Statebridge Company, LLC

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 January 22, 2018, regarding Mr. [redacted] mortgage loan.    Upon review of the aforementioned loan,...

Statebridge has determined Mr. [redacted] contacted Statebridge on January 15, 2018, to advise he was unable to access his online account.  At which time, the Servicing Specialist attempted to reset the online account password in order to unlock the account.  Due to this attempt being unsuccessful the Servicing Specialist submitted an I.T. research ticket.  After I.T. reviewed the ticket they determined they needed to reset Mr. [redacted] profile, as a result of the reset, a new profile will need to be set up.  This can be completed using the steps below:   Click the I am a New User button. They will be required to enter a username, which can be the same username they had before the profile was reset, as long as the username is not already taken.Enter a new password. They are required to enter a password, which can be the same password they had before the profile was reset.Select new security questions, and enter new answers for the questions they select.Enter their email address.Select a new Security Image and image title. In addition, Statebridge has attempted to contact Mr. [redacted] on January 17, 2018 and January 18, 2018, to follow up and provide the information above regarding regaining access to the online account, these attempts were unsuccessful.   If Mr. [redacted] should happen to have any further questions or concerns, please contact us at (866) 466-3360, Monday thru Thursday 7:00 am to 8:00 pm MST., Friday 7:00 am to 6:00 pm MST., and Saturday 8:00 am to 12:00 pm MST.

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, 2016 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 representatives. Should [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 expectations. All payments and communication should be sent to Statebridge Company, LLC, [redacted], or you may contact us at [redacted].

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]

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 Mr. and Mrs. [redacted]’s mortgage loan.    In reviewing the above mentioned loan it has been determined Statebridge began servicing the account on April 16, 2016.  At this time, the account was due for the April 1, 2016.  The total monthly mortgage payment is in the amount of $830.48; currently, there is $750.00 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 $1,741.44 as indicated in the enclosed Notice of Intent to Accelerate (“NOI”) dated June 6, 2016.  Mr. and Mrs. [redacted] would need to provide $991.44 in additional funds no later than the July 11, 2016 date stated in the NOI.  Enclosed is a copy of the payment history since Statebridge began servicing the account.  If Mr. and Mrs. [redacted] feel they have submitted funds beyond the $750.00 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 Mr. or Mrs. [redacted] should happen to have any further questions or concerns, please contact us at ###-###-####, Monday thru Thursday 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst.

This letter is the response of Statebridge Company, LLC to the communication received in our office on February 17, 2016, in regards to [redacted] mortgage loan account. Our records reflect that on August 24, 2015, the [redacted] mortgage loan account was transferred to Statebridge for...

servicing. At that time, the [redacted] account was due for the August 1, 2015 payment. The [redacted] monthly payment consists of $301.59 for principal and interest, and $39.79 for escrows, for a total of $341.38 a month. The monthly payment is due on the 1st of the month or a late fee will be accessed on the 16th day after which a payment is due.  Enclosed is the [redacted] account payment history. If the account becomes 30 days or more delinquent, a property inspection is completed, causing a fee to be accessed. Further, enclosed is an escrow analysis completed on February 17, 2016. Beginning with the April 1, 2016 payment, the monthly payment is due to increase to $395.52 a month, due to an escrow increase to $93.93 a month. Our records reflect that we do not have homeowner insurance information for the property; therefore, a policy has been purchased on behalf of the borrowers. Should the [redacted] provide us with proof of homeowner insurance coverage, the lender placed insurance can be removed and a possible refund obtained. Statebridge is currently in the process of verifying the property taxes due and it is possible another escrow analysis could be completed once the property taxes have been verified. Should [redacted] have any further questions or concerns she may contact our Customer Service Department at [redacted]. Sincerely, [redacted] Borrower Correspondence Team Enclosures

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 $15.00 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 31 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 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst. Tell us why here...

