Date Received: 2019-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Written request. Payoff statement expiring XX/XX/2019 of {$250000.00} may be paid from {$620000.00} paid to principal. The extortionists May then refund the remaining {$360000.00} to me at the property address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2019-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I divorced in XX/XX/XXXX, in XX/XX/XXXX my home loan was taken over by SPS, Inc. I called SPS, Inc. to change my name, as it was legally changed in our divorce, I was told that the only way to change my name was to send a copy of my Drivers License and Social Security Card. I didn't like this idea and was told that this was the only way it could be done. I did this and sent it with another document that they were asking for. When I called back to check on this I was told that they received the document but did not receive my copies of my id 's that were in the same envelope. I was told that they only way they could change my name is this way. I did not want to try this again, in this age of stolen identities. I called back again and asked if there was any other way and this time I was told that I could fax a copy. I did this and again they lost it. I called once again and this time was told that I could email a picture of both ID 's, but this time it was over a year and a half since my divorce. Unacceptable! Per our Divorce Decree my ex-husband is supposed to pay all fees on our home loan because he messed it all up before our divorce. He made payments when he chose but SPS would let them sit in an Unapplied Balance Account and wouldn't put them on fees until they wanted to. On XX/XX/XXXX, I made a Principal payment to my account and was given a confirmation # XXXX. They never made this payment and added it to the Unapplied Balance Account also. I called numerous times and was told it was paid on the fees, then the next time they couldn't find it and finally fees didn't have to be paid up front they could be paid at closing ( being told different things each time I called-and speaking with many customer service reps and customer service supervisors ). Payments made by my ex-husband : XX/XX/XXXX {$140.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX total {$1400.00} All the while my house payments were being made on time also. Now when I made the {$500.00} payment I was told that it was going on the principal but this never happened. I have called and talked to numerous CSR 's and CSS 's. One Customer Service Supervisor ( XXXX XXXX ) went through all the payments made by my ex and told me that if he paid {$160.00} the following day that he could go through and make sure all these payments were added appropriately and that my {$500.00} payment would be added to the principal and post dated back to XX/XX/XXXX. My ex called in the payment the next day XX/XX/XXXX. This was never done, I called back once again and talked to another Customer Service Supervisor ( XXXX XXXX ) who could not understand what happened and said she would be following it to make sure it happened, this was in XX/XX/XXXX. Again it did not. Now they realize the money is sitting there and they see they have enough for XXXX 's payment and they apply it to that without my knowledge, even with an automatic payment setup to come out on XX/XX/XXXX. They tell me they had to make XXXX 's payment because it was due but they made them in XXXX and it was actually not due until XXXX. I have now written a letter to The Ombudsman and gotten a reply but it has still not fixed any of my problems. They told me that the {$500.00}, in addition to other funds that were being held in suspense were used to satisfy {$890.00} of the loan level advances that were due and that I still have a balance of {$170.00}. They also said that the payment scheduled for automatic withdraw on XX/XX/XXXX. XXXX did not automatically withdraw because the amount due for XX/XX/XXXX was satisfied early on XXXX XXXX ( but it did not have to be paid until XXXX, shouldn't it then go to principal instead of making a payment a month early? ) They also go on to say that it was {$5.00} less than the amount required to satisfy a payment ( but it wasn't supposed to be a payment ) and SPS advanced the {$5.00}, now I don't know if they are going to charge a fee on this {$5.00}. If they would have just applied all the money where they were supposed to the whole time we would not have this problem going on and on. I am afraid to make any other principal payments again but I am told by many Loan Officers that this is the best thing I could do. {$500.00} is