Specialized Loan Servicing, LLC

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on June 1,and received by Specialized Loan Servicing LLC (“SLS”) on June 1, regarding a refund andescrow account on the above-referenced mortgage account.This account service transferred to SLS on February 16, This account is currently being escrowedfor homeowner’s insurance and county taxesAccording to the enclosed escrow disclosure statementdated April 11, there is an escrow shortage of $-(negative)An escrow shortage is createdwhen the anticipated escrow balance at the time of the escrow analysis is less than the estimatedrequired balanceWe must collect enough to establish the required balanceUnder regulatorycompliance, we have the option of collecting up to two (2) months of escrow as a cushion, which wechoose to doIn this case, the cushion is $1,414.28.The escrow shortage on this account was approved to be spread over monthsThe new escrowpayment began on June 1, The new escrow amount is $($regular escrow amountplus +$shortage repayment)There have been no inaccuracies found in the recent escrow analysis.The payment amount is correct based on the projected disbursements and the starting balanceTheregular monthly mortgage payment increased from $4,to $4,for the June 1, 2016contractual obligationAccording to our records this account is currently due for July 1, with amonthly payment in the amount of $4,We enclosed the escrow analysis and SLS paymenthistory with our transaction codes for your recordsAt this time we do not see that a refund is due on thisaccount.We sent you a letter dated May 9, to inform you that the hazard insurance had expired and we didnot have updated new coverageOn May 19, we paid the homeowner’s insurance coverage in theamount of $1,Our letter dated May 19, informed you that we have hazard insurance weordered on your behalf was cancelledWe have updated this account with your preferred insurancecarrier with Interinsurance Exchange that will expire on May 8, If there is a refund due for theinsurance paid and after we receive the funds, it would be credited back to the escrow account.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 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Mondaythrough Friday, 8:a.muntil 5:p.mMT

Complaint: [redacted] I am rejecting this response because:they charing me law fee why were is my extra money I pay in why do they not put it towards the amount I OWE,I Never Had A FORCLOSER They BETTER Get The Info Straight Why CHARGE ME For All The Thing On List If They Refuse To HELP.They Want Even Lower Interest Rate They Did Say 3rd Time I Sent Papers Would HELP But Double MY PayMent I REFUSEI Did Not FORCLOSE Sincerely, [redacted]

This letter is in response to a rebuttal originally filed with the Denver Revdex.com (“Revdex.com”) onJuly 7, and received by Specialized Loan Servicing LLC (“SLS”) on April 11, regarding an outstanding fee for the above-referenced mortgage account.Our records reflect this account was paid off on September 11, and reflects a zero ($0.00) principalbalanceWe issued you a refund in the amount of $1,on October 26, for the overpayment ofthe payoff funds.Our records reflect the fee in the amount of $was reversed on July 2, because it was aduplicate transactionThis was already credited on your accountWe have enclosed a copy of thepayment history with our transaction codes for your records.In compliance with the laws set forth by the state of Washington, enclosed is the following information:• Your account is not currently due for a monthly payment as it has been paid in full• The current principal balance due is in the amount of $0.00.• There are no funds held in a suspense account.• The escrow balance as of today is $There is not an escrow shortage.Note holder contact information for the time we were the servicer is as follows:E*Trade Bank [redacted] ***Specialized Loan Servicing LLC (“SLS”) was the servicer of the loan on behalf of the investor correspondences made with the investor will be handled by SLS.In researching this account, we have found no 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

Complaint: [redacted] I am rejecting this response because: I have looked over the “corrected” Escrow Account Disclosure Statement dated 1/17/and find that it is still inaccurateAs it does not project January's Escrow payment, as the previous statement did leaving the "beginning balance" and all other additions and subtractions in errorThere are other errors in the statement dated 1/17/ At this point, I no longer trust SLS to manage my escrow account and they were notified both verbally and via email, as instructed, on 1/18/2017, that I will pay my property tax and home-owners insurance on my ownAfter careful review of my original loan documents, it appears that I am under no obligation to have an escrow account, only to have home-owners insurance and to be current on the property tax paymentSLS was notified of the following on 1/18/2017: This email is to advise you to cease including an escrow payment amount with my monthly mortgage paymentAs of today,1/18/2017, you are declaring that my escrow account has a shortage of $There is currently $in unapplied funds in my account to cover that amountAn image of my transaction history verifying that $in unapplied funds was included in the emailI would advise anyone dealing with SLS to carefully review all statements received from SLS as the "errors" that SLS have made with my simple escrow seem difficult to make, leaving me to believe this deception is intentionalIt appears, from a simple [redacted] search, that SLS is dealing with lawsuits in ** and ** for similar situationsI also advised SLS that I have requested that the ** Attorney General's Office look over this situation since the Revdex.com is not a law enforcement agencyAfter reading SLS's response to the Revdex.com, It is still my belief that SLS is, at best, careless with customers mortgages and at worst a fraudulent companyAdditionally, as you noted in your response the State of ** requires that you attach a copy of my note with signatureI have noticed that the note that you attached to your response to the Revdex.com belongs to a couple in **, not my noteThis attempt of deception is unlawful and gives additional cause to follow up with an actionable, enforcement office and should give cause to the Revdex.com to degrade your ratingRegards, [redacted] ***

