Statebridge Company, LLC

Initial Business Response / [redacted] (1000, 6, 2015/09/25) */ September 25, RE: Loan No.: XXXXXXXXXX Borrower: [redacted] Property Address: [redacted] MA XXXXX To Whom It May Concern: This letter is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your communication dated September 15, 2015, with respect to [redacted] mortgage loan account Our records reflect that this loan transferred to Statebridge on July 15, from Vertical FinancialStatebridge has researched the payment amount and confirmed that the wrong payment amount was provided at the time of transferStatebridge has updated the escrow payment to be $for a total monthly payment amount of $1,Additionally, our records reflect that the fee in the amount of $was assessed to the account on July 9, for legal feesThis is reflected on the attached payment history The July, payment was being held in a suspense account due to the payment amount being incorrect in the systemNow that the payment amount has been corrected, a task has been opened to apply the July payment accordinglyThat will leave the above referenced account due for August 1, Finally, Statebridge has been experiencing extremely high call volume due to a high volume of newly transferred loansThe call volume is starting to decrease and we do not anticipate this to be an ongoing issue Should you or Ms [redacted] have any further questions or concerns, please contact us at (XXX) XXX-XXXX Sincerely, [redacted] Borrower Correspondence Team Enclosures

To Whom It May Concern: This letter is in response to your correspondence dated May 10, 2016, addressed to the Revdex.com, and received on the same day, about the service transfer of [redacted] mortgage loan Statebridge apologizes for the difficulty [redacted] has had getting his Escrow Analysis completed and his inability to reach the Escrow department Any time a loan is transferred there is often an adjustment period to confirm all the information the prior servicer has provided is correct As a consequence, there are often delays in responding to the borrowers due to the high volume of inquiries when a large number of loans are transferred An Escrow Analysis was completed on May 16, and is attached along with an Authorization for Automatic Payment (ACH)Statebridge sincerely apologizes for the collection call [redacted] received The fifteen day grace period refers to the 15th of the month, since his loan is due on the 1st When Statebridge called [redacted] on April 20, 2016, his loan was past due [redacted] account status is current, and Statebridge has not assessed any late fees or penalties on [redacted] account due to the difficulties [redacted] experienced with reaching customer service representativesShould [redacted] have any questions regarding his account, our Customer Service representative will be able to provide him information Again, we apologize that the service you received did not meet your expectationsAll payments and communication should be sent to Statebridge Company, LLC, [redacted] ***, or you may contact us at [redacted]

This letter is in response to your correspondence dated May 2, 2016, addressed to the Revdex.com, and received on the same day, about the service transfer of [redacted] mortgage loan We apologize for the wait time for reaching a customer representative, however, any time there is a large transfer of loans it creates unusually high call volume A customer service representative called [redacted] on the two telephone numbers we have on file and was unable to reach her or leave a message as the mailbox was full Please call [redacted] , a customer service representative at his direct line [redacted] If the line is busy, please leave a message and he will call you back within hours excluding weekends Statebridge’s system currently does not reflect any late fees or penaltiesShould you have any questions regarding late fees or penalties, [redacted] will be able to provide you information on when fees are assessed and how they applyAll payments and communication should be sent to Statebridge Company, LLC, [redacted] ***, or you may contact us at [redacted] Sincerely, [redacted] Borrower Correspondence Team

This letter is in response to the correspondence dated, July 22, 2016, addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on July 25, 2016, regarding [redacted] mortgage loan The enclosed correspondence dated April 29, 2016, was issued to notify [redacted] that his mortgage account had been transferred from Chase to Statebridge In reviewing [redacted] account it was determined the telephone payment taken on June 30, 2016, was not deducted from his account due to inaccurate account information Therefore, the $phone payment fee was reversed from his account Due to the delinquency on the account [redacted] is unable to make payments online Once an account has reached days past due the online payment option is automatically disabled Online payments will remain disabled until such time the account is brought current Currently, [redacted] payment options are to mail in a check, complete a phone payment, or lastly via Western Union bill pay If [redacted] is receiving an error while trying to make a payment using Western Union he will need to contact them directly as they are a separate entity from Statebridge Additionally, once the account is brought current [redacted] may sign up for Automatic Clearing House (“ACH”) payments, this is an option that has no fees associated with it We apologize for the wait time for reaching a customer service representative, however, any time there is a large transfer of loans it creates unusually high call volume Unfortunately, this also applies to the customer representatives’ ability to follow up and make outbound calls If you and/or [redacted] should happen to have any further questions or concerns, please contact us at ###-###-####, Monday thru Thursday 7:am to 8:pm mst., Friday 7:am to 6:pm mst., and Saturday 8:am to 12:pm mstTell us why here

