Dear [redacted] and [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on July 27, and received by Specialized Loan Servicing LLC ("SLS") on July 28, 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 February 7, due for the February, monthly paymentA copy of the Notice of Service Transfer is enclosed for your reference We are enclosing also copies of the delinquent payment notices sent on March 26, 2015, April 17, 2015, and May 21, Numerous phone messages were left in March, April, May and June, After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accuratelyIn accordance with the Fair Credit Reporting Act (FCRA), SLS is required to report payments and account status accurately; therefore, credit cannot be corrected as a courtesyEnclosed is a copy of the payment history with transaction codes for your review Your payments are due on the first of the month, and you are allotted a 15-day grace period before a late fee is assessed to the above-referenced accountAs such, we are unable to comply with your request to remove the late fees at this time This department is able to communicate both by fax and postal mail 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, 8, 2015/08/15) */ (The consumer indicated he/she DID NOT accept the response from the business.) I have received no copies of any delinquent payment notices or notice of service transfer as stated in your responseThe problem as I explained in the first place was the po box that etrade had on file has been invalid for yearsThere was no one to see the address on file for the LOC onlineI'd also like to see what phone number messages were left atYou have both my and my wifes cell phone number and no messages were left for either of us Final Business Response / [redacted] (4000, 10, 2015/08/21) */ Dear [redacted] P [redacted] and Lynz A [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on July 27, and received by Specialized Loan Servicing LLC ("SLS") on July 28, 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 August 6, 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 As previously stated, your account was transferred to SLS for servicing on February 7, A copy of the Notice of Service Transfer is enclosed for your referenceFurthermore, SLS is required to maintain the information given to us by the prior servicer as it is the borrower's responsibility to ensure we have correct contact information on fileWe are again enclosing copies of the delinquent payment notices sent on March 26, 2015, April 17, 2015, and May 21, Our records indicate that phone numbers XXX-XXX-XXXX and XXX-XXX-XXXX were the numbers we had on file at the time the phone messages were leftHowever, our records show that our files were updated on July 17, to reflect cell phone numbers XXX-XXX-XXXX and XXX-XXX-XXXX 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 Business Response / [redacted] (1000, 6, 2015/05/15) */ Dear [redacted] M [redacted] and [redacted] J [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 4, and received by Specialized Loan Servicing LLC ("SLS") on May 5, regarding the status of the above-referenced mortgage account After review of our records we have confirmed that fees in the amount of $were assessed to your account by the prior servicer for the following: Foreclosure Costs in the amount of $ Broker Price Opinion/Property Inspections in the amount of $ Fees are assessed to the mortgage loan per the terms of the Promissory Note and/or Deed of Trust/MortgageIn addition, fees assessed to the account by the prior servicer are transferred to the new servicer and are still due and payableA copy of the prior servicer's payment history and spreadsheet of unpaid fees are enclosed for your reference You indicated that you have written documentation from your prior servicer, indicating that these fees are not due and payablePlease provide us with a copy of this documentation so that this matter can be researched further Our records indicate an outbound call made to you on May 4, On May 4, 2015, you were also connected to a departmental supervisor 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 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

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

We are writing in response to your dispute filed with Consumer Financial Protection Bureau (“CFPB”) with regard to the servicing of the above referenced mortgage loan We understand that by filing a dispute with the CFPB, you have authorized us to upload a copy of our response directly to the CFPB websiteWe further understand that you are requesting assistance with correcting the application of payments on the account referenced above Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicer The servicing of the mortgage account transferred to SLS on December 1, At that time, the account was due for the December 20, contractual monthly payment.[LL1] The account is currently due for the April 20, contractual monthly payment Please note that there are currently no active foreclosure proceedings for the property listed above With regard to payment application, our records indicate that the issues concerning payment application have been resolved at this time [LL2]The misapplied funds from December of until April of have been reversed and reapplied, and all late fees assessed due to this error have been reversed at this time SLS has enclosed the payment history for your reviewIf after reviewing the enclosed payment histories, you feel that there are payments that have been made to SLS that were not applied to the account, we request that you submit proof of payment in the form of unaltered bank statements or front and back copies of checks so that we may conduct further research We trust that we have responded to your concerns If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT SLS accepts calls from relay services on behalf of hearing impaired borrowers[LL1]No, do not need[LL2]We need to explain how this was resolved Did we go back and apply the payments properly? Did we waive any late fees or correct any adverse credit reporting? Late fees were removed – credit does not indicate delPayments for this time periodTell us why here

