Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on November 14, and received by Specialized Loan Servicing LLC (“SLS”) on November 15, regarding a loan modification for the above-referenced mortgage account.Our letter dated July 27, reflects that you were approved for the Home Affordable ModificationProgram Tier Our enclosed letter dated October 14, states that we denied the loan modificationbecause you withdrew that request on October 14, We did not receive the executed agreement bythe August 11, deadlineOn October 24, we spoke with authorized third party [redacted] with Grand Junction Housing Authority and advised without proof that the executed permanentmodification agreement was mailed to SLS by the deadline, there is nothing that can be doneThismodification is no longer validIf you decide that you would like to pursue a loss mitigation option, youwould need to complete a new Request for Mortgage Assistance (“RMA”)All documents are time sensitivePlease note that all offers for loss mitigation or acceptance of a settlement are at the behest ofyour investorAs we must work within the parameters of your investor’s guidelines and the guidelines ofany available programs, we may not be able to offer a lower payment or lower interest rateThe goal is tobring an account current and to keep foreclosure from occurringWe have enclosed a new RMA for yourconvenience.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 their 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 ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMTFinancial information and other documentation can be forwarded bymail, fax, or email as follows: [redacted] ***, Fax: ###-###-####, Email: [redacted] Please include the ten-digit loan number on all correspondence

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onApril 11, and received by Specialized Loan Servicing LLC (“SLS”) on April 26, regarding lien release on the above-referenced second mortgage account.Our records indicate that we have previously responded to a similar request for lien release on April 20,We have enclosed this letter for your records.Our records reflect we received the funds in the amount of $9,and this account was paid off onFebruary 24, and reflects a zero ($0.00) principal balanceWe have previously faxed a copy of therecorded lien release to Tracey Price at Prominent title Agency at [redacted] We will encloseanother copy of the recorded lien release and re-fax a copy of this document to Prominent Title Agency at [redacted] .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 complaint filed with the Denver Revdex.com (“Revdex.com”) on April 5, and received by Specialized Loan Servicing LLC (“SLS”) on April 5, regarding a loan modification for the above-referenced second mortgage account.Our enclosed letter dated March 29, reflects that we are still missing information and documents toreview your request for a loan modificationWe need a recent Request for Mortgage Assistance (“RMA”) with all the sections filled properly including data and signatures with the proof of income that ismentioned in the RMAWe need a signed and dated 4506-T with all the required lines properlycompletedWe need the tax returns that are signed and dated with all schedulesOnce thenecessary documentation is received, your account will be reviewed for potential loss mitigation options.There is no guarantee of approval for any loss mitigation optionWe have enclosed a copy of the RMA foryour convenience.We do not make customized modification offersPlease note that all offers for loss mitigation oracceptance of a settlement are at the behest of your investorAs we must work within the parameters ofyour investor’s guidelines and the guidelines of any available programs, we may not be able to offer a lower payment or lower interest rate.Please understand this process can take some time and we require all documentation to be dated withindays of the recent application or it may become too old to be considered recent informationThoughrequests for documentation may seem redundant, your investor may ask for current or morecomprehensive financial information at any timeThis is in addition to information that may haveappeared complete previouslyAdditionally, documents may be invalid due to their not being signed, ornot being completed correctly.SLS is a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documentsA Quit Claim Deed surrenders rights to the property but does not remove a name fromthe liability for the debtThe original note reflects you are both liable for the debtSLS does not handlerefinances; if you wish to refinance this loan, you will need to contact a financial institution or lender ofyour choosing.We apologize for the frustration that you have experienced regarding this matterWe strive to makeconcerted efforts both through our internal policies and through our direct interactions to ensurecourteous, knowledgeable and expeditious handling of any servicing issues which may ariseWe handleall borrower comments or concerns with the utmost consideration, and we regret to hear you wereunsatisfied with our servicing of your account.In researching this 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 you and your client’s reference as outlined aboveIf 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.mMTYou may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), [redacted] (Teller ID: ***) by calling ###-###-####Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: [redacted] ***, Fax: ###-###-####, Email: [redacted] Pleaseinclude the ten-digit loan number on all correspondence