This letter is in response to your correspondence dated July 12, 2016, addressed to the Revdex.com, and received on the same day, about the taxes not being paid on the [redacted] mortgage loan Statebridge has contacted the county assessor’s office multiple times and was told by a clerk that the taxes are current for this property and are not due again until October Statebridge has made repeated attempts to get a copy of the tax statement, but we were unable to obtain one from the county Additionally, we contacted the local sheriff and were told there was no tax sale scheduled for this property If the [redacted] could fax or email the tax statement to Statebridge, we could investigate further Regards, [redacted] Borrower Correspondence Team Attachments

Initial Business Response / [redacted] (1000, 11, 2015/12/09) */ Please disregard the prior response, as this was for another loanRegarding this case the follow was reviewed and determined: This is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your communications with respect to [redacted] mortgage loan account Our records reflect that acceptable proof of hazard insurance coverage for the property has not been receivedOn September 2, 2015, and on October 2, 2015, Statebridge sent the borrower the enclosed letters, advising him that we required evidence of insurance effective October 1, Due to the fact that we have not received acceptable proof of insurance coverage on the property, on November 30, 2015, Statebridge purchased Lender Placed Insurance on the borrower's behalf and charged the borrower's account $Please see the attached copy of the Payment History confirming the borrower's account was charged for Lender Place InsuranceShould the borrower provide proof of acceptable continuous coverage, we would be able to remove the Lender Placed Insurance and issue a refund to the borrower's account Finally, we are in the process of verifying the property taxes due and a payment will be made within the next days Should you or [redacted] have any questions or concerns please contact us at [redacted]

This letter is in response to the correspondence dated, June 29, 2016, addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on the same day, regarding Mrand Mrs [redacted] ’s mortgage loan In reviewing the above mentioned loan it has been determined Statebridge began servicing the account on April 16, At this time, the account was due for the April 1, The total monthly mortgage payment is in the amount of $830.48; currently, there is $sitting in an unapplied account as a full payment has not been received Due to the delinquency on the account we are unable to accept a payment less than the $1,as indicated in the enclosed Notice of Intent to Accelerate (“NOI”) dated June 6, Mrand Mrs [redacted] would need to provide $in additional funds no later than the July 11, date stated in the NOI Enclosed is a copy of the payment history since Statebridge began servicing the account If Mrand Mrs [redacted] feel they have submitted funds beyond the $we respectfully request they submit a detailed correspondence along with proof of payment so we may conduct additional research Lastly, our records indicate that Statebridge has not reported the [redacted] ’s account to any credit bureaus as delinquent If you and/or Mror Mrs [redacted] should happen to have any further questions or concerns, please contact us at ###-###-####, Monday thru Thursday 7:am to 8:pm mst., Friday 7:am to 6:pm mst., and Saturday 8:am to 12:pm mst

Complaint: [redacted] I am rejecting this response because: We began requesting the W-information on June 6thIt was not until July 14th that a representative named [redacted] informed us of the 3rd party letter we needed to sendThis was after speaking with Statebridge for at least times with different individuals who were unable to determine what we needed I was also told that the check for $was initially not applied because our account number was not on it I have the email from [redacted] stating there was no account number attached as well as the Bank check where the account number is clearly marked I also have documentation from 9/6/when I spoke with [redacted] and asked if I could make a payment so our account would not get so far behind and I was told not to make a payment until the $was "straightened out" There are numerous other documented calls after this however another significant call was on 10/11/when I spoke with [redacted] I was told she would send me loan modification paperwork I have never received this paperwork I was again instructed not to make a payment until this was all "straightened out" Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 6, 2015/12/08) */ This letter is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your communications with respect to [redacted] mortgage loan account On December 2, 2015, the borrowers were approved for a Trial Payment Plan The terms of the Trial Payment Plan requires an initial deposit of $50,000.00, which must be paid on or before December 15, via certified fundsFurther, three trial monthly payments of $2,210.41, must be made beginning on January 1, The enclosed Trial Payment contract details the terms and conditions of the Trial Payment PlanIf all the terms and conditions of the Trial Payment Plan are met by the borrowers then the loan will be modified Should you or [redacted] have any questions or concerns please contact us at [redacted]

