Date Received: 2020-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I called my mortgage servicing company on Monday, XXXX XXXX to see about options for the coronavirus situation. My household is down one income from two now, and most unemployment is being taken for child support so we are barely getting anything from that. The only thing they will do is defer payments for 90 days and then its all due, in my case {$4700.00}. If I dont have the income coming in, then I dont have anything to save up towards paying this huge lump sum in 90 days. As a XXXX Im always struggling anyways! Congress needs to do something to force mortgage companies to not do stuff like this. Tack it onto the end of the loan, that would be better than this! Millions are going to end up losing their homes! The worst day was when I was notified some years back that this company was taking over my mortgage. Ive lived in my home since I graduated from college at the age of XXXX. Im now XXXX. Since this company took my mortgage over, Ive had my payment amount just go up and up over the years. Ive had to work with them before on being unable to make payments as it is as as XXXX and now in this horrible time its going to be worse because they are offering no kind of relief, instead just a plan for failure because who is going to be able to pay thousands in a few months when their income isnt coming in!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64014
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing which is more or less a bill collector they bought this mortgage from a XXXX they are doing the same thing fraudulent billing incorrect billing not being credit for payments made and I have a bankruptcy attorney and they charged me for quotes for a little drive by well that's against the law when you're in the process of filing bankruptcy if everything and have no mess they're taking advantage of someone that is XXXX and elderly and the information is incorrect I keep trying to tell them over and over getting nowhere as usual same as XXXX!! fraudulent billing, not being credit for payments made, change late fee when payment has been made on time!! They know I have a bankruptcy ATTORNEY and still lie breaking laws! Can not change me with there fraudulent charges!! Taking advantage of XXXX and elderly You busted them when it was XXXX morg!! Select Portfolio Serving in not even credited mortgage company They are a bill collection com.. I really need something done they're taking advantage of some of that is XXXX an elderly!! They know about my attorney but yet they still charge my account for something that they didn't even do they have everything I need my attorney 's name number address everything we've been through this with them I have too many times I don't need this please help me I want something down with this company I know I'm not the only one they are no different than XXXX mortgage fraudulent charges I don't know anything that they say I owe over billing don't get credit for payments being overcharged for late payments when I'm not late they know do not call me, attorney but they still call me I can prove that
Company Response: Company believes it acted appropriately as authorized by contract or law
State: KY
Zip: 422XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I called on XX/XX/2020 to inform that I had lost my income weeks prior due to XXXX response, and that I could not make the XXXX and XXXX Payments. We discussed a forbearance program where they agreed to not continue collections and to put off our due dates for 3 months. I was told they would determine how to address the forbearance when the program ended. I received a letter dated XX/XX/XXXX, detailing the forbearance agreement which includes a balloon payment of {$15000.00} on XX/XX/XXXX. I then received an XX/XX/XXXX letter informing me that my loan was in default. Both of these actions appear to clearly be collection activities. I called the company when I received the second letter, still trying to figure out how to reply to the first. On that call of XX/XX/XXXX I was informed that the loan was indeed in default because of my missed payments and that it outlined my options. This hardly seems to be in the spirit of the government guidelines regarding the COVID-19 emergency. I most certainly will not be in a position to pay that balloon payment on XX/XX/XXXX. Contradicting their Plan details, they have mentioned in the letters an ability to, at the end of the plan term, discuss Deferral, a Balloon payment or submitting applications for a repayment plan, mortgage modification, short sale or deed in lieu of foreclosure. I have already attempted recently to get a mortgage modification and was denied. I don't see how after this mess and under the cloud of a default I will receive a different reply.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2020-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a explanation from SPS servicing today XX/XX/XXXX. In this letter it's states that I owe XXXX + an additional {$34000.00}? That brings the total {$150000.00} for this home? If this home was sold you would never receive that price. You never answered to me why this balance never goes down, with this modification loan. I thought a modification is to help you, not to destroy you. My cousin also who lives in Florida got a loan modification, several years after me and her balance has come way down. Me, mines has tripled and will never come down. Why does SPS servicing have a bad XXXX rating, and it definitely shows in the way people are treated by them. My ex bought this home in XXXX for {$89000.00} that's over 21 years ago. What's the purpose of a loan modification, if it's not helping? My Congressman XXXX said that you're doing this to make a profit, when you can eliminate a portion of the debt, and allow me to pay less than I originally borrowed. He said I should be getting a principal reduction and a lower interest rate. Why did you send me another application for a loan modification?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38116