This letter is in response to a complaint originally filed with the Denver RevDex.com (“BBB”) onNovember 7, 2016 and received by Specialized Loan Servicing LLC (“SLS”) November 7, 2016 regardingcredit reporting for the above referenced second mortgage account.SLS is a third party... servicer, contracted by the investor to service this loan per the terms of the originalloan documents. We have enclosed a copy of the Note that lists the terms of this agreement in the firstparagraph. Additionally, letters reminding of the maturity date of the loan were sent in March, May, andJune, 2016. The last two of these letters are enclosed.The enclosed letter dated August 31, 2016 reflects that we were unable to offer you a retention option.The reasons for denial for each program as well as the information used in underwriting are outlined inthis letter. Our records reflect we received the funds in the amount of $15,199.40 and this account waspaid off on November 9, 2016 and reflects a zero ($0.00) principal balance. If it is determined that there isan overpayment, it will be refunded to you. A copy of the lien release will be recorded with the countywithin 90 days.This account was reported last on October 10, 2016 for September, 2016. At the time of reporting theaccount was 90 days’ past due. Credit has not been reported yet for October due to the outstandingQualified Written Request. Based on this information, there are no inaccuracies in the information wehave reported to the credit bureaus. In accordance with the Fair Credit Reporting Act (“FCRA”), SLS isrequired to report payments accurately as they were received; therefore, credit cannot be corrected as acourtesy.In researching your account, we have found no errors. You have a right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6:00 a.m. until 6:00 p.m. MT or TDD [redacted] Monday throughFriday, 8:00 a.m. until 5:00 p.m. MT.

