Specialized Loan Servicing, LLC

Initial Business Response /* (1000, 6, 2015/08/24) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on August 12, and received by Specialized Loan Servicing LLC ("SLS") on August 13, regarding billing statements for the above-referenced
loan
Our records indicate that your Chapter bankruptcy was discharged on April 8, SLS is obligated under federal bankruptcy law to comply with the requirements of the Automatic StayThis information is provided in response to your request and does not constitute a demand for payment
SLS does not send out payment bookletsAccording to our records this account is currently paid through December 1, with a voluntary payment in the amount of $The current principal balance is approximately $40,This is not intended to be a voluntary payoff figureWe have enclosed a copy of the payment history with transaction codes for your records
As stated above, SLS is obligated under federal bankruptcy law to comply with the requirements of the automatic stay, which precludes any attempt to collect a debt, including billing statementsYou are able to contact our Customer Care department at the number listed below to obtain information regarding your accountAdditionally, if you would 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 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 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 Business Response /* (1000, 6, 2015/12/01) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on November 13, and received by Specialized Loan Servicing LLC ("SLS") on November 19, regarding documents regarding the *** *** *** of
*** *** mortgage account
This account service transferred to SLS on June 1, For your records we enclosed a copy of the prior servicer's letter notifying you of the change in the service provider and a copy of the Notice of Servicing Transfer to SLSThis HELOC account has been frozen since the service transfer with the prior servicer on June 9, Since the HELOC account did not transfer with an outstanding balance, no billing statements would have been provided
According to our records, this account was paid off and closed on September 25, and reflects a zero ($0.00) principal balanceEnclosed is a copy of the recorded lien release for the account
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 /* (2000, 8, 2015/12/07) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The necessary paperwork miraculously showed up in the mail shortly after the complaint was filed; however, the account was not "paid off and closed on September 25, 2015" as SLS statesThat is in direct contradiction to the statement from SLS indicating "since the *** account did not transfer with an outstanding balance..." (transfer was 6/1/2014)The response is a perfect example of SLS not having their records straightThe documentation they sent me after I filed the complaint was an original and was dated 2007! Yet it took them over months to locate and send that and during that time gave a different story every time I or our lender contacted themNobody at SLS really knew what the situation was, nor did they take the time to research it until the complaint was filedCustomer service was abominable to say the leastThankful to not have to deal with them further

Complaint: ***
I am rejecting this response because: they would not let me make a payment when I tried to make my payment I was told I did not have an acount set up yetHow can I be held responsible for errors on sls endI was told I cant make a payment......this is there fault not mine own up to your not handling my acount properlyThis is on a recorded lineHow can you say it is my faultI was told not to worry this would not effect my creditI was told this on a recorded lineThen its reported to the cra as being lateI will join the law suit against sls for them doing this to hundreds of other peopleThis company makes a habbit out of doing thisWere are my rightsI will not stop fighting this
Sincerely, *** ***
*** ***

This letter is in response to your correspondence dated July 23, and received by Specialized LoanServicing LLC (“SLS”) on July 23, regarding credit reporting for the above referenced mortgageaccount.Our records indicate that we have previously responded to a similar request for credit
reporting on July21, We have enclosed this letter for your records.SLS is a third party servicer, contracted by the investor to service this loan per the terms of the originalloan documentsYour payments are due on the first of each month with a day grace periodWe reportto the credit bureaus accurately and for any delinquencies after and during the Chapter Bankruptcy.We would not report to credit only if the Chapter Bankruptcy was discharged and the property wassurrenderedAll payments made with the Bankruptcy Trustee are listed as “RP” for repayment plan on the attached payment historyWe have enclosed a copy of the payment history and transaction codes foryour records.In review of the credit reporting for this account we found there are no inaccuracies in the information wehave reported 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 acourtesyIf 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 creditreport(s)We have enclosed a copy of the payment history with our transaction codes for your reviewand records.At this time we do not show any outstanding fees due as they all have been paidThis account iscontractually due for the August 1, payment in the amount of $671.90.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 above, 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

