Date Received: 2022-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX held mortgage in XXXX, when I requested a loan modification. ( documented via email with reply from XXXX XXXX ) as mortgage interest rate was 6.25 %, when interest rates were below 3 % in XXXX. XXXX XXXX refused to follow through. In XX/XX/XXXX XXXX XXXX transferred servicing of my mortgage to Specialized Loan Services LLC. I'd requested that all communication be through email only, either on XXXX XXXX ( initially ) then Specialized Loan Services LLC ( SLS ). Both lenders initially ignored my request. Providing me with " Customer Service '' telephone numbers to call. Telephone numbers when called after waiting for over an hour were always dropped before a customer service rep answered call. All payments through XXXX, when XXXX XXXX was mortgage holder were paid as contracted, up through XX/XX/XXXX. On XX/XX/XXXX, on XXXX XXXX XXXX webpage a message posted informing me the transferring of the servicing of loan transfers, signed by XXXX XXXX XXXX XXXX Senior Vice President, XXXX XXXX XXXX XXXX on message center page that my mortgage was transferred to SLS. Mr. XXXX 's email stated : " We've sent you a letter with the details " No letter received so I researched and found telephone number for XXXX XXXX XXXX XXXX, reaching XXXX XXXX XXXX XXXX XXXXXXXX sent me via an email the letter that was alleged sent me via USPS. I did receive a letter from XXXX XXXX, after XXXX XXXX provided me a copy of the letter. The two letters had conflicting information. Again, demonstrating culpability from XXXX XXXX employees. I researched and discovered SLS board of directors information, as well as upper management. I discovered that SLS is a subsidiary of XXXX a foreign corporation, providing corporate trusts, stock transfer and employee share plan services in many countries. XXXX is public traded on the Security and Exchange Commission. I pulled company filings from the XXXX webpage, including XXXX filings that are mandatory annual filings, listing salaries and shares paid to management and political people. My intention is to post names of these employees on social media platforms, to level the playing field. I've identified employees on SLS social platforms. I went to these depths of investigations in preparation to XXXX much documented malfeasance, fines paid through lost litigation. I emailed XXXX questions regarding what funds XXXX paid millions of dollars fines. Shareholder funds? No response. Having already experienced the dropped calls game, I refused. In XXXX, I requested all statements be sent electronically to my email, under the Paperwork Reduction Act of 1980, and its many revisions ; or provide me access to my statements on SLS website. I also requested SLS send emails to my private email informing me my statement was ready on SLS for download. SLS still sent paper copies of my statements through the US Postal Service.. Unbeknownst to SLS, I was receiving daily " informed delivery '' from USPS. Best for documented paper trail. In XX/XX/XXXX I emailed SLS a request for forbearance based on COVID 19. Initially SLS informed me to telephone their " customer service '' numbers. I requested a forbearance due to COVID 19, as was my right under the CARES ACT Finally I was granted forbearance. On SLS webpage under Message Center, I was informed forbearance was granted and to expect terms sent from SLS through USPS. SLS did not notify me through USPS. From XX/XX/XXXX to present XXXX SLS paid " escrow fees '' they stated were owed for late property insurance and property taxes. SLS escrow fees were illegally established. My property insurance was and is paid fully by XXXX annually. My property taxes are paid timely on due dates. SLS " hired '' an appraisal company to appraise my property in an " exterior appraisal '' only. The company XXXX XXXX XXXX XXXX XXXX did not have an mandatory appraisers name on appraisal. Further investigation exposed the fact the XXXX XXXX XXXX is not listed on Arizona Corporate Commission website as being registered, nor does not have a mandatory State of Arizona Transaction Tax number, or City of XXXX, XXXX XXXX business license. I discovered XXXX XXXX XXXX XXXX XXXX was the recipient of federal XXXX funding twice for {$300.00}, XXXX, on which XXXX lists these funds are for " payroll '' only for 21 jobs reported. This should be investigated, too. SLS replied they are not responsible for XXXX XXXX XXXX actions, as " they are a contracted company. '' Then how dependable can XXXX data be validated? These documented actions of SLS expose a repeated disregard for the law. When I messaged on SLS " message