Date Received: 2022-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I asked for a deferral and time to apply for the California Relief Program. It is so disappointing that SPS is not participating in this program. After waiting for months for this program to open it was disheartening to receive this email : Dear XXXX XXXX Thank you for your application to the California Mortgage Relief Program. We will save all of your information that you have submitted and begin reviewing your case when your mortgage servicer elects to join the program. Unfortunately, your mortgage servicer is not currently participating in this program. Because program guidelines dictate that funding for approved applications goes directly to the mortgage servicer, we can not process the application if the servicer is not participating. Although we have explored a variety of avenues to encourage all mortgage servicers to engage in the California Mortgage Relief Program, some have not yet taken action to join the program. It might be helpful if homeowners also send a request to their mortgage servicer to participate. Below is a sample email you can send to your mortgage servicer asking them to participate in the California Mortgage Relief Program.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred to Select Portfolio Servicing ( SPS ) in late XXXX, XXXX after I made my 1st month payment ( due date XX/XX/2021 ) to the original mortgage company called XXXX XXXX XXXX ( XXXX ), since then, it has been a nightmare to deal with SPS, first, after the mortgage was transferred, nobody sent me the updated information for where to send the payment due XX/XX/2021, and I ended up having to send my 2nd payment to XXXX again. XXXX, after I paid my XX/XX/2021 due date mortgage, it looked like SPS suddenly woke up and found they didn't get my XX/XX/2021 due date payment, I called, emailed and told them again and again the payment was sent to XXXX, instead of checking with XXXX, SPS started to harass me with one letter after another ( total 17 letters sent to me, many with the same content ). 3rd, finally, after more than 60 days of investigation, they figured out, however, they still didn't get my escrow account correct by missing one month 's escrow payment, I emailed and mailed a letter to them to help correct the mistake, instead of getting it fixed asap, SPS sent me 4 more letters ( same content! ) saying the investigation will take another 30days!!! I was so frustrated and fed up with this company, I worked with so many mortgage companies before, and never ever in my life having met with a mortgage company like SPS with such messy, unprofessional and endless dragging practice, please help! Thanks.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The house went into foreclosure. It sold without The second mortgage excepting any offers. Now that the first mortgage is gone the second mortgage refuses to take a settlement theyre ignoring any documentation I send in to settle the account they continue to report it as a late payment going on three years now. I hired a credit repair company and this account does not change it wont budge continues to report a late payment. The late payment is only submitting to XXXX and XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44070
Submitted Via: Web
Date Sent: 2022-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XX/XX/XXXX notice came from XXXX XXXX that the following loans would be transferred to Select Portfolio Servicing ( SPS ), Inc. for servicing : # XXXX, # XXXX, # XXXX, # XXXX. No statements were received from SPS. Statements for these 4 loans were received from XXXXXXXX XXXX along with statements for the other 5 loans remaining with XXXX for servicing. I sent a check # XXXX, XXXX XXXX XXXX for {$4900.00} to XXXX XXXX as full payment for all 9 loans on XXXX XX/XX/XXXX. The check cleared my bank on XXXX XX/XX/XXXX. Unbeknownst to me, XXXX sent the entire amount of {$4900.00} to SPS when only {$1900.00} was due for the 4 loans they were servicing with the remainder of {$3000.00} due to XXXX for the 5 loans they continued to service. Weeks of phone calls seemed to resolve nothing. In the mean time XXXX XXXX claimed I had missed the XXXX XXXX payment and dinged my credit report with a 30 day late notation ( which they later withdrew ). Eventually several conference calls between XXXX XXXX, SPS and myself attempted to resolve the situation. It was agreed that SPS would send me a refund of the overage they received in the amount of {$3000.00} from XXXXXXXX XXXX and thus credited me for the payment of {$1900.00} that was due on XXXX XX/XX/XXXX which they retained from the original XXXX payment to them of {$4900.00}. XXXX agreed to wait until I had received the {$3000.00} overage payment from SPS before