This letter is in response to the correspondence dated, June 30, 2016, addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on the same day, regarding Mr. and Mrs. [redacted]’s mortgage loan.   In reviewing the above mentioned loan Statebridge...

has determined the account is currently due for the July 1, 2016, monthly mortgage payment.  A payment in the amount of $564.27 was received on June 7, 2016, satisfying the May 1, 2016 monthly mortgage payment.  The check dated June 1, 2016, under check number [redacted] was received at the payment lockbox location and matches the proof of payment provided under separate cover.  Another payment was not received until July 12, 2016, check number [redacted] dated July 5, 2016, which satisfied the June 1, 2016 monthly mortgage payment.  Statebridge has reviewed our records and has been unsuccessful at locating check number [redacted].  Additionally, proof of payment being received and cashed by Statebridge was not received for this payment.  All that was received was a letter advising the payment was issued.  Enclosed is a copy of our payment history for your reference.   Mr. and Mrs. [redacted]’s account began being escrowed for insurance only by [redacted] as they had not received proper documentation regarding the required coverage.  Effective with their January 1, 2016, monthly mortgage payment per the enclosed escrow analysis completed November 17, 2015 by [redacted].   Statebridge has received the [redacted] home insurance policy for the June 14, 2016 thru June 14, 2017 and updated our records.  However, additional information is required before the force placed policy can be removed.  In order to remove the forced placed policy for the April to June 14, 2016 time frame we must first received documentation illustrating coverage during that time period.  If there was not coverage during that time we will only be able to remove the forced placed coverage beginning June 14, 2016, therefore Mr. and Mrs. [redacted] will be responsible for the amounts advanced to cover the forced placed policy.  We also need verification that the [redacted] policy has been paid in full and does not need to be paid at this time.  Once this additional information has been received and evaluated we will be able to complete an escrow analysis to remove the escrow payment.            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.      If you and/or Mr. and Mrs. [redacted] should happen to have any further questions or concerns, please contact us at [redacted], Monday thru Thursday 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst.

Complaint: [redacted]
I am rejecting this response because: when chase  made you servicer. you refused to pay insurance in timely matter thus was w/o insurance  it lapsed. I complaint to alabama banking dept which audit was done on loan.  the loan was up to date upon you becoming servicer chase collected taxes you collected taxes. this payoff you quoted  included all past payments , insuranance, fees, taxes an remaining of loan  per agreement with chase. you still owe 2016 taxes that you collected. you should of paid taxes oct 1 2016 when was due instead here we are again.
Sincerely,
[redacted]

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 2 payments in the amount of $100.00; the first on August 1, 2017 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, 2017. On October 24, 2017, these funds were removed from the suspense account and combined with the reinstatement funds in the amount of $3,162.96 received on October 23, 2017, to reinstate the loan. These funds were credited toward the May 1, 2017 through October 1, 2017 mortgage payments in the total amount of $3,282.36, $20.60 toward the late charges, $45.00 toward the inspections, and $15.00 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 7:00 am to 8:00 pm MST., Friday 7:00 am to 6:00 pm MST., and Saturday 8:00 am to 12:00 pm MST.

Initial Business Response /* (1000, 6, 2015/10/26) */
October 26, 2015
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, 2015 from Select Portfolio Services (SPS). At the time of transfer, SPS provided a due date on the loan of June 1, 2015. Statebridge then received a payment on August 17, 2015 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 credit. Per the payment history provided by SPS, the last payment received by SPS was on June 12, 2015 and was applied to the April and May, 2015 payments. If 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 completed. Any 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 Statebridge. For debt validation purposes please find enclosed copies of the HAMP Modification Agreement, the original Note and Mortgage and the Notice of Servicing Transfer. As of the date of this letter, this loan is currently due for the July 1, 2015 payment and the total amount due is:
4 payments due (July - Oct) $749.76
Other Fees (inspection fee) $12.00
Unapplied Credit ($112.56)
Total Amount Due $649.20
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

To Whom It May Concern, This letter is the response of Statebridge Company, LLC to the communication received in our office on March 2, 2016, in regards to [redacted] mortgage loan account. Statebridge has attempted to contact the [redacted] by letter several times regarding their property insurance. By letter dated October 23, 2015, (copy enclosed) we requested that the [redacted] provide us with a copy of their homeowner’s insurance policy. On November 22, 2015, we sent the [redacted] another request (copy enclosed), this time for proof of continued insurance coverage, due to the fact that their policy expired on November 21, 2015, and we had not received proof of renewal. The letter further advised that if we did not receive proof of coverage, a policy would be purchased on their behalf. On December 22, 2015, we sent the [redacted] a second request (copy enclosed) advising them that we had not received proof of homeowner’s insurance coverage and that insurance would be purchased on their behalf, if we did not receive proof of coverage within 15 days from the date of the letter. On January 6, 2016, Statebridge notified the [redacted] that we did not receive proof of insurance as previously requested and that we had purchased replacement insurance (“Lender Placed Insurance”) on their behalf, for the coverage term of November 21, 2015 through November 21, 2016, for a premium of $277.19. Should the [redacted] have their own property insurance covering the property, we request that they forward it to our offices immediately: -          Provide policy information via email to [redacted] -          Mail a copy of your Hazard Insurance Declaration Page with your loan number to the mortgagee listed below: Statebridge Company LLC, Its successors and/or assigns [redacted] -          Fax a copy of your Homeowners Insurance Declaration Page with your loan number to [redacted] Upon verification of coverage, Statebridge will cancel the Lender Placed Insurance and seek a refund for any premiums paid during the covered period. Our records further reflect that the [redacted] account is current and the next payment is due on April 1, 2016. Should [redacted] have any further questions or would like to discuss possible loss mitigation options that maybe available to them, please contact our Customer Service Department at [redacted]. Sincerely, [redacted] Borrower Correspondence Team Enclosures

