Statebridge Company, LLC

To Whom It May Concern, This is the response of Statebridge Company, LLC (“Statebridge”) to the communication received in our office on April 19, 2016, regarding *** *** mortgage loan accountOur records reflect that on July 15, 2015, *** *** account was transferred to us for
servicingStatebridge has updated the credit agencies to reflect that *** *** account is current and all payments have been made timely since the loan was transferred to usPlease allow up to days for the update to take effectShould *** *** have any further questions, he may contact our Customer Service Department at *** ***Sincerely, *** *** Borrower Correspondence Team

Complaint: ***
I am rejecting this response because:
Once again I did not have information where to send my payment, I finally received a statement July 13th, which is why I posted a check and mailed on the 15th, therefore I do not want any negative marks on my credit report due to there neglect to inform me of any changes in my accountAgain I have a returned payment for June, I continued to try to resolve the problem by contacting Statebridge company and failed numerous times, I have never had problems with my previous mortgage company paying my bill, I do not want any negative marks on my credit report
Sincerely,
*** ***

Initial Business Response /* (1000, 6, 2015/11/18) */
November 18,
RE: Loan No.: XXXXXXXXXX
Borrower: *** *** ***
Property Address: *** XXXXX
To Whom It May Concern:
This letter is the response of Statebridge Company, LLC
(hereinafter "Statebridge") to your communication dated November 11, 2015, with respect to Mr*** ***' mortgage loan account
Our records reflect that Mr*** inquired about a short payoff on his loan in October, and had submitted a short payoff offer that was in review with the investorHowever, Mr*** stated that he would only do a short payoff if he could make money on the transaction, and he would rather let the property go to foreclosure saleMr*** was informed that is not possible on a short payoff since the investor takes a discounted payoffA full payoff statement was emailed to Mr*** on October 22, An updated payoff statement is enclosed
Statebridge is currently working with Mr*** on the sale of his home, the most recent conversations with Mr*** were held on November 11th, November 12th and November 13th,
Should you or Mr*** have any further questions or concerns, or would like to discuss loss mitigation options, please contact us at (XXX) XXX-XXXX
Sincerely,
*** ***
Borrower Correspondence Team
Enclosures
Initial Consumer Rebuttal /* (3000, 8, 2015/11/19) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept this response from State bridgeI was initially lied to by state bridge representativesmany of them told me that I could offer a short payoff at anytimeI offered them a short payoff of around 22,dollarsThey sais they would submit to the investors for approvalAfter many phone calls they told me that it was approved and they would type the final bill upAfter waiting all day I finally got in touch with *** *** and she informed me that the short payoff was not acceptable and that the representative from state bridge had made a mistakeHer exact words were "She's new here"After this she told me that I had to pay the loan off in fullAt this point I choose not to talk to them anymore because I was sick of being lied toI had Lancaster Title Agency take over the sale of the propertyI found a buyer for the house and I'm willing to pay the loan off in full just as State bridge requested (even though they lied about it to me)The title agency has been trying to work with *** *** from state bridge to get the correct paperwork for the closing for over weeks nowI'm still waiting, the buyer is waiting, the title agency is waiting, the real estate agent is waiting, everyone is waiting on State bridge to get the correct paperwork to the title agency so the note can be paid off and get the house in the buyers nameAt this time I do not have a timeline on when this will get done*** *** tells me that I have done all I can do and "it's in the title agencies hand now""The ball is in their court" she saysIn fact the title agency is waiting on her and state bridge to get the documents to the title agency to finish the closing on the houseAlso every time I call state bridge I get put on holdAt times I've been on hold for minutesI've called over times per dayThey never answer my calls***'s voicemail box is fullIf she does answer she puts you on hold immediately and never picks the phone upState bridge has been very unprofessional and rude and at this point I've not sure when or if ever they will get the correct paperwork to the title agencyCurrently the buyer has the cash money to pay the loan off in full and yet they still won't get the correct paperwork to the title agency or they won't answer my callsI just want to see this thing throughI want state bridge to get the correct paperwork to *** *** *** right away and I want to get this house sold and out of my name so I never have to deal with State bridge Company againAlso I would like State bridge to write me a letter stating when this closing will be finishedI would also like a personal phone call from *** stating exactly when the closing will be finishedI would also like *** to answer my phone calls when I call herI'm tired of getting the "run around" from state bridge
Final Business Response /* (4000, 17, 2015/12/22) */
This letter is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your communications with respect to Mr*** ***' mortgage loan account
Our records reflect that the borrower has been approved to sell the property if the loan is paid off in fullThe title company has been requesting documents that have been supplied to the title company; however, title continues to request additional documentsWe have advised title that we have supplied all the documentation requested and there is nothing further we can provideAs of the date of this response we are waiting on a response from the title company themselvesAs soon as title can confirm the closing date we will order an updated payoff
Should you or *** have any questions or concerns please contact us at ***
Final Consumer Response /* (4200, 19, 2015/12/23) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Statebridge has not contacted me in over a monthI do not have an update and they will not return my callsThe title company is only requesting documemts that they need to close on the house and statebridge (under ohio law ( has to provide the documentsI will not be satisfied under statebridge gets the title company the proper paperwork and the house is soldAs ive said all along, the buyer has the money to pay the loan offil in fullIt is statebridge and statebridge only who is holding this deal up