Initial Business Response /* (1000, 6, 2015/12/01) */
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on November
24, and received by Specialized Loan Servicing LLC ("SLS") on November 25, regarding
payments and the escrow account for the
above referenced mortgage account
For informational purposes the payments are due on the account on first (1st) of the monthThere is an
allotted a fifteen (15) day grace period in order to avoid the assessment of late fees on the account
Payments received at an SLS location on a business day prior to 5:p.mET and in proper form will be
effective dated as of the date of receipt
Specialized Loan Servicing (SLS) has received your cease and desist request, effective November 25,
Accordingly, the borrower's home and work telephone numbers have been removed from our
records and they will no longer receive collection calls of any kindOur only communication will be
through written correspondence henceforth
We have enclosed a copy of the Escrow Disclosure Statement sent to you dated September 1,
This advises due to an escrow shortage the payments will change with the payment due November 1,
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
Initial Consumer Rebuttal /* (3000, 8, 2015/12/02) */
(The consumer indicated he/she DID NOT accept the response from the business.)
My October payment was mailed and postmarked days prior to the due dateThey are illegally holding mailed payments to assess a late feeI want October's late fee removed from my accountThere is no way it was late
Final Business Response /* (4000, 10, 2015/12/10) */
This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") on December 2, and received by Specialized Loan Servicing LLC ("SLS") on December 3, regarding late charges for the above referenced mortgage account
Our records indicate that we have previously responded to a similar request made regarding this accountWe have enclosed our letter dated November 30, for your records
According to our records the October 1, payment of $3,did not post to your account until October 19, which was after the fifteen (15) day grace periodYour payments are due on the first (1) of the month and you are allotted a fifteen (15) day grace period before a late fee of 5.0% of the principal and interest portion of the payment is assessed according to the enclosed copy of the NoteThis is why the October billing statement reflects late charge in the amount of $We are not responsible for late payments resulting from a mailing delayPlease be advised payments entered after 6:PM Mountain Time Monday through Friday, during the weekend, or on holidays will not be posted to your account until the next regular business dayIf you have submitted this payment prior to the day grace period, send in the proof of this payment within the day grace periodOnce we have received your documentation we can then further review the late charges on this account
In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above
If you have any questions regarding this information, please contact Customer Care toll free at ***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday through Friday, 8:a.muntil 5:p.mMT

Complaint: ***
I am rejecting this response because: as I stated, no one there was willing or able to help us in any wayI was in touch with them asking about options and never got answersTerrible company to deal with! My credit is messed up because no one could ever answer my questions!
Sincerely,
*** ***

This letter is in response to a rebuttal with the original complaint filed with the Denver Better BusinessBureau (“Revdex.com”) on September 28, and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and a dispute received on October 13, regarding fees on the above referencedmortgage account.Our records indicate that we have previously responded to a similar request regarding fees and paymentson October 12, We have enclosed this letter for your records.The enclosed letter dated June 15, indicates a notice of default and notice of intent to foreclose.This letter reflects this account was due for the March 1, payment and each month due thereafter.This also discloses that failure to pay the amount due under the terms and contitions of your mortgagemay result in acceleration to include all other outstanding charges and costs and commencement offoreclosure of the mortgage.With the enclosed copy of the original reinstement, it states that a reinstatement is to bring your monthlypayments contractually currentIt states that other expenses may be incurred and may be greater thanthe amount providedThis letter was not intended to act as a payoff statement or a demand to pay theaccount in full which would have included any additional fees or costs.Our records indicate that on September 21, there were additional fees billed to this account in theamount of $and $for expense advancesThe total amount of unpaid fees is $1,Theaccount was seriously delinquent and in active foreclosure prior to the reinstatementWhen an accountis in active foreclosure, a number of related legal services are orderedFees for these services are billedto the account once the legal vendors’ bills come inFor this reason, fees can appear even after the account is reinstated out of active foreclosureThese fees are considered valid, and we are unable toissue a creditEnclosed is a copy of our payment history and transaction codes for the above referencedloan for your review and records.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ***, Monday throughFriday, 8:a.muntil 5:p.mMT

