Date Received: 2020-02-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been asking for a loan modification for years. In particular, we have asked for a lower interest rate ( ours is 6.5 % ), an extension of terms, have provided info regarding why we were struggling. The answer by our loan servicer has always been a repayment plan making the monthly payment even larger. Last offer, that we accepted, was a balloon payment which only brought our account current. Monthly loan payment still exorbitantly high. Our servicer, Select Portfolio Servicing, is not customer oriented and really has not offered us any significant relief.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX ; DO YOU OWN THIS ACCOUNT? HAS THIS ACCOUNT BEEN INCLUDED IN ANY LAWSUITS AGAINST XXXX XXXX? XXXX XXXX ; YOU ARE REQUIRED TO RESPOND TO DIRECT QUESTIONS TO XXXX XXXX. WILL YOU GRANT ME A QUIT CLAIM DEED? IF SO PLEASE TELL ME HOW TO REQUEST THE QUIT CLAIM DEED. HAS THIS ACCOUNT BEEN LIQUIDATED AND INCLUDED IN A SETTLEMENT? I AM WILLING TO work with XXXX XXXX to grant me a quit claim deed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I just called SPS the old mortgage company for my mother XXXX XXXX and they told me, the loan is not closed!!!!!! They told me the loan was short {$1800.00} how can that BE we had the pay off from SPS and I know they are lying because they are now harassing my mother for payment. The big thing is I did not know about this until now!!!!!! They claim they are working with someone called XXXX at phone number XXXX from your company. I need to YOU to take care of this today!!!!!!! I will call you today I need this solved today or that you and I WILL take SPS to court for harassment I need your help the loan closed and has been paid off and now sps wants more money the pay of was paid!!!!!!!! now they are harassing for more money XXXX XXXX. They also called and demanded payment from the closing company XXXX after they the closing company called a day before closing to verify the pay was correct!!!! the pay off was correct!!!!!!! Return the XXXX You stole from the closing company and stop harassing XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio out of Utah took over my XXXX XXXX home loan. They have double charged me for XXXX and then reported a late payment to my XXXX XXXX credit bureau even though I made two payments. They have not credited me for the second payment for XXXX XXXX but rather double charged me for XXXX and is claiming I was late for the prior month which I was not. This is the second time this company had done this to me in an effort to levy huge penalties on me later. At one point they were charging me in excess of {$400.00} per month in penalties on a {$430.00} loan. I have complained about this before and asked for this to be investigated but nothing was done. They got away with this. They are trying to do it again. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is the second time I have reached out for your assistance but I have not gotten any responses. I have been trying to modify my mortgage for over two years to make the payment more affordable. No payments have been accepted by them during this time. I was finally told in XXXX they would modify my mortgage and the payment would INCREASE due to the amount it was behind. I agreed to this. I was asked to submit paperwork and did. Several days later, I was contacted and said that was a MISTAKE and my relationship Manager should not have told me that. Since that time, they keep sending me info about foreclosure and a hearing is set for XX/XX/ 2019, not a sale date. At the same time, they assigned me a new Relationship Manager who knew nothing of my case and has not helped at all. I talked to the Ombudsman Dept who offered to have me pay {$25000.00} a month and XXXX down which I can not do. I countered with XXXX ( which is a double payment ). They said they would get back to me. Now, I am being told the " investor '' wont allow it. I called the investor and was told this is incorrect info. I also agree that I would sell my home if I had too but this " hearing '' should be stopped. No one is responding to me and the info I have been given time after time is inaccurate. I cant cure the past due because they have ruined my credit score during this. And are ignoring me and telling me lies. I am in the business and understand the huge amount of errors that have occurred. I need help either having them give me six to nine months to sell my home and they can be paid off completely or them accepting the {$8800.00} payment I have offered to catch this up. The left hand does not know what the right hand is doing and even the atty they hired has made many huge mistakes and compromised my privacy. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2020-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Plaintiff submits this complaint only as it violates separate federal consumer law, not as a plaintiff in a law suit. I want you to look at it from just CFPB rules violated only! I am demanding that this agency investigate and enforce these violations.SEE : Executive Order XXXX of XX/XX/XXXX : Promoting the Rule of Law Through Transparency and Fairness in Civil Administrative Enforcement and Adjudication. https : XXXX-and XXXX actually held the CONCEALED Note and the original Note in their vault. The newer Note was not filed with the XXXX CT state complaint, XXXX concealed it, as would SPS when they became servicer. XXXX XXXX issued Plaintiff a Note with XXXX Payments of {$10000.00} when he could hardly pay {$3000.00}, after they canceled the original Note. XXXX XXXX then instructed XXXX to conceal the second Note and to sue Plaintiff on the Note with XXXX Payments of {$10000.00}, but sent statements on Payments of {$10000.00}, the new concealed modified Note. XXXX XXXX, XXXX and SPS are mandated by state and federal law to do the right thing when mortgage lending, communicating with borrowers and in their representations and communications with the court. XXXX and XXXX XXXX made the fateful decision on XX/XX/XXXX to file, in bad faith, a complaint on an expired Note and Security Instrument. At the same time, all defendants would end up suppressing and concealing the newer, but still illegal, modified Note and Security Instrument because it showed that XXXX XXXX broke the law by issuing an unsuitable adhesion modified Note and Security Instrument designed to replace the wrongful originated Note and Security Instrument to benefit only themselves by suppression of the wrong doing by XXXX in the originating Note and Security Instrument. Were there other ulterior motives not to correct Plaintiffs Note and Security Instrument? Instead of fixing both wrongful Note and Security Instruments, allowing Plaintiff to survive in business and in personal health, XXXX XXXX, XXXX and SPS caused, and are liable for, great economic and emotional loss for Plaintiff who acted in good faith and tried to compromise repeatedly for five years.Plaintiff claims distress from constant ( XXXX ) critogenic pressures. The acronym ( XXXX ) stands for XXXX XXXX XXXX XXXX XXXX, as Plaintiff terms it. See What Roles Do Emotions Play in the Law? at XXXX This case is about XXXX XXXX XXXX caused by 1,000s of individual stressful events, both phone and litigation, inflicted by all Defendants whose work intertwined with each of the others, working together over a ten-year period to collect money that Plaintiff did not have, or owe for that matter, i.e. on the invalidated Note. This case is not about money for moneys sake. It is about money for injuries and rampant abuse of the suppression of rightful evidence that would show liability that extended the duration of unreasonable harassment in the court and on the phone that would have allowed Plaintiff relief from the totality of all injuries, physical, emotionally and economical, inflicted by XXXX XXXX, XXXX and SPS, a XXXX XXXX collection frim. Furthermore, this case is not about losing a property. It is about injuries inflicted during the loss of Plaintiffs home. XXXX XXXX received money from the sale of Plaintiffs property, by way of conversion, because it was taken improperly by using the invalid XX/XX/XXXX original Note # 1 terminated on XX/XX/XXXX that the court was led to believe were in good order. Judge, you were deceived. You have been Noticed of broken laws. Plaintiff Moves the court to properly adjudicate this matter. Neither the district court or the Magistrate court had nor have Plaintiffs permission to disregard the totality of his circumstances, respectfully but with true concern. His intention from day one was to include the totality of all circumstances. Plaintiff Moves the court to include the totality of circumstances and if not explain why not. This is another bit of proof that XXXX XXXX and SPS were allegedly guilty of improper prohibited process and abuse of the law. Not once did any Defendant attempt to properly Notice the state court of the concealed prohibited modified XX/XX/XXXX Note # 2 that was concealed that would have benefited Mr., where conflicting issues remain. Plaintiff filed this lawsuit against two bank companies and one loan servicing company Defendants XXXX XXXX XXXX XXXX. XXXX et al, XXXX XXXX XXXX, et al and Select Portfolio Servicers , Inc., et al as aggressors with alleged liability and causation for improper litigation on an irrelevant Note and Security Instrument when the relevant modified Note and Security Instrument was being concealed. And as aggressors with excessive unreasonable collection call