Submitted Via: Web
Date Sent: 2020-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My hardship began in XX/XX/XXXX when I purchased my first home from XXXX XXXX XXXX. I was put into a subprime mortgage and as well as my neighbors in the development named XXXX XXXX in XXXX, Virginia. For the first 2 years I paid my mortgage with no issues but as the XXXX XXXX XXXX took its toll I tried to get a loan modification with no success from XXXX back in XXXX and I didnt know that they were under investigation for mortgage fraud by the US Government. Eventually XXXX XXXX XXXX was purchased by XXXX XXXX XXXX so I was told by XXXX that I would have to submit new paperwork in order for them to process my loan modification and I did in XXXX and just like with XXXX before nothing happened. I then wrote a letter to my XXXX XXXX XXXX at the time for assistance with the matter and that pushed the ball somewhat but alas to no avail. Then when the National Mortgage Settlement occurred that XXXX XXXX XXXX was a Party to I couldnt get any relief from that because my mortgage is not backed by XXXX or XXXX. XXXX XXXX XXXX served both as my Mortgage Servicer and lender of my mortgage so I couldnt take advantage of any relief from the National Mortgage Settlement Lawsuit nor from HAMP, HARP, or other US Government backed programs because my mortgage isnt backed by XXXX or XXXX. I am paying 80 % of my income to my mortgage and I have tried over the decade to get relief but every corner I turn I was faced with roadblocks and hindrances from XXXX XXXX XXXX. XXXX and thus XXXX XXXX XXXX KNEW I was in a subprime mortgage and they did nothing to help me but stall me to no end. I went through the arduous task of getting a Forensic Audit on my mortgage which showed huge gaps and illegalities. I am in a position where I can not afford legal counsel to go after XXXX XXXX XXXX well now SPServicing who is the current holder of my mortgage as of XX/XX/XXXX. I am a XXXX service-connected Veteran and I can't get any relief from this mortgage even from the VA and I can't even use my VA Home Loan benefits to get me from under this oppressive mortgage. This mortgage is FRAUD through and through and I am in desperate need of help. I am seeking complete mortgage relief.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a property foreclosure sale date set for XX/XX/2020, I have requested mortgage assistance with my mortgage company several times, they have given me the run a round saying they didn't receive my documents and refusing to assist me with my mortgage. Received foreclosure notice from Foreclosure Attorney and Select Port Folio a sale date has been set for my home to foreclose even though the president of the United States has imposed the Care Act because of Covid-19 stopping property foreclosures sales nationwide. I have recently submitted another request for mortgage assistance including my financials to Select Port Folio.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I did a Loan Modification about a year ago, and after several months I fall ONE MONTH behind, but I was able to keep making my monthly mortgage payments every month, ( with one, or two months ain arrears ), and they keep accept all my payments. when the COVID19 strikes, I applied for a Loan Forbearance at my Servicer 's website, and the wrote me a letter stating that they accepted the Loan Forbearance by 3 months, but at the 4th month I need to pay more that {$15000.00} I am writing them back telling them in writing, that I do not accept this Forbearance, and that we can make other types of arrangements. I will call them soon, but just in case I am filing this complaint. My monthly payment is {$1600.00} a month. I was paying this amount every month. I GOT ALL THE PROOFS I wont pay XXXX I cant
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: the company said they are offering a covid relief program which I requested assistance and they are saying a balloon payment is owed in XXXX I called the company and I was told that if I can't make this payment they will be talking taking litigation steps how are people who have lost their job able to keep their homes
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80227
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The Mortgage Servicer, i.e. Select Portfolio Servicing Inc. ( SPS ) took over my mortgage Account from XXXX XXXX back in XX/XX/XXXX. I contacted Select SPS by phone on XX/XX/XXXX around XXXX for two ( 2 ) concern. A guy picked up my call and we had aa bad conversation ( comin from him ). My Questions were 3 1st question was for the Year ended Statement ( XXXX ). I asked for IRS Form 1098 statement and he gave me YTD Interest & Real Estate I Paid all of XXXX. He gave me ebginning from XX/XX/XXXX. I needed for the whole year ( XXXX ). He rudley that I have to call the previous mortgage holder. I told him that that I tried with no success. I can file my XXXX Tax Return w/o those info. 2, SPS charges $ 15/month for on line payment. This issue began in XX/XX/XXXX. I pay on line w/o help. That is a ripoff. SPS is dwelling on XXXX, XXXX and elderly people. SPS has a pattern to take advantage of these groups. I am surprised that the Government allows them to operate. 3. Hostile and Rude customer Service Reps.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 20784
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A