Initial Business Response / [redacted] (1000, 6, 2015/06/02) */ Dear [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 14, and received by Specialized Loan Servicing LLC ("SLS") on May 26, regarding payment application and credit reporting for the above referenced mortgage account After reviewing our records we have confirmed we are reporting information to the credit agencies accuratelyFunds received on the loan that are not sufficient to satisfy the monthly interest obligation will be placed in a suspense account until additional funds are received to satisfy the payment or funds are advanced on the customer's behalfIf funds are advanced they are then billed as a fee due to the advanceThis loan is a Home Equity Line of Credit ("HELOC") and the amount of interest due each month is based on the unpaid principal balance and the days in the billing cycleAs the amount due is determined at the close of the billing cycle this loan type cannot be paid in advance and additional funds received may post to principalFunds posted from October 1, to May 7, as follows: Funds in the amount $received October 8, were placed in a suspense account as they were not sufficient to satisfy the interest billed for the September 25, payment in the amount of $On October 9, funds were advanced on your behalf in the amount of $to complete the payment Funds in the amount of $received November 7, satisfied the interest due for the October 25, billing in the amount of $with $posting to billed fees on the account Funds in the amount of $received December 9, were placed in a suspense account as they were not sufficient to satisfy the interest billed for the November 25, payment in the amount of $Funds were not advanced to satisfy the payment A portion, $of the funds in the amount of $received on January 8, was added to the suspense balance of $to satisfy the November 25, payment with the remainder posting to principal reductionA principal payment in the amount of $posted on January 8, Funds in the amount of $received February 6, satisfied the interest due for December 25, Funds were reversed on February 27, that had posted to principal reduction on January 8, in the amount of $and placed in suspense to be used for a payment Funds were received on March 6, in the amount of $A portion, $of these funds was added to the suspense account to satisfy the January 25, paymentThe remaining $posted to principal reductionThe check for $received March 13, was placed in the suspense account Funds received on April 7, in the amount of $were added to the suspense balance of $to satisfy the payment for February 25, and a principal reduction in the amount of $ On April 14, the principal reduction that posted on April 7, was reversed and outstanding fees partially satisfied in the amount of $ Funds received on May 7, in the amount of $satisfied the payment for March 25, in the amount of $with $posting to principal reduction At this time the loan is contractually due for April 25, in the amount of $and the May 25, payment in the amount of $There are unpaid fees in the amount of $and unpaid late charges in the amount of $We are enclosing a copy of your contractual Note and payment history for your review We have conducted a review and have not discovered any inaccuracies in the information we have reported to the credit bureausSLS has complied with your requests for information in accordance with both state and federal lawIf there is specific information you are requesting that we have not provided, please provide detailed information with your contact information to the address aboveIf you have a specific dispute regarding the credit reporting information we have reported, please send us a signed letter detailing your dispute along with an unmarked copy of your entire credit report(s) as supplied to you by Experian, Equifax or TransUnion 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 1-800- 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: Sincerely, [redacted] SLS you keep responding with the same evaluation and comments, we have ask for documents (Lawyer) in connection with your reason for claiming all these so call Bank/GovACTS you are entitle too without justifying the charges against usThese acts are not a issue in our situation as we were never in a foreclosure positionWe received a payment due date and made the payment due ON TIME as asked and IN FULLAgain for the 3rd time, Why we are being charged foreclosure fees TOTALING $1, from both the Lawyer and SLS, when this never happened!We have attached files corresponding to the truth of this matter so maybe you can understand that your charges are NOT in accordance with any regulations you have repeatedly mentioned [redacted] and [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on July 29,and received by Specialized Loan Servicing LLC (“SLS”) on July 29, regarding accountinformation the above-referenced mortgage account.This account service transferred to SLS on February 16, Our records do not reflect a completedloan modification with the prior servicer and the loan modification that was reviewed with SLS was deniedon March 16, Our records show the property was acquired on April 29, and is now RealEstate Owned (REO)If you have any additional questions, you will need to contact Specialized AssetManagement regarding information on the property listed above.Your correspondence had a mailing address that is different than the one listed in our systems, thereforewe are responding to the address listed in your correspondence as a courtesyPlease contact as thenumber listed below to update your mailing address information verbally or send written confirmation ofsuch to us at the address or fax number listed above.In researching this 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.SLS is unable to provide further information regarding this loanIf you have specific property relatedquestions please contact Specialized Asset Management (SAM) at [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/06/15) */ This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on June 3, and received by Specialized Loan Servicing LLC ("SLS") on June regarding the escrow account for the above referenced account 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 expeditious 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 According to our records, the prior servicer did not pay the insuranceThe insurance was paid on March 26, and May 11, We did not pay this early or make a double disbursement to the insurance companyThe escrow shortage was after the disbursement with the cushionThe shortage dated June 1, was the sum of the anticipated escrow balance of $and the cushion of $for a total shortage of $1,This shortage was spread over months which increased the escrow payment by $On June 5, we ran a new escrow analysis that is effective on July 1, with a shortage of $and we have enclosed the letter regarding the details of the escrow accountThe new escrow payment which begins on July 1, is $($regular escrow amount plus +$shortage repayment)Your total monthly mortgage payment decreased from to $This account is contractually due for July 1, in the amount of $We enclosed a copy of the new escrow analysis with the payment history with our transaction codes A supervisor called to contact you on May 16, May 29, and June 1, and if there was no answer, they left messages 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] and [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 1, regarding the application of payments and customer service on the above-referenced mortgage account SLS understands the account was included in a Chapter bankruptcy that was discharged on January 5, 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 October 1, contractual monthly payment and due for each contractual monthly payment that has become due thereafter SLS’ records indicate on November 10, we received your voluntary payment in the amount of $ At that time, the account was excluded from servicing processes; therefore the funds were held in the unapplied funds suspense account On November 17, during a phone call you advised a SLS representative a payment was returned to your bank; the SLS representative requested your funds in the unapplied funds suspense account be applied to the account Regrettably, on November 20, SLS determined the funds could not be posted to the account at that time because the account was excluded from servicing processes On November 27, during a phone call you advised a SLS representative you were trying to make a voluntary payment however the funds are being returned to your bank; the SLS representative advised you the matter was escalated internally but there was no update yet On November 28, the account was updated to be included in servicing processes Accordingly, the $in the unapplied funds suspense account was applied to the August 1, contractual monthly payment On December 8, SLS received your voluntary payment in the amount of $which was applied to the September 1, contractual monthly payment Your complaint raises the issue you were told you would be contacted when the account was updated but you had not received a call This matter has been referred to the management of the appropriate department for review and potential training opportunities Your complaint requests SLS apply the funds held in the unapplied funds suspense account to the mortgage account and the account updated so you can send voluntary payments As noted above, SLS’ records indicate on November 28, the account was updated The unapplied funds suspense funds in the amount of $were applied to your account on December 4, We regret any inconvenience this has caused 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 unsatisfied with the servicing of your account We have responded regarding the errors alleged on the account and the corrections made to the account, as applicable We trust that we have responded to your concerns You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below 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

