Customer Inquiries
Customer sends in a Validation of Debt (VOD) what 3 main documents are required in this response?
Note, Mortgage and Payment history.
What 3 states require an additional disclosure added to the letters
Colorado (USER FIELD 12= yes)
Oregon
Texas
What screen is used to update a 2nd lien in Sagent?
DEL LIEN
What was the first featured-length animated movie ever released?
Snow White and the Seven Dwarfs
ROFL means
Rolling on the floor laughing
When Tax exemption requests are available from the tax team, what are the 5 main items that should be included in the response?
1. Exemption Type (partial or full)
2. Tax Exemption Year (in notes)
3. New Tax Line Amount
4. Next Tax Disbursement
5. Results from Escrow Analysis (if applicable)
When is the FDCPA disclosure required on a letter?
Cust User Field = yes
BK Loans require 2 BK Disclosures on the outgoing letters (True/ False)
False: The new BK disclosure covers all letters including the letters with active BK and BK discharge and thus prior disclosure is no longer necessary.
In the matrix, does Neo take the blue pill or the red pill?
Red
Texting TTYL means what
Talk to you later
CIT 541 disputing credit reporting can be responded to (True / False)
False, all credit disputes must be submitted in writing. A CIT 541 is a result of an inbound call and is not considered a written request.
BK , customer writes in wanting information on your loan and you don't see an authorization on file to speak directly to the customer but it is in EDMS. What do you do next?
Open CIT 309 to BK for authorization to be added BEFORE you respond.
What is the new deadline time for day dues?
2:30 EST (2:00 pm EST if possible)
What movie did Tom Hanks score his first Academy Award nomination?
BIG
BRB in text means what?
Be Right Back
CIT 541 - Loan is in foreclosure and the customer is asking for the total amount due to bring the loan current and you provide the amount in CUST TOTAL, is this correct
No, due to foreclosure status we should NOT be providing figures to the customer, you should provide a response with FC attorney contact info.
Customer requests name change and all documents are included with request, you change the name in Sagent. What is the newest step that is required for name changes?
Add Area Codes specific to reason for change (GLO NOTE/ AREA)
MARIG=MARRIAGE
DIVRC= DIVORCE
CRORD= COURT ORDERED
When a loan is paid in full, how long do we advise the customer to allow us to complete the payoff process?
14 business days
What's the name of the skyscraper in Die Hard?
Nakatomi Plaza
IMO means what in text?
In my opinion
We receive a notice regarding "Clean Energy" enhancements to a property, how should we handle these requests.
These are considered non ad valorem assessments to the property. They are not based on value of property - open CIT to tax and respond that information has been forwarded to proper department for handling.
Customer wants to place loan in LLC or Trust, what should be done to comply with this request?
Provide supervisor with a copy of the complete LLC/Trust Document in email. The supervisor will get data over to management to have it sent to Legal. Response from legal required before replying.
Customer is on monthly ACH and wants to modify this to 2 times a month, we tell the customer the loan has to be paid in advance (True or False)?
False, the customer can req to modify the ACH at anytime in writing (or AC) and teller is to open CIT 121 - the loan does not have to be paid in advance (educate on late charge date)
John Hammond
TLDR means what in a text
Too Long Didn't Read