Date Received: 2019-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been trying to get a short sale approved since XX/XX/2019. We gave complete all paperwork and follow the instructions of the servicer SPS. They advised us that the XXXX came in at XXXX and we need to net 80 % of the value. We did this and the net was XXXX. We got this with a XXXX purchase price. The servicers came back and said the price was too low. This would have been our third offer, so we have asked them to give us a counteroffer and they constantly say they can not provide this to us. We have been going round and round. If you can please assist us with getting a counteroffer so we can please get this short sale approved and closed. The investor on the property is XXXX XXXX XXXX XXXX, as indenture trustee. Attention : XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: on XX/XX/XXXX I obtained line of credit from XXXX XXXX XXXX , XXXX, with amount of {$250000.00} with account number # XXXX on XXXX XXXX XXXX XXXX breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia XXXX XXXX XXXX XXXX, XXXX close that account on XX/XX/XXXX. first third party debt collector SELECTIVE PORTFOLIO SERVICING INC. with same line of credit but with different account number # XXXX ( amount of {$160000.00} XXXX XXXX XXXX, XXXX closed it on XX/XX/XXXX ) and their account number XXXX I never had any contract with them they never lend me any money and I received a letter dated XX/XX/XXXX threaten me will forclosure scheduled for XX/XX/XXXX. I need your help to prevent more damages to I, my family, and my property.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 XXXX informed me that my home owner 's insurance would not be renewed as of XX/XX/2019. This because they did not want to pay for roof repairs that they deemed a necessity. That's the best they could do for me after fifteen years of my paying them for coverage. After all that, my mortgage servicer ( SPS ) sent me a letter stating that they 'may ' purchase insurance to cover a lapsed period ( XX/XX/19 to XX/XX/19 ), and that they 'may ' charge me for their purchase. Before my XXXX policy expired, I talked to one of SPS 's representatives to let them know that I was searching for replacement insurance. The representative told me that I had time to get the insurance, even after my current insurance expired, I would just have to be timely in letting them know once I had the coverage. I sent proof of my new home owner 's insurance as soon as I purchased it on XX/XX/19. More than a month later I get a letter from SPS saying that they had purchase insurance to cover the lapsed period, after the fact, and that I would have to pay them for their purchase. So, they have added the charge to my mortgage escrow account. That should be illegal. They say that I signed a statement agreeing to keep insurance covering the property. However, they have not provided proof of my signing any such statement, nor have they provided proof that I agreed to pay for any insurance that they 'may ' purchase if I did not keep insurance current. Where do these large companies get the idea that they can do something so unreasonable as purchase insurance after the fact, covering a period of time that has long past? I should not be expected to pay for their delayed actions. No doubt they are making plenty of extra money with this practice off the backs of so many of their customers. I just wonder what other tricks do they have up their sleeves to collect money from unsuspecting home owners. I want this charge removed from my account immediately.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I dont even no where to start. My mother in-law that my husband and i own our home with she is being manipulated by SELECT PORTFOLIO SERVICING INC. there is a foreclosure date set for XX/XX/XXXX 5 days from today. 3 of those are weekend or a holiday. She called on the XX/XX/XXXX. and was told the request went in to postpone while her complaint was being reviewed. she has been calling every day since that day and is told to call back. She received 2 letters stating that her review would not be completed before the sale date. one dated XX/XX/XXXX and the dated XX/XX/XXXX. i came home to her crying last night. we have know where to go .She is XXXX years old this stress is way to much We spoke SPS again at XXXX XXXX this morning we were told they same thing i was on the line with her. they said it was sent in for postpone but she really was lying to us. she said call back on Saturday Monday is a holiday. I took the day off work to try and help with all of this. XX/XX/XXXX we spoke to QUALITY LOAN CORPORATION the acting foreclosure company on our home she sated no postponement had been requested and the house set to be sold on the XX/XX/XXXX. We have a letter dated XX/XX/XXXX that states no foreclosure will be held during this time. The appeal has been sent SPS along with this complaint. to them .This has to stop date manipulation so nobody has time to do