Our records reflect that on January 22, 2016, [redacted] account was transferred to Statebridge for servicingOn February 12, 2016, Statebridge was advised that the policy was due for renewalOn February 25, 2016, Statebridge remitted payment to [redacted] in the amount of $1, Statebridge has confirmed that the funds were received by [redacted] on March 7, 2016; however, [redacted] has advised that in order to reactivate the policy they are waiting for the [redacted] to call [redacted] back to authorize the activationOnce [redacted] calls them back the policy will be active

This letter is in response to the correspondence addressed to the Consumer Financial Protection Bureau (“CFPB”), and received by Statebridge Company, LLC (“Statebridge”) on February 15, 2017, regarding Mr [redacted] ’s mortgage loan Upon review of the aforementioned loan, Statebridge determined an escrow analysis was completed on February 15, 2017, per Mr [redacted] ’s request which resulted in a lower monthly mortgage payment A copy of the escrow analysis was provided to Mr [redacted] via the [redacted] If you should happen to have any further questions or concerns, please contact us at [redacted] , Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MST

Complaint: [redacted] I am rejecting this response because: This company has a History of charging late fees to others in my same situation and takes same attitudeProve the mail came in on time as proposed by the Bank mailing the paper check to StateBridgeAll I can say is in past years using this method of payment, all paper checks have arrived on or before the day claimed by the Bank mailing the checkStateBridge in my opinion is just trying to make another $charging consumers for paying on line- while others do not charge at allAlso note StateBridge says they do not make loans but it appears they have or loan originators registered with the NMLS to write loansAnd again, all ome has to do is [redacted] STATEBRIDGE to read other multiple complaints of same issue as mineStateBridge claiming to receive the paper chech from the Bank days plus after it was mailed and never having a issue before with the "Bill Pay" from there Bank until trying to mail to StateBridgeThis Company either intentionally extorts money from it's customers or they have a serious problem accounting for PAYMENTS RECEIVED Sincerely, Paul [redacted]

This letter is in response to your correspondence dated June 14, 2016, addressed to the Revdex.com, and received on the same day, about credit reporting on the [redacted] ’ mortgage loans Statebridge reviewed the payment histories and credit reporting on the [redacted] ’ accounts The [redacted] are being reported late on the [redacted] account for the March 15, through the May 15, payments The March 15, payment for [redacted] was not posted until June 21, Please see the attached payment histories for confirmation If the [redacted] records do not agree with the enclosed payment histories, please have them provide our office with proof of payments by providing copies of deposited checks, bank statements or tracking information to any missing payments Regards, [redacted] Borrower Correspondence Team Attachments

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on January 18, 2017, regarding Mr [redacted] ’s mortgage loan Upon review of the above mentioned loan, Statebridge has determined Mr [redacted] was provided inaccurate information during his call on December 8, 2016, with a Servicing Specialist regarding the waiver of late fees As Mr [redacted] brought his account current based on the understanding the late fees on his account would be waived, Statebridge has honored the agreement and waived the late fees in the amount of $If Mr [redacted] should happen to have any further questions or concerns, please contact us at [redacted] , Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MST

To Whom It May Concern: This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on February 10, 2017, regarding Mr [redacted] ’s mortgage loan Statebridge credits all payments received on the date they are received and does not hold payments Payments received after the day grace period, if applicable, will be assessed a late fee as prescribed in the mortgage and promissory note Upon review of the aforementioned loan, Statebridge has determined Mr [redacted] ’s January 1, 2017, monthly mortgage payment was received and credited on January 19, Statebridge disagrees with Mr [redacted] ’s assertion that it has the documentation requested supporting the payment was received on January 13, Mr [redacted] provided a screen shot within an additional complaint which indicates a paper check was issued on January 9, 2017, but it does not contain delivery informationStatebridge requests Mr [redacted] provide documentation which supports a delivery date other than an expected delivery date so that additional research into this matter can be completed Mr [redacted] requested Statebridge’s Banking license number during his telephone conversation on February 1, with a Servicing Specialist supervisor However, as Statebridge is a loan servicer and not a bank there is not a Banking license number to provide Mr [redacted] was provided Statebridge’s NMLS license number If Mr [redacted] should happen to have any further questions or concerns, please contact us at [redacted] , Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MSTTell us why here