center '' to remove illegal escrow fees, including other " misc fees '' they charged my mortgage, they lied. In email messaging on SLS message center ; refusing me proof of insurance SLS stated they paid on mortgage and property taxes. SLS stated they were " contacted '' by the county that property taxes were delinquent and home had lien. SLS stated they paid a year of property tax. I called and emailed treasurer department. Staff informed me they never would contact a mortgage company, as " How would they know who to contact, and your taxes were already paid. '' All years property taxes were paid by me. Documentation to be submitted. SLS message center states all inquiries will be answered within 24 hours. Nope. SLS attempts to thwart consumers and government agencies. SLS transaction subfolder prevents consumers from accessing all transactions, permitting search for 12 month period only. As of XX/XX/XXXX, SLS has stonewalled me on their message center, to my many documented, and logged requests for forbearance beginning XX/XX/XXXX. SLS/XXXX employees are no better than convicted financial criminals, for which the Racketeer Influenced and Corrupt Organizations Act ( RICO ) was written, False Claims Act ( based on subsidiaries of XXXX federal funds and deposits into US Banks ), and the 940.18 USC Mail fraud Act. ( 1 ) the defendant must have been engaged in a scheme to defraud ; ( 2 ) the scheme must have involved material misstatements or omissions ; ( 3 ) the scheme resulted, or would have resulted upon completion, in the loss of money, property, or honest services ; ( 4 ) the defendant must have used of U.S. mail in furtherance of scheme to defraud ; and ( 5 ) the defendant used or caused the use of U.S.mail. Due to my proof of statements for hard evidence documentation, SLSXXXX CEO/ all upper management, and employees should be charged with crimes against American consumers. XXXX XXXX XXXX 's Letter sent to XXXX XXXX XXXX Interim Chief Executive Officer and President of XXXX XXXX XXXX XXXX, dated XX/XX/XXXX. An excerpt of this letter : " This new report suggests that rather that truly committing itself too vital reforms, XXXX XXXX is still scamming customers, charging them fees on accounts they thought were closed. This greed has boosted the company 's bottom line, but left customers with lasting negative effects. " SLS on webpage shifts information around, does not leave transparent subfolders on their webpage. Blocks access to their website ( documented under development tools, " access denied. " ). On SLS message center, customer service reps state " we are unable to provide loan documents to you on line. '' We can only send via fax or US Mail. Despite no less than 20 requests by me on SLS webpage message center to keep messages sequential and continue information forward, they totally ignore. SLS webpage cuts off documents during printing of document into pdf. I converted to word, snapshot doc and converted to actual .pdf. SLS send phantom " do not reply to this email as it is unattended. '' When I located XXXX emails ensuring they were cc. When attempt to upload documents to SLS webpage error message stated " exceeds limit '', via phantom email no reply, however shortly after that message email received from XXXX stating upload of documents was successful. Mid term elections are fast approaching. Hope both Democrats and Republicans listen to the voters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85716
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: DATE : XX/XX/XXXX IT COMES TO OUR ATTENTION THAT THE LOAN SERVICER SLS AND ACCOUNT MANAGER XXXX XXXX HAVE WILLFULLY MISREPRESENTED US IN COMMUNICATING WITH THE INVESTOR, XXXX XXXX XXXX XXXX ( XXXX ), WITH REGARDS TO OUR OFFER TO SETTLE THE ACCOUNT AS A SHORT SETTLEMENT. IN A MAILING TO US FROM SLS DATED XX/XX/XXXX, OUR CREDIT SCORE WAS STATED AS XXXX * AND GIVEN TO THE INVESTOR FOR APPROVAL OF OUR SETTLEMENT OFFER. HOWEVER, AT THAT TIME OUR XXXX SCORES REPORTED TO SLS IN XXXX AND XXXX WERE ALL ABOVE *700*. SO SLS KNOWS OUR XXXX SCORE IS ABOVE 700, BUT THEY ARE TELLING XXXX THAT ON XX/XX/XXXX OUR SCORE IS XXXX. THEY LIED. ON XX/XX/XXXX XXXX OF SLS TELLS US AT THE BEGINNING OF THE TELEPHONE CONVERSATION THAT SHE HAS NOT SENT OUR LATEST SETTLEMENT OFFER TO THE INVESTOR FOR APPROVAL. SHE SAYS THAT SHE WILL DO SO EITHER TONIGHT OR IN THE MORNING. LATER IN THE CONVERSATION SHE IS ANGRY AND TELLS US THAT OUR OFFER HAS BEEN REJECTED, OBVIOUSLY, SHE MAKES MAKE THE DECISION WITHOUT SLS MANAGEMENT OR INVESTOR CONSENT. WE ASKED XXXX OF SLS, TO PROVIDE US WITH THE INVESTORS CONTACT INFORMATION. WE RECEIVED A LETTER WITH THE WRONG