anything or no other options have been given. XX/XX/XXXX we were told that the preforeclosure check was approved when my mother in-law asked what that meant the lady got super upset. Which leads us to believe they have no intentions of stopping the sale. They are moving forward during our appeal time. so they can just sale they have not given us any non retention offers except to get out. We are appealing a denial we received for a loan modfication which states we did not complete the paper in a timely fashion. Which is false.Im asking for help we can not possibly move out and find a place this quickly. The date manipulation is crazy that is going on with this company. We called agin this morning and they are very stern and are saying that we need to call back again later today.We feel they are rushing to complete our complaint so they do not have to postphone the sale i even heard the department say we are going try and this done before the XX/XX/XXXX so they can go to sale but the letter say something different which iwill upload. My husban and i are on title to this property have always been since XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92673
Submitted Via: Web
Date Sent: 2019-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX Send my LOAN TO SPS. XXXX WILL NOT HELP FIX THE PROBLEM! SPS IS NOT AWARE I AM NOT SURE HOW TO FIX THIS PROBLEM I SEND SPS ALL THE PAPERWORK THEY CAN NOT FIND IT. This is my I can't complain regarding XXXX Mortgage servicer. my first complain number XXXX XXXX - XXXX Why is closed by Consumer Financial Protection Bureau with a letter that was sent out by XXXX denial off the wrongdoing to my monthly payment. as of XX/XX/XXXX XXXX is still in violation a fair debt collecting Act, Fair Credit Reporting Act, wrongful foreclosure, and transferring my loan to Select Portfolio Services with incorrect information stop my taxes and loan history. I received a letter from XXXX which I am including as a PDF with this complaint XXXX did not fixed my property taxes according to XXXX County. I am including my new tax bill which is based on property value of {$790000.00} please look at my build that clearly states my property value is {$790000.00} Letter Dated XX/XX/XXXX send by XXXX respond to my complain with the Consumer Protection Bureau clearly states that my property value as the date they send the letter is {$1000.00}, XXXX NOT {$790000.00} I have paid my mortgage on time since XX/XX/XXXX intend never missed a payment because of XXXX negligence an unfair debt collection my credit score dropped 300 points and XXXX servicer refused to take my payments of {$4000.00} as of XX/XX/XXXX. I am facing foreclosure because of XXXX negligence. the new servicer has received incorrect information from XXXX transport in XX/XX/XXXX. XXXX 's liable for damages to me financially and I'm very much mentally stressed because of the situation it is hard to function on daily basis and it is giving me sleepless nights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My monthly statements confirm that my mortgage servicing company has made the home that I purchased in XXXX un-affordable by increasing my interest rate from 2.375 % to 5.375 %, and my monthly payment from {$900.00} to {$2900.00} during one 12- month period as follows ; XX/XX/XXXX - 2.375 % interest, with {$900.00} monthly payments -- - XX/XX/XXXX 3.375 % interest, with {$2900.00} monthly payments -- - XXXX 4.375 % interest with {$2700.00} monthly payments -- - XX/XX/XXXX - 5.375 % interests with monthly payments of {$2900.00}. Twelve months ago, I followed my servicer instructions, with assurance that they would not foreclose, if I submitted an application along with financial information, and continued to make my {$900.00} payments, because I was entitled to get a modification of my loan by either a reduction of principle, reduction of interest, or an extension of the pay-off period to lower my monthly payment I.e. a new 20 year mortgage. To date however, despite my compliance with their instructions, my servicer has stalled my request for modification of my loan, by continuing to ask for more and more and more new information and resubmission of information already submitted, during which time they turned my loan over to there attorney to start foreclosure, because I continued to pay the {$900.00} amount ( as instructed ), instead of the increased interest rates and monthly payments. Upon notice of foreclosure, I was able to come up with and pay the difference between my previous {$900.00} and now {$2700.00} monthly payments to bring my mortgage loan current, with no assurance that they would provide the modification assistance that I need to make my loan affordable ... so that age XXXX I can live near my children that can provide the help that I now need going forward.