Initial Business Response /* (1000, 7, 2015/05/28) */
Dear *** ** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on May 8, and received by Specialized Loan Servicing LLC ("SLS") on May 20, regarding your request to unfreeze the
above referenced *** *** *** of *** ***
Our records indicate that we have previously responded to a similar request with our correspondence dated December 11, and January 13, Copies of these letters are enclosed for your reviewPlease note that Specialized Loan Servicing LLC ("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
The Notice of Default and Notice of Intent to Foreclose letter you received is correspondence we are required by law to send as it outlines the status of the account, how to cure the default and our intentions regarding this accountDisclaimers are included for the borrowers' protection
After review of our records we confirmed that your account is no longer in a flood zoneAs such, you are not required to have flood insurance, and your account is currently not escrowed
After a review of the mortgage account and the payment history, we found that SLS is reporting information to the credit reporting agencies accuratelyIn accordance with the Fair Credit Reporting Act (FCRA), SLS is required to report payments and account status accurately; therefore, credit cannot be corrected as a courtesyEnclosed is a copy of the payment history and transaction codes for your review
SLS is not a financial institution and is unable to refinance your loan
If there is a specific item on your credit reporting that you are disputing, please provide our office with a signed letter detailing your dispute along with an unedited copy of the credit reportOnce this information is received, we will review the matter further
In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMTor TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT

Dear *** ***, This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on December 20, and received by Specialized Loan Servicing LLC (“SLS”) on December 21, regarding credit reporting on the above-referenced mortgage account (the
“account”) With regard to your concerns about the credit reporting, SLS’ records indicate on November 2, SLS received your payment in the amount of $20,which was applied to the October 1, contractual monthly payment and paid the account in full. A copy of SLS’ payment history with transaction codes is enclosed After review of your correspondence, as a courtesy to address your concerns, a manual update was submitted to the credit reporting agencies on January 2, 2018, indicating the October contractual payment as paid as agreedThis update will be received by the credit agencies within hours; however, it may take up to days for them to update their records and for this to appear in official reportingPlease use this letter as verification of this update In compliance with the laws set forth by the State of North Carolina, enclosed is a copy of the signed Note as well as the payment history for the above referenced loan • This account is paid in full with SLS; • There is no principal balance due to SLS; • There are no funds held in a suspense account with SLS; • There is no escrow balance with SLS; Note holder contact information is no longer applicable as the account has been paid in full We have researched your account and our records indicate that the credit reporting described in your dispute was not in errorWe trust that we have responded to your concerns. You have a right to request the documents relied on by SLS in reaching the determinations communicated in this letter by contacting us at the number below but please note that SLS has already enclosed them for your reference If you have any questions regarding this information, please contact Customer Care toll free at 1-800-315-4757, Monday through Friday, 6:a.muntil 6:p.mMT or TDD 1-800-268-9419, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) on August 1, and received by Specialized Loan Servicing LLC (“SLS”) on August 2, regarding a debt At this time we are unable to locate an account number affiliated with SLS with the
information you have provided to accurately respond to your request. Please provide an account number for SLS to review your request 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.mMT

