WEI Mortgage Corporation

June 12, [redacted] Revdex.com K StreetNW 10th Floor Washington DC 20005-3404Re: ID [redacted] Dear [redacted] :We received the customer complaint and immediately looked into her concernsThe Complainant was of people whose mortgage servicing rights we acquired in late MarchThe effective date of the transfer of all documentation relate to the loans was May 1, which coincided with the date that the next loan payment for the Complainant was due.Prior to May 1, Complainant had been instructed to make her May mortgage payment to our 3" party loan ServicerShe made that payment as instructedAs the entire file had not been uploaded into our 3"party Servicer's System, the Complainant's May payment was processed but had not cleared, and the details of the payment was not yet entered into the system that our 3" party servicer's customer service representatives could viewAll that showed in the 3' party servicer's system was that the Complainant's next payment was due on June 1.As there was a delay in the clearance of the check, Complainant called to inquire as to whether her May payment had been receivedUnfortunately, our 3' party servicer could not confirm that the payment Was received or process; they could only confirm that her next payment was due on June In a prudent abundance of caution, Complainant stopped payment on her May paymentWhen the check finally made its way through the system, it bounced because the Complainant had previously stopped paymentThe 3' party servicer's system then automatically issued a statement and charged Complainant a fee for the bounced check.Complainant Was understandably lividWe Waived all fees and re-assured her that there would be no impact on her CreditHowever, those concessions were not communicated as well as they should have been and Complainant was frustrated by the customer service she received.personally listened to all the recordings of her phone calls with our 3' party servicerI agreed with Complainant that they should have been handled betterI sent her a note apologizing on behalf of the Company and the 3' party servicerI also informed her that I would continue to investigate why her payments were increased by S5.Complainant indicated that she was pleased with my responseIn fact, her replay email stated in part:On behalf of Todd and myself we want to thank you for your attention to this matterAll we wanted was an apology and an explanation, and quite honestly, we weren't holding our breaths that we would get thatNot only did you provide both, but you addressed all of our frustrations and concerns and made us fee assured that proper training would take place so this doesn't happen to anyone else in the futureOuite honestly the whole experience had left a very bad taste in my mouth about WEI Mortgage, but you've been able to change thatThank you for taking ownership and getting back with me, for taking our concerns seriously, and honestly for affirming what several representatives would not do which was admit there was an error.I believe this matter has been resolvedWe are still researching why Complainant's payment increased by $As soon as we discover the answer, I will provide that to the Complainant.Thank you for your attention to the foregoingIf you have any follquestions, please contact me directly.very truly yours,David L

Re: ID # [redacted] Dear [redacted] We are in receipt of your letter of 2/6/regarding a recent complaint filed in the name of WE Mortgage.The complainant states that their loan was purchased by WEI on 1/16/however an exhaustive review of Company systems does not reflect the complainant's name, the address referenced or the email address identified in the complaint.WE Mortgage is a multi-channel, lending and servicing operation, transacting business in plus states using independent systems of operationsEfforts to locate the borrower and/or the address referenced in the complaint were comprehensive and for reference, included:O A review of the mortgage loan origination System;o A review of the correspondent mortgage lender system, using name and property address, as Well asborrower mailing address;O A review of the servicing systems;O A review of the company's data warehouse, including variations of name, State, Street address, dates ofrecent mortgage servicing right purchases and transfers, etcThere were no Corresponding purchases or transfers of servicing rights matching the date reflected on the letter;O A review of the warehouse lending system which provides commercial warehouse lines of credit toapproved mortgage lender/banker clients for financing to their customers (it may be possible the Complainant is a Customer of one (1) of our warehouse client partners).At this time, We are unable to provide any additional information or response to this complaint without further information from the complainantAt a minimum, it would be beneficial to be provided with the following information:O Full legal name of the Borrower and Co-borrower, if applicable;Complete Subject property address Securing the mortgage loan in question; Date the loan closed and funded; O Lender's Name and License Number of Company that originated the mortgage loan for the complainant.Upon receipt of the information requested, additional research may be performed into this complaintIf you have any questions or require additional information, please let me know; I may be reached via email atkdunbar (G)archomeloans.com or via telephone at ###-###-####.Sincerely,Kimberly D

