Date Received: 2020-01-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NOTICE ; False, deceptive, misleading foreclosure alleged XXXX XXXX XXXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT and HOME EQUITY CREDIT LINE DEED OF TRUST are defected and SELECT PORFOLIO SERVICING.INC. XXXX XXXX XXXX. XXXX do false, deceptive, misleading representation for following reasons : 1- Both alleged XXXX XXXX XXXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT and HOME EQUITY CREDIT LINE DEED OF TRUS have wrong address. 2- I, XXXX XXXX is only one signed XXXX XXXX XXXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT. 3- XXXX XXXX is not party in alleged XXXX XXXX XXXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT. 4- on HOME EQUITY CREDIT LINE DEED OF TRUST? trustee is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Virginia XXXX? When he fired? ALLEGED NOTE and DEED OF TRUST separated multi times. And breached. 5- XXXX XXXX XXXX XXXX breached its contract and therefore, three ( 3 ) of our property unlawfully foreclosed. 6- there is two different account number one ending XXXX ( closed on XX/XX/XXXX ) and other ending XXXX ( closed on XX/XX/XXXX ), with one XXXX XXXX XXXX EQUITY MAXIMIZER AGREEMENT AND DISCLOSURE STATEMENT and HOME EQUITY CREDIT LINE DEED OF TRUST. 7- Alleged account ending XXXX foreclosed, and closed by XXXX XXXX XXXX XXXX on XX/XX/XXXX before complaint filed on XX/XX/XXXX XXXX.by /s/ XXXX XXXX, esq. with XXXX XXXX XXXX , XXXX. case No XXXX XXXX XXXX ( XXXX ) at SUPERIOR COURT OF DISTRICT OF COLUMBIA. 8- Per XXXX XXXX XXXX Notice Date : XX/XX/XXXX account ending XXXX closed onXXXX stated the servicing of your home equity line of credit transfer to Select Portfolio Servicing Inc. on XX/XX/XXXX. 9- XXXX XXXX XXXX , XXXX DO NOT HAVE STANDING, and there is non-trial, Therefore all court orders case number XXXX XXXX ( XXXX ) are void and nulls ab initio. 10- Alleged XXXX XXXX XXXX XXXX interest transferred to XXXX XXXX XXXX XXXX per XXXX XXXX letter dated XX/XX/XXXX. Without any facts. 11- XXXX XXXX from XXXX XXXX XXXX , XXXX counsel for XXXX XXXX XXXX , XXXX. stated if we do not hear from you, we will assume that you do not consent transfer XXXX XXXX XXXX INTEREST to XXXX XXXX XXXX XXXX. 12- I do not know CEO, address and contact information of XXXX XXXX XXXX XXXX or any of their agreement WITH XXXX XXXX XXXX , XXXX. 13- which one is correct XXXX XXXX XXXXXXXX letter stated XX/XX/XXXX account ending XXXX closed onXXXX stated the servicing of your home equity line of credit transfer to Select Portfolio Servicing Inc. on XX/XX/XXXX. Or XXXX XXXX hear say statement XXXX XXXX XXXX XXXX interest transferred to XXXX XXXX XXXX XXXX. 14- If interest of XXXX XXXX XXXX XXXX transferred to XXXX XXXX XXXX XXXX with COOPERATION ASSIGNMENT OF DEED OF TRUST FILED ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX, SELECT PORFOLIO SERVICING, INC.Doc # : XXXX, why XXXX XXXX XXXX , XXXX foreclose alleged debt on behalf of XXXX XXXX XXXX XXXX, and SELECT PORFOLIO SERVICING, INC. 15- Which alleged lien DID transfer to XXXX XXXX XXXX XXXX what is the amount and who will get all the payments from foreclosure? 16- I, XXXX XXXX do not have any copy of retainer agreement between XXXX XXXX XXXX XXXX XXXX . with XXXX XXXX XXXX XXXX and SELECT PORFOLIO SERVICING, INC. 17- I XXXX XXXX do not know who is CEO and contact information and address of XXXX XXXX XXXX XXXX. 18- Both SELECT PORFOLIO SERVICING .INC and XXXX XXXX XXXX XXXX schedule JUDICIAL Foreclosure on XX/XX/XXXX WITHOUT ANY TRIAL. 