a lot of money for a single mom to come up with and I had finally saved enough to put it down only for them to play around with it for 7 months and then make a house payment they felt that they needed to pay a month early. Also I am sure that the fees on my account should be paid in full with the amount that my ex-husband has paid but SPS says I still owe {$170.00} and the way they deposit into the unapplied balance account and not to the places they are asked to I don't know how to find out the truth. I am sorry if this doesn't make sense to you but it hasn't made much sense to me either and I'm trying to make it as clear as possible. I just worry that if they are doing this to me, are they doing it to others also?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2019-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX I paid {$200000.00} to my duplex for a {$60000.00} mortgage. They foreclosed on my property for a {$53000.00} balance XXXX XXXXselect portfolio servicing. I have paid {>= $1,000,000} to my house for a {$260000.00} first mortgage and an {$82000.00} second. They say I still owe {$250000.00}! XXXX I paid {$160000.00} for a {$33000.00} mortgage I assumed {>= $1,000,000} for XXXX I was given. {>= $1,000,000} interest and {$0.00} to principal Less than {$700000.00} total principal and interest due leaves {$860000.00} for taxes and insurance and credit card balances of about {$250000.00} total. There is at least {$650000.00} missing. And I owe {$0.00}. Of that {$650000.00} XXXX owes me {$50000.00} XXXX XXXX owes me {$160000.00} the extortionists at Select portfolio servicing owe me {$230000.00} The current statement balance is {$210000.00} I already overpaid to the other two {$37000.00} i never owed and {$10000.00} paid to shortages.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX Chief Executive Officer and President, Select Portfolio Servicing , Inc . XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX I must call your offices every month. I routinely pay additional principal with my mortgage payment. I have done this for 40 years, with a variety of mortgage service companies. The additional principal payment has always been credited to principal. But not with Select Portfolio Servicing. Instead of crediting my extra principal payment to principal, you credit toward future mortgage payments. It is obvious why you have this business practice. You want to cheat customers by not reducing the principal and thus maintain larger principal balances so that they will accrue more interest. The first time this happened, I had used my banks automatic payment mechanism. When I discovered what you had done, I called your offices and got it corrected. I was assured that you would note our account so that additions to scheduled payments would be credited to principal. Another month went by and once again, my additional principal payment was credited to future payments, rather than principal. This time when I called, I was told that it was because I used my banks autopayment feature instead of manually writing a check and filling out your remittance advice. So, this month I wrote a manual check, filled out the remittance advice, and expected the payment would be properly credited. Once again, SPS attempted to cheat me. Some of the extra payment was credited to principal, some was credited to future mortgage payments, and I can not determine where the remainder was applied. But I was once again assured that it is being corrected. And once again, I was assured that your people had notated my account so that amounts in excess of the scheduled monthly payment will be credited to principal. I am doubtful that the problem has been resolved, because I have now received so many empty promises. I am optimistic that the regulatory agencies will examine this fraudulent practice. This kind of behavior must be stopped, as I am certain that most of your customers do not realize that they are being cheated. Dates When Principal Payments Not Applied Correctly XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: XX/XX/XXXX This is notice that Select Portfolio Servicing Inc, falsely and illegally stated that In your inquiries, you stated that the account has been paid in full and you included a document titled Tender of Payment Offering as proof of that payment. However, this document is not legal tender and is insufficient. It appears your intent for sending this document was to secure a release of your lien. To that extent, SPS considers the document to have no legal validity, and believes presentation of this document constitutes an improper attempt to