Date Received: 2020-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since XX/XX/XXXX we were sold to Select Portfolio Servicing by XXXX XXXX. We had made every payment on time with XXXX XXXX through an auto debit program the company had. We were sold and never told until we got a phone call from the new loan company. We were told that there would be no issues with our payments as we requested they be taken out on the 1st of each month. It never happened even as we gave our info. They called us only after we were considered " late ''. This continued over the last year with very harassing phone calls threatening with " Further Action ''. We were able to get assistance from XXXX XXXX XXXX to get us up to date. It was a grant getting us caught up. We called SPS and gave a principle payment to reduce the mortgage balance which was larger and had not seen a drop in the principle in some time ' after 14 years we now owed as much as we had in XXXX which was XXXX. This evening XX/XX/XXXX we got a call from these people stating that we had indeed missed a payment. " What? '' I said. After some going back and forth the woman on the phone admitted that indeed we had indeed made our payments up until the current month. It was XXXX payment due. I said, '' Well I can't go to the bank to make anything Its election day and they are closed ''. The month started on a Saturday and They are harassing me over a payment only due now? We feel as though this is a trend and the harrassing calls will continue. We are going to sell this house to get rid of these people. We want them to stop this behavior and we want to find out how our mortgage got bigger. We want them to cease the threats.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This is a NEW complaint. Select portfolio servicing did not ATTEMPT to collect a debt not owed. They have {$250000.00} for a debt in dispute XX/XX/2020 select portfolio servicing provided a payoff statement in the amount of {$250000.00} to the title company. XXXX XXXX collected this amount that was wired to sps that day. XXXX XXXX sps returned the money to the title company which because there was no release provided was promptly returned to Sps. Sps then returned the money to XXXX XXXX. XX/XX/XXXX sps received a check for {$250000.00} from my proceeds from XXXX. No releases have been recorded and I still do not have my proceeds
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64131
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband passed a few months ago, I've requested mortgage assistance with my servicer. I have submitted request for mortgage assistance with my financials to Select Port Folio. Received in the mail letter from the foreclosure attorney stating they were accelerating my loan. I don't want to lose my home to foreclosure please assist me with my mortgage assistance request.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a huge problem. My loan was at XXXX XXXX XXXX. The loan was in my brothers name that was deceased and his father in law. The mortgage was behind. I contacted XXXX, and I made an application for a loan modification with all the information they required, death certificate, title of home ( which is in my name ), small estates affidavit. For over ONE YEAR, I was receiving mortgage statements with my name on it. I have all documentation showing so. All of a sudden, my loan was sold to SPS. I was never informed of it. It appears someone changed the mailing address on my mortgage and the ownership title of this. This is unacceptable what SPS has done. I am the only one on title of the home, and I am the one who is responsible for the payments. I need assistance. Plus the previous lender, XXXX XXXX XXXX is drafting the payments out of my checking account and not crediting my new loan at SPS. This is a nightmare.