ADDRESS FOR XXXX, NO EMAIL ADDRESS, AND NO PHONE NUMBER. WE HAVE FILED A FEW COMPLAINTS WITH THE CFPB, BUT THEY ALSO LIED TO THE CFPB. XX/XX/XXXX, WE RECEIVED A MODIFICATION AGREEMENT WITH A PRINCIPAL BALANCE INCREASE OF XXXX, ( IN THREE MONTHS ) INCREASED INTEREST RATE FROM 4.875 TO 5.375, IN 3 MONTHS, WITH AN INCORRECT XXXX SCORE OF XXXX. THIS IS A VIOLATION, ( PREDATORY MORTGAGE SERVICING ) OF UNFAIR, DECEPTIVE, AND FRAUDULENT PRACTICES BY SPECIALIZED LOAN SERVICING AND THE INVESTOR, FORCING US TO AGREE TO UNFAIR AND ABUSIVE LOAN TERMS WHICH WILL MAKE IT DIFFICULT FOR US TO MAINTAIN AT OUR XXXX AGE. CFPB, PLEASE ADDRESS THIS MATTER AND FORWARD OUR CRY FOR HELP TO ALL AGENCIES THAT CAN STOP THIS ABUSIVE BEHAVIOUR OF PREDATORY MORTGAGE SERVICING OR INVESTOR UNFAIR AND ABUSIVE LOAN TERMS. SINCERELY XXXX AND XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX, XXXX of XX/XX/XXXXand XXXX of XXXX, I have requested documentation on the status of my account with Specialized Loan Servicing such as loan statement, payment history, and account balance. My bankruptcy attorney has sent an authorization to them requesting their cooperation to mail me monthly loan account statements. The company has refused to send any information on the loan in 3 years including the remaining balance, payoff, or payment history. They expect me to continue sending them monthly payments on a loan that I have no amount of what is owed or what I need to pay monthly. As the consumer and account holder of this Home Equity Line of Credit, I should have access to the status of my account. I am making monthly payments and have never been in default. I don't know how or if payments are being applied to my account or someone else 's because they will not send me any status updates on this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I'm trying to get a reverse mortgage to keep my home. The mortgage company Specialized loan servicing, has been to say the least very difficult to deal with. On my monthly statement I have a princable balance of XXXX XXXX and now they are saying that the payoff amount is XXXX XXXX. Over XXXX XXXX more.! My XXXX passed away in XXXX of XXXX. I've been trying to deal with them ever since, I've made my payments on time every month and been in contact with them sometimes XXXX or more times a week. I've sent them request for help in the form of a loan modification over and over, once it was approved ( back in XX/XX/2020 ) I successfully completed the XXXX month trial period. And then they changed their mind in XXXX. I'm at my wits end right now. I feel like they are taking advantage of me and I need help. They are threatening me with foreclosure, or a short sale. XXXX woman even said that someone could show up and ask for the keys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Back in XXXX of 2021, Specialized Loan Servicing told me they would take off the late payment so it would not reflect on my credit report but as of today they have not done so. I called them numerous times and they indicated the late payment would be removed and report it to the Credit Bureaus to remove it off my credit report but to no avail has that been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan Number : XXXX Date : XX/XX/XXXX Loan Provided by : A & XXXX MORTGAGE XXXX ( NMLS # XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Property Address : XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXXXXXX XXXX XXXXXXXX Apartment is for rental purpose. Last year XXXX, XXXX XXXX sold to another company " Specialized Loan Servicing LLC '' XXXX XXXX changed our new : loan number XXXX without informed us by XXXX, no Cell/phone call, no notice or letter at all, We registered with XXXX XXXX XXXX XXXX our data and address is XXXX XXXX Only XXXX Tenant informed us the XXXX is being service Notice for XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Loan Serving. Monthly mortgage payment/ {$2300.00},, Since XX/XX/XXXX there is XXXX XXXX XXXX XXXX until now XXXX, total XXXX months plus {$25.00} XXXX total {$19000.00}. XXXX XXXX, XXXX XXXX XXXX phone numbers : XXXX XXXX, we've called many days ( long distance call XXXX XXXX XXXX ), could not get through! www.sis.net, we don't get no relpy at all. Since they canged our loan numbers last year without even informing us, I try offer to send the outanding XXXX XXXX {$19000.00} to resolve XXXX problem They just don't comunicate or answer us. We registered with XXXX XXXX, our address : XXXX XXXX. Email : XXXX XXXX XXXX, XXXX XXXX Sir, XXXX, please respond to us as soonest as posible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have tried numerous time to resolve the issue with the mortgage lender directly and are denied with a reasonably explanation. The issues for default were out of my control due to loss of income, separation, and then later covid 19. I had to resort to bankruptcy and and was making payments under XXXX XXXX plan until covid happened and I was unable to maintain all payments current.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91342