19- There is one lien or two liens?? Who is noteholder SELECT PORTFOLIO SERVISING INC. RESPONDS on XX/XX/XXXX Validation of Debt - In your inquiries, you requested that we provide evidence of the debt. SPS is a mortgage servicer and the servicing of your account was transferred to SPS on XX/XX/XXXX. We have enclosed a copy of the Notice of Servicing Transfer evidencing this transfer. As a servicer, we service the account according to the terms of the XXXX XXXX XXXX Equity Maximizer Agreement and Disclosure Statement ( Note ) and Deed of Trust. Please find enclosed a copy of the Note and Deed of Trust that were signed by you during the origination. Please note, for additional clarification, that SPS services the second lien on the subject property. We do not service the first lien referenced in your inquiry. Servicing Rights - In your inquiries, you questioned SPSs authority to service your account. Please understand that servicing rights and duties are established by contract between the Noteholder and the servicer. As the servicer, SPS is responsible for enforcing the Deed of Trust and Note on behalf of the Noteholder. Please note SPS does not originate loans. Prior Servicers - In your inquiries, you expressed dissatisfaction with how prior servicers handled the account. We are unable to speak on behalf of prior servicers actions. However, SPS is confident that the servicing of your loan by SPS has been compliant with all applicable state and federal regulations. SPS is committed to assisting customers. Please see the enclosed Early Intervention Notice dated XX/XX/XXXX, advising of the loss mitigation options that you may qualify for. In addition, we have attempted to contact you to discuss the account ; however, no contact was made until XX/XX/XXXX. Foreclosure - In your inquiries, you requested we cancel the foreclosure sale scheduled. Please be advised the foreclosure sale has been cancelled. We have enclosed the Foreclosure Sale Date Change Notice, for your review. As of the date of this letter, the account is due for XX/XX/XXXX. I NEVER HAD 2ND LIEN, AND ALLEGED LINE OF CREDIT PASSED STATUE OF LIMITATION AND BREACHED BY ALLEGED LOAN GENERATOR. 20- If XXXX XXXX XXXX XXXX XXXX FORECLOSE ALLEGED LIEN ENDING XXXX ( closed on XX/XX/XXXX ), AND SELECT PORFOLIO FORECLOSE LIEN ENDING XXXX ( closed on XX/XX/XXXX ), THAT MEANS ALL are false, deceptive, misleading representation, BECAUSE I, NEVER HAD TWO LIENS, and they can not provide two liens NOTES and DEED OF TRUST. 21- Both SELECT PORFOLIO SERVICING.INC and XXXX XXXX XXXX XXXX schedule judicial Foreclosure without any trial on XX/XX/XXXX for which alleged lien? Why XXXX XXXX XXXX XXXX, their substitute trustees are on XXXX XXXX XXXX JUDICIAL SALE without any trial, and who will get all the PAYMENTS? 22- There is non-court order judge appoint trustee or substitute trustee. There was no trial all hear say.if there was any trial I need a copy of all transcript. 23- XXXX XXXX XXXX claim Substitute trustee appointed by court, and it is judicial sale, XXXX XXXX XXXX stated XXXX XXXX XXXX XXXX XXXX XXXX XXXX , et, al. court appointed trustee. This is a False misleading statements. There was non-trial. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as Substitute Trustees same as APPOINT OF SUBSTITUTE TRUSTEES FILLED ON XX/XX/XXXX Doc # : XXXX by XXXX # XXXX for account ending XXXX closed on XX/XX/XXXX. All land record filling without any chain of title it is slander, and cloud my property known as XXXX XXXX XXXX record and it is a trap for unlawful, deceptive foreclosure such as : 24- 1-APPOINT OF SUBSTITUTE TRUSTEES FILLED ON XX/XX/XXXX Doc # : XXXX by XXXX # XXXX. And their names are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX as Substitute Trustees 25- 2-NOTICE OF LIS PENDENCE FILED ON XX/XX/XXXX Doc # : XXXX by XXXX XXXX XXXX # : XXXX. 26- 3-ASSIGNMENT OF DEED OF TRUST FILED ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DOC # : XXXX 27- 4-COOPERATION ASSIGNMENT OF DEED OF TRUST FILED ON XX/XX/XXXX BY XXXX XXXX XXXX XXXX , SELECT PORFOLIO SERVICING, INC.Doc # : XXXX 28- 5- and others that are not named from DEED record 29- On Thursday, XX/XX/XXXX, XXXX XXXX XXXX to Pay {$16.00} Billion in Historic Justice Department Settlement for Financial Fraud Leading up to and During the Financial Crisis 30- Seperation of NOTE and DEED OF TRUST and breach of agreement, without affidavit or testimony and without any trial all of the orders on case XXXX ( XXXX ) are hear say and all orders are void and null. and all prove false, deceptive, misleading foreclosure. And all violation of due process of law and violation of FDCPA. And violate my constitution right 4th, 5th, 7th, 9th amendments. And attempt to steal property. 