Initial Business Response /* (1000, 6, 2015/08/20) */
Dear *** ***,
This letter is in response to the case filed with the Denver Revdex.com ("Revdex.com") on August 11, and received by Specialized Loan Servicing LLC ("SLS") on August 12, regarding a loan modification and a
fee assessed on above-referenced mortgage account
After review of the contractual terms of your loan we have confirmed per your Note the interest only period ended on March 19, We are enclosing a copy of your contractual Note for your review
Our records indicate you requested a loan modification on April 6, The enclosed Loan modification package states that in order to process your application for a home mortgage loan modification, a current home value must be obtainedThe charge for this order will be assessed to your loan accountAs such, we are unable to remove or waive this fee at this timeA copy of the financial package sent to you is enclosed for your review
When reviewing your account for a loan modification, we attempted to reach a Debt-to-Income ("DTI") ratio of 31% or lower; a payment within this DTI ratio is considered an affordable paymentWhen we reviewed the DTI ratio, we compared the gross monthly income to the mortgage expenses provided by youWe do not know if you qualify for a loan modification without reviewing your account
In researching your account, we have found no errorsYou have a right to request the documents relied upon in reaching this determination by contacting us at the number below, but please note that SLS has already enclosed the same for your reference as outlined above
If you have any questions regarding this information, please contact Customer Care toll free at X-XXX-XXX-XXXX, Monday through Friday, 6:a.muntil 6:p.mMT or TDD X-XXX-XXX-XXXX, Monday through Friday, 8:a.muntil 5:p.mMT
Initial Consumer Rebuttal /* (3000, 8, 2015/08/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Contractual or not, the fact that I have to pay this appraisal fee when it had nothing to do with my rejected request is what frustrates meWhether you were within your rights or not, per the loan modification package, it was not ethically right for you to order the valuation since I did not qualify for your modification programsBy the way, the valuation you ordered was garbageI perform these for a living for my customers and they are at no cost and are better in every way
Also, taking months to reach this decision shows terrible customer service on your partYour customer service department is slow, uneducated and unprepared to handle the simplest of tasks and it would be nice to receive a call back when I leave messagesIt would also be nice to hear back from your organization as to items you say are missing (especially when they were all delivered multiple times through multiple mediums)
Your organization is inadequate at best and should not be handling any aspect of lending, much less consumer home lendingBelieve me, I am going to check every aspect of my application and decision deadlines and if anything is out of compliance you and whatever regulatory organization that governs you will hear about itmonths for a response, something had to have been dropped there
Final Business Response /* (4000, 13, 2015/09/10) */
Dear *** ***,
This letter is in response to your rebuttal of the case filed with the Denver Revdex.com ("Revdex.com") on August 11, and received by Specialized Loan Servicing LLC ("SLS") on August 12, regarding a loan modification and 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 August 20, 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
Though requests for documentation may seem redundant, the loan's investor may ask for current or more comprehensive financial information at any timeThis is in addition to information that may have appeared complete previouslyAdditionally, documents may be invalid due to their not being signed, or not being completed correctly
We realize that the loan modification review may be lengthy process; 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
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
Final Consumer Response /* (2000, 15, 2015/09/11) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Although I am selecting to except the "proposed resolution", I still cannot believe this is the process in which you all conduct loan modifications like mineI am also still not happy with the manner in which this transaction occurred and the slowness in response to my modification request

Initial Business Response /* (1000, 9, 2015/09/15) */
This letter is in response to a complaint filed with the Denver Revdex.com ("Revdex.com") on September 2, and received by Specialized Loan Servicing LLC ("SLS") on September 3, regarding payments, late fees and credit reporting
for the above referenced mortgage account
It is your responsibility when you move to update your mailing address on all your credit accounts
Because of this your prior servicer did not have your correct mailing address and once this account service transferred to SLS on February 2, we also had an incorrect mailing address for youThis is why you did not receive our Welcome letter and a billing statementWe have updated and corrected your mailing address once you contacted SLS in order to receive billing statements for this account
According to our records and after our review, we have verified and located the funds in the amount of $5,were posted to your account on September 4, for the May, June, July, August, and September mortgage paymentsThis account is current and up to dateThe contractual due date is October 1, in the amount of $1,There was a request in order to waive any late fees, but according to our records, we have no record of late fees that were charged to your accountWe have enclosed a copy of the payment history along with the transaction codes for your records
When a loan transfer occurs, SLS 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 transferAfter this transition period ended, for the months of June, July, and August our records show that this loan was showing as days delinquentIn 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 courtesy
In order to review credit reporting on this account we will reach out to the prior servicer to verify the payments completed after the service transfer and the refunded payments back to youIf you would like to escalate this process for us to review for credit reporting you can also send us the documentation neededIn order to review we will need proof of payments with an unedited bank statement showing all payments that were paid from your bank account along with the documentation of these payments being refunded back to you from the prior servicerOnce we receive this documentation we can further review credit reporting
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 for a complaint originally filed with the Denver Better BusinessBureau (“Revdex.com”) on July 13, and received by Specialized Loan Servicing LLC (“SLS”) on August 16, regarding a loss mitigation review for the above-referenced second mortgage account.Our records indicate that we have previously responded to similar requests regarding a short sale on July22, August 4, and August 12, We have enclosed these letters for your records.According to the enclosed letter dated August 12, you were approved for a Standard Short SaleProgram.SLS adheres to all state and federal guidelines in reference to the servicing of the mortgage loan anddissemination of personal data.In compliance with the laws set forth by the state of North Carolina, enclosed is the following information:? This account is currently due for the January 25, payment in the amount of $and for each payment that has come due thereafter.? The current principal balance due is in the amount of $23,? There are no funds being held in a suspense account? There is no escrow accountNote holder contact information:The Bank of New York Mellon f/k/a The Bank of New York as successor Indenture trustee to JPMorganChase Bank, National Association for CWHEQ Revolving Home Equity Loan Trust, Series 2006-I*** *** *** **
*** *** ** ***As SLS is the servicer on behalf of the Note holder, correspondences made with the Note holder will behandled by SLS.Enclosed is a copy of your signed Note as well as your payment history for the loan.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 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 throughFriday, 8:a.muntil 5:p.mMTYou may also contact your assigned Relationship Manager/Singlepoint of Contact (SPOC), Christel (Teller ID: ***) 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