This letter is in response to a complaint originally filed with the Denver Revdex.com (“Revdex.com”) on June 1, and received by Specialized Loan Servicing LLC (“SLS”) June 28, regarding credit reporting for the above referenced mortgage account.Our records indicate that we have previously responded to similar requests on February and May 3,We have enclosed these letters for your records.Our records reflect [redacted] is the primary borrower on this account and we understand that you didnot file for Chapter BankruptcyThis property was listed when he filed for bankruptcy and we mustfollow the legal guidelines for when a person files for a Chapter BankruptcyThere are no exceptions tothe rule because legally he is no longer liable for the debt even though you name remains on the note.Please accept our apologies for any confusion this has caused.According to our records this account is currently due for September, with a payment amount of$464.45.We have conducted a review and have not discovered any inaccuracies in the information we havereported to the credit bureausWe last reported to the credit bureaus on October when the Chapterwas dischargedSLS has complied with your requests for information in accordance with both state andfederal lawIf you have a specific dispute regarding the credit reporting information we have reported,please send us a signed letter detailing your dispute along with an unmarked copy of your entire creditreport(s) to us at the contact information aboveAs we have previously responded to your inquiries, weconsider these matters resolved.As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of theautomatic stay, which precludes any attempt to collect a debt, including billing statements, on-line access,or automatic deductions from your banking 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] ***SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic Stay.This information is provided in response to your request and does not constitute a demand for payment.In researching your account, we have found no 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

Complaint: [redacted] I am rejecting this response because: You have to open all of the documents to show the Proof of Payment Why would I attach blank Proof? Note that I sent the Proof of Payments again on 3/and 3/Open thosePer Chase: the Proof I sent should be sufficient as a Proof of Payment is not generated until the business cashes the check You should not have to request my very personal unedited bank statements However, on 4/- to clear this nightmare up, I have also faxed my PERSONAL unedited bank statements Find the payments and post them so that I can get my account paid for.This is my 14th contact with your business What does it take to clear this up?Also, why can't anyone answer me on what has changed? I have used Chase Bill Pay for these payments since September 2014? All of a sudden, the payments can't be applied using the SAME Chase Bill Pay?This is ruining my credit Find my payments and apply them so I can pay Jan, Feb, March and now April and get current A record of all contact and issues is below I have been using Chase Bill Pay to pay Specialized Loan Servicing as far back as 9/30/with no issues Septebmer Received notification of a possible loan modification but am NOT interested in modifying the loan 10/19/ Sent in October's payment using Chase Bill Pay 10/20/ Have POD from Chase Direct Pay that October payment received 11/1/ Saw that my loan was past due so I called I was told that my payment changed I explained that I had made the payment 11/13/ Sent in November's payment using Chase Bill Pay 11/16/ Have POD from Chase Bill pay that November payment received 12/1/ Saw that my loan was still past due so I sent in proof of payment for October and November loan 12/15/ Sent in December's payment using Chase Bill Pay 12/16/ Have POD from Chase Bill pay that December payment received 1/1/ did not hear anything back 2/19/ sent in January's pyament using Chase Bill Pay 2/20/ Notified via Chase Bill Pay that SLS refused my payment 2/23/ Called to see why the payment was refused Told that my loan was too far past due I explained that I had sent the Proof of Payments in twice Told to resend 3/9/ Called again Told to send in proof of payment for October 2015, November and December 3/9/ Submitted complaint with Revdex.com 3/31/ SLS told Revdex.com that they have received the complaint and need more time 3/15/ Called to see if the POD had been received Was told they have October but not November or December 3/16/ Resent POD 3/22/ Received a call back from SLS (the 1st one) and told that they have received the Proof of Payments but it's still being researched by Cash App Their target completion date is 3/ 3/31/ I called