Specialized Loan Servicing, LLC

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) onJune 1, and received by Specialized Loan Servicing LLC (“SLS”) June 1, regarding creditreporting for the above referenced mortgage account.Our records indicate that we have previously responded to similar requests on May 3, We haveenclosed this letter for your records.Our records indicate that [redacted] filed a Chapter bankruptcy which was discharged on October 19,Although he has been discharged of the personal liability of the debt, the lien on the property stillremainsThe lien may be enforced if voluntary payments are not madeThe lien will not be released untilthe account has paid in full and reflects a zero balanceSLS is obligated under federal bankruptcy law tocomply with the requirements of the Automatic StayThis information is provided in response to yourrequest and does not constitute a demand for payment.According to our records this account is currently paid through June with voluntary paymentsThecurrent principal balance is approximately $50,This is not intended to be a voluntary payoff figure.We have enclosed a copy of the payment history along with the transaction codes for your records.We have conducted a review and have not discovered any inaccuracies in the information we havereported to the credit bureausSLS has complied with your requests for information in accordance withboth state and federal lawIf you have a specific dispute regarding the credit reporting information wehave reported, please send us a signed letter detailing your dispute along with an unmarked copy of yourentire credit report(s) to us at the contact information aboveAs we have previously responded to yourinquiries, we consider these matters resolved.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking accountYou are able to contact our Customer Caredepartment at the number listed below to obtain information regarding your accountAdditionally, if youwould like to continue to make voluntary payments to the account to protect your interest in the property,you may use the following payment options:Pay online at www.SLS.net (for current accounts)Pay over the phone by calling [redacted] Pay by regular mail at [redacted] Pay by overnight mail at [redacted] ***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

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onMay 25, and received by Specialized Loan Servicing LLC (“SLS”) on May 26, the lien releasefor the above referenced second mortgage account.Our records reflect we received the funds in the amount of $114,and this account was paid off onFebruary 18, and reflects a zero ($0.00) principal balanceWe issued you a refund in the amount of$on March 4, for the overpayment of the fundsThe lien release has been sent to the countyfor recording as of May 27, and the county turnaround time for this to be recorded is days.SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay.This information is provided in response to your request and does not constitute a demand for payment.In researching this account, we have found no errorsYour client has the right to request the documentsrelied 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 [redacted] , Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 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 September 28, and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and a dispute received on November 8, regarding fees on the above referencedmortgage account.Our records indicate that we have previously responded to a similar request regarding fees and paymentson October 12, October with the Consumer Financial Protection Bureau (“CFPB”) on October 28, and November 4, 2016.As previously stated in our enclosed responses dated October and October 28, thereinstatement quote explains the amount needed to reinstate the account and bring it currentThereinstatement quote states that “other expenses” may be incurredWe did not receive the attorney billedservices regarding the attorney fees until after the account was reinstatedYou can also contact SLS todiscuss what these fees were for.SLS adheres to all legal standards, including but not limited to the Real Estate Settlement Procedures Act(RESPA), Truth in Lending Act (TILA), Fair Credit Reporting Act (FCRA), Fair Debt Collections PracticesAct (FDCPA), Home Ownership and Equity Protection Act (HOEPA) and all other state and federal lawsand regulations in reference to the servicing of the mortgage accountWe have reached out to you andleft a message on November 8, regarding the fees.Our position regarding your requests has not changedThe additional fees from the delinquency can bepaid over several months but will not be removedPlease note that SLS has complied with your requestsfor information in accordance with both state and federal law and we consider this matter resolvedIf youshould have any additional questions concerning your loan, please contact our Customer CareDepartment.This account is contractually due for the November 1, payment in the amount of $2,with atotal amount due of $4,(this amount includes all outstanding fees).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] , Monday throughFriday, 8:a.muntil 5:p.mMT