behaviors and methods that caused Injured Party, a XXXX Veteran, to suffer extraordinary long-term harm and injuries that compounded. Plaintiff s individual injuries from bank and servicer overkill accumulated, pushing him down mentally and physically, with each event over duration of ten years ( XX/XX/XXXX-XX/XX/XXXX ). This continued EVEN AFTER Plaintiff told them repeatedly that he was already injured physically and mentally, that he had XXXX, that he did not want the calls to continue and to cease and desist, and astoundingly, after they put in writing that they would stop calling him. Yet they continued to call him, even calling and recording him twice, after he again complained. Much of what Plaintiff complained about was never recorded in their logs by Chases callers. Each distressful prohibited communication and prohibited litigation event built upon the last prohibited communication and prohibited litigation event. This constant harassment eventually drove Plaintiff out of business and into a XXXX XXXX because he had to spend all of his time and money defending against prohibited calls and prohibited litigation. Each call on the illegal irrelevant original Note, while the relevant Note was being concealed felt like being stabbed over and over again with a pen knife. It is intended to cause discomfort in order to entice late payments to be paid. Politely calling once or twice is not unreasonable. But calling over 250 times after you told them to stop would be horrendous to any average person. Only an XXXX XXXX XXXX would not be able to see that as it would apply to someone suing and calling with such disregard for legal procedure that would give the appearance of the collapse of the rule of law. It shows that they can not put themselves in another persons shoes. And that does not include THE DURATION of ten years of all of the improper, horrifying and traumatic litigation procedural abuse on the irrelevant original Note on a Plaintiff with the injuries herein. Plaintiff was and is entitled to closure from improper harassment, and on terms that are legal. This does not include hundreds of other calls in other concealed and suppressed XXXX and XXXX phone logs. Plaintiff sued all Defendants on the totality of thousands of litigation events and calling events that referred to the litigation events that caused him emotional ( and physical ) distress including suppression by causing thousands of intimidating misleading communication events by phone, misleading mail, misleading email and wrongful misleading litigation and unreasonable excessive misleading collection communication, combined with unreasonable delay, and suppression of Plaintiff s right to Due Process. The combination of the never-ending improper litigation harassment communication events and improper collection mail and telephone intrusion upon seclusion communication events, including all statements sent to plaintiff on the Note # 2, which they never filed in XXXX XXXX Records, after being told to stop, for ten years, over and over and over again, on invalidated documents filed where the state court was led to believe that the papers filed were valid and in good order. However, these were invalid original Note # 1 papers, filed by lawyers who took it upon them selves outside the law to suppress, conceal, exclude and omit valid, ( vital to justice ), contract documents they decided should be suppressed. All you have to do is ask the defendant 's if they filed the modified Note in CT state court. It was the duration and repeated inflictions of thousands of individual tele-harassment and wrongful litigation harassment events, ( XX/XX/XXXX caused XX/XX/XXXX), events for ten years on an illegally filed, expired original Note and Security Instrument while concealing the true nature of the modified Note. Objection : IT WAS NOT JUST PHONE CALLS. IT WAS EVERYTHING THEY WERE DOING IMPROPERLY THAT CAUSED PLAINTIFFS BUSINESS TO CRUMBLE AND FROM XXXX XXXX XXXX. The Defendant 's used this harassment formula because it kept pushing Plaintiff down, so far that, after a while he could not get up, and many times literally. The Core of Plaintiffs CFPB COMPLAINT is Defendants liability for allegedly inflicting debilitating emotional distress, un-reasonably inflicted upon Plaintiff XXXX after he told them to stop, caused by the duration of the totality of circumstances, of 1,000s of improper litigation and collection telephone and letter communication events on a suppressed, concealed and omitted prohibited XX/XX/XXXX modified Note and Security Instrument and while they sued Plaintiff in state court on a XX/XX/XXXX Note and Security Instrument with discharged terms and conditions. Defendants harassed Plaintiff for ten years on an invalid Note while concealing the valid superseding Note. See attached