back as it's the Target Completion Date and told that it's still "being researched" 4/4/ Called back and asked for status Told that Cash App still "is researching" and asked to speak to a supervisor Told none was available Asked [redacted] what do I do now as this is adversely affecting my credit I am ready to pay January, February, March and April Per [redacted] "Right now we are waiting for an update You can go ahead and attempt to send them in again but the account is still showing past due The payments may be rejected Wait until we conduct our research I asked when the next target completion date was and she said she didn't know 4/4/ Asked to speak to Cash app - per [redacted] "They don’t' talk on the phone" 4/4/ 11:53am Per [redacted] a Supervisor would get back to me in 24-hours 4/6/ 12:17pm - have not received a call back Emailed Supervisors 4/6/ 2:0pm received a call back Told that Chase Proof of Payment is not sufficient and it does not contain proof that they received the check I must provide bank statements When I said I preferred to send an alternate POD - they suggested that I call Chase 4/6/ Called Chase Chase said the POD provided is proof as this is not generated until the vendor cashes the check I asked if I could have copies of the check and they said it was not available 4/6/ Now waiting for supervisor to call me back after she checks with cash app 4/15/ Still no call from the supervisor so I called them back Sincerely, [redacted] 10/6/

Dear [redacted] ,This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on January 13, and received by Specialized Loan Servicing LLC (“SLS”) on January 17, regarding credit reporting on the above-referenced mortgage account.In your complaint, you state that SLS has refused to acknowledge your requestContrary to this, areview of SLS’ records indicates that the enclosed letter dated November 25, was sent in responseto your request to correct credit reporting for the above referenced account.With regard to your concerns about the payment change, a review of SLS’ records indicates the enclosed Escrow Statement dated June 6, was sent advising that the new monthly payment breakdowneffective August 1, was $for Principal and Interest, $for the Escrow Payment, and$for the Shortage Payment, for a total monthly payment of $1,Additionally, the enclosedbilling statement dated August 4, was sent advising that $1,due on September 1, 2016.Finally, the enclosed Late Notice dated September 17, was sent advising that our records indicatedthat your mortgage payment was more than days past due, and that $was the total amount dueincluding the September late charge of $41.69.With regard to your concerns about the credit reporting, a review of SLS’ payment history indicates thatfunds in the amount of $1,were received on September 2, As these funds were insufficientto satisfy the contractual monthly payment of $1,344.97, the funds were placed in a suspense account.Subsequently, on October 4, SLS received funds in the amount of $1,344.97; $1,wasapplied to the September contractual monthly payment, $1,was held in a suspense account,as the funds were insufficient to satisfy the outstanding October 1, contractual monthly payment.On October 14, funds in the amount of $93.76, which was applied with the funds in the suspenseaccount to satisfy the October contractual monthly payment.Therefore, we found that SLS is reporting information to the credit reporting agencies accuratelyInaccordance 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 paymenthistory and transaction codes 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, 10, 2015/12/07) */ This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated and received by Specialized Loan Servicing LLC ("SLS") November 30, regarding the credit reporting on the above-referenced mortgage account Our records indicate that we have previously responded to a similar dispute filed with the Consumer Financial Protection Bureau ("CFPB") for credit reporting on September 17, and another Revdex.com dispute on November 23, We have enclosed these letters for your records After a review of our records, we found that we are reporting credit information to the credit reporting agencies correctly and have not discovered any inaccuracies in the information we haveWe adhered to all provisions of the Fair Debt Collection Practices Act (FDCPA) and/or applicable lawsThis account was reported correctly to the credit bureausIn accordance with the Fair Credit Reporting Act ("FCRA"), SLS is required to report payments accurately as they were received; therefore, credit cannot be corrected as a courtesyIf you have a specific dispute regarding the credit reporting information we have reported, please send us a signed letter detailing the dispute along with an unmarked copy of your entire credit report(s), otherwise we consider this matter closed In researching your 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 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, 12, 2015/12/08) */ (The consumer indicated he/she DID NOT accept the response from the business.) I do not accept this response because I only had one mortgage loan and it was not with SLSMy one mortgage loan should have only one reportEven if transferrred,SLS or whomever, should be reporting the same info as the previous lien holders of my mortgageI only asked SLS to report my first deliquency of my loan,which is [redacted] I was elgible for a modification and was denied after a whole year of runaround which is how I lost my homeNow they try to keep stuff on your credit forever which hurts