satisfy the obligation under the loan documents. As we have rejected this document for payment purposes, a satisfaction of the lien will not be recorded. SPS requires funds in legal U.S. tender ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. They stated that this is not a legal currency when in fact it is US Currency and lawful money or legal tender. This is to inform Select Portfolio Servicing Inc that this is US Legal Tender as stated " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Thus the agency must fine Select Portfolio Servcing Inc and XXXX XXXX XXXX for this false statement which is perjury! Select Portfolio Servicing Inc, has presented on behalf of XXXX XXXX XXXX XXXX XXXX a fraudulent document. The Document alleges that we the home owners signed a loan modification XX/XX/XXXX to a home loan as of XX/XX/XXXX. The documents are newly created and have upset the homeowners to an extent of new lawsuits taking place and being filed. The document presented as a loan modification has never been seen before this day and time XX/XX/XXXX XXXX. In fact if the agencies receiving this document look and see the signatures don't match the ones forged on the home loan alleged to be done and signed on XX/XX/XXXX we will attached a signature analysis to prove that point. As well when the home owners requested that the Banks involved including MERS whom does not legally exist as a mortgage company was asked to present these documents over ten years ago. The statute of limitations for debt collection in the state of California is Four years. The first attempt done by XXXX XXXX XXXX XXXX was on XX/XX/XXXX by a XXXX XXXX a customer assistance specialist, whom stated in a letter that we were in default and that they could offer a loan modification on that date so where did the XXXX XXXX document come from? Please advise! This letter from XXXX XXXX a customer assistance specialist days after a request for loan documents verification and variation was requested by the home owners on XX/XX/XXXX stating by the manager XXXX XXXX. Validation - Does not qualify by way of a letter in the mail dated XX/XX/XXXX when a foreclosure sale date is set for XX/XX/XXXX. The laws or home owners bill of rights state ; Restriction on dual track foreclosure : Mortgage servicer are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. But the loan modification presented was forged and fraud. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. This never happened! Also the home owners learned of the sale from their neighbors and the website realty.com Not from a letter alleged by S.P.S. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification. Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate. Also the notice of foreclosure and sale must happened 120 days before and there are no signatures of confirmation for such information thereto the home owners at that location. Nor on record with the county of XXXX XXXX Registrar of Deeds. Enforceability : Borrowers will have authority to seek redress of material violations of the new foreclosure process protections. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. ( AB 278, SB 900 ) Tenant rights : Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease entered into before transfer of title at the foreclosure sale, the owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply. ( AB 2610 ) Tools to prosecute mortgage fraud : The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney Generals office to investigate and prosecute complex mortgage fraud crimes. In addition, the Attorney Generals office can use a statewide grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple counties. Tools to curb blight : Local governments and receivers have additional tools to fight blight caused by multiple vacant homes in their neighborhoods, from more time to allow homeowners to remedy code violations to a means to compel the owners of foreclosed property to pay for upkeep. ( AB 2314 ) The California Homeowner Bill of Rights marked the third step in Attorney General XXXX response to the states foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in XX/XX/XXXX to investigate and prosecute misconduct at all stages of the mortgage process. In XX/XX/XXXX, Attorney General XXXX secured a commitment from the nations five largest banks for up to {$18.00} billion for California borrowers. Also the XXXX XXXX County Registrar of Deeds the seller and or alleged buyer must settle the Mechanics lien in the amount of {$2.00}, Its important to know that there is a statute of limitations for filing a lien in California. Californias mechanics