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") dated and received on April 6, 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 accountThis account service transferred to SLS on October 16, SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documentsYour payments are due on the first of each monthUnder the enclosed Note it states the terms of your agreementPlease review the terms of your payments located on page of 3, (B), "If I do not pay the full amount of each monthly payment on the date it is dueI 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 neededYou do have a grace period of days, before we charge a late fee, but this does not mean your account is not delinquent after the first of the monthYour account is currently due for the April 1, paymentSLS has received your cease-and-desist request, effective March 24, Accordingly, your telephone numbers are in the process of being removed from our recordsAfter the update in our system, you will no longer receive collection calls of any kindThe only communication will be through written correspondence until further noticePlease note that there are certain notices and informational statements that SLS is required to send pursuant to applicable state and federal lawsWe have listened to the telephone call you address in your correspondenceIn regards to your concerns that a SLS representative harassed you, we respectfully disagreeSLS is committed to fair servicing and the prompt and responsive handling of all consumer servicing issues and complaintsWe 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 ariseWe handle all borrower experience feedback with the utmost considerationWe regret any frustration that you have experiencedWe have researched your account and our records indicate that the servicing issues collecting payments and harassment 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 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.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

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

This letter is in response to your complaints filed with the Denver Revdex.com ("Revdex.com") on February and March 6, and received by Specialized Loan Servicing LLC ("SLS") on February and March 6, regarding the application of payments, credit reporting, and 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 March 1, contractual monthly paymentThis account service transferred to SLS on November 16, SLS is a third party servicer, contracted by the investor to service this loan per the terms of the original loan documentsWe received your telephone call on February 21, and you questioned why the February payment did not post to your accountYou explained you sent in two partial payments in January and February In order for payment to your account to post correctly, we will need the full payment sent in each month in one paymentWhen 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 accountThe funds wait in the unapplied funds suspense account until more funds are receivedWhen 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 dueAccording to your payment history: On January 11, we received a payment in the amount of $that satisfied the January contractual paymentOn January 23, we received a payment of $We applied $to fees and $to the unapplied (suspense) funds accountOn January 24, we posted the $to the unpaid principal balanceOn February 6, we received $that posted to the unapplied funds suspense accountWe received a payment of $on February 16, that posted to the unapplied funds accountOn February 27, we reversed payments received and the payment that posted to curtailment dated January 24, in the amount of $We reposted all payments to reflect the account is paid to dateWe have enclosed a copy of the updated payment history, and transactions codes for your reviewIn 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, 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] ( [redacted] ***) [redacted] SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will be handled by SLSDue to the discharge from Chapter Bankruptcy, we have not reported to the credit bureaus since the servicer transfer to SLSOn January 30, we billed your account $for a Brokers Price Opinion ("BPO") that was completed on December 22, in order to review the removal of the Private Mortgage InsuranceThere is currently is a balance of $for this feeWe apologize for the frustration that you have experienced regarding this matterWe 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 ariseWe handle all borrower comments or concerns with the utmost considerationWe 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 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 referenceIf you have any questions regarding this information, please contact Bankruptcy toll free at 1-855-632-6631, Monday through Friday, 6:a.muntil 6:p.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onAugust 18, and received by Specialized Loan Servicing LLC (“SLS”) on April 11, regardingloan modification information and refinancing for the above-referenced mortgage accountA 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 and September 24, 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, We are unable to comment on the servicing of theaccount prior to the transferAt 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 TrustIn order toremove a co-borrower from the Note, the loan must be sold or refinancedSLS 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 AssistanceThere is no active loss mitigation review on the accountIf yourclients are interested in applying for loss mitigation options, they should complete the enclosed Requestfor Mortgage AssistanceThere 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 RMAWe included the RMA for your clients’ convenience.· September 8, 2014: We informed your clients that we needed a fully completed and executed RMAWe 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 follletter to request the RMA and missing documents· November 28, 2014: We sent a letter requesting missing documents· December 16, we sent a follletter 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 allowedAll 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 follletter 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 allowedAll documents required for this processare time-sensitive.In researching your clients’ account, we have found no errorsYou 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] Your clients may also contact Customer Care tollfree at ###-###-####, Monday through Friday, 6:a.muntil 6:p.m., MT or TDD ###-###-####,Monday through Friday, 8:a.muntil 5: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 The issue was partially resolved on February after I was given a phone number for their Executive Services department However, the person I spoke with had no idea how I could edit my automatic payments on their website and he didn't take any initiative to find out Sincerely, [redacted] ***