Complaint: [redacted] I am rejecting this response because you did not address the complaint Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/12/14) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") dated December 1, and received by Specialized Loan Servicing LLC ("SLS") on December 2, regarding payments for the above referenced mortgage account According to our records, we received your payment of $1,on November 27, that originally posted towards the December 1, payment and $additional payment posted towards the principalWe spoke with you on December 7, regarding this payment and you advised it was posted incorrectly, since the full amount was to post to principal onlyOn December 7, these funds were reversed and applied to the principal as requestedThere is a permanent collection note on your account that states additional funds sent in need to be applied to principal each monthThis account is current due for the January 1, payment in the amount of $We have enclosed a copy of the payment history along with the transaction codes for your records If you have any questions regarding this information, please contact Customer Care toll free at [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 complaint originally filed with the Denver Revdex.com (“Revdex.com”) onAugust 29, and received by Specialized Loan Servicing LLC (“SLS”) August 26, to remove the escrow account for the above referenced mortgage account.This account service transferred from the prior servicer to SLS on January 4, You have requestedthat we remove escrowAccording to our letter dated August 2, 2016, we were unable to remove theescrow account due to past due paymentsThe escrow account cannot be removed at this timeFor yourreference, the requirements for escrow removal are:? There cannot have been a loan modification completed within the past months? The account cannot have any delinquent payments made 30+ days late within the past months.? There cannot be an escrow shortage? The loan to value ratio (LTV) must be 75% or lessWe have enclosed a copy of the escrow analysis, your payment history, and our transaction codes foryour review and records.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 ###-###-####, 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 September 28, and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and a dispute received on November 3, regarding fees on the abovereferenced mortgage account.Our records indicate that we have previously responded to a similar request regarding fees and paymentson October 12, October and with the Consumer Financial Protection Bureau (“CFPB”) on October 28, We have enclosed these letters for your records.We requested an Executive Services supervisor contact you regarding the fees billed to your accountalong with any other questions you hadOn November 3, our representative attempted to contactyou at the telephone number we have listed for you and left a message.Please review the information carefully as our position regarding your requests has not changedPleasenote that SLS has complied with your requests for information in accordance with both state and federallawAs such, we consider this matter resolvedIf you should have any additional questions concerningyour loan, please contact our Customer Care Department.This account is contractually due for the October 1, payment in the amount of $2,with a totalamount due of $7,(this amount contains all past due billing and outstanding fees).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] , Monday throughFriday, 8:a.muntil 5:p.mMT