31- Without any chain of titles all are here say, 32- What is penalty for breach of contract and false, deceptive, misleading representation? 33- Did XXXX XXXX , XXXX XXXX rebutted or respond to any of Aggrieved partys verification, validation, and dispute notice that aggrieved party sent via certify mail and via email on ( 1st ( XX/XX/XXXX ) ,2nd ( XX/XX/XXXX ), 3rd ( XX/XX/XXXX ) notices, AND AFFIDAVITH OF TRUTH ( XX/XX/XXXX ), and friendly letter ( XX/XX/XXXX ) and default judgment ( XX/XX/XXXX ) ,1st ( XX/XX/XXXX ), 2nd ( XX/XX/XXXX ), 3rd ( XX/XX/XXXX ) notices of opportunity to cure, motion to comply ( XX/XX/XXXX ) .opposition to opposition to do not comply ( XX/XX/XXXX ) affidavit of material fact ( XX/XX/XXXX ). Notice Special appearance ( XX/XX/XXXX ), notice XX/XX/XXXX, and notice XX/XX/XXXX? 35- I demand a copy of NOTE and DEED OF TRUST and account history for alleged account ending in XXXX ( closed on XX/XX/XXXX same LOC, balance {$0.00}, no contract ), 2nd ending in XXXX ( closed on XX/XX/XXXX same LOC, balance {$0.00}, no contract ), and 3rd ending in XXXX ( opened by debt collector SELECT PORTFOLIO SERVICING , INC. , same LOC, no contract ). 36- I, demand a copy of formal verifiable complaint under oath or affirmation and under penalty of perjury for alleged account ending in XXXX ( closed on XX/XX/XXXX same LOC, balance {$0.00}, no contract ), 2nd ending in XXXX ( closed on XX/XX/XXXX same LOC, balance {$0.00}, no contract ), and 3rd ending in XXXX ( opened by 3rd party debt collector SPS , same LOC, no contract ). 37- I, demand name and address, and contact information any man or woman claim own alleged debt. And when, what, how I damaged him or her financially? 38- XXXX XXXX XXXX XXXX , SELECTIVE PORFOLIO SERVICING.INC and XXXX XXXX XXXX XXXX, Please note that still I have no record of doing business with you and I, need to know who you are and to verify your claim. Please note that my time is a very limited resource and if you fail to provide the necessary information, such as : 40- 1- I demand a copy of SELECT PORFOLIO SERVICING, INCXXXX, AND XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX. charter if were incorporated, partnership, sole proprietorship, etc. and name and address and contact information of SELECTIVE PORFOLIO SERVICING, INC., and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX. CEO, and copy of their License with time and place of registration, all the particulars needed to perfect alleged lien and claim. 41- 2- I demand, if there is any contract to prove I, XXXX XXXX have contract with SELECT PORFOLIO SERVICING, INC, and XXXX XXXX XXXX XXXX , and XXXX XXXX XXXX , XXXX. I need a copy immediately. 42- 3-I demand a copy of chain of title naming SELECTIVE PORFOLIO SERVICING, INC. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX , XXXX. as the real party of interest or holder of the negotiable instrument of alleged 1st and alleged 2nd lien. 43- As you know there is no agreement or contract in the absence of mutual consent? 44- extortion and Fraud is felony 45- If I deposit anyone 's negotiable instrument without a contract authorizing it, and steal property I would go to jail. If it was our policy to violate a contract, I could go to jail for a very long time. 46- What is the name, address and contact information of man or woman claiming own alleged debt? 47- Federal False Claims Act [ 31 U.S.C. 3729-3733, Section 3729. ] False claims 48- [ 15 U.S. Code 1692f. ] Unfair practices 49- Conspiring to deprive rights retained by the people [ 18 U.S.C. 241 ]. 50- Deprivation of rights retained by the people by action under color of law [ 18 U.S.C. 242 ]. 