June 12, 2017*** *** Revdex.com K StreetNW 10th Floor Washington DC 20005-3404Re: ID ***Dear *** ***:We received the customer complaint and immediately looked into her concernsThe Complainant was of people whose mortgage servicing rights we acquired in late MarchThe effective date of the transfer of all documentation relate to the loans was May 1, which coincided with the date that the next loan payment for the Complainant was due.Prior to May 1, Complainant had been instructed to make her May mortgage payment to our 3" party loan ServicerShe made that payment as instructedAs the entire file had not been uploaded into our 3"party Servicer's System, the Complainant's May payment was processed but had not cleared, and the details of the payment was not yet entered into the system that our 3" party servicer's customer service representatives could viewAll that showed in the 3' party servicer's system was that the Complainant's next payment was due on June 1.As there was a delay in the clearance of the check, Complainant called to inquire as to whether her May payment had been receivedUnfortunately, our 3' party servicer could not confirm that the payment Was received or process; they could only confirm that her next payment was due on June In a prudent abundance of caution, Complainant stopped payment on her May paymentWhen the check finally made its way through the system, it bounced because the Complainant had previously stopped paymentThe 3' party servicer's system then automatically issued a statement and charged Complainant a fee for the bounced check.Complainant Was understandably lividWe Waived all fees and re-assured her that there would be no impact on her CreditHowever, those concessions were not communicated as well as they should have been and Complainant was frustrated by the customer service she received.personally listened to all the recordings of her phone calls with our 3' party servicerI agreed with Complainant that they should have been handled betterI sent her a note apologizing on behalf of the Company and the 3' party servicerI also informed her that I would continue to investigate why her payments were increased by S5.Complainant indicated that she was pleased with my responseIn fact, her replay email stated in part:On behalf of Todd and myself we want to thank you for your attention to this matterAll we wanted was an apology and an explanation, and quite honestly, we weren't holding our breaths that we would get thatNot only did you provide both, but you addressed all of our frustrations and concerns and made us fee assured that proper training would take place so this doesn't happen to anyone else in the futureOuite honestly the whole experience had left a very bad taste in my mouth about WEI Mortgage, but you've been able to change thatThank you for taking ownership and getting back with me, for taking our concerns seriously, and honestly for affirming what several representatives would not do which was admit there was an error.I believe this matter has been resolvedWe are still researching why Complainant's payment increased by $As soon as we discover the answer, I will provide that to the Complainant.Thank you for your attention to the foregoingIf you have any follquestions, please contact me directly.very truly yours,David L

Re: ID # [redacted]Dear [redacted]We are in receipt of your letter of 2/6/17 regarding a recent complaint filed in the name of WE Mortgage.The complainant states that their loan was purchased by WEI on 1/16/17 however an exhaustive review of Company systems does not reflect the complainant's name,...

the address referenced or the email address identified in the complaint.WE Mortgage is a multi-channel, lending and servicing operation, transacting business in 40 plus states using independent systems of operations. Efforts to locate the borrower and/or the address referenced in the complaint were comprehensive and for reference, included:O A review of the mortgage loan origination System;o A review of the correspondent mortgage lender system, using name and property address, as Well asborrower mailing address;O A review of the servicing systems;O A review of the company's data warehouse, including variations of name, State, Street address, dates ofrecent mortgage servicing right purchases and transfers, etc. There were no Corresponding purchases or transfers of servicing rights matching the date reflected on the letter;O A review of the warehouse lending system which provides commercial warehouse lines of credit toapproved mortgage lender/banker clients for financing to their customers (it may be possible the Complainant is a Customer of one (1) of our warehouse client partners).At this time, We are unable to provide any additional information or response to this complaint without further information from the complainant. At a minimum, it would be beneficial to be provided with the following information:O Full legal name of the Borrower and Co-borrower, if applicable;Complete Subject property address Securing the mortgage loan in question; Date the loan closed and funded; O Lender's Name and License Number of Company that originated the mortgage loan for the complainant.Upon receipt of the information requested, additional research may be performed into this complaint. If you have any questions or require additional information, please let me know; I may be reached via email atkdunbar (G)archomeloans.com or via telephone at ###-###-####.Sincerely,Kimberly D