Statebridge is currently reviewing *** *** account and is aware of the agreementWe are honoring the agreement and upon completion of the agreement, Statebridge will take any necessary steps to make changes to the account to reflect the agreement terms

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 July 27, 2017, regarding Mrand Mrs***’s mortgage loan. Upon review of the loan, Statebridge disagrees with Mrs***’s statement advising she has called to set up payment arrangements. Mrs*** declined a repayment plan during her telephone conversation with a Servicing Specialist on June 17, 2016. Our records indicate numerous unsuccessful attempts have been made to contact Mrand Mrs*** via telephone, in order to determine possible options to bring the loan current since the June 17, telephone conversation If Mrand Mrs*** wish to discuss the possible repayment plan options they are encouraged to contact a Servicing Specialist at the contact number below. If Mrand Mrs*** 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

Thisis the response of Statebridge Company, LLC to the communication received in our office on February 16, 2016, in regards to *** *** mortgage loan accountOn August 24, 2015, *** *** loan was transferred to Statebridge for servicing, At that time *** *** account was due
for the September 1, paymentPursuant to *** *** loan documents, her bi-monthly payments are due to on the 1st and the 15th of each monthStatebridge has corrected the error causing the balances to increase with each payment, instead of decreaseEnclosed is a copy of *** *** payment history showing that the corrections have been completedAs of the date of this response, *** *** has made payments since the account was transferred to us*** *** account is due for the February 15th payment and we have agreed to waive any late charges and phone pay fees for the month of February, to enable *** *** to bring her account currentShould *** *** have any further questions or concerns she may contact our Customer Service Department at *** *** Sincerely, *** *** Borrower Correspondence Team Enclosures

Complaint: ***
I am rejecting this response because: I have called them to set up payment arrangements but they refuse to take payments they want one lump sum.
Sincerely,
*** ***

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

To Whom It May Concern, This letter is the response of Statebridge Company, LLC to the communication received in our office on February 3, 2016, in regards to *** ***’ mortgage loan accountStatebridge has confirmed that *** *** will be receiving monthly billing statements going forward
Enclosed for your review is the February billing statement that was sent to *** *** on February 8, 2016, for the amount due by March 1, As of the date of this response, *** *** account is current and the next payment is due on March 1, Should *** *** have any further questions or concerns she may contact our Customer Service Department at *** ***Sincerely, *** *** Borrower Correspondence Team

To Whom It May Concern: This letter is in response to your correspondence dated May 23, 2016, addressed to the Revdex.com, and received on the same day, about the payment for services rendered by *** *** of *** of Elmhurst on an insurance claim. Statebridge apologizes for the difficulty *** *** has had getting his payment. Unfortunately, the loan transferred around the time the check was to be sent to *** *** and first it was delayed due to the loan transfer and then further delayed by administrative issues related to a new vendor. We received confirmation from our insurance vendor that the check was mailed on May 24, to *** * *** *** *** ** *** UPS Tracking #** *** *** ** *** *** Regards, *** *** Borrower Correspondence Team