Initial Business Response / [redacted] (1000, 5, 2015/06/15) */ Dear [redacted] A [redacted] and [redacted] ***, This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 1, and received by Specialized Loan Servicing LLC ("SLS") on June 4, regarding payment options for the above-referenced mortgage account Our records indicate we recently responded to a Consumer Financial Protection Bureau ("CFPB") dispute for a similar concernWe are enclosing the response sent to you on June 11, for your reviewAfter review of our records we have confirmed two telephone calls were made to our offices on Sunday, May 11, If you attempted to make a payment on May 31, the system automatically included the June 1, contractual payment since the attempt was made after the last business day of the monthWe regret any inconvenience you may have experienced For informational purposes a payment may be made using one of the following options: Pay online at SLSnet (for current loans) Pay over the phone by calling X-XXX-XXX-XXXX Pay by regular mail at P.OBox XXXXXX Atlanta, GA XXXXX-XXXX Pay by overnight mail at Lucent Blvd, Suite Highlands Ranch, CO XXXXX 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 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 written request received by Specialized Loan Servicing LLC (“SLS”) onAugust 19, 2016, regarding our response for the above referenced account.After a review of our records, SLS responded to your correspondence dated August 3, by letter onAugust 12, We have enclosed for your review.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] (1000, 9, 2015/07/08) */ Dear [redacted] , This letter is in response to your case filed with the Denver Revdex.com ("Revdex.com") on June 19, and received by Specialized Loan Servicing LLC ("SLS") on June 29, regarding a lien release for the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondence dated May 18, 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 resolved As previously explained in our May 18, correspondence, your request was sent to our Title department for further reviewAs this request requires extensive research this can be a lengthy process We have updated our records to indicate this loan is closed and was paid in full on July 2, Please use this letter as preliminary proof that this loan has been paid in fullNote that since this loan has just recently been paid in full, a copy of the lien release/Deed of Reconveyance has not yet been generated but this process is currently underwayIt may take up to days for us to receive a copy of the recorded release We strive to make concerted efforts both through our internal policies and through our direct interactions to ensure courteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handle all borrower comments or concerns with the utmost consideration, and we regret to hear that you were dissatisfied with our servicing of the account In researching your account, we have found no 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, 11, 2015/07/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I had to go refinance this loan which cost me dollars to get the lien released to sale the lot they had an illegal mortgage on and refused to release, funny how their records are so quick to update when they have been paid but not when you need a problem resolved, this company needs to be investigatedI for one have been seriously damaged by their lack of professionalism and inability to fix problemsIf I don't have a release on my property sent to the Pulaski County Recorder within days I will be notifying the attorney general's officeI know what they are doing is illegalThey received payment on July 2, then the release should be processed immediately not in daysIf I waited days to pay them they would charge me late fees and report me to the credit bureauDO YOUR JOBS!!!! Release this loan immediately Final Business Response / [redacted] (4000, 13, 2015/07/24) */ Dear [redacted] , This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on June 19, and received by Specialized Loan Servicing LLC ("SLS") on June 29, regarding a lien release for the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondence dated May 18, and July 8, 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 resolved Our records show that a release of mortgage was sent to the county to be recorded on July 18, after payment in full was received on July 2, It may take up to days for us to receive a copy of the recorded releaseWe are unable to accelerate the county's recording process, and you may wish to contact the county directly for more informationWe are unable to comment on the county's behalf 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

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 February 2, regarding credit reporting, the terms of your modification, customer service interactions with SLS’ representatives, and your request for refunds on the above-referenced mortgage account (the “account”) We understand the account was included in a Chapter bankruptcy that was discharged on March 27, 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 received from the Consumer Financial Protection Bureau (“CFPB”) a similar dispute regarding the servicing of your mortgage account According to our standard business practices, SLS will be responding to this inquiry as well as to the inquiry that was submitted to the CFPB in our response to the CFPB dispute 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 SLS accepts calls from relay services on behalf of hearing impaired borrowersTell us why here

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

Dear [redacted] and [redacted] , This letter is in response to a complaint filed with the Denver RevDex.com (“BBB”) and received by Specialized Loan Servicing LLC (“SLS”) February 27, 2018 regarding credit reporting on the above-referenced mortgage account (the... “account”). With regards to your concerns, please be advised that in accordance with the requirements of the Fair Credit Reporting Act (“FCRA”) during the initial 60 days following servicing transfer of the account, SLS will not assess late fees or report information to the credit reporting bureaus. Additionall, SLS places a hold on credit reporting on any mortgage account for which a dispute is received, in order for SLS to research and respond to the dispute. When the response is issued, the hold/suspension timeline expires and normal credit reporting activities will resume unless an additional hold is placed. SLS’ records do not indicate any negative credit reporting has been provided to the credit reporting agencies. In compliance with the laws of the State of North Carolina, enclosed is a copy of the Note and payment history with transaction codes as well as the following information: • Your account is currently due for April 1, 2018 in the amount of $1,006.41. • The current principal balance of the loan is $177,684.21. • The escrow balance as of the date of this letter is $1,691.32. Note Holder Contact Information: Federal Home Loan Mortgage Corporation (Freddie Mac) 8250 Jones Branch Drive McLean, VA 22102 As SLS is the servicer on behalf of the current owner, all correspondence should be directed to SLS. We have researched your account and our records indicate that the servicing activity described in your dispute was not in error. We trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference. If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:00 a.m. until 6:00 p.m. MT. SLS accepts calls from relay services on behalf of hearing impaired borrowers.