51- 9-61.200 - National Stolen Property Act18 U.S.C. 2311, 2314, and 2315 52- The Federal Bureau of Investigation has investigative jurisdiction for the stolen property offenses set forth in 18 U.S.C. 2311, 2314 and 2315. The Office of Enforcement Operations of the Criminal Division has supervisory responsibility over offenses arising under 18 U.S.C. 2314 and 2315. 53- 1318. National Stolen Property Act -- " Falsely Made, Forged, Altered, Or Counterfeited '' 54- The Federal Bureau of Investigation has investigative jurisdiction for the stolen property offenses set forth in 18 U.S.C. 2311, 2314 and 2315. The Office of Enforcement Operations of the Criminal Division has supervisory responsibility over offenses arising under 18 U.S.C. 2314 and 2315. 55- Standing : The Foreclosing Party Must Prove It Has the Right to Foreclose 56- What is the minimum amount that any man can fraud? 57- What is the minimum amount of fraud any man can endure? 58- I, demand stop false, deceptive, unlawful foreclosure immediately. 59- I, demand SUPERIOR COURT OF WASHINGTON DC CASE NO. XXXX XXXX XXXX XXXX ( XXXX ) close with prejudice immediately. 60- I demand all of the false instrument in land record have notice of satisfaction immediately to prevent future harassments, and unlawful, deceptive foreclosure attempt again. 58- I have no record of doing business with you and I, need to know who you are and to verify your claim. Please note that my time is a very limited resource and if you fail to provide the necessary information, you agree to compensate me for my expended resources dealing with your matter at the rate of $ XXXX/minute. my compensation for any court i attend is {$500000.00}. i am able, ready, willing to settle any debt that is true, due and owing. i say here and will verify in open court that all here said are true I reserve all my rights with prejudice, including amend my notice, exhibits, and add more counts violations. Respectfully submitted BY ; XXXX XXXX XXXX XXXX : costumer advocate for SELECT PORTFOLIO SERVICING INC. XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Spservicing.com XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Maryland XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX District Of Columbia XXXX XXXX XXXX, XXXX, XXXX XXXX | Washington, DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTACT : UNKNOWN Address : unknown Tel : unknown Contract : unknown Website : unknown
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is with SPS Select Portfolio Servicing.XXXX XXXX, XXXX XXXX XXXX, UT XXXX I am set up for Bi-Monthly autopay withdrawals from my bank account. I received a statement showing no payments since XX/XX/XXXX which means I'm close to two months behind and being charged late fees. When calling SPS customer service the agent DID see I was still active on their autopay program and had no idea what the problem was. I was put on hold several times until we hit 30 minutes and still no resolve. I requested the late fee removed since this error falls on SPS and a resolution ASAP before my credit is affected. The agent, days later never got back to me and this problem should be resolved within minutes. I checked the XXXX and saw pages of complaints regarding SPS and some were exactly like mine stating some customers could not get assistance or return calls. I could send you that link if needed. I have not heard from their ombudsman either and when I called customer service minutes ago they knew nothing about my case but again I was told they would get back to me. I never wanted this mortgage company but after a recent RE-FI, the mortgage was sold my mortgage so I had no control of the situation. Until XX/XX/XXXX, at this time I owe {$2900.00} which includes penalties. I should be paying {$720.00} every two weeks but due to their error, the amount is adding quickly and also affecting the amount of interest paid. Even if or when this is rectified I fear more problems with this company in years to come if something this simple can not be resolved easily.