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage holder is XXXX XXXX XXXX I have been making the required payments to them on time and have been making payments in the correct amount as shown on the monthly payment slips. I have copies of all of them including the checks all paid in the amount showing on the payment slips. For the first time last month, I checked my account on line. It indicated my payment was ONE CENT short. I then increased last month payment by one cent. I thought it was a one time occurrence. No, this time on line, the amount showed I was again one cent short, but this time the previous one cent disappeared. I have read a home can be foreclosed if the payment is one cent short for several months. If for some reason, if there was a error shown on my monthly payment slips, new slips should have been sent. I have no idea how long this has been going on. This is the second time they tried to pull a fast one. Unknown to me, they purchased a second XXXX Policy, one from XXXX and one from XXXX using my escrow in hope that I could not pay the additional escrow and they could foreclose. Had to straighten that mess out myself. My home is valued at about {$390.00} and owe about {$120000.00}. Does this indicate financial abuse of the elderly? I am XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: HELP!!!!! Community loan servicing was my servicer until XX/XX/XXXX. I was approved for LOAN MODIFICATION on XX/XX/XXXX. And agreement send out on that date. I have signed the loan modification docs on XX/XX/XXXX and got the fully executed modification docs on XX/XX/XXXX. BUT the new Specialized loan servicing company who is servicing the loan now didnt got the new terms. and Im going back and forth and getting nowhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: At this time, I am requesting that SLS provide me a refund on the full amount : 1. 1st Installment Tax Year XXXX - {$2100.00} I previously submitted a complaint under complaint ID XXXX and it was subsequently closed by CFPB due to a reply from the company. However, the issue was NOT resolved. I opened a new complaint : XXXX, and now have new information that SLS provided me false information on receiving a refund for the property taxes they paid out of my escrow account in error. Specialized Loan Servicing submitted my 1st Installment XXXX tax payment to the WRONG property PIN. Due to this, I became delinquent on the 1st installment of taxes and was charged by XXXX Incorrect PIN : XXXX Correct PIN : XXXX. They also OVERPAID on the taxes I was owed SLS paid out {$2100.00} of property taxes to the incorrect PIN, Please note I am not sure how SLS is expecting me to get a refund from XXXX XXXX on another owners PIN that they INCORRECTLY paid. Here is the sequence of events : 1. XX/XX/XXXX- SLS paid the wrong taxes to the wrong property PIN ( listed above ) 2. XX/XX/XXXX - Taxes reported as delinquent to my lawyer during a sales transaction of the property 3. XX/XX/XXXX - Contacted SLS where they advised that the taxes were paid on the WRONG PIN and that is why they are delinquent - due to SLS 's error. SLS advised they have submitted a refund request to XXXX XXXX and they also advised that I would need to engage XXXX XXXX to receive a refund. 4. Taxes were paid out of closing costs, including a {$100.00} penalty 5. XX/XX/XXXX - Filed 1st complaint to CFPB for the issues and lack of resolution with SLS to get a response from SLS, including a refund on the penalty paid ( {$100.00} ). 6. XX/XX/XXXX - Received a response from SLS that DID NOT resolve the issue of the penalty I paid out of pocket. It only addressed that they 'requested ' a refund from XXXX XXXX on my behalf. 7. XX/XX/XXXX - I contacted SLS 's Tax department and they said they couldn't do anything, they transferred me to customer service, they said they couldn't do anything and transferred me to Escrow, escrow told me that they won't do anything for me, and then they transferred me to their Executive Support Team- who said they won't do anything for me because the dispute is closed. He told me I need to write a letter and open a new dispute. I spent a total of 1.5 hours on the phone trying to get a refund for SLS 's mistake. 