Date Received: 2022-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since 2021, my mortgage company has not paid the taxes that I escrowed. I have been served papers twice by the Sheriff and even sued by the county. The official lawsuit notice was served XXXX and immediately submitted to Select Portfolio Servicing. We had several warnings and were even served months prior. All documents have been uploaded via their online portal as well as sent via email. They have promised numerous time that it would be taken care of and they never did. I ended up paying the county out of my pocket on XXXX to avoid losing my home. I also had to pay the court fees that were incurred by the attorneys that file these suits on behalf of my county. Still, they won't address the situation, continue to apologize and give me " absolutely worst case '' dates which they routinely miss. Now I am being told that it could take up to 45 more days to pay me back. This all began in XXXX of 2021 and they could never figure out how to pay the taxes on the correct parcel #. With one phone call to the county, I was able to find out the correct parcel and make the payment in person. Basically they just aren't trying as they could have done what I did and have the expertise to handle it better than I am equipped with. I have now been forced to double pay my taxes along with late fees plus the court fees for a total of XXXX ( taxes, late fees, court costs and c/c processing fee ). I also missed a mandated court date XXXX as they refused to give me any documentation of them " trying '' to pay the taxes but having the wrong parcel #. I was told that I would have to subpoena them to get that information. So I couldn't even go to court on their ( and my ) behalf with evidence unless I subpoena my own mortgage company. They refuse to let me talk with the tax department or the disbursement department claiming that it is against policy. The account number on the loan is XXXX The address in question is XXXX XXXX XXXX, XXXX TX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A balloon payment is due on the second mortgage XX/XX/XXXX in the amount of $ XXXX about. The company is Select Portfolio Servicing XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. I have been working with the company since XX/XX/XXXX for a term extension of a few months. We are working on a 103 year old house to get it ready for the spring market. My wife is an experienced top realtor in our area. We can fix the house or pay off the second but can not do both which we have told SPS many times on recorded lines. The house is un-sellable without the deferred maintenance items remitted. We have provided SPS with front and back check copies for $ XXXX of contractor work to date. We have offered in writing to pre-pay any term extension. We can not refinance as I am unemployed do to COVID and my wife 's business has been negatively impacted. SPS says they can not extend term or help us because we are current on the loan. None of their loan modification products appear to address being current and asking for short term extension. They have told me numerous times that is because of federal rules which I do not believe to be the case. Just got off the phone with SPS ( noon XXXX XX/XX/XXXX ). The agent implied that I could make my regular {$550.00} XXXX payment on line on their site and it would be accepted. He also said for us to apply again for loan modification XX/XX/XXXX which we will do. We are trying to not have our credit harmed when we miss the XX/XX/XXXX balloon payment while making our normal monthly payment. I have documented every call and there are lots. The CFPB web sight shows 25 complaints on SPS in XX/XX/XXXX alone and XXXX CFPB complaints over the past 3 years.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Hi my name is XXXX XXXX XXXX XXXX and sending his complaint without any help from any credit repair companies. I have a loan with SELECT PORTFOLIO SER with the account number XXXX. I have always made my payments on time. As you can see, the status of this account is stating that it is paid as agreed. I tried contacting the XXXX and XXXX and even wrote thme a letter regarding the issue but up until now there has been no successful resolution. There was definitely an error on their part. Please fix this matter immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I started a XXXX XXXX with XXXX XXXX in XXXX and we converted to a XXXX XXXX so I could apply for a loan modification and was referred to XXXX to assist me in helping with the loan modification. All the documents were sent to my mortgage company ( SPS SERVICING ) from XXXX for the loan modifications originally in XXXX. then SPS state missing docs & I uploaded, then SPS said was blank, then resubmitted the loan modification app and never knew or addressed by SPS that they received the application from XXXX in XXXX who was assisting me with the loan modification. XXXX did their part and no complaints on them or XXXX XXXX. My complaint is with SPS mortgage. I received my denial letter for the loan modification dated XX/XX/XXXX. Loss Mitigation Program Decision After careful review of your account, we find that there are no home retention loss mitigation options for which you are approved. Review parameters and details are provided below. Please note, " INCOME WAS NEITHER REQUIRED NOR CONSIDERED AS PART OF OUR EVALUATION ''. I don't know why income was not required. DID THEY EVEN REVIEW THE ORIGINAL LOAN DOCS SUBMITTED IN XXXX BY XXXX. I also signed up in XX/XX/XXXX for the Covid 19 relief for 3 months and granted but that will be up in XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I filed a complain against select portfolio servicing File number XXXX I received the response on XX/XX/XXXX, that select portfolio servicing found that made a mistake at charging me prepay penalty, after 3 months of calling portfolio servicing I had to make the complaint here .... as of today XXXX XX/XX/XXXX I didn't receive the refund check more than 30 days past I was Calling Select Portfolio Servicing asking for my refund and the only answer from them is in process and they will expedite my case every time when I call select portfolio servicing said the same thing, I don't understand if they made the mistake why do I need to be calling them asking for my refund... I'll looking for professional advice to proceed against select portfolio servicing. see attached documents.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 92335