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2020-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been in my home for over 15 years and I want to keep my property. There has been a lot of confusion and miscommunication that have left me now in the edge of loosing my home. The mortgage company has made modification on my property and I have been making payments but there was a balance due that has been carry thru the years. This amount was accumulated when I lost my job and I have tried to pay it off thru payments plan but the mortgage drop me from the payment plan because I file XXXX XXXX for my Home owners association. I just need help to keep my home. I have a full time job and my mother and son also contribute towards my overall payment. I can afford to pay and I am willing to pay it just that the lender tells me we drop you we are not going to take your payment then when I stop paying they call me and say, you are behind and need to pay. I has been very confusing dealing with this Lender. Now they don't want to work with me they want me to short sell or give up my property, but I have been here for over 15 years and have been making payment. My payment history shows I have been making payments until they, the lender told me that I was no longer in the payment plan and told me to go to their website to request a new refinance and that what has made this worse now. I just want to continue paying to keep my HOME.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have requested mortgage assistance with my servicer Select Port Folio, my request is being processed. Received letter from foreclosure attorney dated XXXX XXXX XXXX XXXX stating a property foreclosure sale is set for XXXX. State of Tennessee requires the homeowner to receive notice of foreclosure sale 30 days prior to the sale date per Tennessee Code Annotated. Didn't receive letter until XXXX that is not the required 30 day notice. Did not received letter stating the mortgage debt is being accelerated from my mortgage company or the amount of the mortgage debt. from mortgage company or foreclosure attorney. Select Port Folio sent me correspondence stating a property foreclosure sale WOULD NOT be set for my home while they were processing my request for mortgage modification. Please Help See Attachments
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 383XX
Submitted Via: Web
Date Sent: 2020-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX transfer my home Loan to other entity that is part of the same XXXX XXXX XXXX too. And, the name OF THE NEW COMPANY MANAGEMENT MY HOME LOAN is S.P.S : Select Portfolio Servicing , INC . I paid in advance the home insurance of XXXX : I did the payment in XXXX XX/XX/XXXX : {$1200.00} to cover XXXX full home insurance year. I wait for the insurance refund and finally with the last four monthly loan payments, I wrote to S.P.S REQUESTING FOR MY REFUND OF $ XXXX, AND STILL WITHOUT RECEIVED MY REFUND. I send the refund requested via certified mails : XX/XX/XXXX : Certified mail # : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX In addition in the tax information they report the payment of that amount, also the insurance company of the home : XXXX XXXX XXXX send me and sent it to S.P.S THE RECEIVED WHEN I did the payment. I have been waiting more than a year, and S.P.S STILL WITHOUT SEND ME THE REFUND.