people who have already suffered from financial hardships and trying to get back on their feetIt seems class action lawsuit is whats needed for others who also fell under predatory lending as SLSSLS has lots of complaints on different websites on their lending practices Final Consumer Response / [redacted] (4200, 20, 2015/12/24) */ (The consumer indicated he/she DID NOT accept the response from the business.) No, I do not accept the proposed resolutionThere is no resolution proposedThey are not trying to assist meOny keep saying they are reporting correctlyI don't understand what there was even to reportThe loan according to Bank of America was in foreclosure before SLS took the loanAlready was months behindThen one day I get a letter stating I have a new mortgage servicer Final Business Response / [redacted] (4000, 22, 2016/01/06) */ This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated December 28, and received by Specialized Loan Servicing LLC ("SLS") on December 29, regarding the credit reporting for the above-referenced mortgage account Our records indicate that we have previously responded to a similar dispute filed with the Consumer Financial Protection Bureau ("CFPB") for credit reporting on September 17, and the Revdex.com on November 23, December 4, December and December 23, We have enclosed these letters for your records SLS is reporting payments and credit accuratelyPlease review the information carefully as our position regarding your requests has not changedPlease note that SLS has complied with your requests 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 In researching your 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

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 January 25, regarding the County tax disbursements for the escrow, credit reporting, and the application of payments on the above-referenced mortgage account (the “account”) Your dispute raises concerns regarding the county tax disbursements from the escrow for the account With regard to your concerns, SLS’ records indicate the supplemental taxes were included in the initial escrow disclosure statement which reflected a County tax disbursement of $3, SLS will pay the supplemental bill if you send it to us, as the bill is sent only to the homeowner and not to SLS; however, the supplemental bill will not be a regular escrow item and will not be added as part of the tax line for the escrow account Your dispute raises concerns regarding credit reporting 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 accurately as they are received SLS has not sent derogatory credit reporting to the credit bureaus Your dispute raises concerns about the application of payments to the account Specifically you request that SLS correct your billing to take into consideration excesses in your escrow fund If you paid part of the supplemental bill and would like a refund applied to your escrow account, please provide proof of the payment for further research If you would like SLS to pay the second half of the supplemental bill, SLS is able to do so with your authorization Your account is due next for the March 1, obligationYour current escrow balance is $5, SLS strives to ensure courteous and expeditious handling of any servicing issues which may arise during the time that your loan is serviced with usPlease understand that we handle all borrower comments and concerns with the utmost considerationWe regret to hear you were dissatisfied with the servicing of your account We have 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 rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on July 12, received by Specialized Loan Servicing LLC (“SLS”) on July 29, regarding mortgage payments, late fees, and credit reporting for the above referenced second mortgageaccount.Our records indicate that we have previously responded to a similar request for mortgage payments, latefees and credit reporting on July 22, We have enclosed this letter for your records.We have updated and corrected the two misapplied payments on March 30, and November 27,that applied to ‘curtailment’ (reduction of the unpaid principal balance)We have updated your account, reversed and reapplied payments that will also reverse the late charges in the amounts of$and $that were applied to this accountWe submitted an online update to the creditreporting agencies to update your information for the payments that originally posted incorrectlyThecredit reporting will show that you are currentAt this time, there is nothing else for SLS to update.On July 14, a supervisor representative from SLS attempted to contact you to discuss your accountbut there was no answer and they did leave a messageIf you have any other questions regarding youraccount you can contact us at the telephone number listed belowAlso, in order to avoid any confusionon misapplied payments or payments applied to curtailment; you may wish to indicate how you want thefunds applied to your account that are over the regular loan payment due.In compliance with the laws set forth by the state of Washington, included is the following information:? This account is currently due for the August 28, payment in the amount of $? The current principal balance due is in the amount of $17,This is not a payoff quote? There are no funds being held in the suspense account? There is no escrow account for this second mortgageNote holder contact information:E*Trade Bank [redacted] SLS is the servicer on behalf of the Note holder correspondences made with the Note holder will behandled 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] , Mondaythrough Friday, 8:a.muntil 5:p.mMT