Company Response: Company believes complaint is the result of an isolated error
State: IL
Zip: 60707
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I went online last night to try and get assistance with our mortgage due to our hardship caused by covid saw they still showed me in bankruptcy so i uploaded my discharge. Called today XX/XX/2020 at approx XXXX XXXX spoke with XXXX he saw my discharge papers then call disconnected then called back at XXXX XXXX spoke with another gentleman transferred me to BK dept spoke with XXXX she said she saw discharge and i was in CH XXXX and i corrected her said, " never in a XXXX it was ALWAYS a CH XXXX '', she said they need to correct that but she said '', you have exhausted all your options anyways and we need to correct the issue which can take 30-60 days '', I told her I was never given options and she said I had a modifcation and I said yes it was years ago and now with covid we are having issues. She said there is nothing, I asked her about a forebearance and she declined said there is nothing to offer me. I told her I would not be paying my mortgage this month due to our hardship and she can get her stuff together and do what she needs to and i will too and hung up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93552
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This complaint is in regards to a payment that has not been properly credited with my new loan servicer. XX/XX/XXXX : I made my XXXX payment of {$350.00} to XXXX XXXX via my Bill Pay system with my credit union. XX/XX/XXXX : I received a letter ( dated XX/XX/XXXX ) from Select Portfolio Services ( SPS ) stating that my 2nd mortgage account was being transferred from XXXX XXXX to Select Portfolio effect XX/XX/XXXX. It further stated that XXXX would stop accepting payments from me after XX/XX/XXXX and that SPS would accept the payments starting XX/XX/XXXX. It also indicated that if I had already mailed a payment to my prior servicer and it is received after this date, it would be forwarded to SPS for processing. XX/XX/XXXX : The {$350.00} payment was paid to XXXX per my bank statement. Week of XX/XX/XXXX : I called SPS and explained the situation of my payment being made to my prior servicer in the midst of the transition. SPS advised me that it takes 4-6 weeks for the payment to get forwarded and processed. SPS assured me that this was not an issue and a notation would be made on my account. I received some non-payment calls from SPS and each time had to explain the situation to them. XX/XX/XXXX : Per the request of SPS so that they could look into my payment issue, I faxed my bank statement listing the {$350.00} payment to XXXX. I also noted that when checking my XXXX account online, it showed my {$350.00} as Unapplied Balance which meant that they had not applied the payment, probably because my loan was no longer with XXXX. I continued to receive phone calls and some letters regarding non-payment. XX/XX/XXXX : I spoke to XXXX ( Relationship Manager ) who told me that it takes up to 60 days for the funds to be transferred over and processed. XXXX claimed that they never got my fax documenting my payment to my prior servicer so I faxed all the paperwork again. I also sent the same requested documents via USPS Certified Mail. SPS continued to call about the non-payment and each time I would have to explain what was happening and they would tell me that they would note that in my account. I continued to check online my XXXX account and continued to see the {$350.00} Unapplied XXXX. XX/XX/XXXX : I spoke to XXXX at XXXX and inquired about my {$350.00} Unapplied Balance and inquired about the status of that payment being transferred to my new servicer, SPS. XXXX stated that she did not know why it had yet to be done but said that put an expedite on the funds transfer. XX/XX/XXXX : As of today, I am continuing to get phones calls, almost on a daily basis, from SPS regarding non-payment. I called XXXX and spoke to XXXX who informed me that my {$350.00} payment was sent to SPS on XX/XX/XXXX ( Check # XXXX, Batch ID # XXXX ). I am hoping that this is correct as I have gotten conflicting information in the past. Every time a SPS representative calls me, I have to explain the entire history to them and they simply tell me that they will make note of it on my account but apparently these notes are meaningless and not read by anybody as proven by their repeated phone calls to collect a debt. The representatives defense of it being an automated call is inexcusable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our real estate tax payments are included in our monthly mortgage payments to Select Portfolio Servicing ( " SPS '' ). Over the past approximately five ( 5 ) years, we have received tax delinquent notices from our town, stating that our real estate taxes have not been paid, or have been paid late by SPS. In fear of facing a tax foreclosure, we made all payments requested on the tax delinquent notices. Over the course of several years, we have received 6 tax notices dated XX/XX/XXXX ( {$390.00} ), XX/XX/XXXX ( {$530.00} ), XX/XX/XXXX ( {$500.00} ), XX/XX/XXXX ( {$460.00} ), XX/XX/XXXX ( {$460.00} ) and XX/XX/XXXX ( {$160.00} ). We made all payments ( tax and interest ). We have copies of all notices. We attempted to resolve this with SPS on numerous occasions, via mailing