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 December 29, regardingMs*** mortgage loan.Upon review of the aforementioned loan, Statebridge has determined Ms
*** receivedinaccurate information during her December 29, 2017, phone conversation with a StatebridgeServicing SpecialistMs*** was advised she would be unable to utilize the Statebridgewebsite to review and make payments on her loan due to the prior bankruptcyMs*** is infact able to review transaction history and make loan payments utilizing the Statebridge website.According to our records Ms*** successfully completed the setup of an online profileon December 29, 2017, at 9:amMSTMs*** may make payments by accessing heronline profile by selecting the make a payment option.If Ms*** experiences any issues in making a payment she may contact Statebridge atthe contact information below and Statebridge’s IT department will work quickly to resolve anyissues.Statebridge completed attempts to reach Ms*** between January 24-25, 2018, toensure all Ms*** concerns have been resolved and to express our apology for the inaccurateinformation provided, in addition to the inconvenience this matter has causedAs these attemptswere unsuccessful Statebridge encourages Ms*** to contact us if there are any remainingconcerns.If Ms*** should happen to have any further questions or concerns, please contact usat (866) 466-3360, Monday thru Thursday 7:am to 8:pm MST., Friday 7:am to 6:pmMST., and Saturday 8:am to 12:pm MST.Regards,Deana J***Borrower Correspondence Team

I have been contacting them daily and try are not taking my calls or when they do they say they have not received the money when they have and will not apply it to my loan

Initial Business Response /* (1000, 7, 2015/09/02) */
September 2,
RE: Loan No.: ***
Borrower: ***
Property Address: ***
To Whom It May Concern:
This letter is the response of Statebridge Company,
LLC (hereinafter "Statebridge") to your communication dated August 18, 2015, with respect to *** mortgage loan account
Per *** request, Statebridge has removed the escrow account on the above referenced loanThe new monthly payment as of September 1, is $901.86, which only consists of principal and interestAdditionally, an escrow surplus check has been issued to *** in the amount of $She should receive this check within the next couple weeks*** will be responsible for maintaining the payments for homeowners insurance and property taxes going forwardIf, at any time, there is not sufficient insurance on the home or the taxes go unpaid,*** could be at risk of having an escrow account added back onto the mortgage loan
Please find enclosed a copy of the payment history since Statebridge took over servicing the loan in November,
Should you have any further questions or concerns, please contact us at ***
Sincerely,
***
Borrower Correspondence Team
Initial Consumer Rebuttal /* (3000, 9, 2015/09/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
If what they say is true, but as of this date I have received only a letter saying they are looking into the matter and it will take several weeksI have not received the check, the payment history or any word from them at this time
I hope what they are telling you is true, but I have found that they are a lot more talk than action
Thank you for looking into this matter and hopefully it is resolved, but as of this date it is NOT RESOLVED
Final Business Response /* (1000, 34, 2015/12/10) */
This letter is the response of Statebridge Company, LLC (hereinafter "Statebridge") to your Revdex.com communication dated October 29, 2015, with respect to your mortgage loan account
Statebridge has confirmed that you received and cashed the escrow refund check in the amount of $on November 17, Additionally, Statebridge has issued the remaining amount of your escrow refund on November 19, in the amount of $You should receive this check within weeks
Should you have any further questions or concerns, please contact us at ***
Final Consumer Response /* (2000, 36, 2015/12/13) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Complaint: ***
I am
rejecting this response because:Because I have been in contact with Statebridge Company since January of this year in reference to the issues surrounding this account, yet, I continue to receive these letters (see attached)They state the same thing that is said in this response they sent to youWe still do not have a resolution.Also, I've sent my last payment to Statebridge on February 20th and received the same letter that you have received / no closure
Sincerely,
*** ***

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on November 16, 2016, regarding *** *** mortgage loan. Upon review of the above mentioned loan it has been determined there is an
ongoing litigation with the Homeowners Association in which *** *** is not a named party. Therefore, the legal fee assessed to the account are not *** *** responsibility and Statebridge has updated the account to reflect as such. Statebridge does not report outstanding fees to the credit reporting agencies, only delinquent mortgage paymentsAs such, Statebridge has not negatively reported to the credit reporting agencies because the account is current If *** *** 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