This letter is a response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on June 28, and received by Specialized Loan Servicing LLC (“SLS”) on June 28, regarding the settlement of the above referenced mortgage account.The trial period began on April of and continued through June of SLS received payments inthe amount of $1,on March 30, 2015, April 30, and June 1, 2015; which were applied to theaccount; enclosed for your reference is a copy of your payment history and corresponding transactioncodes, for a breakdown of how funds have been applied to the account.Once a final loan modification was offered, you declined the approved loan modification and yourauthorized third party agent was advised of the need for a new Request for Mortgage Assistance (“RMA”) application to be submitted in order to re-evaluate the above account for any currently available retentionoptions.Further, SLS provided payoff quotes dated December 31, and January 6, 2016, copies of which areenclosed, as requestedThe payoff quotes provided details of the amount necessary to settle theaccount that included amounts due for accrued interest good for days; uncollected late charges; payoffstatement fees ($ea stmt); deferred principal, outstanding fees/corporate advances and the balanceof funds in the suspense account was applied to reduce outstanding amount due to an accurate figure.The settlement funds in the amount of $289,were posted to the above referenced account onJanuary 12, Overpaid funds in the amount of $1,were returned to your attention with ourcheck number [redacted] , dated January 17, Additional surplus funds in the amount of $werereturned to your attention with our check number [redacted] , dated April 29, 2016.The satisfaction of mortgage has been recorded in the appropriate county and is enclosed for yourreference.SLS responds to all Qualified Written Requests (QWR) accordinglyIt is unclear to which priorcorrespondence SLS did not respond toPlease provide a copy of this correspondence via mail/fax asindicated above, so we may respond to any additional concerns.In compliance with the laws set forth by the state of [redacted] , enclosed is a copy of your signedNote as well as your payment history for the above referenced loan, along with the following information:? There are payments due as the account has been paid in full? There is no unpaid principal balance on account? There are no funds in a suspense account? There are no funds in the escrow accountThe Note holder contact information at the time of settlement: [redacted] , as Trustee for [redacted] ***SLS is the servicer of the loan on behalf of the Note holder correspondences made with the Note holderwill be handled by SLS.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

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 under my SLS mortgage in my credit reportsCopies 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 documentationIf SLS does not address this unjustified negative credit history, I will be forced to submit requests for correction directly to the credit reporting bureausAlso, I received a mortgage statement dated 7/1/that indicates I owe $6,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 $This total amount is incorrect, and I only owe $3,191.48, which is my new monthly payment as of 6/1/All of my payments have been paid in full up to this point, therefore, I should not have a total amount due of $6,on 8/1/Please ensure the past payment due and the late payment fee are removed from the systemPlease refer to the letter and supporting documentation I have submitted via fax as indicated above Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I have the $coming out of my account 4x a month for that month in December, then 5x in JanuaryThey had told me that the money was to pay on February statement, but we also made a payment in FebruaryThis 1st statement that we received claimed that we owed over $for our 1st paymentWe we called they claimed they never received anything from the other company and would update and send us the updated balanceThe next statement never said we had a past balanceWe were told it was all taken care of thenThe March Statement did not claim we owed them anything, and we even called to confirm that there was no errorWe were told that there wasn't any and it was from all the payments got caught upThey had done research on this before and we were told it was a glitch in the systemIt comes and goesI tried to make an online payment and their system say that I owe nothingI am not sure how I can owe something one time and not the next Sincerely, [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on May 194, and received by Specialized Loan Servicing LLC (“SLS”) on May 224, 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, regarding the above issues This written request will be addressed along with the CFPB complaint We understand the account was included in a Chapter bankruptcy that was discharged on September 15, 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 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 [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD [redacted] , Monday through Friday, 8:a.muntil 5:p.mMT