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX, current owned by XXXX XXXX under PSAs name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX : This is a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) is the mortgage note holder of our mortgage loan at the above address. I dispute the ownership of the note and amount owed. NOTE : A WRITTEN RESPONSE IS REQUESTED. Since XX/XX/XXXX, the servicer have being falsely claiming that XXXX XXXX XXXX is the holder of the Note of Mortgage. In other hand XXXX XXXX XXXX have denied to the Consumer Protection Financial Bureau ( CPFB ) be the owner of Mortgage or Trustee of complainant Mortgage. On XX/XX/XXXX XXXX XXXX XXXX also denied being the owner of Mortgage account and stated that no such account in their records, but have failed to provide Borrower with a written response. Evidence show that XXXX XXXX is not the Trustee of the Mortgage since XX/XX/XXXX. NEW EVIDENCE New evidence show that XXXX is not Trust of the Mortgage according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX-XXXX was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX, which consolidated different type commercial and residential pooling Servicing Agreements. XXXX has failed to correct those errors or release Borrower Mortgage. Instead the servicer have being claiming a false debt, and assessing fraudulent fees and attorney fees for more than {$200000.00} over mortgage debt, in violation of the Mortgage stipulations. ATTORNEY FEES XX/XX/XXXX-XX/XX/XXXX {$200000.00} XX/XX/XXXX-XX/XX/XXXX {$9100.00} ____________________ Total {$200000.00} On XX/XX/XXXX XXXX created, executed fraudulent documents like Limited Power of Attorney to giving servicer authority to foreclosure Borrower property. This document was recorder after the sales of PSA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX-XXXX. It constitute a flagrant FRAUD. The fraudulent Limited Power of Attorney, was created or purported one ( 1 ) year and six ( 6 ) months after the sale of XXXX XXXX XXXX-XXXX ( FRAUD ). THE FOLLOWING INFORMATIONS IS REQUESTED : 1. Complete payment history, including the dates and amounts of all the payments I have made on the loan till date ; 2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 3. Breakdown of the amount of claimed as arrears or delinquencies, including an itemization of all fees charged ; 4. The payment dates, purpose of payment and recipient of any and all foreclosure fees and costs charged to my account for a total of {$200000.00}. Legal fees PERIOD XX/XX/XXXX-XX/XX/XXXX a ) XXXX & XXXX ... {$55.00}, 999.05 b ) UNDISCLOSED LEGAL FEES. {$65000.00} c ) XXXX XXXX XXXX ... {$950000.00} d ) XXXX XXXX XXXX. {$9700.00} e ) XXXX XXXX XXXX XXXX XXXX... {$940.00} f ) XXXX & XXXX ... {$750.00} g ) XXXX XXXX XXXX XXXX {$340.00} TOTAL {$140.00}XXXX XXXX XXXX. The payment dates, purpose of payment and recipient of all escrow items charged to my account since XX/XX/XXXX when SPS took over the servicing ; 6. Breakdown of the current escrow charge showing how it is calculated and the reasons for any increase within the last 24 months ; and 7. Copy of any annual escrow statements and notices of a shortage, deficiency or surplus, sent to me within the last three ( 3 ) years. 8. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect. That and that the current Trust is XXXX XXXX no XXXX XXXX XXXX. 9. SPS should removed all fraudulent and excessive attorney fees that are in violation of the mortgage agreement. 10. Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. Sincerely, XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX cc : XXXX XXXX Bankruptcy Court case # XXXX XXXX County Court case # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2019-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX I receive a Home Affordable Modification from my servicing Company Select Portfolio Servicing XXXX XXXX XXXX XXXX XXXX XXXX UT.XXXX ( XXXX ) XXXX My Modification was in XXXX of XXXX in the agreement Recital 3 ( c ) of the modification agreement the total Deferment amount of XXXX would be waive in thirds on each anniversary of the modification as of XXXX of XXXX Select Portfolio Servicing has not honor their agreement or obligation to the modification agreement first payment agreement : provided that i maintain a current status. the wavier breakdown is as follow 1 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 2 ) XXXX XXXX in the amount XXXX ( not completed by S.P.S ) 3 ) XX/XX/XXXX in the amount XXXX ( not completed by S.P.S ) How ever my Servicing Company has fail to to address my concern i have sent a request to the customer correspondence department this issue has prevented me from refinancing my home and has cause huge delays and cost
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I tried to do a loan modification with SPS. SPS is stating to me that because I had other reviews in the past the investor says I am not eligible. I next submitted a short sale and SPS is stating because of how far behind I am on my mortgage that a short sale is not an option per the investor. The investor is XXXX XXXX. I spoke to XXXX XXXX and they stated I am eligible for a short sale because I never did one before.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 07621