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

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on November 4, 2016, regarding *** *** mortgage loan. Upon review of the loan, Statebridge has determined there to be no errors
related to applying payments to the loan as payments have been applied as received. On April 16, 2016, servicing of the account was transferred from Chase to Statebridge (the “transfer”) with an unpaid principal balance in the amount of $260, The letter *** *** received in the mail was the notice of servicing transfer and is the required regulatory notice which provides pertinent information about the servicing transfer and other important information regarding the servicing of the loan. Since the transfer, Statebridge’s records indicate that there have been a total of payments received and applied to *** *** account in the amount of $1,693.85. At this time, the account is current, paid thru the November 1, 2016, monthly mortgage payment, and due for the December 1, 2016, the unpaid principal balance is currently $259,226.31. *** *** may request a copy of the loan’s payment history by sending a written request to Statebridge Company, LLC, *** *** *** *** * *** *** *** *** *** ** *** with attention to Escalated Communications, or review his loan payment history on the Statebridge website at http://www.statebridgecompany.com/ Statebridge is unable to comply with *** *** request to remove his ex-wife as co-borrower from the account because Statebridge’s records indicate that both *** *** and co-borrower are both still obligated to repay the loan. We recommend that *** *** seek professional advice for options that may exist to remove the co-borrower as an obligor on the loan Lastly, 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. Unfortunately, this also applies to the customer representatives’ ability to follow up and make outbound calls. Statebridge attempted to reach *** *** on November 16, 2016, using all numbers on file and was unsuccessful If you or *** *** 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

$49,492.18 see attachedI should have included more information on the homeowner*** *** ***
*** *** ***
*** *** ** ***Statebridge took until 5/to find the funds, attached is an affidavit that was sent to them to release the funds by the homeowner. We spoke to them
today 5/23/2016, they still cannot provide a date when a we will get a check!

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on October 20, 2016, regarding *** *** mortgage loan. In reviewing *** *** loan it has been determined at the time the account
service transferred from Chase to Statebridge on April 16, 2016, the account was due for the April 1, 2016, mortgage payment which was not received until May 6, 2016. At this the time account is currently due for the October 1, 2016, monthly mortgage payment. Statebridge has not assessed late charges to *** *** account during the time we have serviced the loan. When the account service transferred to Statebridge from Chase it transferred with late fees in the amount of $and “other fees” in the amount of $145.20. After review Statebridge determined the $was assessed in error and has removed them from *** *** account. Currently, Statebridge is in the process of reviewing all late charges assessed by Chase to determine if they were in fact assessed in error. If it is determined they were issued in error they will be removed from the account. Lastly, if *** *** feels these fees have been assessed in error Statebridge requests *** *** provide supporting documentation such as cashed checks or bank statements to support payments were made within the allowable time frame. Please note fees assessed to the account are not required to be paid in a lump sum but may be broken into smaller amounts as *** *** wishes until such time all fees are paid Statebridge does not correspond via email to any account dispute or concerns, correspondence should be issued to Statebridge in writing and mailed to Statebridge Company, LLC, *** *** *** *** *** *** *** *** ** *** Additionally, 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. Unfortunately, this also applies to the customer representatives’ ability to follow up and make outbound calls. Lastly, customer service is very important to Statebridge and we apologize for *** *** experience, we appreciate you bringing the situation to our attention so that we may review and address If you and/or *** *** 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

This letter is in response to your correspondence dated May 8, 2016, addressed to the Revdex.com, and received on the same day, about the service transfer of Mr***’s mortgage loan. We apologize that the service you received did not meet your expectations, however, any time
there is a large transfer of loans it creates unusually high call volume. A customer service representative spoke with Mr*** on June 10, and confirmed the ***’s mortgage loan account is set up to begin the Automatic Payment (ACH) on May 15, for the May 1, payment. Should Mr*** have any questions regarding his account, our Customer Service representative will be able to provide him information. Regards, Jacquelyn Richards Borrower Correspondence Team Attachments