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I currently have a foreclosure schedule for XX/XX/2022. I have been trying to get in touch with the " Substitute Trustee XXXX XXXX XXXX XXXX XXXX, who I am assuming is the same as " XXXX XXXX XXXX XXXX, as they have same contact phone number and business address. On XXXX, XXXX 2022, I spoke to " XXXX no last name, no job title, who confirmed the sale and I advised XXXX at that point that her company ( Trustee ) had not certified the foreclosure and they needed to cancel the sale. I have left XXXX message and spoke to XXXX on XXXX occassion 's and the last she actually hung up on me without answering my question. It is Virginia State Law that I must be notified by Certified or Registered mail. The Trustee could not give me the document number and my local post office stated that they did not have any certified mail come into my address in XXXX nor XXXX. There are things also about this foreclosure that makes me feel like it's not a legal foreclosure. I did some comparisions with the other foreclosures and these documents are including grantors who are no longer involved with this mortgage. For, instance a company by the name of Mortgage It. They sold the mortgage to XXXX XXXX XXXX and what is even more strange is WHY isn't XXXX XXXX listed on these documents. I want XXXX XXXX XXXX and SPS have to answer at least on question, What happened to all of the money that was sent to them to pay my mortgage payments. It went into a SUSPENSE ACCOUNT and then disappeared. I am at this point done done done done. I am prepared to move forward in a HUGE HUGE lawsuit. Based on, Banking Fraud, Lending Fraud, Mortgage Fraud, Wire Fraud. It ; XXXX prepared and ready to submit. They can give me a clear dead and title to my home, and XXXX XXXX Dollars, and I will hand over everything I have and not sell it to the news media. I can only imagine what will have to their STOCKS when the public see what they did. So, my complaint is : Virginia State Law says, I have to be given notice by way of Certified or Registered mail and that did not happen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been in touch with our mortgage provider on several occasions. Stressed that we have been struggling making payments. THEY CLAIM THEY CAN HELP! But have been told that they can't. ADVISED BY OUR LAWYER we can apply for a forbearance!! NEEDING HELP WITH DOING THIS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To Whom This May Concern, I was denied a modification by SPS and I have not had a modification since XXXX - 5 years ago. I have the right to modify my loan after 12 months and is well above the 12 month mark since my last modification. I have taken detailed notes of all interactions with SPS and I was told multiple times that my account was eligible for a modification without even asking. I spoke with loss mitigation multiple times to review income, tax returns and my employment status and not a single rep, point of contact or underwriter mentioned that I was ineligible for a modification. I have been trying to get myself reviewed since XXXX and I was constantly told that documents were not received or my employment date needed to be clarified ( I clarified 3 times ). When I inquired as to why the account was deemed ineligible I was told that I had a recent modification and that is simply not true, based on your own records at SPS. I was not given any other information, asked to be transferred to a supervisor and were hung up My account needs to be reviewed for a loan modification immediately. Here is a detailed record of all my interactions with SPS over the last few months, where I was told multiple times that I am ineligible for a modification : *** XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS, rep said that an NOD was sent out, needs to be cured by XXXX or will be referred to an attorney for legal action. Said the loan was recently modified on XX/XX/XXXX. I asked if the loan is eligible for a mod, rep said no, I asked why not, she said that info is in the denial letter. I told her that the letter says it was denied because she had a RECENT mod, the rep could not tell me if we can reapply for a mod, she just kept saying she is not eligible for a mod and it is in the denial letter as to why, asked to be transferred to a supervisor, rep hung up. **XXXX XXXX** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, rep said that as of XX/XX/XXXX there are no retention or loss mitigation options available, requested copy of denial letter, rep will fax over. *** XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS, as of XX/XX/XXXX they have everything they need for the modification review. There should be a decision within 30 days. *** XXXX *** XX/XX/XXXX, XXXX PM NOTE [ n ] - Called SPS, clarified that she does file taxes for her XXXX XXXX XXXX and has sent them in. Rep stated she will most likely need to send over her XXXX taxes again. *** XXXX* XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS, XXXX is still under review but they need to know if she files taxes for XXXX solutions or not. Said yes, but will call her to confirm if they have been sent in. *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on modification XXXXeview , file is in review, no docs needed at this time. *** XXXX** XX/XX/XXXX, XXXX PM NOTE [ n ] - Called SPS, reconfirmed employment start date. The file is now 100 % under review as of today XXXX. There should be a decision no later than XX/XX/XXXX ( 30 days ). *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, rep said that they still need documents/ clarification. Said they need an exact hire date for XXXX solutions. XX/XX/XXXX. Clarified again!!! *** XXXX*** XX/XX/XXXX, XXXX PM NOTE [ n ] - Called SPS to check on XXXX XXXX rep said that it is under review. Rep said he does not know what day it went under review. Very unhelpful. *** XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, XXXX said that intra year start date, need clarification on the rejoin date or exact start date. Told her that she started in