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2020-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time from XX/XX/XXXX XXXX. Mr. XXXX from the origination of XXXX XXXX in XXXX to previous current XXXX XXXX XXXX XX/XX/XXXX to currently XXXX XXXX XXXX XXXX applied to modify this mortgage, all lenders never followed through. There have been 5 lender companies starting with XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX to XXXX XXXX XXXX currently. Each of these five lenders was convicted of mortgage fraud violations. Each lender put the homeowner into an imminent failure scenario, failed to process the loss mitigation application in a timely manner. Each lender is obligated to continue the loss mitigation process when the mortgage assets are acquired from a previous lender. The continued loan mitigation process did not happen and discriminated against homeowner 's mortgage. These failures favored the lenders and denied the owner just process under federal law. On XX/XX/XXXX XXXX XXXX XXXX was convicted of Diversion of loan proceeds, Negligent Entrustment, Deceptive Trade practices and fraud deceptive practices in violation of the RICO Act. Shortly afterward starting in XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX acquired the loan and in one year time, nine principles of the company were convicted of mortgage fraud violations. During this time the homeowner was in the process of a loan modification that never was completed by the lender ceasing operations. Currently, XXXX XXXX XXXX acquired the mortgage XX/XX/XXXX to current. The homeowner was to continue the loan modification process. The owner XXXX XXXX repeatedly contacted the lender to complete the loan modification under federal HAMP program loss mitigation. The owner provided various times copies of the application with supporting documents only to be told the document was lost, resubmit. XXXX resubmitted several times with no results. The homeowner now finds himself in a foreclosure proceeding from the new processor SPS Servicing. I have tried many times to call SPS, was put on hold for extended periods : then hung up : I was never able to talk to anyone. A new Statement of Foreclosure was sent to a homeowner of XX/XX/XXXX. The homeowner is seeking a loss mitigation workout solution and options. The homeowner has ordered a XXXX XXXX XXXX that will show evidence that the following possible violations exist : 1. Broken chain of title. 2. No just standing 3. Gross fragmentation of the note to XXXX XXXX. 4. Failure to process the requested Loan Mitigation application. The homeowners will produce a XXXX audit in process in XXXX, XXXX. The homeowner is seeking a Loss Mitigation process workout solution. The Homeowner alleges the following investor, Master Trustee, and servicers ; most likely know of the broken title and no just standing : but started the foreclosure process without just standing. This CFPB complaint includes : 1. LACK OF STANDING TO FORECLOSE ; 2. FRAUD IN THE CONCEALMENT ; 3. FRAUD IN THE INDUCEMENT ; 4. INTENTIONAL INFLICTION OF EMOTIONAL DISTRESS ; 5. QUIET TITLE ; 6. SLANDER OF TITLE ; 7. DECLARATORY RELIEF ; 8. VIOLATIONS OF TILA ; 9. VIOLATIONS OF RESPA ; 10. RESCISSION. 11. Violation of the RICO ACT. 12. I tried to contact the loss mitigation, no answer lines busy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State:
Zip: 91304
Submitted Via: Web
Date Sent: 2020-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I bought a building lot in XX/XX/XXXX-XX/XX/XXXXand financed through XXXX XXXX. After XXXX, XXXX XXXX XXXXXXXX took over the loan as they took over XXXX XXXX. In XXXX, XXXX XXXX XXXXXXXX reached out to me and asked if I wanted to change my loan to an adjustable with a cap and a 30 year loan. I said yes as long as it didn't impair my credit. I was up to date on payments, actually made greater than minimum payments and early. XXXX XXXX XXXXXXXX processed the interest rate modification and everything was fine. In XXXX of XXXX, SPS, an incompetent and horrible group, took over servicing of the account. After trying to charge me homeowners for a vacant building lot and 10 plus phone calls and that being resolved, I got a copy of my credit report and it showed that SPS was now reporting that I had a loan modification, not a loan rate adjustment and which did NOT involve a compromise. I've called SPS 20 plus times. I called XXXX multiple times to correct this. They reached out to SPS who refuses to adjust their reporting even though there has been supporting documents from XXXX stating there wasn't compromise and they are solely reporting this on my credit incorrectly. This is a horrible company, SPS, and shouldn't have a license as incompetent as they are. XXXX XXXX XXXXXXXX has cost me incredible amounts of aggravation, stress and loss of valuable time by out sourcing my loan and this should be illegal or people like myself should be compensated for this type of issue. I am a financial advisor and protection of my license is foremost, something like this endangers my livelihood.