Complaint: [redacted] I am rejecting this response because: As you can see from SLS' own response, additional principle payments were not applied the month paidHolding additional principle payments to satisfy future monthly "obligation"/payments results in additional interest charges SLS did not address their business practice of applying my final payment made 10-to an "escrow account" that didn't exist This resulted in additional interest charged as well SLS provided a historical review which proved my point Sincerely, [redacted]

I remain committed in saying that, a monthly billing statement should be provided for any and all payments to the mortgage company for a matter of record. Additionally, this matter only became a problem as a result of the previous mortgage company selling the note. The previous mortgage company, did in fact, provide a monthly billing statement for their customer. Thank you [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/05/26) */ Dear [redacted] and [redacted] , This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 5, and received by Specialized Loan Servicing LLC ("SLS") on May 14, regarding fees, payments and late charges for the above referenced mortgage account The loan transferred for servicing on April 1, Our records indicate a fee was transferred from the prior servicers when the loan boarded in the amount of $for property inspectionsThis fee has been paid with additional funds sent on May 5, No late charges have been billed to the account The zip code referenced for your property address is listed abovePer your origination documentation this is the zip code associated with the property at the time the loan originatedWe have enclosed a copy of your Note and Deed of Trust for your reviewIf the county emergency response system has reassigned your zip code or if you have supporting documentation from the county or government agency that advises of an updated zip code please remit it to our offices so we may further review Our records indicate a [redacted] [redacted] was filed and discharged on July 27, This information is provided in response to your request and does not constitute a demand for payment SLS is obligated under [redacted] to comply with the requirements of the Automatic Stay 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, 7, 2015/06/02) */ (The consumer indicated he/she DID NOT accept the response from the business.) Why should I be held to pay for a loan transferring fee from [redacted] when I did not ask for my loan to be transferred? Yes the fee was paid with additional funds sent on May 5th, those funds were paid by ME because they were attached to my monthly billI should NOT have to pay fees that I had nothing to do with Yes, back in when the property was purchased that WAS the zip code of the propertyWhat is the zip code that shows on ALL of the paperwork you received from [redacted] It is XXXXX, the zip code for [redacted] Don't believe me then try Google! I am on a work [redacted] in [redacted] right now and cannot just waltz down to some county building because you are too lazy to simply do something so easy to do I want a copy of what the Federal Bankruptcy Laws are in regards to the Automatic StayThat it says that I have to be handled by a special department that is not even a part of SLS and thus cannot use Bill Pay or other more convenient means to pay my mortgage You obviously did not research that well, and you know and I know that if I call the number you listed that I will NOT speak to an SLS representative but instead will speak with someone from that bankruptcy division that will tell me that there is nothing they can doLike I said in my original letter, you use smoke and mirrors and provide no service to your customers whatsoever It would have been an easy fix Refund my $ Change my zip code (again, see [redacted] And that would have been it Instead you want to try and use a large response with what is perceived to be well thought out and well versed language in hopes that you are dealing with the typical schmuck that you were hoping you were dealing with So not the case and I am so not satisfied with one, the response, and two, the amount of time it takes you to even word said response Final Consumer Response / [redacted] (4200, 11, 2015/06/11) */ (The consumer indicated he/she DID NOT accept the response from the business.) You answered nothingNot one single thingYou even copied and pasted in a couple of instances from the response you sent last time Why should I have to pay for a "property inspection assessed by the prior servicer?" Yes it was paid with additional fundsMY fundsSo again, why should I have to pay for this? Answer? I shouldn'tAnd you know it Again, I am NOT in the US right now so I cannot go down to the county courthouse to get you the zip code that you already have on all the documentation sent over by ChaseYou have it, and you know you have it Bill pay was given as an option by YOUR employeeI didn't just make it up I cannot pay online because you have me labeled as a bankrupt person and therefore cannot be trusted to pay through channels This whole thing is just leaving a more sour taste in my mouthIt is obvious that SLS has not the first clue as to what "Customer Service" is truly aboutIf they did then at the very least they would refund the money that they know I should never have had to pay, and an amount that YOUR employee told me I would not have to pay, but yet there it was attached to my monthly bill Thank you so very much for proving my point