Date Received: 2021-06-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I just sent the following message to my mortgage servicing company. I'm XXXX and I believe my lender is gouging me. " To : XXXX Subject : Loan # : XXXX Subject : SPS Proposed Loan Modification Dear Ombudsman, I am in receipt of SPS proposed loan modification to cover the forbearance amount of approximately {$30000.00} including property taxes and insurance advances. I'm bit bewildered as, on the phone back in XXXX of 2020 when I agreed to the forbearance, while I was told that when the forbearance came to the end, the forbearance amount ( {$30000.00}, including property taxes and insurance ), would be put on the end of my loan, BUT I was not told that {$150000.00} ( See page 1 of the Modification Agreement, Lat paragraph entitled BALLOON NOTICE }, in other charges would get added on as a second ( 2nd ) balloon payment! That amount of additional money seems outrageous to do to a senior citizen! Had I known that was going to happen I would have risked covid and tried to find a new job, anywhere, so I wouldnt have had to agree to the forbearance! Is this the best plan you can offer me? XXXX XXXX Please let me know if this is what Congress had in mind when they created the Covid 19 Relief plans? Thank you for your time. Respectfully, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92028
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Select Portfolio Services ( SPS ) - my mortgage processor will not refund the overpayment of my paid off loan. SPS collected a mortgage payment after the loan was paid off on XX/XX/XXXX and they will not refund the money. The loan was overpaid by {$3500.00} for XXXX XXXX XXXX XXXX Ca loan/account number XXXX. I have called and sent letters SPS stole this money from me and will not refund it
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on 50x100 lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The 1,584 sq. ft. XXXX XXXX SUBDIVISION, TWO story building on sets on 50 X 100 LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4.Single-family home 3 bed, 2.5 bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and Zestimate data on XXXX. Location : XXXX XXXX, FL XXXX Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot 50 x 100 ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property. Falsifying Applications and Invoices. Lot 204 Construction Fraud, The City of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2021-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: FOR THE TIME BEING, THE ONLY INCOME I AM GETTING IS UNEMPLOYMENT BENEFITS AND I HAVE SENT SELECT PORTFOLIO DOCUMENTS OF THE PAYMENTS I GET AND WILL GET UNTIL XX/XX/XXXX. THEY HAVE REFUSED TO ACCEPT THESE DOCUMENTS AND PROCEED WITH ASSISTANCE IN THIS HORRIBLE TIME INSISTING THAT THE ONLY DOCUMENT THEY WILL ACCEPT IS AN AWARD LETTER FROM ILLINOIS DEPARTMENT OF EMPLOYMENT SECURITY. I HAVE TRIED TO EXPLAIN TO THEM THAT IDES EITHER NEVER SENT SUCH A LETTER THIS YEAR OR SENT IT BUT PROBABLY TO THE ADDRESS OF WHERE I RESIDE RATHER THAN MY POB THAT I USED WHEN I FIRST FILED FOR UNEMPLOYMENT BENEFITS XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Approximately one year ago, my loan was transferred from XXXX XXXX to Select Portfolio Servicing ( SPS ). When it was initially transferred, I was enrolled in a biweekly autopay program. It took me several months and many phone calls ( at least 10 ) to have my autopay set up with SPS. Because my payments are on autopay, I don't always look at my monthly statements, as I can see them coming out of my checking account. Last week, I logged on to the SPS site to see the balance of my loan. Upon logging in to the account, I noticed that my escrow account is over {$5200.00} in the negative. After reviewing the statement, I realized that SPS had been applying the money meant for taxes and insurance to the principle on my loan. I immediately called the lender to let them know of the issue so that it could be corrected. The initial person that I spoke with told me that she was going to put me on hold for a couple of minutes to see what the issue was. After over thirty minutes of being left on hold, I hung up and called back to speak with a manager. The manager ( XXXX @ ext XXXX ) looked at my account, and told me that I was correct. My tax and insurance money was being applied incorrectly. He stated that he was fixing it and I should see the money back in escrow account in a few minutes. I checked my account while I was still on the phone with him and the money was not back in the escrow account. I stated to XXXX that the money was not there, and he told me " oh, no it will take one to two days '' to appear in your escrow account. It has been more than " one to two '' days, and the money is still not in my escrow account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Prior to COVID 19, I was offering my mortgage company to bring my mortgage current, that was deliquent during my XXXX following the death of my son, they refused to take the payment, stating that they are reviewing my offer. I was working with a mortgage counsellor from HOPE in XXXX Maryland. while waiting for their review COVID happened in XX/XX/XXXX. My job was to go XXXX XXXX and XXXX XXXX XXXX and assess XXXX XXXX XXXX XXXX. Obviously COVID impacted that community more than any other community, I then contacted my mortgage company about the hardship and loss of income, they agreed to place the account in forbearance. In XXXX they wrote me a letter that the forbearance has closed and requested that I show proof of hardship, I sent them the documents and repeated the offer to bring the account current prior to COVID. Once again they refused and sent a letter that they will like to review it. Meanwhile payment was taken in XXXX and XX/XX/XXXX, then in XX/XX/XXXX they turned down payment, stating that they will be going to foreclosure. Now they are requesting that all the past due amount prior to COVID and during COVID should be paid in full. When I informed them that they had approved the forbearance period, they do not care if there was lost of income that period, they just want it paid in full or they will foreclose the house. They then increased my interest rate to 4 %, which is very high compared to current mortgage rates All attempt to talk to them has proved futile, they insisted that I have to pay all total amount. Every attempt to remind them that forbearance was requested due to hardship was ignored. I am scared and worried that I might lose my house if nothing is done