Initial Business Response /* (1000, 6, 2015/11/06) */
November 6, 2015
RE: Loan No.: XXXXXXXXXX
Borrower: [redacted]
Property Address: [redacted] Street, [redacted] XXXXX


To Whom It May Concern:
This letter is in response of Statebridge Company, LLC ("Statebridge") to...

your communication dated October 22, 2015, with respect to [redacted]'s mortgage loan account.
Our records reflect that Ms. [redacted] has been approved for a loan modification and the Modification Agreement was mailed out today, November 6, 2015, via USPS Certified Mail with a tracking number of XXXX XXXX XXXX XXXX XXXX. Statebridge has contacted Ms. [redacted] today as well and advised her that the agreement is on its way.
Additionally, Statebridge is holding the payments in an unapplied account while the modification was being worked out. The payments made will be applied towards the final modification and this is also explained in the Modification Agreement. If Ms. [redacted] has any questions about the agreement, she should contact us at (XXX) XXX-XXXX or directly at (XXX) XXX-XXXX.
Sincerely,
Borrower Correspondence Team
Statebridge Company
[redacted] Suite [redacted] South
Greenwood Village, CO XXXXX
Toll free number: (XXX) XXX-XXXX

This letter is in response to the correspondence addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on January 30, 2017, regarding Mr. and Mrs. [redacted]’s mortgage loan.    Upon review of the above mentioned loan, Statebridge determined...

an updated [redacted] (“[redacted]”) enrollment form was not received until January 31, 2017.  At which time Mr. and Mrs. [redacted]’s loan was not eligible for [redacted] payments as it had exceeded the allowable non-sufficient fund (“NSF”) and placed on a certified funds requirement.  However, Mr. and Mrs. [redacted]’s [redacted] (“[redacted]”) payments should have been suspended once it was determined the account was closed.  Therefore, on February 10, 2017, Statebridge removed the certified funds requirement and reversed the late charge in the amount of $26.77, as well as the 2 $10.00 NSF fees in the total amount of $20.00.  Currently, there is $46.77 sitting in the unapplied account and may be used toward the February 2017, monthly mortgage payment.  Lastly, Statebridge has updated Mr. and Mrs. [redacted]’s [redacted] information to reflect their new account which will begin effective March 16, 2017.      If Mr. and Mrs. [redacted]’s should happen to have any further questions or concerns, please contact us at [redacted], Monday thru Thursday 7:00 am to 8:00 pm MST., Friday 7:00 am to 6:00 pm MST., and Saturday 8:00 am to 12:00 pm MST.

To Whom It May Concern, This is the response of Statebridge Company, LLC (“Statebridge”) to the communication received in our office on March 7, 2016, regarding [redacted] mortgage loan account. On September 2, 2015, [redacted] mortgage loan account was transferred to Statebridge for...