Dear [redacted] * [redacted] , This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on Febraury 11, and received by Specialized Loan Servicing LLC (“SLS”) on February 12, regarding the calculation of the payoff and a refund for the above-referenced mortgage account (the “account”) Your dispute references concerns regarding the calculation of the payoff You reference concerns regarding the interest rate, fees and the escrow With regard to your concerns, SLS’ records indicate the payoff quote dated December 7, indicated the following: Expiration Date January 6, 2018;Principal Balance $9,587.67;Interest Calculated to January 6, $43.63;Release Preparation Fee $13.35;Recording Fee $46.00; Total Amount Due $9,690.65; Regarding the interest rate, SLS’ records indicate the interest rate effective December 1, was 4.71069% The interest rate effective January 1, was 4.91775% SLS has confirmed the interest rates as correct according to the terms of the Promissory Note (a copy of which is enclosed) Regarding the fees on the payoff quote you do not request information or notify SLS of an error In order for SLS to research the matter further please advise what information is being requested or what specific error is being alleged Regarding the escrow, SLS’ records do not indicate the account was escrowed for taxes or insurance We regret any confusion resulting from the matter SLS’ records indicate the account was paid in full on January 24, SLS sent you a letter dated January 25, (a copy of which is enclosed) indicating the account was satisfied and closed on January 24, SLS sent you check number [redacted] dated Febraury 8, in the amount of $as a return of the excess payoff funds 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 In compliance with the laws set forth by the State of Oregon, enclosed is a copy of the payment history with transaction codes for the above referenced loan as well as the following: This account is currently paid in full; There is no current principal balance;There are no funds held in a suspense account; There is no escrow balance; Note holder contact information at the time the account was satisfied: [redacted] *** SLS is the servicer on behalf of the Note holder; correspondences made with the Note holder will be handled by SLS 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 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 June 13,and received by Specialized Loan Servicing LLC (“SLS”) on June 13, regarding application ofpayments, late fees, and credit reporting for the above-referenced mortgage account.We have confirmed that an active Consumer Financial Protection Bureau (“CFPB”) complaint response isin process at the time of this responseResponse to this dispute will be addressed with the resolution ofthe CFPB complaint.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 1-800-268-9419, Monday throughFriday, 8:a.muntil 5:p.mMT

Dear [redacted] , This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on July 7, and received by Specialized Loan Servicing LLC ("SLS") on July 10, regarding a fee assessed to the above-referenced mortgage account Our records indicate that we have previously responded to a similar request with our correspondence dated July 22, 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 In accordance with the Deed of Trust, we may purchase insurance for this property if a policy is not already in placeA copy of the Deed of Trust is enclosed for your review 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 In compliance with the laws set forth by the state of Washington, enclosed is the following information: Your account is not currently due for a monthly payment The current principal balance due is in the amount of $ There are no funds held in a suspense account The escrow balance as of today is $There is not an escrow shortage Note holder contact information: E*Trade Bank [redacted] Specialized Loan Servicing LLC ("SLS") is the servicer of the loan on behalf of the investorCorrespondences made with the investor will be handled by SLS If you have any questions regarding this information, please contact Customer Care toll free at [redacted] , Monday through Friday, 6: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”) onSeptember 2, and received by Specialized Loan Servicing LLC (“SLS”) on September 2, 2016regarding documents on a loan modification for the above-referenced second mortgage account.For your review, we have enclosed a copy of the original Note and the November 3, loanmodificationThe terms of the modification indicate interest-only monthly payments beginning onDecember 20, and continuing each month until April 30, (page 2, part 5).We received your Request for Mortgage Assistance (“RMA”) on August 2, Since that time we havemade multiple attempts to reach you by telephone and have left several messages.We spoke to you on September 8, and sent a follenclosed letter on September 13, 2016,which indicates that we are missing documentation needed to complete the loan modification review.Your tax returns indicate more income ($926.84) each month than is indicated in the additionalfinancial documents providedWe need either proof of the additional income or a letter of explanation ofthe additional incomeThe documents and information requested must be received by October 13,2016.We require all documentation to be dated within days of the recent application, or it may be consideredtoo old to be usedThough requests for documentation may seem redundant, your investor may ask forcurrent or more comprehensive financial information at any timeThis is in addition to information thatmay have appeared complete previouslyAdditionally, documents may be invalid due to their not beingsigned, or not being completed correctly.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 ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), [redacted] (Teller ID: ***) by calling ###-###-####Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: [redacted] ***, Fax: ###-###-####, Email: [redacted] Pleaseinclude the ten-digit loan number on all correspondence