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Sincerely, [redacted] - [redacted]

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on January 25, 2017, regarding Mr [redacted] ’s mortgage loan Upon review of Mr [redacted] ’s loan, Statebridge determined the loan service transferred effective November 3, 2016, from [redacted] ***, due for the April 15, 2016, monthly mortgage payment and in an active foreclosure status Due to the delinquency of the loan Therefore, Statebridge continued working the file as an active foreclosure and the foreclosure fees provided on Mr [redacted] ’s payoff were due to fees accrued while Statebridge serviced the loan If Mr [redacted] ’s should happen to have any further questions or concerns, please contact us at [redacted] , Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MST

Initial Business Response / [redacted] (1000, 6, 2015/10/26) */ October 26, RE: Loan No.: XXXXXXXXXX Borrower: [redacted] A [redacted] Property Address: [redacted] TN XXXXX To Whom It May Concern: This letter is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your communication dated October 14, 2015, with respect to Ms [redacted] 's mortgage loan account Our records reflect that this loan transferred to Statebridge on September 23, from Select Portfolio Services (SPS)At the time of transfer, SPS provided a due date on the loan of June 1, Statebridge then received a payment on August 17, in the amount of $300.00, which was applied to the June 1st payment and the remaining amount was placed in a suspense account as a creditPer the payment history provided by SPS, the last payment received by SPS was on June 12, and was applied to the April and May, paymentsIf Ms [redacted] has made additional payments that are not reflected on the payment histories enclosed, she must provide proof of these payments to Statebridge so that further research can be completedAny payments made to SPS during the transfer of servicing should be forwarded to Statebridge by SPS Our records further reflect that the above referenced loan is currently in a HAMP modification and those terms will remain the same with StatebridgeFor debt validation purposes please find enclosed copies of the HAMP Modification Agreement, the original Note and Mortgage and the Notice of Servicing TransferAs of the date of this letter, this loan is currently due for the July 1, payment and the total amount due is: payments due (July - Oct) $ Other Fees (inspection fee) $ Unapplied Credit ($112.56) Total Amount Due $ Should you or Ms [redacted] have any further questions or concerns, or would like to discuss loss mitigation options, please contact us at (XXX) XXX-XXXX Sincerely, Sharri [redacted] Borrower Correspondence Team Enclosures

Tell us why hereThis letter is in response to Ms [redacted] rebuttal to Statebridge’s Revdex.com response Statebridge again contacted the county clerk, county sheriff and finally called the county clerk again, stating that [redacted] claiming taxes owed and county clerk and sheriff state they are not The county clerk suggested we contact the County Attorney The County Attorney, [redacted] , said that she placed this tax bill into a tax agreement, so it will be protected from being sold at the auction on August 26, She is sending the tax statement to Statebridge next week and we will be paying it within days of receipt[redacted] can contact the County Attorney for confirmation If [redacted] has any questions or concerns, please contact our Customer Service Department at [redacted] , Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MST

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on November 30, 2017, regarding [redacted] ’s mortgage loan Upon review of the above-mentioned loan, Statebridge Servicing Supervisor, [redacted] contacted [redacted] on November 30, 2017, in order to review the payment application on the loan and educate [redacted] how to review the monthly perodic statement including the payment application section Statebridge received payments in the amount of $100.00; the first on August 1, and the second on September 1, 2017, which was credited to the suspense account as it was not enough to satisfy a full monthly payment These funds were accounted for within the reinstatement quote dated September 29, On October 24, 2017, these funds were removed from the suspense account and combined with the reinstatement funds in the amount of $3,received on October 23, 2017, to reinstate the loanThese funds were credited toward the May 1, through October 1, mortgage payments in the total amount of $3,282.36, $toward the late charges, $toward the inspections, and $toward the BPO fee As of the date of this correspondence, [redacted] ’s loan is due for the December 1, 2017, monthly mortgage payment and there are no outstanding fees When [redacted] concluded the telephone conversation [redacted] expressed her understanding and appreciation for the communication regarding the resolution to her concerns If [redacted] should happen to have any further questions or concerns, please contact us at (866) 466-3360, Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pm MST., and Saturday 8:am to 12:pm MST