servicing. At that time, her account was already with foreclosure counsel, [redacted], who can be reached at ###-###-####, due to the fact that the account was past due for the December 1, 2014 payment. [redacted] prior servicer Rushmore Loan Management Services (hereinafter “Rushmore”) had referred her account to foreclosure, prior to a repayment plan being offered to [redacted]. On July 28, 2015, Rushmore had offered [redacted] a repayment plan, in an effort to allow her time to bring the account current. Under the terms of the plan, [redacted] was to remit a down payment of $7,000.00, and ten monthly payments, in the amount of $3,650.10, on or by the 15th of the month, beginning with the August 15, 2015 payment, through and including the May 15, 2016 payment, with two final payments of $ 1,070.54, due on or before the 15th of June and July 2016. Enclosed for your review is the repayment plan agreement. Statebridge has spoken with [redacted] prior servicer and they nor Statebridge have ever obtained a signed copy of the agreement. Further, [redacted] has failed to remit the payments timely and maintain insurance on the property under the terms and conditions of the repayment plan. Enclosed for your review is Statebridge’s and the prior servicer’s payment history. Statebridge has attempted to contact [redacted] by letter several times regarding the property insurance. By letter dated November 1, 2015, (copy enclosed) we requested that the [redacted] provide us with a copy of her homeowner’s insurance policy. On December 1, 2015, we sent [redacted] another request (copy enclosed), this time for proof of continued insurance coverage, due to the fact that her policy expired on November 30, 2015, and we had not received proof of renewal. The letter further advised that if we did not receive proof of coverage, a policy would be purchased on her behalf. On December 31, 2015, we sent [redacted] a second request (copy enclosed) advising her that we had not received proof of homeowner’s insurance coverage and that insurance would be purchased on her behalf, if we did not receive proof of coverage within 15 days from the date of the letter. On January 15, 2016, Statebridge notified the [redacted] that we did not receive proof of insurance as previously requested and that we had purchased replacement insurance (“Lender Placed Insurance”) on her behalf, for the coverage term of November 30, 2015 through November 30, 2016, for a premium of $2,062.04. Should the [redacted] have her own property insurance covering the property, we request that she forward it to our offices immediately: -          Provide policy information via email to [redacted] -          Mail a copy of your Hazard Insurance Declaration Page with your loan number to the mortgagee listed below: Statebridge Company LLC, Its successors and/or assigns [redacted] -          Fax a copy of your Homeowners Insurance Declaration Page with your loan number to ###-###-#### Upon verification of coverage, Statebridge will cancel the Lender Placed Insurance and seek a refund for any premiums paid during the covered period. Lastly, pursuant to [redacted] request, Statebridge has sent [redacted] a reinstatement quote for the account. Enclosed is a copy of the quote sent to [redacted] on March 18, 2016. Should [redacted] have any further questions or would like to discuss possible loss mitigation options that maybe available, please contact our Customer Service Department at ###-###-####. Sincerely, [redacted] Borrower Correspondence Team Enclosures

Initial Business Response /[redacted]/
June 22, 2015
RE: Loan No.: XXXXXXXXXX
Borrower: [redacted] D. [redacted]


To Whom It May Concern:
This letter is in response of Statebridge Company, LLC ("Statebridge") to your communication dated June 17, 2015, with respect to Mr. [redacted]...

D. [redacted]'s mortgage loan accounts.
Our records reflect the above referenced account was included in a Chapter 7 Bankruptcy that discharged in July, 2014. Please bear in mind that this is not an attempt to collect a debt, but simply a response to Mr. [redacted]'s request. Since this account was included in the bankruptcy, billing statements do not automatically generate. However, based on Mr. [redacted]'s written request to receive billing statements, Statebridge has updated the status of the account and statements should start generating within the next 30 days.
Additionally, after researching the principal balance on the account, the balance was adjusted accordingly and all payments received by Statebridge were reversed and re-posted to the correct balance. As of the date of this letter, the unpaid principal balance is $103,069.34. Further research shows that a late charge balance transferred over from the prior servicer, BMO Harris, in the amount of $63.45. Statebridge has not charged any late fees to the account.
Our records further reflect that Statebridge issued payment for the homeowner insurance on June 17, 2015 to American Family Insurance.
Per Mr. [redacted]'s request, enclosed is a History Statement showing all of the payments received by Statebridge. The History Statement also reflect the reversal and reposting of payments, as well as the insurance disbursement.
Should you or Mr. [redacted] have any further questions or concerns, please contact the Servicing Specialist, Taylor Hudspeth, directly at (XXX) XXX-XXXX or toll free at (XXX) XXX-XXXX.
Sincerely,
Borrower Correspondence Team
Statebridge Company
5680 Greenwood Plaza Blvd, Suite 100 South
Greenwood Village, CO XXXXX
Toll free number: (XXX) XXX-XXXX

Enclosures
Complaint Response Date bumped because: Holiday

This letter is in response to the correspondence dated, June 28, 2016, addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on the same day, regarding Mr. [redacted]’ mortgage loan.    After reviewing the aforementioned loan it has been determined...