Final Business Response / [redacted] (4000, 13, 2015/06/22) */ This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on June 11, and received by Specialized Loan Servicing LLC ("SLS") on June 15, regarding prior servicer fees for the above referenced mortgage account Our records indicate that we have previously responded to similar requests on May and June 10, We have enclosed these letters for your records We are unable to waive any outstanding fees assessed by the prior servicer including the $property inspection feeYou may wish to contact the prior servicer if you feel this fee was assessed by them in error Our records are accurate for the property address, including the zip code, based on our legal documentationUntil we get other updated documentation we cannot change this information SLS is obligated under Federal Bankruptcy Law to comply with the requirements of the Automatic StayAt this time we cannot contact you to collect payments because of the discharged Chapter Bankruptcy; however, voluntary payments are accepted to protect your interest in the propertyAs stated previously, you may use the following payment options: Pay online at www.SLS.net (for current accounts) 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 Boulevard, 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, but please note that SLS has already enclosed the same for your reference as outlined above We 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 consideration, and we regret to hear you were unsatisfied with our servicing of your account If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

This letter is in response to a rebuttal with a complaint filed with the Denver Revdex.com(“Revdex.com”) on July 11, and received by Specialized Loan Servicing LLC (“SLS”) on July 21, regarding fees on the above-referenced mortgage account.Our records indicate that we have previously responded to similar requests regarding fees on July andJuly 27, We have enclosed these letters for your records.We have already addressed on how you can complete your payments along with the Western UnionConvenience fee and how you can avoid this feeSLS has complied with your requests for information inaccordance with both state and federal lawEnclosed is a copy of the payment history for your review.As such, we consider this matter closedThis account is contractually due for the July 1, payment inthe amount of $2,718.27.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 ***
***, 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 complaint filed with the Denver Revdex.com (“Revdex.com”) on March 29, and received by Specialized Loan Servicing LLC (“SLS”) on March 29, regarding a loan modification for the above-referenced second mortgage accountAccording to our records, the
enclosed letter and modification dated March 23, states that you were approved for a Standard Modification ProgramThis offer was the best offer based on the financial documents provided and the status of the account at the time the final loan modification application was submittedYou are not required to accept any modification you feel is not beneficial to you. You may also decline this offer in writing or verbally if you decide not to accept this offer. The offer may be automatically cancelled if you do not remit the first payment within the necessary time-frameAt this time, if you wish to pursue a loss mitigation option or have had a significant change in circumstance since the time of this decision, you may wish to complete a new Request for Mortgage Assistance (“RMA”) and return it along with supporting documentationWe have enclosed another copy of the RMA for your convenience.When there is an offer made for loss mitigation, it does not automatically reduce the interest rate or lower the payment; the intent is to bring the account current and to avoid foreclosure with an affordable payment based off the guidelines of any available programsWe must work within the parameters of your investor’s guidelines and the guidelines of any available programs. All loan modification offers are time sensitive.In researching your 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 their reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ###-###-####, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Single point of Contact (SPOC), *** (Teller ID: ***) by calling ###-###-####Financial information and other documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email as follows: ** *** *** *** ** ***, Fax: ###-###-####, Email: ***. Please include the ten-digit loan number on all correspondence

This letter is in response to your correspondence from the Revdex.com Denver/Boulder datedJune 8, regarding the loan modification for the above referenced mortgage account.A retention package was sent to you on May 20, advising you of missing documentsPlease haveall missing
documentation back in office by July 18, in order to be reviewed for possible lossmitigation optionsA copy of your retention package is enclosed for your review.In compliance with the laws set forth by the state of *** ***, enclosed is a copy of your signedNote as well as your payment history for the above referenced loan, along with the following information:? This account is currently due for June 20, in the amount of $? The current principal balance due is in the amount of $5,? There are no funds held in a suspense account? There is no escrow account associate with this account Note holder contact information:Current Creditor: *** *** *** ***, as Indenture Trustee of the *** HomeEquity Loan Trust *** *** *** *** *** *** ** ***As we are the servicer of the loan on behalf of the current creditor, correspondence regarding this loanwill be handled by SLS.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 ***
