Date Received: 2019-07-19
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I would like to file a complaint against Select Portfolio Servicing Inc. for violating the Fair Debt Collection Practices Act on XX/XX/2019 @ XXXXXXXX XXXX XX/XX/2019 My mortgage loan was transferred from XXXX to Select Portfolio Servicing Inc. XX/XX/2019 @ XXXX XXXX I received a phone call from SPS ( XXXX XXXX ) letting me know that they haven't received my XXXX payment yet. I told her I already mailed it in & she said I hope they get it in time because I have a 15 day grace period & after that I would be charged a late fee. I'm well aware of this information because I was with XXXX for 15 years. She then told me about SPS monthly withdraws & online payments. XX/XX/2019 Called SPS and spoke to XXXX XXXX about my XXXX payment and she told me there's a transition period for loan transfers and it could take 30 days for the payment to post and in the meantime I will not be charged any late fees. XX/XX/2019 SPS started calling and texting me relentless asking when I was going to make my XXXX payment. Again I told them I already mailed it in. Each time they called they tried to pressure me into making monthly withdraws from my account or to make an online payment. XX/XX/2019 SPS called and we got disconnected so I called back and while I was speaking to a representative I received a text about my payment being due. Again I told SPS that I already mailed in my payment. Her response was " I'm at the mercy of the post office '' if I mail in my payments. She therefore told me about the monthly withdraws or online payments. I told her that I do not want to do either one of those options because I was with XXXX for 15 years and they received all my payments. I told her I was tired of all these calls and texts about pressuring me to make a payment online when I already sent in my payment. She said she would take me off the calling list and text updates. Later that afternoon I called SPS to speak to someone in the Payment Remittance Department to see if they received my XXXX payment yet. I was transferred to supervisor XXXX XXXX and he told me that the " Cashiering Department '' doesn't take calls. I told him I just sent my XX/XX/2019 payment certified mail and I will prove that I'm sending my payments. After that all he could say was is there anything else I would help you with. XX/XX/2019 @ XXXXXXXX XXXX SPS ( XXXX XXXX ) called my home number ( I did not give SPS permission to use my home number for updates ) and asked me when I was going to pay my payment. I told him he wasn't suppose to be calling me. I told him that my payment was delivered to SPS on XXXX @ XXXX XXXX and cleared the bank on XXXX. XX/XX/2019 @ XXXX XXXX I called SPS to file a complaint about the employee who violated a federal law ( FDCPA ) and I was transferred to Supervisor Ms. XXXX told her what happened and all she could say was " I'm sorry ''. XX/XX/2019 Called SPS to find out when my mortgage loan will show up on my credit report. I was told XXXX or XXXX. The next day I checked my credit report and it was on there. After this ordeal with SPS I wanted to make sure they didn't put anything negative on there. I was then transferred to Supervisor XXXX XXXX and asked her why I was receiving so may calls and texts and her response was they were " courtesy calls ''. Courtesy calls do not pressure you into setting up monthly withdraws from your bank account or to make an online payment which SPS charges you {$15.00} per transaction. I'm not going to be pressured by there shady and untrustworthy tactics so I've decided to send my mortgage payments certified mail which costs me {$3.00} and now I know the day and time SPS receives my payments. If SPS violates anymore laws I will report them right away.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Requested mortgage assistance for my property with financials XX/XX/2019. The mortgage company is hard to work with and is not wanting to help me.. I have been trying to get the mortgage back on track for over a year now. Recently I moved in the property to care for my mother who is not in good health, I am responsible for her care. There is a foreclosure sale set for XX/XX/2019. I do not want to lose the house. The balance of the mortgage note has come due I need the mortgage assistance to get back on track with the payments and make it affordable. Please Help See Attached
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: RE : XX/XX/2019 CFPB complaint # XXXX-XXXX and subsequent XX/XX/2019 application for SPS RMA program. I received a letter from SPS dated XX/XX/19 ( today XX/XX/19 ) explaining that XXXX XXXX actually owns my mortgage account not SPS? SPS also is sending account verification documents which is not the subject of my CFPB complaint. The essence of this CFPB complaint is germane to my SPS mortgage payment was that : ID Theft activity left me unable to make my monthly payments putting me 2 - 3 months behind with all of my current creditors. And the SPS relationship managers e.g., XXXX XXXX were calling demanding payments after I explained my circumstances e.g., ID Theft ( no money in the bank ). And to explain that I am in the process of working with those creditors including SPS ( Legacy Mortgage ) for payment arrangements ( RMA ) while I wait for whether or not XXXX investigators finds the person ( s ) that seems to have unfettered access to my XXXX accounts using PII?