Submitted Via: Web
Date Sent: 2019-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX Certify Mail : XXXX XXXX XXXX XXXX XXXX SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX, Fl XXXX Mortgage MIN # XXXX XXXX XXXX Account : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, current owned by XXXX XXXX under XXXX name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SPS acc # XXXX Dear SPS Loan Servicer : This is a Qualified Written Request pursuant to the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). SELECT PORTFOLIO SERVICING INC ( SPS ) is the servicer of our mortgage loan at the above address. I dispute the amount owed according to your recent Financial Statement called SPS transaction History. Exhibit 1 Since 2013, SPS have being falsely claiming that XX/XX/XXXX is the holder of the Note of Mortgage. In other hand XXXX XXXX XXXX have denied to the Consumer Protection Financial Bureau ( CPFB ) be the owner of Mortgage or Trustee of complainant Mortgage. On XX/XX/XXXX XXXX XXXX XXXX also denied being the owner of Mortgage account and stated that no such account in their records as SPS have being falsely claiming. See Exhibit 2 Evidence show that XX/XX/XXXXis not the Trustee of the Mortgage since XX/XX/XXXX. Also, SELECT PORTFOLIO SERVICING INC ( SPS ) is not the servicer of the Mortgage, either. NEW EVIDENCE New evidence show that SPS, according US Securities and Exchange Commission ( SEC ) records shows that pooling servicing Agreement ( PSA XXXXXX/XX/XXXX Asset-Backed Pass-ThroughCertificates ACE XXXX was purchased by XXXX XXXX on XX/XX/XXXX and all of its the residential mortgage ( RMBS ) place into the new PSA called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which consolidated different type commercial and residential pooling Servicing Agreements. SELECT PORTFOLIO SERVICING has failed to correct those errors or release Complainant Mortgage. Instead SPS have being claiming a false debt, and assessing fraudulent fees and attorney fees for more than XX/XX/XXXX over mortgage debt, in violation of the Mortgage stipulations. ATTORNEY FEES XX/XX/XXXX {$XX/XX/XXXX {$XX/XX/XXXX ____________________ Total {$XXXX} On XX/XX/XXXX SPS created, executed fraudulent documents like Limited Power of Attorney to claim authority to foreclosure complainant property. This document was recorder after the sales of XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Asset-Backed Pass-ThroughCertificates ACE XXXX. It constitute a flagrant FRAUD. On XX/XX/XXXX, SPS purporting to transfer the subject mortgage lien to itself. Plaintiff never has been owner of the Note claimed in the core of action falsely called VERIFIED FORECLOSURE COMPLAINT. In order act on behalf XX/XX/XXXX, SPS purported a Limited Power of Attorney, one ( 1 ) year and six ( 6 ) months after the sale of XXXX XX/XX/XXXX XXXX ( FRAUD ). Exhibit 3 THE FOLLOWING INFORMATIONS IS REQUESTED : 1. Complete payment history, including the dates and amounts of all the payments I have made on the loan till date ; 2. Copy of updated/current Power of Attorney signed by XXXX XXXX XXXX XXXX giving SPS to act of its behalf to foreclosure or modify the above Mortgage. 3. Breakdown of the amount of claimed as arrears or delinquencies, including an itemization of all fees charged ; 4. The payment dates, purpose of payment and recipient of any and all foreclosure fees and costs charged to my account for a total of {$XX/XX/XXXX}. Legal fees PERIOD XXXX a ) XXXX & XXXX ... {$XX/XX/XXXX}, XXXX b ) UNDISCLOSED LEGAL FEES. {$XX/XX/XXXX c ) XXXX XXXX XXXX ... {$XX/XX/XXXX} d ) XXXX XXXX XXXX. {$XX/XX/XXXX} e ) XXXX XXXX XXXX XXXX XXXX. {$XX/XX/XXXX} f ) XXXX & XXXX XXXX {$XX/XX/XXXX} g ) XX/XX/XXXX XXXX XXXX XXXX {$XX/XX/XXXX} TOTAL {$XX/XX/XXXX}, XXXX 5. The payment dates, purpose of payment and recipient of all escrow items charged to my account since 2013 when SPS took over the servicing ; 6. Breakdown of the current escrow charge showing how it is calculated and the reasons for any increase within the last 24 months ; and 7. Copy of any annual escrow statements and notices of a shortage, deficiency or surplus, sent to me within the last three ( 3 ) years. 8. A sworn statement that US Securities and Exchange Commission ( SEC ) information is wrong, incorrect. That and that the current Trust is XXXX XX/XX/XXXX, no XXXXXX/XX/XXXXXXXX. 9. SPS should removed all fraudulent and excessive attorney fees that are in violation of the mortgage agreement. 10. Thank you for taking the time to acknowledge and answer this request as required by the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). The requested information is due within 10 business days. Sincerely, XXXX XXXX Property :XX/XX/XXXX, Fl XXXX cc : XXXX District Bankruptcy Court case # XXXX XXXX County Court case XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2019-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A