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Thanks to cfpb, SPS is trying to help me with my current mortgage situation after my home was destroyed along with 600 other in the WOOLSEY FIRE on XX/XX/XXXX Fema disaster number XXXX. My Fema disaster number XXXX After trying for 6 months and being pushed around from department to department, I FINALLY recieved some resolution from XXXX XXXX from the Ombudsman. Again this was only after I had to file a complaint. XXXX and I worked out an agreement that I would be paying XXXX starting in XXXX for 6 months, and repay with a balloon payment at the end. I tried to push all my payments off until after the rebuild and apply to my principle, but this was not an option. That would have been nice and less stressful for me because it has not been easy to have to come up with a mortgage payment on a home that is no longer there and having to pay rent else where. I have been making the payments, but SPS has reported the XXXX payments late. This is now effecting my credit. I have perfect credit, but now this is an issue. I called to find out what was going on about the reporting to the credit bureaus and have heard nothing. I also asked XXXX about what she could do to help me being a Fema victim and she said that I am not marked a Fema victim and she could not call Fema and ask them. This was not in her job title. I called Fema and they do not send out letter to mortgage companies stating so. So here I stand a victim but SPS not acknowledging it? Fema said all they have to do is call the 800 Fema number and give those case numbers and they would confirm it. The Woolsey fire has been declared a Natural Disaster thru XX/XX/XXXX and may go on longer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing bought my mortgage from my previous mortgage lender XXXX XXXX on XX/XX/2019. Right away, SPS they told me that I had not made a payment for XX/XX/XXXX to XXXX XXXX, and that I was already behind. I contacted XXXX XXXX to make sure they processed my XX/XX/XXXX payment and that all previous payments were up to date. XXXX XXXX sent me a copy of all transactions showing that everything was fine, including my XX/XX/XXXX payment. SPS has decided, even with a copy of the transaction from XXXX XXXX and my personal bank statement showing the transaction, to Not recognize the payment to XXXX XXXX XXXX. SPS has also inflated my escrow monthly balance to XXXX. The tax amount on my property is {$1100.00} annually, and my insurance is about {$1100.00}. I have asked SPS for documentation for the escrow overage, but they will not provide me with the documentation as of today. I had made a payment ( s ) to SPS in the amount of {$1000.00} in XX/XX/XXXX and another payment in the amount of {$1000.00} in XX/XX/XXXX. I received a notified letter from SPS over the weekend, that my loan is in default, so I am seeking help. Thank you, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2020-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a 6 month Libor rate ... The reset indicates that the rate is based on the first business date preceding the month of change .... SPS used the XXXX XXXX of XXXX ... My contention is they should have used the XXXX of XXXX.. With that said I don't want to allow them to change my contract so that in the future they might be able to assert I accepted the change when SPS may have bigger financial incentive to do so. Thank you for your time. Regards, XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying for years to get resolution with XXXX XXXX and XXXX XXXX XXXX, as well as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pass Through Certificates XXXX. This mortgage was settled and paid XX/XX/2012. It was liquidated, charged off, paid off with Federal Relief Funds and all Investors were notified. The mortgage was included in Federal Court Case against XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX. After I settled my case against XXXX XXXX XXXX and the Judge ruled in my favor, XXXX XXXX XXXX washed their hands of my mortgage and liquidated it. Then Select Portfolio Servicing assigned the themselves the servicing rights for a mortgage that has been paid off with Federal Relief Funds. When I inquire about granting me a Full Reconvyence to SPS, they tell me that the Investor and Owner of the Account is XXXX XXXX XXXX. When I inquire through the Consumer Financial Protection Agency, XXXX XXXX XXXX replies to my complaint with ; " We are not associated with this account ''. Now XXXX XXXX XXXX has written to SPS and hopefully agrees that a quick claim deed or Full Reconvyence will be granted. MIN # XXXX. APN # XXXX. I would like to put this behind me and move on with my life. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A