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: TO WHOM IT MAY CONCERN, MY NAME IS XXXX XXXX. I AM A MORTGAGOR OF A LOAN THAT SELECT PORFOLIO SERVICING IS THE SERVICER FOR THE INVESTOR OF MY LOAN. THE LOAN IS CURRENTLY BEING SERVICED BY SELECT PORTFOLIO SERVICING ( SPS ) PROPERTY ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, GA XXXX. LOAN NO : XXXX. I HAVE BEEN ATTEMPTING TO DO A SHORT SALE WITH THE SERVICER SPS. SPS IS TELLING ME THE INVESTOR ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Mortgage Pass-Through Certificates, XXXX XXXX ) DOES NOT WANT ME TO DO A SHORT SALE. I SHOULD BE ELIGIBLE TO DO A SHORT SALE. I AM REQUESTING THAT THE INVESTOR CONSIDER DOING A SHORT SALE ON THIS LOAN/PROPERTY. THE PROPERTY IS NOT WORTH WHAT IS OWED ON THE LOAN. WE HAVE AN OFFER FOR $ XXXX WHICH IS WHAT THE PROPERTY IS WORTH ACCORDING TO COMPARABLE SALES AND THE CONDITION OF THE PROPERTY. ATTACHED IS A COPY OF THE CURRENT OFFER ON THE PROPERTY AND A HUD-1 SETTLEMENT STATEMENT SHOWING THE NET AMOUNT TO THE INVESTOR/SERVICER. PLEASE CONSIDER DOING A SHORT SALE.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2020-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This loan is a Predatory Loan ever since the Mortgage industry crashed/failed in XXXX, and XXXX XXXX XXXX never adhered to the Foreclosure Review Team. Now Select Portfolio Servicing , Inc has my loan now.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2020-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-01-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: First, I am again for the 11th time ( 1st complaint # XXXX XX/XX/XXXX, 2nd complaint # XXXX XX/XX/XXXX, 3rd complaint # XXXX XX/XX/XXXX, 4th complaint # XXXX XX/XX/XXXX, 5th complaint # XXXX XX/XX/XXXX, 6th complaint # XXXX XX/XX/XXXX, 7th complaint # XXXX XX/XX/XXXX, 8th complaint # XXXX XX/XX/XXXX, 9th complaint # XXXX XX/XX/XXXX, 10th complaint # XXXX XX/XX/XXXX ), writing CFPB because of the BULLYING tactics of Select Portfolio Servicing , inc . In the last writing to CFPB I wrote about the ERRONEOUS AND INTENTIONAL MULTIPLE POSTINGS OF NONPAYMENTS to my account. I have not missed a payment since the beginning of a forced into and account transfer of my account to Select Portfolio Servicing , inc . THE RESULT, THROUGH CFPB, OF THE LAST SET OF HARASSMENT WERE SELECT PORTFOLIO SERVICING, INC. CORRECTIONS MADE TO MY ACCOUNT. Again, I have not missed one payment since Select Portfolio Servicing, inc. corrected my account ( NOT COMPLETELY CORRECTED ), and I have continued and consistent proof. With that noted, Select Portfolio Servicing, from the date of said corrections, has added erroneous multiple months of no payments to my account, as I pay each month. Select Portfolio Servicing is again for the 11th time using the same bullying and harassing tactics, with a letter of default and placing blatant notes on the door of my property. They have ignored the corrections and are again threatening me with these same bullying tactics to FORCE me to refinance with them or sell my home! Second, my interest rate has not decreased since I began this loan .... I am called constantly and asked the question, " Why my interest rate is so high when the current interest rate is lower and/or why has this company not offered me the current or a reduced rate. ''
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A