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX the servicer changed on my XXXX mortgage loan from XXXX XXXX XXXX to Select Portfolio Servicing ( SPS ). In XX/XX/XXXX my credit score dropped 44 points. On XX/XX/XXXX I found out it was because SPS was reporting my mortgage loan as a NEW MODIFIED loan instead of that they are the new servicers of my existing loan from XX/XX/XXXX. The information SPS is reporting is completely false. When I contacted SPS via telephone, they told me that they are reporting it correctly and will not change it. When I reported it to XXXXXXXX XXXX stated that SPS said they are reporting correctly and XXXX will not change it. I did not obtain a NEW loan from SPS nor did I MODIFY my loan with SPS. I was forced to have SPS service my loans when they obtained these rights by becoming the new servicer for my loan. Reporting that I obtained a NEW MODIFED loan from SPS to the credit bureaus is completely false and against the law. My credit score is being detrimentally impacted since SPS is reporting this as a NEW loan instead of just a new servicer to my existing loan and they refuse to correct this information. The credit reporting agencies refuse to assist me since SPS is reporting to them that their information is correct. HELP!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95603
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was on the HAMP with XXXX and after 5 years of 2 % interest rates my mortgage was to increase after 5 years 1 % a year until it max at 4.25 then it would remain fixed. Then my mortgage was transferred to XXXX XXXX XXXX and my loan % rate increased..they said they would follow up ... and never received a call back nor could I get in touch with anyone.. Now my mortgage has been transferred again to Select Portfolio Servicing and now my fixed rate had gone up again to 4.875 %. Im XXXX years old and I feel that Im getting no where with these company and Im on XXXX and have to chose what gets paid and what I cant eat this month to pay this bill.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was previously with XXXX XXXX, but XXXX XXXX sold the note to Select Portfolio Servicing. I am currently paying amounts significantly in excess of the minimum payments which I request to be applied to the principal balance ( $ 10K- $ 13K/month ). However, they are not applying the extra amounts to the principal. They are leaving most or all of the extra amounts as " unapplied ''. I am therefore being charged interest on the amounts that are intended to be applied to the principal. They also skip sending me statements promptly on monthly basis. The first payment was made to SPS in XX/XX/2019, but I have received only 3 statements XXXX through XXXX. I am requesting that I receive monthly statements promptly and that the extra payment amounts be applied promptly to my principal balance. The statement should reflect these applied payments, along with a new principal balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92532
Submitted Via: Web
Date Sent: 2019-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-16
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX sold my mortgage to Select Portfolio Servicing. Select Portfolio Servicing is not allowing me to refinance my mortgage with XXXX XXXX XXXX. I gave XXXX XXXX XXXX access to my Select Portfolio Servicing account in XXXX and Select Portfolio Servicing has been claiming they can not find my Finalizing Loan File for over 3 months. Select Portfolio Servicing is also planning on charging me a reconveyance fee of an unknown amount even though I got my mortgage through XXXX XXXX. I want to refinance my mortgage with XXXX XXXX XXXX because of the superior rate they've offered me. Select Portfolio Servicing has me at 3.875 % on a Conventional 30-year and XXXX XXXX offered me {$3.00} meaning I've missed out on thousands of dollars of savings while Select Portfolio Servicing doesn't provide the Finalizing Loan File.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11238
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX with XXXX and I can take over the loan because I am on title on the house only. SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. We will be Homeless and without shelter. My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. This is a very Urgent and Extreme issues!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As per instruction my XXXX XXXX XXXX ( XXXX ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2019-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SPS is in violation of RESPA and CA Home Owner Bill of Rights. CAHBOR requires lenders and servicers operating in CA to allow homeowners to avoid foreclosure via loss mitigation options including SHORT SALE. SPS is acting as a foreclosure mill and trying to force only foreclosure options which is ILLEGAL. CA HBOR requires lenders and services to help homeowners AVOID foreclosure. SPS is in violation of RESPA which REQUIRES lenders and servicers to work a foreclosure alternative program request and provide answer within 30 days. By SPS refusing to open a short sale request they are also in violation of RESPA.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A