I sent it to them for the XX/XX/XXXX payment. I made the XX/XX/XXXX payment to XXXX XXXX on XXXX XX/XX/XXXX, check # XXXX for {$3000.00} which cleared my bank on XXXX XX/XX/XXXX. I made the XX/XX/XXXX payment to SPS on XXXX XX/XX/XXXX, check # XXXX for {$1900.00} which cleared my bank on XXXX XX/XX/XXXX. Upon receiving the SPS check for {$3000.00} on XXXX XX/XX/XXXX, I deposited it in my bank on XXXX XX/XX/XXXX and concurrently wrote a check # XXXX to XXXXXXXX XXXX in the amount of {$3000.00} which was the payment due for XX/XX/XXXX. That check cleared my bank on XXXX XX/XX/XXXX. Thereafter my accounts with XXXXXXXX XXXX were back to normal and should have been with SPS. On XXXX XX/XX/XXXX I sent check # XXXX in the amount of {$1900.00} for the XX/XX/XXXX payment to SPS. I received a call from SPS on XXXX XXXX that they had not received my check and SPS asked to do bank draws for each of the 4 loans over the phone to avoid potential late fees. I agreed and we went through the laborious process to accomplish bank draws for the following loans : XXXX XX/XX/XXXX : XXXX # XXXX XXXX XX/XX/XXXX : XXXX # XXXX XXXX XX/XX/XXXX : XXXX # XXXX The customer service agent also submitted a bank draw in the amount of {$540.00} for loan # XXXX but unbeknownst to me apparently mis-sent the routing or account number and the bank draft was rejected. The following day on XXXX XX/XX/XXXX I checked my bank statement and found that the above three bank drafts had gone through but was surprised to learn that my check # XXXX for {$1900.00} had also cleared on XXXX XX/XX/XXXX! Essentially I had over paid by twice on the above three loans as well as having paid the amount due on the 4th loan with check # XXXX for which a bank draft did not occur. I have tried to resolve this issue since XXXX XX/XX/XXXX to date with no results. I have spent over 40 hours and spoken to 30+ people all of whom say they are going to straighten the account out but to no avail. Heres the accounting since XXXX to bring it up to date. On XXXX XX/XX/XXXX I sent SPS check # XXXX for {$1900.00} for the XX/XX/XXXX payment. It cleared my bank on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I sent SPS check # XXXX for {$1900.00} for XX/XX/XXXX payment. I cleared my bank on XXXX XX/XX/XXXX. It was during this period that I spoke with SPS Escalation Department ( about the 6th time ) about the state of these accounts. They agreed that I had over paid for XX/XX/XXXX and that the easiest way to bring the account even was to only pay {$540.00} for loan # XXXX for the month of XX/XX/XXXX. I agreed to do so. On XXXX XX/XX/XXXX I sent SPS check # XXXX for {$540.00} for loan # XXXX for the partial payment due XX/XX/XXXX. It cleared my bank of XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX, at the suggestion of SPS customer service I sent out four separate checks, one for each individual loan as follows : Check # XXXX : XXXX # XXXX Check # XXXX : XXXX # XXXX Check # XXXX : XXXX # XXXX Check # XXXX : XXXX # XXXX All these checks cleared my bank on XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX I sent SPS check # XXXX for {$1900.00} that was due for XX/XX/XXXX. The checks has not yet cleared my bank. In XXXX and XXXX I receive loan statements that claimed I was a full month behind on all my loans and the amounts due were double the normal payments with late charges added. Then today XXXX XX/XX/XXXX I started receiving pre-foreclosure notices for all four properties. In 3 conversations with SPS customer service their agents stated that payments had been made but misapplied or were in the status of " unapplied payments ''. SPS actions have left accountability of these loans in question and created a hardship for me since I am in the process of refinancing these four loans with XXXXXXXX XXXX, in part to get them away from SPS. I have no expectation that any payoff figures that SPS provides to XXXX XXXX will be accurate. SPS intransigence could conceivably derail my attempt to close these refinancings and potentially damage my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98498