XX/XX/XXXX. **XXXX XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, XXXXep said it is still in review ( as of XX/XX/XXXX ). *** XXXX** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, rep said XXXX is still XXXX review. Will f/u in a few weeks. *** XXXX XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, XXXX XXXX that XXXX is in review as of XXXX. *** XXXX XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, XXXX XXXX tax returns they received rental income, let them know she is no longer receiving that income. *** XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to f/u on XXXX, said they needed to know what her hire date was ( XX/XX/XXXX ), said he put those notes in and to call back in 2 days. *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Faxed full tax returns & XXXX to SPS XXXX **XXXX XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Faxed in Bank statements & letter of explanation to SPS XXXX Still need : -Tax returns ( full return ) -Clarification of SSI ( social security income ) XXXX XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS in regards to letter stating the XXXX is not in review, said the docs were not accepted : -Tax returns ( need full return ) -Letter of explanation for pay stubs ( Fed taxes filed on this income at the end of the year? ) -SSi is diff from SSA ( Clarification of how much they receive ) -1 more bank statement ( showing SSI deposit ) -1 more Bk statement showing pension deposit **XXXX XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS, rep said documents were received, relationship manager is XXXX XXXX XXXX ( ext. XXXX ). *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to confirm XXXX was received, said it was received and they need the following by XX/XX/XXXX : -award letter for SS -2 most recent bank statements XXXX tax returns -2 forms of occupancy ( light or gas bill ) *** XXXX *** XX/XX/XXXX, XXXX AM NOTE [ n ] - Faxed completed Request for Mortgage/Borrowers Assistance ( XXXX ) packet to SPS. *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS to request FB, rep said there are no FB options on this account, but we can apply for a Loan Modification and the rep will mail out the packet. Takes 5-7 business days. *** XXXX*** XX/XX/XXXX, XXXX AM NOTE [ n ] - Called SPS, 3rd party authorization was received and is now on file. The account is current and the client can online to apply for mortgage assistance ( forbearance ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I still have flood insurance on my mortgage that was fraudulently add by the lender Select Portfolio Servicing. I already filed a complaint with you and you closed it despite no resolution! Select Portfolio Servicing has not provided proof of the need for flood insurance on my property and they have not responded to the complaint. Why won't you help me? I've had XXXX other loans and neither required flood insurance on the property. FEMA said I don't need flood insurance. No one is stopping SPS from stealing from me! HELP me resolve this, please.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A letter dated as sent by XXXX XXXX XXXX XXXX ( the initial servicer of my mortgage loan ) on XX/XX/XXXX informed me that the servicing of my mortgage loan would be transferred effective XX/XX/XXXX. A phone call with a XXXX XXXX XXXX XXXX representative around the 1st week of XXXX ( no later than XX/XX/XXXX according to memory ) confirmed the address and loan number of the new servicer. Their representative confirmed the new loan number was XXXX and that the check for the monthly mortgage payment for XX/XX/XXXX should be mailed to Select Portfolio Servicing, XXXX ( SPS ), XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. The check for XX/XX/XXXX was sent to the above address with the aforementioned loan number, and posted on XX/XX/XXXX with the stated funds taken from my account. Contact from Select Portfolio Servicing later in the month of XXXX alerted me that the monthly mortgage payment for XX/XX/XXXX was still outstanding, despite my bank reporting that the check posted and that the funds were withdrawn from my account. I contacted a representative from Select Portfolio Servicing who informed me that the loan number provided to me on the letter sent by XXXX XXXX XXXX XXXX was incorrect, and that the correct loan number was XXXX. To my memory, I was informed that a case would be opened to investigate why the payment was still listed as outstanding on my account, despite the check posting. I was told by the representative, to my memory, to call back in a week or so, given the current delays faced by their relative department. I contacted a representative from Select Portfolio XXXX on XX/XX/XXXX, who informed me that the payment was still outstanding on the account, and that they were missing required proof of the check posting. To my knowledge, I had sent confirmation of the check posting to their requested email address at the time of our first conversation. Nonetheless, on XX/XX/XXXX I sent proof of the check posting, and I was told that the case would be further investigated, and that I should call back in a week or so, given the ongoing delays faced by their relative department. I contacted a representative from Select Portfolio Servicing on XX/XX/XXXX, who informed me that the case was still active, but that there was no resolution at the moment. I was told to stay patient and monitor my online account portal for prompt discovery of whether the issue had been successfully resolved. Later in the month I sent a check for XXXX 's monthly mortgage payment to the aforementioned address, and received notice that it posted on XX/XX/XXXX. Upon viewing my online account portal, I discovered that XXXX 's monthly mortgage payment was no longer outstanding, but that XXXX 's monthly mortgage payment was now listed as outstanding. I contacted a representative from Select Portfolio Servicing on XX/XX/XXXX and was told that the case involving the investigation of my initial check for XXXX 's monthly mortgage payment had now expired. I was told their colleague had incorrectly categorized the case at the time of my initial correspondence with them, and that they would start a new case and correctly categorize and document it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A