Mr. [redacted]’s account is due for the May 1, 2016, monthly mortgage payment.  The account service transferred to Statebridge due for the March 1, 2016, monthly mortgage payment.  This payment was received May 17, 2016, which was reversed on May 26, 2016, due to nonsufficient funds as a stop payment was issued.  On June 27, 2016 a payment was received and applied to the March 1, 2016, monthly mortgage payment.  Another payment was received June 30, 2016 which was applied to the April 1, 2016, monthly mortgage payment.  Enclosed is a copy of the payment history for your reference.  To date no additional payments have been received.         Due to the delinquency on the account Mr. [redacted] is unable to make payments online.  Once an account has reached 31 days past due the online payment option is automatically disabled.  Online payments will remain disabled until such time the account is brought current.  Currently, Mr. [redacted]’s payment options are to mail in a check, complete a phone payment, or lastly via [redacted] bill pay.      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.    On July 5, 2016, a Statebridge Customer Service representative attempted to contact Mr. [redacted] via telephone and was advised he no longer could be reached at that telephone number on record, and were advised that a message would be delivered to Mr. [redacted].  We encourage Mr. [redacted] to call or send correspondence with new contact information so that we can update our system accordingly.    If you and/or Mr. [redacted] should happen to have any further questions or concerns, please contact us at [redacted], Monday thru Thursday 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst.   Regards, [redacted] Borrower Correspondence Team

This letter is in response to the correspondence submitted, September 2, 2016, addressed to the Revdex.com, and received by Statebridge Company, LLC (“Statebridge”) on the same day, regarding [redacted]’ mortgage loan.   In reviewing [redacted] loan it was determined he...

also filed dispute with the credit bureaus which was reviewed by our credit reporting department.  During their review they determined the loan was in fact reporting as an installment loan, therefore, on September 6, 2016, an update was completed to the reporting to reflect as a conventional mortgage.  Please allow 30 to 60 days for the update to reflect with the credit bureaus.     If you and/or [redacted] should happen to have any further questions or concerns, please contact us at [redacted], Monday thru Thursday 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst.

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.
I spoke with [redacted] and he was extremely nice and apologetic and was able to fix the issue with my account. Also, I would like to mention that I spoke with both [redacted] and [redacted] from Statebridge and they were nice, professional, and helpful unlike the previous representatives that I dealt with.
Sincerely,
[redacted]

Initial Business Response /* (1000, 6, 2015/12/21) */
To Whom It May Concern,
This letter is the response of Statebridge Company, LLC to the communication received in our office on December 11, 2015, in regards to [redacted] mortgage loan account.
Statebridge has updated [redacted] account...

to reflect the Master Homeowners Insurance Policy with [redacted] and has requested a refund from [redacted] prior servicer, [redacted], in the amount of $240.37, for Lender Placed Insurance premium from December 3, 2014, through April 23, 2015. Please allow up to 30 days for the funds to be obtained, applied to [redacted] escrow account and a new escrow analysis to be completed. As soon as the escrow analysis is complete a copy will be sent to [redacted].
Further, in regards to [redacted] discounts for the property taxes, we request that [redacted] provide our office with documentation of the discount. Our records reflect that [redacted] property taxes are due quarterly in the amount of $428.89. Statebridge is in the process of verifying [redacted] property taxes with the county/township/village and will update [redacted] account accordingly within the next 30 days.
Should [redacted] have any further questions, please contact our Escrow Department directly at [redacted] or our Customer Service Department at [redacted].
Initial Consumer Rebuttal /* (2000, 8, 2015/12/23) */
(The consumer indicated he/she ACCEPTED the response from the business.)

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 November 7, 2016, regarding [redacted] mortgage loan.    Upon review of the above mentioned...

loan it was determined the delay in [redacted] receiving the completed W9 from Statebridge was due to not receiving the correct documentation within the initial request.  Once the proper documentation was received Statebridge completed and issued the requested W9.  At this time the funds are currently being held in an unapplied account as they were not sufficient to cure the default on the account as required in the Notice of Intent issued August 10, 2016.   On November 17, 2016, [redacted] spoke with a supervisor from our Customer Service department who discussed the options which may be available at this time such as the Hardest Hit Funds of Ohio.  Additionally, a modification package was sent on October 18, 2016, for the [redacted] to complete and return so Statebridge can complete a review to determine if there are any loss mitigation options they qualify for at this time.    If you and/or Mr. and [redacted] should happen to have any further questions or concerns, please contact us at [redacted], Monday thru Thursday 7:00 am to 8:00 pm mst., Friday 7:00 am to 6:00 pm mst., and Saturday 8:00 am to 12:00 pm mst.