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Before the COVID-19 epidemic affected us all I was current on my mortgage and in good standing, but as most Americans I was affected negatively by COVID-19 and my source of income was severely affected. I began to fall behind on my creditors utilities and mortgage due to my loss of employment as a result of the COVID-19 epidemic I applied for assistance with my mortgage servicer Select Portfolio Servicing whom offered my a reduced payment plan during my hardship with a promise with further assistance once the assistance plan was over.. Now that the program has ended I have accumulated a large past due amount as a result of the reduction in payment during the COVID-19 assistance plan. I made an effort to send a large amount of XXXX in order to bring the balance down and apply for further assistance now that I have a new source of income through the employment that I have recently attained once the stay at home orders where lifted,, but my mortgage servicer has not been cooperative with me in helping me resolve my mortgage issue after several attempts along with sending in a large portion of the past due amount. Now I am facing foreclosure and legal action threats from my mortgage servicer Select Portfolio Servicing and I am in dire need of assistance to allow my family to keep our home now that we are trying to rebuild after this COVID-19 disaster.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90706
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to the pandemic & LA riots, I have been out of a job for sometime. Since I couldnt pay my mortgage, I applied for forbearance with SPS ( Select Portfolio Servicing inc ), my mortgage servicer. Ive requested to extend my forbearance program in XX/XX/XXXX, with XXXX, followed up on the XXXX, with XXXX, XXXX, with XXXX and was confirmed that I could have an extension till XX/XX/XXXX. XXXX, 2021, I received a letter stating that I was going to be delinquent if I didnt pay my balance in full. I spoke to XXXX different supervisors ( XXXX XXXX ) ( XXXX ) and ( XXXX ) asking them to go play back the conversations as they are recorded. They refused! Ive then applied for mortgage assistance program on XX/XX/XXXX and till today, they are not giving me an answer as to if Im approved or not. Meantime, Im getting letters stating that I am delinquent and facing foreclosure. This is not right!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2021-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In 2020 my life was effected by COVID just like everyone else in the world. I fell behind on my mortgage and called my mortgage company for help. They put me on a forbearance from XX/XX/2020 - XX/XX/2020 and then they kicked me off. They then sent me a denial for a modification letter. I have done some research into XXXX XXXX 's COVID assistance plans and this does not seem correct. I have since called and was told I do not qualify for any assistance, no forbearance, modification or deferral. I do not think my lender is being honest with me regarding XXXX XXXX assistance and I feel I should qualify. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32258
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The problem with in XXXX when SPS ( Select Portfolio Servicing ) issued a foreclosure notice. This resulted because I lost my job in XXXX and had to wait 9 months before being re-assigned by the company to a new location so there was a loss of income and the new position was for a lower salary and I could not keep up with the payments of my mortgage Eventually, a payment plan was worked out and I made some payments but it fell behind again in XXXX because I lost my job due to the fact I had to take care of my brother with a XXXX XXXX ( see attached letter Hardship circumstances XXXX XXXX. In XXXX I called SPS to request an Act 91 so I could go to a counseling agency to try to see if I could get a loan from XXXX ( XXXX XXXX XXXX XXXX XXXX ) but what should have take 2 to 3 day by fax per representative at SPS turned into two weeks to get the Act 91 ( I called multiple times to get the Act 91 faxed ) which would have made SPS foreclosed on my home so to avoid foreclosure before the foreclosure date I had to file for bankruptcy in XXXX. It was then I was given a plan to start making payment on XXXX XXXXbut the initial payment was too much and I struggled to make some payments and then COVID-19 hit and I indicated to SPS that I am going to need help ( see letter dated XX/XX/XXXX ). I was told my a rep that I was given 9 months and the new payment date on the plan would be the XXXX XXXX ( this has also been recorded ). I called back in XX/XX/XXXX and was told the plan was close out as I was to have been making payment during the 9 months although I was told by a rep that my first payment would be in XX/XX/XXXX. I did a temporary application on the phone with the rep and was sent, through my bankruptcy attorney, a fulll RMA ( remodification mortgage assistant ) package to be returned by XX/XX/XXXX. On XX/XX/XXXX I sent the application to them but on XX/XX/XXXX, without waiting for the information to be sent SPS sent a letter on XX/XX/XXXX to the bankruptcy attorneys saying they do not have any help for me and I had to appeal. I called SPS again and asked about it and the rep told me that it was indicated on my file that they are not looking at any new information but I should but all this information in writing to SPS with the documents I had send previously so that they can either re-instate the payment plan or issue a new one. During that time SPS asked their attorney to seek motion of relief in the courts ( court hearing was set for XX/XX/XXXX XXXX so that they can foreclose on my home. My bankruptcy attorney informed me that she would seek an extension so I had to wait for the extension date before I could resend the full application to SPS as I did not know if an extension would be granted. An extension was granted for 30 days now set for XX/XX/XXXX. I gather all the documents and wrote a letter detailing all the inconsistences and errors and emailed it to SPS on XXXX XXXX and they received it on XX/XX/XXXX but in the interim again SPS made a decision on XX/XX/XXXX indicating that there was no further help they could give without taking into consideration the new information sent to them pointing out the errors and send a letter to my attorneys on XX/XX/XXXX regarding this. I received the letter from my attorneys on XX/XX/XXXX via mail and I again sent information to SPS asking them to re-evaluate my situation. SPS states in its correspondence that it has a policy of nondiscrimination in ALL its mortgage decision but at the same time SPS is discriminating against me and not following it own rules and procedures. I am URGENTLY appealing to CFPB to look into my case for me so I can get a fair and reasonable decision. I have attached all documentation that I have previously sent to SPS for you to look at and use.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A