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This complaint is about COVID-19 forbearance repayment. The loan is in the name of XXXX XXXX XXXX ( maiden name ) I own a XXXX and my XXXX XXXX mortgage is serviced by Select Portfolio Servicing ( SPS ). I have a XXXX living in my unit and I applied for and received COVID-19 forbearance relief. My COVID-19 forbearance relief ended in XX/XX/XXXX, so I applied for payment deferral in XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX, I made four timely mortgage payments in the amount requested on the monthly statement. SPS kept asking me for " missing information '' ( 14 letters ). I provided the same information over and over again either via the telephone or by uploading documentation to the website. Then sometime at the end of XX/XX/XXXX, I was told that my application was declined because it was past 90 days old. I resubmitted the entire package, only to get a loan modification offer. I declined the loan modification, asking that I be considered for the payment deferral. I started both application processes stating that I wanted a payment deferral, not any of the other options available under the CARES ACT : payment deferral, loan modification, reinstatement, or repayment plan. SPS said that it was no longer considering me for any repayment options because they had offered me one : loan modification. I want a payment deferral so that I can refinance my 6 % interest mortgage. SPS does not refinance loans, but if they only offered me a loan modification, that would allow them to hold onto my loan for another 12-24 months, before another bank would let me refinance. I think that this is why SPS only offered a loan modification, instead of the payment deferral.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 071XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2021 SPS ( Select Portfolio Servicing ), XXXX XXXX XXXX XXXX, Utah XXXX ( XXXX ) XXXX, misapplied my monthly payment to the principal of the loan. I have contacted this company on XXXX and subsequently on more than 5 occasions to resolve this issue. SPS refuses to resolve this issue and instead provides excuses, lies, and misdirection. SPS refuses to hold themselves fiduciarily responsible for my money and further refuses to correct a simple accounting issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage was transferred to Select Portfolio on XX/XX/XXXX from XXXX XXXX XXXX. Before my loan was transferred, I was in an XXXX XXXX XXXX forbearance program with XXXX XXXX, that started in XX/XX/XXXX. I was in the middle of a rate modification with XXXX XXXX and had no negative credit reporting from them during the whole pandemic as I was protected through that forbearance. Select Portfolio did not honor that protection when they recieved my loan and on XX/XX/XXXX reported my account status as XXXX delinquent. Obviously it is an error on there part, but when I called in to get it resolved, I got conflicting answers from every person I spoke to and nothing made any sense. Select Portfolio have SEVERAL correspondences in their possession that XXXX XXXX sent to me in XX/XX/XXXX, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that I was in an active forbearance and that I was protected from negative credit reporting yet they still reported my loan late during 180 days of that SAME period. When I ask each agent who's names were XXXX, XXXX and XXXX who I spoke to on XX/XX/XXXX and XXXX who I spoke to on XX/XX/XXXX and then again on XX/XX/XXXX, where the 180 days come from?, I got varying answers and varying excuses that didn't answer the question. XXXX who is a supervisor, aknowledge that Select Portfolio had those documents showing that I was in an active forbearance during the period Select Portfolio reported me as delinquent and said that she herself would esculate the issue but in all of Select Porfolio 's esculated responses to my complaint, they chose to ignore my issue and gave me a word salad of tangent facts. Please see corespondances to me from XXXX XXXX regarding my Covid ForbearanceXXXX dated XX/XX/XXXX telling me that the forbearance ( which I was already in ) would be extended for another month, though the end of XXXX. Please see another correspondance from XXXX XXXX on XX/XX/XXXX, telling me that my forbearance would be ending at the end of that month and that I need to call them to be place in loss mitigation which WOULD CONTINUE TO PROTECT ME FROM NEGATIVE CREDIT REPORTING, in addition to protections from a other negative outcomes. Lastly, please see a correspondance from XXXX XXXX dated XX/XX/XXXX, acknowledging that I contacted them on XX/XX/XXXX which resulted in my account being placed in a loss mitigation program and that no other documentation was needed. I am not sure why Select Portfolio just wont fix their error intead of giving me the run around when I call them and instead of replying to my complaint in writing with so much information THAT DON'T ADDRESS THE ISSUE OF THEM REPORTING ME 180 DAYS LATE WHILE I WAS IN A PROTECTED FORBEARANCE PROGRAM.