Revdex.com 1411 K St., NW, 10" Floor Washington DC 20005-3404Attn: David DennisRe: WEl Mortgage LLCComplainant: [redacted] Date of Complaint: 10/18/17 Revdex.com |D : [redacted]Dear [redacted]:Please accept this letter as WE Mortgage LLC's (hereinafter, "WE") response to the...

above-referenced Complaint. Please be advised that WEI acquired the mortgage servicing rights to the Complainant's loan on or about June 1. Those mortgage servicing rights were immediately out-sourced to our subservicer, Loan Care. Complainant's mortgage servicing file was then electronically forwarded from the previous servicer of Complainant's loan to Loan Care.Loan Care advises that the information received from the previous servicer of the Complainant's loan indicated that the May tax disbursement had been paid. Loan Care then disbursed the payment for the August County taxes on or about August 4" in the amount of $2,586. Borrower subsequently advised Loan Care on or about September 27 that the August payment was not credited to Borrower's account. Loan Care immediately began investigating the discrepancy. On October 19, 2017, Loan Care received confirmation from the tax collector that the August disbursement was in fact applied to the outstanding May tax bill. On that same date, Loan Care caused the delivery of an additional $2,586 from the Complainant's esCrow account to cover the August county taxes.WEI has been assured that all taxes have been received and nothing is outstanding. To the extent that an interim issue existed, the source of the problem stemmed from the Complainant's previous loan servicer not making the May payment. Neither WEI nor its subservicer Loan Care was involved with the Complainant at the time that May payment was not made.Please do not hesitate to contact me if Complainant or the Revdex.com has any further questions or concerns.

June 12, 2017[redacted] Revdex.com 1411 K Street. NW 10th Floor Washington DC 20005-3404Re: ID [redacted]Dear [redacted]:We received the customer complaint and immediately looked into her concerns. The Complainant was 1 of 4000 people whose mortgage servicing rights we acquired in late...

March. The effective date of the transfer of all documentation relate to the 4000 loans was May 1, which coincided with the date that the next loan payment for the Complainant was due.Prior to May 1, Complainant had been instructed to make her May 1 mortgage payment to our 3" party loan Servicer. She made that payment as instructed. As the entire file had not been uploaded into our 3"party Servicer's System, the Complainant's May 1 payment was processed but had not cleared, and the details of the payment was not yet entered into the system that our 3" party servicer's customer service representatives could view. All that showed in the 3' party servicer's system was that the Complainant's next payment was due on June 1.As there was a delay in the clearance of the check, Complainant called to inquire as to whether her May payment had been received. Unfortunately, our 3' party servicer could not confirm that the payment Was received or process; they could only confirm that her next payment was due on June 1. In a prudent abundance of caution, Complainant stopped payment on her May payment. When the check finally made its way through the system, it bounced because the Complainant had previously stopped payment. The 3' party servicer's system then automatically issued a statement and charged Complainant a fee for the bounced check.Complainant Was understandably livid. We Waived all fees and re-assured her that there would be no impact on her Credit. However, those concessions were not communicated as well as they should have been and Complainant was frustrated by the customer service she received.personally listened to all the recordings of her phone calls with our 3' party servicer. I agreed with Complainant that they should have been handled better. I sent her a note apologizing on behalf of the Company and the 3' party servicer. I also informed her that I would continue to investigate why her payments were increased by S5.Complainant indicated that she was pleased with my response. In fact, her replay email stated in part:On behalf of Todd and myself we want to thank you for your attention to this matter. All we wanted was an apology and an explanation, and quite honestly, we weren't holding our breaths that we would get that. Not only did you provide both, but you addressed all of our frustrations and concerns and made us fee assured that proper training would take place so this doesn't happen to anyone else in the future. Ouite honestly the whole experience had left a very bad taste in my mouth about WEI Mortgage, but you've been able to change that. Thank you for taking ownership and getting back with me, for taking our concerns seriously, and honestly for affirming what several representatives would not do ... which was admit there was an error.I believe this matter has been resolved. We are still researching why Complainant's payment increased by $5. As soon as we discover the answer, I will provide that to the Complainant.Thank you for your attention to the foregoing. If you have any follow-up questions, please contact me directly.very truly yours,David L