We are writing in response to the above-referenced complaint regarding the above referenced mortgageaccountSpecialized Loan Servicing LLC (“SLS”) appreciates the opportunity to respond to the complaintand trusts that the information provided enclosed will allow the Revdex.com to resolve thiscomplaint.Specialized Loan Servicing LLC (“SLS”) is a third party mortgage loan servicerThe servicing of themortgage account transferred to SLS on December 1, At that time, the account was due for theDecember 1, contractual monthly paymentThe account is currently due for the November 1, 2016contractual monthly payment.Enclosed, please find a copy of the response submitted to the California Department of BusinessOversight and the Colorado Department of Law regarding the Albertson’s account.We 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

Initial Business Response / [redacted] (1000, 6, 2015/06/24) */ Dear [redacted] and [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on June 11, and received by Specialized Loan Servicing LLC ("SLS") on June 15, regarding loss draft funds for the above-referenced mortgage account After review of our records we have confirmed that the following funds have been sent to you: Check number # XXXXXXXX in the amount of $ 11,was sent to you on May 1, Check number #XXXXXXXX in the amount of $18,was sent to you on June 5, XXXXX If a property is damaged SLS monitors the insurance claim process to protect the property value and the investor's interest in the propertyTherefore we require proof that the proper repairs have been completed before disbursing additional funds Our records show that we are pending for a 95% inspection of the homeOnce this inspection is completed we can than release additional funds to 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.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT Initial Consumer Rebuttal / [redacted] (3000, 8, 2015/06/29) */ (The consumer indicated he/she DID NOT accept the response from the business.) We started this claim in JanuaryIt took FIVE months for them to issue the first check and lots of begging and threatening of lawsuits for them to release the second checkAt this rate we won't receive the third check until DecemberThis is a crying shame that this company is allowed to do this to people all the while demanding their mortgage payment is made timely every month for a home no one can live inShamefulAbsolutely shameful Complaint Response Date bumped because: Holiday

Complaint: [redacted] I am rejecting this response because: I never received an over payment check from SLS for seven hundred ten dollars or any amount for that matter I received a check from [redacted] for four hundred odd dollars but none from SLS regarding the over payment Please send me a copy of the cashed check with my signature on it I doubt you will find it because it was never sent Where did that claim come from? [redacted] said SLS should send me one because its the law You know what I told them? I laughed and said you don't know this company Again, you have all those dates which are great However, if you listen to the tapes of my concerns to your executive services and their assurances that this was getting taken care of it doesn't jive with your story Another thing that doesn't jive is the fact SLS keeps dancing around is why was there negative reporting on my credit in the first place? Why whenever I called SLS the first person I would talk to stated that I was delinquent on my payments? How come you didn't document those conversations in your response? Doesn't make sense does it? Send me my over payment amount please and when do I expect to see it in the mail? I never asked for the loan modification and I never asked for the second either as SLS claims It was a one page letter in the mail that was sent to me simply saying if I wanted to extend the interest only period to sign on the line No fees, no this and that, no fine print and certainly no putting my payments into a suspense account billing me for a higher balance while allowing your billing department to wreak havoc on my credit Don't see my point yet? Include why my credit was taking a hit in your story and then see how well it makes sense Poor communication between SLS departments and what I view as confusing charges and double charges is what I am very unsatisfied with your answer You claim that you did everything by the book but you are leaving the errors of your department from your response Sincerely, [redacted] ***

This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on December 28, and received by Specialized Loan Servicing LLC ("SLS") on December 29, regarding access to this account on the above referenced loan Our records indicate that we have previously responded to a similar request regarding access to the account on December 21, We have enclosed this letter for your records We are still missing documentation to update this accountWe need the necessary documents related to the estateWe will need a certified death certificateOnce we receive this documentation we can update our records and this account This account was updated on December 31, to reflect this account has been paid offThis account reflects a zero ($0.00) principal balanceIf it is determined that there is an overpayment, it will be refunded under separate coverA copy of the lien release will be recorded with the county within days It is not clear which documents you are referring to in your correspondence In researching this account, we have found no errorsYou 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 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 Response Date bumped because: Data Base Migration