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Our Servicer refuses to use all of the income we supplied in applying for the loan modification, thus denying us which will eventually lead to us going into foreclosure. We were affected by Covid and was able to get our mortgage payments deferred to the back end of our loan with no problems to start. However, our property taxes and insurance was not included and raised our mortgage payment substantially. Our payment went from just over {$2400.00} pre-covid to {$2800.00} post covid. We asked our servicer if they would put the property taxes and insurance on the backend as well and was told that the only way this could be accommodated is via a loan modification, so we submitted a full and complete pack, W2 's, paystubs, tax returns, bank statements along with I believe RMA, the form the shows our income, expenses and reason for hardship in XXXX of XXXX. Several times we were told by the servicer that they had all they needed, only for them to come back and ask us for more documentation, which we quickly supplied. You'll see the dates taken from the servicers site from our dealings in XXXX through early XXXX where they send us a missing information message, we send it, they acknowledge they have it, only to send us another missing information letter. This went on for a long while and on XX/XX/XXXX, they denied our loan modification stating that we were in bk, which we had already supplied them several documents from the courts showing that we were not and that our income was not sufficient. We disputed the letter, re-supplying documentaiton that the bankruptcy had been dischared and resent them proof of income. On XX/XX/XXXX they said they had all they needed and on XX/XX/XXXX they denied us again for the same reasons. Although I have asked this question before and the servicer has responded, they have yet to answer my very specific question regarding the income used for qualification purposes. In XXXX I became a commission-only loan officer, in XXXX I co-founded a commission-only mortgage company and in XXXX, I became a XXXX XXXX XXXX XXXX who specializes in helping people who have received a Notice of Default or having problems paying their mortgage. When the world shut down due to covid and the government stepped in to stop all foreclosure proceedings, XXXX XXXX XXXX XXXX job shut down 100 % so I went and got a W2 job so that I could at least bring something in. When things started getting somewhat better, I applied for a loan modification initiated on XX/XX/XXXX. I supplied two real estate commission checks totalling over {$220000.00}, along with income from a W2 employer that I had to get when my primary source of income was halted. I provided commission checks, a letter from my Broker, as well as bank statements showing the commissions, were deposited into my bank account and on XX/XX/XXXX, our servicer declared that we were not approved for any loss mitigation options as only the income from the W2 company was used. My simple, yet specific question is, Why were the real estate commissions not included in determining what we would qualify for? Its a very simple question that I have been asking for months and I have yet to receive one communication from our servicer addressing the question. They just keep repeating that they used the W2 income and what it was. I understand that thats not my question. My question is, why were the real estate commissions not included in calculating our income? Although we have received help from the servicers Ombudsman Department in the form of them placing missed payments from XX/XX/XXXX, to XX/XX/XXXX, on the backend of our loan. There is still an escrow shortage of {$8300.00} and once an escrow analysis has been completed, if spread out over a two-year payback period, our mortgage payment will go from the current {$2800.00} to a whopping {$3200.00}. This is not sustainable as our business is still being affected by Covid. Below is our continued and ongoing paper trailed requests of us begging our servicer to please review our file correctly as well as to put us in contact with one person so we were not bounced around and had to retell our story to so many different people. These letters are Document receipt letters, followed by acknowledgement letters, followed by the servicer completely ignoring what we are asking them to do which is to use the real estate commissions that were provided and included in our loan modification package. From what I've seen, theyll argue that they've responded to that request, the fact is, they just send us the exact same paperwork stating the income used was {$4800.00} which only accounts for the W2 income. Below is a list of our correspondence with the Servicer Date Letter XX/XX/XXXX Deferral Agreement XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Relationship Manager Assignment Notice XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Early Intervention Notice XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Assistance Ineligibility Notice XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX Property Valuation Notice XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX XXXX XXXX