a letter, sending in faxes and making telephone calls. We have yet to receive reimbursement. On XX/XX/XXXX, we sent a letter to SPS requesting reimbursement for tax notices dated XX/XX/XXXX and XX/XX/XXXX. We attached the tax notices. SPS denied our request stating that the taxes were current. On XX/XX/XXXX, we mailed a letter to SPS, requesting reimbursement for tax notices dated XX/XX/XXXX ( second request for this one ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. We attached copies of the tax notices and cancelled checks proving payment. SPS never responded to our request for reimbursement. This has been an ongoing battle. On XX/XX/XXXX, we spoke with our town who stated that SPS has paid late in the past and some of the monies due were for interest on late payments. On XX/XX/XXXX, we also spoke with SPS, and they acknowledged that they had made late tax payments in the past. All we want is to be reimbursed for taxes and interest we had to pay because SPS failed to send our payments in or failed to send them in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: ON XX/XX/2020, I began an Application for XXXX XXXX XXXX with SPS Servicing. The covid situation prompted this. My income was being affected by the covid19 quarantine, and I thought it would be wise to apply for the assistant. They requested bank statements, unemployment documents, profit-loss statements, and tax returns. I supplied them with all the requested documentation within the allocated time period, and they came back, asking for more documentation. Based on my tax returns, they wanted 2 completely separate profit and loss statements. I provided them with an additional statement. They told me they needed updated unemployment documentation, I sent them the updated documentation, and they told me it wasn't what they needed. They wanted something that shows when my unemployment would end, so I got them an old document that shows when my unemployment would end. They accepted it. Then they came back and said that they needed a new profit loss statement because it had been a few months since I submitted the first one, and they needed updated statements. I submitted new statements. Then they said my statements showed I had personal expenses on the profit loss statement. I didn't have personal expenses at all, so I called to clear that up. They accepted the document as is. Now it's XXXX, and I'm beyond frustrated. I asked to speak with a supervisor. I told her XXXX XXXX XXXX that I would file a complaint. She listened to my grievances and assured me the issue had been resolved. A few days later, they called again, asking for more documents that I had already submitted. I told them I had already uploaded the documents, and they said I was fine. A week later, they called again, saying they needed more bank statements because they showed lump sum payments from unemployment that didn't match the weekly payments that were on my benefits document. I told them, no, of course, the amounts are different because I'm getting back pay in lump sums. Next week will be XX/XX/XXXX, nearly 4 months since I started this process, and I'm no closer to getting an acceptance or denial. They keep asking for the same documentation in different ways, or sometimes they are asking for updated documents that I've already submitted because so much time has passed. Meanwhile, the clock is ticking, and soon I'll have to send brand new documents all over again. I have expressed my frustration several times. I have requested they tell me everything I need and they refuse. They keep dragging the process out. I need these issues resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Re : SPS SERVICING-CARES ACT COMPLAINT In XX/XX/XXXX my loan was serviced by XXXX XXXX XXXX and owned by XXXX. XXXX offered and I accepted disaster relief by way of postponing monthly payments for a period of time. I was aware of the options offered by XXXX which included relief, if needed, for up to 1 year. I skipped 3 payments and resumed monthly payments in XX/XX/XXXX. On XX/XX/XXXX, I was informed by XXXX that my loan servicing was being transferred to SPS SERVICING of XXXX XXXX XXXX, Utah, and ownership transferred to XXXX XXXX XXXX. I immediately reached out to SPS and was assured by my assigned relationship manager, XXXX XXXX, that my XXXX commitment would be honored. I advised SPS of my hope of having my missed payments setup on a repayment plan spread out over 6-12 months and as directed by SPS I provided the required documentation. On XX/XX/XXXX, SPS denied my request and suggested a SHORT SALE. The action by SPS is contrary to the relief provided for in the CARES ACT. XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX will confirm ownership from XXXX to XX/XX/XXXX. Call XXXX at XXXX XXXX XXXX. XXXX case number XXXX. I have attached copies but if you require better quality please let me know. ejc
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had my mortgage over 30 years. Select Portfolio servicing bought the mortgage. I was in a modificaton. When it ended I was informed that the maturity date on my mortgage came. I am being denied any type of hardship. Now they are threating to foreclose on my home. I am a senior citizen and a XXXX veteran and I don't want to loose my home. Please help me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A