***, 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 our original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on November 15, and received by Specialized Loan Servicing LLC (“SLS”) on December 5, regarding a streamline modification on your account referenced above.Our records indicate that we have previously responded to similar requests regarding fees and theservicing of this account on November and December 12, We have enclosed these letters foryour records.After review of your account and verification with *** ***, we will honor the streamline modificationoffer that you received on October 7, In order to complete this request, we will need to reverse thefunds from your reinstatement that we received on October 7, and apply the payments for the threetrial modification payments for November, December 2016, and January monthly payment of$1,with a total amount paid of $3,The balance of the reinstatement will be applied to thesuspsense account until the modficiation is completedPlease see the copy of the final loan modificationto be signed and datedOnce the modification is completed, we will then apply the balance of these fundsto your accountAll final loan modifications offer are time sensative and must be signed and completed inthe timeframe allowed (before January 5, 2016) or it may be canceledWe must received the originalsigned documentsBe sure to make a copy for your self and your recordsIf you have any questions,please contact your assigned agent at the telephone number listed below.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
*** 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), *** *** *** *** by calling *** Financial information andother documentation can be forwarded to your Relationship Manager/SPOC by mail, fax, or email asfollows: *** *** *** *** ** ***, Fax: ***, Email: ***Pleaseinclude the ten-digit loan number on all correspondence

Dear *** J*** and *** J***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) and received by Specialized Loan Servicing LLC (“SLS”) February 27, regarding the transfer of servicing and payments for the above-referenced
mortgage account (the “account”) Concerns regarding the servicing of the account by the prior servicer(s) SLS is unable to comment on your concerns regarding the servicing of the account by the prior servicer(s) as we were not a party to the transactions Concerns regarding the transfer of servicing With regard to your concerns, the prior servicer sent a letter dated September 29, (a copy of which is enclosed) advising the servicing of the account was being transferred to SLS effective October 16, 2017. SLS sent a letter dated October 25, (a copy of which is enclosed) advising the servicing of the account had been transferred to SLS effective October 16, Your Mortgage (a copy of which is enclosed) allows for the transfer of investor, lender or servicing without your authorization Concerns regarding the payment increase With regard to your concerns, the prior servicer sent a letter dated October 12, (a copy of which is enclosed) advising that as a result of the escrow shortage in the amount of $1,556.54, the new monthly contractual payment effective December 1, was $1,015.23. Accordingly, on the December 1, contractual monthly payment increased from $to $1, Concerns regarding the application of payments At the time the servicing of the account transferred to SLS the account was due for the November 1, contractual monthly payment. SLS’ records indicate the following application of payments: November 15, $was applied to the November 1, contractual monthly payment; December 15, $was held in the unapplied suspense account as it was insufficient to satisfy the December 1, contractual monthly payment in the amount of $1,015.23; January 12, $was received, $was combined with the December 15, funds in the amount of $to satisfy the December 1, contractual monthly payment and $was held in the unapplied suspense account as it was insufficient to satisfy the January 1, contractual monthly payment in the amount of $1,015.23; February 26, $1,was received and applied to the January 1, contractual monthly payment. $was held in the unapplied suspense account as it was insufficient to satisfy the February 1, contractual monthly payment; March 8, $1,was received, $was applied with the $unapplied suspense account funds to satisfy the February 1, contractual monthly payment and $1,was applied to the March 1, contractual monthly payment SLS has confirmed the application of funds in accordance with the terms of the account. A copy of SLS’ payment history with transaction codes is enclosed Concerns regarding credit reporting As a courtesy, a manual update was submitted to the credit reporting agencies indicating the account was paid as agreed for December 2017, January and February 2018. This update will be received by the credit reporting agencies within hours; however it may take up to days for them to update their records and for this to appear in official reporting. Please use this letter as verification of this update Concerns regarding insurance SLS records indicate $was disbursed on February 13, for the homeowner’s insurance. In order for SLS to research the matter further please provide SLS with a copy of the homeowner’s insurance bill you indicate has not been paid Concerns regarding automatic payments SLS’ records do not indicate the account is enrolled in SLS’ automatic payment program. In order to enroll in SLS’ automatic payment program please complete the enclosed Automatic Payment Program Authorization form or contact SLS at the number below for a Customer Care representative to assit you 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 October 20, and received by Specialized Loan Servicing LLC (“SLS”) on October 24, regarding the escrow payment and taxes on the above referenced mortgage account.This account service