Disclosure Notice XX/XX/XXXX XXXX XXXX Disclosure Notice XX/XX/XXXX Assistance Review Decision Notice XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Property Valuation Notice XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX Dispute Resolution Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Property Valuation Notice XX/XX/XXXX Missing Information Letter XX/XX/XXXX Response Extension Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX Complete Assistance Package Notice XX/XX/XXXX Response Extension Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX Missing Information Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter XX/XX/XXXX Missing Information Letter XX/XX/XXXX Privacy Notice XX/XX/XXXX Acknowledgement Letter XX/XX/XXXX Document Receipt Acknowledgement XX/XX/XXXX General Acknowledgement Letter
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On or about XX/XX/2021, the following unfair or deceptive act occurred : I was offered a repayment plan beginning on XXXX XXXX extending for a XXXX period with a payment of XXXX for payments accrued during the XXXX XXXX moratorium period. Although I disagreed with the plan and despite numerous attempts only received boiler plate responses from an automated service without the courtesy of a signed employee or any relevant information that led to the automated response, I made the 1st payment signed and received by your XXXX XXXX XXXX office on XX/XX/XXXX 4 days before the due date of the payment. Along with other letters for an appeal of the finding as per section RIGHT OF APPEAL SPS never processed the check, when I noticed my check not being processed, I called on XX/XX/XXXX to inquire and was told my payment was not received and the payment plan rescinded I promptly and a payment for the lost check and filed an appeal and furnished USPS Proof of Delivery on XX/XX/XXXX at XXXX am
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Select Portfolio Servicing, Inc. IS NOT the the entity entitled to enforce the promissory note originated on XX/XX/XXXX between XXXX XXXX, XXXX XXXX lender and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX has ceased operations in the U.S. as of XXXX, XXXX. This is a case of foreclosure fraud. The alleged owner of the debt is XXXX XXXX XXXX as identified on a complaint filed by attorneys XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. XXXX XXXX XXXX is a fiduciary trust incorporated under the laws of Delaware and registered to do business as a non-profit or religious trust and not a mortgagee. XXXX XXXX XXXX was submitted in the complaint without a named trustee and under state of Illinois laws a trust can neither sue or be sued. XXXX XXXX XXXX IS NOT the entity of record entitled to enforce the aforementioned note executed on XX/XX/XXXX between XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX borrower. The originating mortgagee, XXXX XXXX, XXXX was purchased by XXXX XXXX XXXX XXXX in a purchase/sale transaction, the note and mortgage were not. The aforementioned promissory note originated on XX/XX/XXXX between XXXX XXXX, XXXX, lender, and XXXX XXXX, borrower was never endorsed to any other mortgagee or investor and remains as of this writing as the lender of record. XXXX XXXX XXXX, a subsidiary of XXXX XXXX XXXX XXXX was the alleged mortgagee per complaint filed on XX/XX/XXXX, XXXX JUDICIAL CIRCUIT, XXXX XXXX, as case no. XXXX. No mortgage assignment and no promissory note endorsement from the originating mortgagee, XXXX XXXX, XXXX was submitted in the complaint filed on XX/XX/XXXX and none exists. The complaint submitted by the Law Office of XXXX XXXX XXXX alleges that XXXX XXXX XXXX. was the owner of the debt through a merger between XXXX XXXX XXXX. and XXXX XXXX, XXXX which is fraud, XXXX XXXX XXXX XXXX was the purchaser of XXXX XXXX, XXXX in XXXX and not XXXX XXXX XXXX. as fraudulently alleged in the complaint per a fraudulent allonge to the original " UN-ENDORSED '' promissory note filed with the complaint. XXXX XXXX XXXX XXXX purchased XXXX XXXX, XXXX, but never received or had ownership of the aforementioned mortgage debt and fraudulently confirmed that it was the owner of the debt and illegally collected seven years of mortgage payments from XXXX XXXX which XXXX XXXX XXXX XXXX was not due. Attached are copies of the original complaint as filed and all supporting documentation clearly clearly supporting the fraudulent conduct of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX, LAW OFFICE OF XXXX XXXX XXXX, attorneys XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. Signed, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX ( mailing address ), XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX, residence address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A