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onNovember 15, and received by Specialized Loan Servicing LLC (“SLS”) on November 16, 2016regarding fees and servicing of your account referenced above.On October 6, we sent you a pre-approved loan modificationThe streamline modification was notfinalized because this account was reinstated on October 7, On November 14, we waviedfees in the amount of $as a one time courtesy because these fees were billed before wecompleted the reversal of funds from ‘curtailment’ (reduction of the unpaid principal balance) withadditional funds to bring this account currentOn November 14, we reversed the funds in theamount of $from curtailment and placed these funds in the unapplied funds suspense accountOnNovember 15, we received a Western Union Speedpay payment in the amount of $1,alongwith funds from the unapplied funds suspense account to complete the November 1, payment withthe balance remaining being applied to fees dueThe fee in the amount of $was to access to theproperty that was secured by SLS (property inspection fee) and the fee in the amount of $was forthe August payment that was 45+ days delinquent which was not billed until after the loan wasreinstatedThese fees were billed on November 21, These fees will not removed or waivedWehave enclosed a copy of the payment history and transaction codes for your records.This account is contrauctully due for the December 1, payment in the amount of $1,951.53.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.mMTFinancial information and other documentation can be forwarded bymail, fax, or email as follows: *** *** *** *** ** ***, Fax: ***

This letter is in response to a complaint filed with the Denver Revdex.com (“Revdex.com”) onSeptember 28, and received by Specialized Loan Servicing LLC (“SLS”) on September 28, and adispute received on September 29, regarding fees and payments on the above referencedmortgage
account.On August 31, we received your payment in the amount of $15,in order to reinstate youraccountWith this payment, it brought your account current and due for August 1, There wereadditional fees billed to your account for expense advances due to the delinquent and foreclosure statusthat was previsouly on your account.We received your request regarding the fees that were billed to your account in the amount of $1,222.50that are now dueThese fees were incurred prior to the account being reinstated, but were not billed toyour account until August and September 1, which were for attorney fees and foreclosureexpensesThese fees are valid and payable and will not be wavied or removedThe fees wereassessed to the account as follows:• Attorney Expenses of $892.50• Bankruptcy Expenses $330.00Enclosed is a copy of our payment history and transaction codes for the above referenced loan for yourreview and records.In researching your account, we have found no errorsYou have the right to request the documents reliedupon in reaching this determination by contacting us at the number below, but please note that SLS hasalready enclosed the same for your reference as outlined above.If you have any questions regarding this information, please contact Customer Care toll free at ***
***, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday throughFriday, 8:a.muntil 5:p.mMT

The Home Owners Loan was sold from American Service Corporation (ASC) to the current loan servicer (SLS) without my consentASC continued to provide monthly mortgage statements despite by Chapter bankruptcy which was discharge in August I hereby contest that the policy set forth by ASC should continue by SLS as wellNote: I was not allow the opportunity to contest the transfer of the loan and henceforth new policies set by the new mortgage company (SLS)
Thus, I am requesting that this matter/problem be resolve through a mediator or other parties for resolution since there has not been a breach in the Home Loan
*** ***