Complaint: [redacted] I am rejecting this response because:SLS will not resolve any issues with me over the phone on the November 10th communication they told me to use the Revdex.com as a means to resolve this issue That is unacceptable by itself, however we will set that aside for the moment What I am requesting is industry standard and for what ever reason they refuse to corporate My initial complaint was they would not refund my escrow account funds to me and were crediting it towards the loan pay off amount Through the Revdex.com we thought we had this resolved and SLS sent a new and CORRECT payoff statement on 10/14/which did not show the escrow funds as a credit However, as the loan funding process goes the new lender requests a final pay off statement prior to closing, which happened on 11/4/ SLS sent a new payoff quote which now bring us to the this complaint The new payoff quote although did not show the escrow funds as a credit, now had $4,added to pay off statement to cover property taxes They had over $7,in the tax escrow account So I called to say why are collecting $4,for property taxes when you have over $7,already in the acccount They said that is company policy and go through the Revdex.com if you want a different result Now their most recent payoff statement on 11/18/which they have provided to solve this issue, we now have come full circle, they paid the property taxex and now have a balance $2,and SLS most current payoff statement shows the escrow balance as a credit to the payoff amountwhich was point of the first complaint.I WANT MY ESCROW FUNDS REFUNDED TO ME IN FULL AND NOT CREDITED TO THE LOAN PAYOFF AS YOU ARE WELL AWARE, THIS IS INDUSTRY STANDARD PRACTICE YOU HAVE SLOW PLAYED, BAIT AND SWITCHED, AND REFUSED TO DISCUSS ISSUES OVER THE PHONE RETURN MY MONEY BACK TO MERegards, [redacted]

This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on September 26, and received by Specialized Loan Servicing LLC ("SLS") on September 26, regarding your billing statement and payments on the above-referenced mortgage accountAs advised in the enclosed Notice of Servicing Transfer, SLS began servicing your loan on July 24, 2017; however, SLS does not own the loanSLS is a third party contracted by your investor to service this loan by the terms of the original loan documentsAt the time of service-transfer, your account reflected due for the September 1, contractual obligationThe billing statement dated July 24, reflected a zero amount due because your prior servicer had received your payment for August 1, 2017, and no payment was due until September 1, On September 27, we received $2,which satisfied payment for September, The account is due next for the October 1, contractual obligation of $2,Your payment history is enclosedSLS holds all credit reporting for the month in which the transfer occurs, as well as two (2) additional months thereafter to allow for the resolution of interim payment issues associated with the transferWe have not reported to the credit bureaus for this loanPlease note that after October 5, 2017, SLS will no longer collect your payments, as the account will have been service-released to [redacted] ***Enclosed is SLS’ notice of this service-releaseWhile we are sympathetic to your concerns about service-transfer, please note that SLS services this account by the terms of your Note and Mortgage, which allows for the transfer of servicer (and sale of loan) at investor discretionThis account is currently due for the October 1, payment in the amount of $2,We have enclosed a copy of the payment history with our transaction codes for your review and recordsWe have reviewed the telephone calls on this account and will use them as training opportunities for our representativesSLS strives to ensure courteous and quick 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 consideration, and we regret to hear you were dissatisfied with the servicing of your accountOn September 27, a member of our Executive Services team reached you by telephone, at which time you indicated your concerns had been addressedWe have responded regarding the servicing errors alleged on the accountWe 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 [redacted] , Monday through Friday, 6:a.muntil 6:p.mMTIf 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.mMTSLS accepts calls from relay services on behalf of hearing impaired borrowers

I received a second denial from SLS Assest, listing the same incorrect and erroneous information that was to be corrected from the first denialIn addition they to the incorrect debt to income ratio, they added crdit card payments that were not mine as well as doubling my first mortgage amount making it appear I have to more debt than I really owe I also requested proof of the amount I had drawn out of line of creditI didn't draw down $93,I only took $They as yet refuse to provide proof of the additional $2,They also stated I am delinquent monthsI am not delinquent at all in any payments which management agreed that I am current and have never been late in all the years of this loan It has become apparent reading the vast number of complaints filed against this company that there is a pattern of consumer abuseReading the complaints, one after the other they all read very similarIt really does appear to be a systematic abuse of the banking and consumer finance lawsI can forward you the copies of the denial letters, both list different amounts of debt to ratio and list differing months in arrears, again I am current I don't believe at this point this is just incompetence as so many complainants suggest, I believe this is out and out fraud! please respond back, [redacted]