transferred to SLS on December 1, According to the county website the taxinstallments are due twice annuallyYou can contact the tax collector with the county to verify thisinformation.We spoke with you on October 17, regarding the escrow account and paymentsYou requested tospeak with a supervisor and our records reflect the call was dropped or disconnectedYou called back tofurther discuss the tax disbursement, we then opened a ticket for a new escrow anaylsys to becompletedPlease accept our apologies for any inconvenience this has caused.You were not incorrectly assessed a charge from your escrow account in the amount of $Weapplied $for the short payment regarding the first installment of taxes due in 2015, because thetaxes were not paid in full with the prior servicerThis short payment caused the deliquincy in the taxesdueOn October 18, we ran an updated escrow analysis and according to the enclosed escrowdisclosure statement there is an escrow shortage of $-1,(negative)An escrow shortage iscreated when the anticipated escrow balance at the time of the escrow analysis is less than the estimatedrequired balanceWe must collect enough to establish the required balanceUnder regulatorycompliance, we have the option of collecting up to two (2) months of escrow as a cushion, which wechoose to doIn this case, the cushion is $641.86.The escrow shortage on this account was approved to be spread over monthsThe new escrowpayment will begin on December 1, The new escrow amount is $($regular escrowamount plus +$shortage repayment)There have been no inaccuracies found in the recent escrowanalysisThe payment amount is correct based on the projected disbursements and the starting balance.The regular monthly mortgage payment increased from $1,to $1,for the December 1, 2016contractual obligationAccording to our records this account is currently due for November 1, with amonthly payment in the amount of $1,The current principal balance is approximately$122,This is not intended to be a payoff figureWe also have enclosed the payment history andtransaction codes for your 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 ***
***, 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 complaint filed with the Denver Revdex.com ("Revdex.com") on March 16, and received by Specialized Loan Servicing LLC ("SLS") on March 16, regarding the escrow account and penalty fees paid on the above referenced mortgage accountThis account service
transferred to SLS on March 15, This account is currently escrowed for homeowner’s insurance and property taxesOn September 11, SLS paid the taxes in the amount of $4,On September 12, we sent email correspondence to inform you of this tax paymentIn addition to annual taxes, you are responsible for paying supplemental property taxesState law requires the Assessor to reappraise property upon a change in ownership or new constructionIn your case it was due to new constructionThe supplemental assessment reflects the difference between the new assessed value and the old or prior assessed valueThese taxes are the responsibility of the new owner (borrower)On February 21, SLS received a notice of delinquent taxes in the amount of $2,for the taxesOn March 1, we contacted Anne Arundel County and verified these were supplemental taxes to reflect that the homeowner is liableThe total amount due was $2,that included a penalty fee of $The county tax assessor advised that a new bill was generated as the property was new construction and a bill was sent to the homeowner, but the homeowner failed to issue this paymentOn March 2, SLS issued a payment for the supplemental taxes in the amount of $2,At this time there is no additional credit or adjustments due for the penalties paid on the supplemental taxesOn February 27, we completed the annual escrow analysis and according to the enclosed escrow disclosure statement there is an escrow shortage of -$5,(negative)An escrow shortage is created when the anticipated escrow balance at the time of the escrow analysis is less than the estimated required balanceWe must collect enough to establish the required balanceUnder regulatory compliance, we have the option of collecting up to two (2) months of escrow as a cushion, which we choose to doIn this case, the cushion is $The escrow shortage on this account was approved to be spread over monthsThe new escrow payment went into effect with the April 1, paymentThe new escrow amount is $($regular escrow amount plus +$shortage repayment)There have been no inaccuracies found in the recent escrow analysisThe payment amount is correct based on the projected disbursements and the starting balanceThe regular monthly mortgage payment increased from $1,to $2,for the April 1, contractual obligationAccording to our records this account is currently due for May 1, with a monthly payment in the amount of $2,We have enclosed the escrow analysis statement and the payment history with our transaction codes for your recordsWe have researched your account and our records indicate that the escrow account and fees 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