This letter is in response to a rebuttal filed with the Denver Revdex.com ("Revdex.com") dated
December 18, and received by Specialized Loan Servicing LLC ("SLS") on December 21,
regarding a loan modification for the above referenced mortgage account
Our records indicate that we have previously responded to a similar request regarding a loan modification
on December 16, We have enclosed this letter for your records
Our enclosed letter dated December 10, reflects that you were denied for a modification because
you did not provide us with the documents we requested in the time frame allowed and we were unable to
evaluate for a foreclosure alternativeAs stated in our previous response we were still missing
documentation needed to complete the loan modification reviewWe still need:
Need a valid lease agreement signed by the borrower and the tenant, because the one we
received on July 31, is now expiredThe lease amendment received for the lease extension
was also not signed by the tenant or the borrower
We need a RMA form with all sections completed in fullWe have enclosed a copy for your
convenience
We need valid proof of incomes mentioned on the RMA for all borrowers
Once the necessary documentation is received, your account will be reviewed for potential loss mitigation
optionsThere is no guarantee of approval for any loss mitigation optionOur records do not show that we
received the documents requested regarding the lease agreements
Our records do not reflect a telephone conversation on this account with a supervisor on December 11,
Our records reflect on December 14, you spoke with a supervisor and were advised that you
would need to complete a new Request for Mortgage Assistance ("RMA")We cannot accept documents
that are crossed out or completed incorrectlyWe have enclosed a copy of the RMA for your
convenienceWe have enclosed the RMA along with other financial documents we received on or about
November 3, that were submitted for the last loan modification for your records
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 you and 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 through
Friday, 8:a.muntil 5:p.mMTFinancial information and other documentation can be forwarded by mail, fax, or email as follows: *** *** *** *** ** ***, Fax: ***, Email:***Please include the ten-digit loan number on all correspondence
Complaint Response Date bumped because: Holiday

Complaint: ***
I am rejecting this response because: Negligent lack of communication on this company's part has offset my family's budget by over four thousand dollars for this year On the day of or in the days shortly after the extension denial, a simple phone call, letter or email notifying us would have sufficed and would have prevented this entire situationWe currently do not need a forbearance as that's what we had already done on our own accord by skipping our mortgage payments under the impression that we were covered by an extensionSLS's response to our complaint offers a month forbearance option and "regret" which does not resolve our complaintAs of right now, we are current on our mortgage, but have started the process of refinancing through a different lender
Respectfully,
*** ***

Dear *** J*** and *** ***, 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 November 22, regarding servicing transfer of the above-referenced mortgage account
SLS services this account by the terms of the loan documentsYour loan documents allow for the transfer of investor or lender without your authorizationAdditionally, you were provided notice of transfer of servicing by SLS on November 17, in accordance with the Real Estate Settlement Procedures Act (“RESPA”). As SLS is contracted by your investor to service the account, we are unable to accommodate your request to transfer the servicing of the account to the prior servicer You appear to raise issues concerning an online search of SLS SLS is unable to comment further on concerns that do not pertain to an identifiable aspect of the servicing of your mortgage accountHowever, if you need additional information about your account, or, if you can identify with specificity the error(s) you believe may have occurred while SLS has your loan, we will further respond to such a request in an effort to meet your needs 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 ###-###-####, Monday through Friday, 6:a.muntil 6:p.mMT or TDD ###-###-####, Monday through Friday, 8:a.muntil 5:p.mMT. SLS accepts calls from relay services on behalf of hearing impaired borrowers

This letter is in response to the case filed with the Denver Revdex.com (“Revdex.com”) on November1, and received by Specialized Loan Servicing LLC (“SLS”) on November 1, regarding apayment for the above referenced mortgage account.After review of your account, we did not locate a
payment in the amount of $4,In order for SLS toresearch the issue further please send proof of payment of the $4,in the form of front and backcopies of the check or a rolling bank statement or any other form showing this paymentIt is also notclear as to how you submitted the fundsOur notes indicated there was a wire sent and then it was anelectronic bill payPlease clarifyOnce we receive your documentation we can then review this issue forthis payment.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.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