8. XX/XX/XXXX After submitting a refund request to XXXX XXXX, I received a letter from XXXX XXXX stating that they can not refund me for the property PIN paid incorrectly because it is not my property. They stated the following : -Insufficient proof of payment : duplicate payment refund applications require proof of both payments. Please provide proof of both payments for the Tax Year and Installment where the duplicate payments occurred -Insufficient proof of payment : Although there was a duplicate payment of overpayment on the PIN, tax year and installment for which I have sought a refund, the XXXX XXXX Treasurers Office require proof that the payment was debited from your account. Please either provide a copy of your customer Receipt if payment was made by cash, certified check, or money order. XXXX. XX/XX/XXXX Contacted XXXX XXXX Treasurer via phone they advised that the refund would be given to the company/person that submitted the payment, NOT the property owner. It was previously advised to me that I would have to work with XXXX XXXX. At this point, XXXX XXXX has advised that SLS is the sole entity that can get this refund, I am unable to. XXXX. XX/XX/XXXX I contacted SLS again to get proof of payments as requested by XXXX XXXX above and asked they AGAIN reach out to XXXX XXXX on the refund. I advised the lady on the phone that XXXX XXXX said I would not be able to receive the refund, the remitter would need to work with XXXX XXXX since they have all the documentation and I have nothing. The lady I spoke with said that she would need to send to research which requires 5 business days and they would contact me. 10. XX/XX/XXXX As of XX/XX/XXXX, I have received no contact from SLS regarding proof of payment. 11. XX/XX/XXXX Spoke with XXXX at XXXX after filing complaint. XXXX advised that she would send out payment history. However XXXX since XXXX was not responsible for payment of the taxes at the time, they would not be the ones to assist. XXXX. XX/XX/XXXX Spoke with SLS XXXX Have already reached out to XXXX XXXX XXXX of XXXX and XXXX XXXX is processing refund to SLS. SLS advised they expect to get the refund by end of XXXX and to call back at end of XXXX. Put a note in the account so that the researcher will follow up on XXXX of XXXX. 13. XX/XX/XXXX Spoke with tax department at SLS again. They advised XXXX XXXX refunded the property owner. I contacted XXXX XXXX and spoke to a customer service rep who said that they received the refund request from SLS, but did not get the proper documentation of payment, so they will reject it. I again contacted SLS, who changed their statement and said they sent the request to XXXX XXXX 14. XX/XX/XXXX Spoke with tax department at SLS again. They advised XXXX XXXX is in progress. Asked to speak to a supervisor and the rep hung up on me. I called back and spoke again and there have been no updates since XX/XX/XXXX. XXXX XXXX is advising me that they do not have proper documentation. The second rep I spoke to said XXXX XXXX issues the tax payment and they have to get that information from them. Spoke to escalation manager named XXXX. She said that they were escalating again. At this point, I am at a loss. It can not be this hard- they can clearly see they paid on the wrong property address and can view the interest charge on the correct property address. The loan paperwork has the CORRECT property address. SLS entered the incorrect property address when they did the payment. And now they are refusing to refund me interest payment and taxes I was charged and paid. To SLS : I understand that under Section 6 of RESPA you are required to acknowledge receipt of my request within 5 business days and take action to resolve my inquiry within 30 business days. Under state law and under the federal Real Estate Settlement Procedures Act ( RESPA ), a mortgage lender is responsible for all penalties and costs due to its failure to use the borrower 's escrow to pay the taxes on the right PIN, in full and on time. SLS misued the money that I spent when paying my taxes to XXXX XXXX. SLS is responsible for the refund of the full tax refund and the penalties I incurred for the late tax payment. At this time, I am requesting that SLS provide me a refund on the full amount : 1st Installment Tax Year XXXX - {$2100.00} Since SLS will provide me no documentation I have no choice but to ask them directly for the refund. I have given SLS all the correct documentation when the loan was transferred, they paid the incorrect taxes in error. This falls on SLS to correct the issue and refund both the taxes and the interest accrued to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A