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 26, and received by Specialized Loan Servicing LLC (“SLS”) regarding payments for the above referenced account.Our records indicate that we have previously responded to similar requests regarding the escrowaccount, disclosure statements and credit reporting on March 17, May 9, and August 4, We haveenclosed these letters for your records.We received a Western Union payment in the amount of $on August 15, that posted towardsthe September 1, paymentThis account is current and due for the October 1, payment in theamount of $We have enclosed a copy of the payment history and transaction codes for yourrecords.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] , Monday throughFriday, 8:a.muntil 5:p.mMT

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

Complaint: [redacted] I am rejecting this response because:I worked so hard after several months filling out paper work not lowering %rate or payment put me thru lot of stress and all they say no lower %rate or payment why say I was approved and make my payment double I will not sign what good r they if they do not help why should I refinance if they say I was approved not true no help at all I will not approve Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: I am no longer going to continue to argue the points I have previously made Both responses from SLS do not address SLS poor business practices of accepting over payment and applying to principle balance at the time of payment The refund was regarding my payoff not previous payments This is classic SLS, lots of words, no real action, no clear explanation and rehashing their "process" Thus my comlpaints and recommendation of a poor Revdex.com rating Sincerely, [redacted]

Complaint: [redacted] I am rejecting this response because: Last response I sent was added as an attachment, I hope this was forwarded to SLSI finally got through to SLS 10/5/and was told by [redacted] (teller) that I needed an "Explanation of Benefits" which I told her I had emailed AND faxed previouslyShe found it in file and said she would present it to the Underwriter and if I don't hear back by Monday to call them backAgain, for some reason they do not call my primary number, but rather my home number which I have no access to when I am out working "in the field." I am tired of them dragging their feetI have been more than patient and always courteous when speaking to their representativesI received an email yesterday, basically stating all that was mentioned previouslyI need to know, once and for all, what I need to do to expedite this processI am now, thanks to their mishandling in this whole experience, $10,behind! Sincerely, [redacted] ***

Dear [redacted] and [redacted] ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) on October 5, regarding [redacted] (“***”) on the above-referenced mortgage account With regard to your concerns, a review of SLS’ records indicates on October 19, during a phone call SLS’ Executive Services representative advised that SLS is willing to waive the internal [redacted] (“***”) fee in order to address your concerns In order for SLS to review your request to remove the ***, please sign and return the enclosed authorization for an internal *** SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with us Please understand that we handle all borrower comments and concerns with the utmost consideration We regret to hear you were dissatisfied with the servicing of your account We have responded regarding the errors alleged on the account and the corrections made to the account, as 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 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 borrowers

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 11, and received by Specialized Loan Servicing LLC (“SLS”) on July 11, regarding a fee for the above-referenced mortgage account.This account service transferred to SLS on June 1, After review of your account, we have waivedthe $Western Union Convenience Fee (“WUCF”) for the June 1, payment as a courtesyThis account is contractually due for the July 1, payment in the amount of $2,We have encloseda copy of our payment history for this account along with the transactions codes.The WUCF can be avoided using our automated telephone system or website, provided the payment isarranged before the due date, or up to days past the due date, otherwise there is a charge of $forthe WUCF at the time an automated phone payment or payment via our website is completedAlso,borrowers may send payments via the United States Postal Service with no additional fee howevermailed payments must be received before the end of the grace period to avoid any late fee.The enclosed Notice of Servicing Transfer dated May 26, gives you the offer to set up monthlyautomatic payment options as long as your account is currentYou may also use the following paymentoptions:Pay online at www.SLS.net (for current loans)Pay over the phone by calling [redacted] Pay by regular mail at [redacted] Pay by overnight mail at [redacted] ***In researching your account, we have found no 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] , Mondaythrough Friday, 8:a.muntil 5:p.mMT