lien foreclosure deadline ( the date when a lawsuit must be filed to enforce the lien ) is one of the quickest in the country. Liens must be foreclosed within 90 days from the date the lien was filed.Therefore, its a good idea to immediately take steps toward collecting on the lien. If you remain unpaid, it may be time to make arrangements to foreclose the lien. California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due. Handwriting expert shows the signatures does not match the home owners, No credit history with XXXX XXXX XXXX XXXX M.E.R.S. Select Portfolio Servicing Inc., No such loans are listed on Homeowners credit history past or present. We the home owners do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I accept the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. You are to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the alleged forged contract that has been altered multiple times, rather this shall serve as my notice of change in terms of real contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. The homeowners submitted a tender of payment as directed by Select Portfolio Servicing Inc. employees whom spoke with the home owner on or about XX/XX/XXXX, she stated that the payments hadn't been received due to being mailed to the wrong address, so she suggested the address of Select Portfolio Servicing Inc. Attention. Remittance Over Night Ad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. They said that the payment could be in a money order coupon or check. The payment was received and XXXX XXXX NA XXXX XXXX or XXXX XXXX XXXX are a FHA lender and are a National Associated Bank, whom can received the Tender Of Payment. The Federal Emergency Relief Act of 1933 states that The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I also feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. What she stated was false, the payments have been received and tended thereto Select Portfolio Servicing inc. on behalf of XXXX XXXX XXXX for the alleged and forged Loan Modification with three times the amount listed herein. Remember the home owners have no credit history with either parties alleging a debt, yet have tendered payment and was decline therefore ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I HAVE APPLIED FOR HARDSHIP ASSISTANCE DUE TO FINANCIAL HARDSHIP, I NOW HAVING TO TAKE CARE OF MY ILL DAUGHTER AND MY CURRENT FIGHT WITH XXXX AT AGE XXXX. I WS DENIED FOR HELP PER MY SERVICER " THE OWNER OF MY MORTGAGE HAS THE RIGHT OF APPROVAL AND HAS DENIED BASED ON A BUSINESS DECISION ''. HOWEVER!! THEY THOUGHT THE BEST DECISION WAS TO APPROVE ME FOR A REPAYMENT PLAN! LET ME EXPLAIN TO YOU MY INCOME VERSUS THEIR BUSINESS DECISION SO YOU CAN UNDERSTAND VALIDITY OF SITUATION. MY FIXED INCOME FROM XXXX IS A TOTAL {$4200.00} GROSS AND {$3300.00} NET, THE REPAYMENT PLAN SPS AND MY INVESTOR STATED I WAS APPROVED FOR AS THE BEST OPTION IS {$4600.00}!! THAT IS MORE THAN COMBINE GROSS THAT WE MAKE. AS YOU CAN SEE THEY ARE NOT INTERESTED IN HARDSHIP ASSISTANCE BUT TO PUT SOMEONE IN GREATER HARDSHIP TO INSURE I LOSE MY HOME. WELL, THAT IS NOT GOING TO HAPPEN, I WILL SUE AS WELL AS I AM WRITING/CALLING MY CONGRESSMAN AS WE SPEAK AS WELL AS MY ATTORNEY GENERAL BECAUSE THIS IS EXACT DEFINITION OF PREDATORY LENDING AND AGE DISCRIMINATION. I HAVE PURCHASED MY HOME IN 2005 AND HAVE NEVER ONCE RECEIVED ASSISTANCE AND IF THEY WOULD RESET MY LOAN TO 30 YEARS WITH TODAYS CURRENT RATE I WOULD BE ABLE TO MAKE MY PAYMENT AS IT WOULD BE LOWER. HOWEVER, THEY WILL NOT BECAUSE THEY FIGURE WHY DO THAT WHEN I WILL BE XXXX XXXX XXXX, SO LETS JUST TAKE THEIR HOUSE NOW. I WILL NOT BE VICTIMIZE BY ANYONE LET ALONE BY MY INVESTOR AND SERVICING COMPANY. I HAVE ATTACHED THE OUTRAGEOUS REPAYMENT PLAN AND MY FINANCIAL FIGURES TO SHOW THAT THEY ARE ONLY INTERSTED IN TAKING MY HOME. WE WILL SEE WHAT SPS AND MY INVESTOR HAS TO SAY TO MY CONGRESSMAN XXXX XXXX AND ATTORNEY GENERAL XXXX XXXX. HOW DARE YOU TRY TO TAKE ADVANTAGE OF SENIOR CITIZENS, SHAME ON YOU!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 47303
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have filed complaint after complaint with you, the Consumer Financial Protection Bureau dealing with Select Portfolio Servicing ( SPS ), and for some reason, you think it is sufficient if they simply respond to the complaint. It doesn't matter if that response is a lie, or even illegal. This company and their parent company has been sued by, and have had complaint after complaint filed against them with the United States Government and the Department of Justice. XXXX XXXX has settled with the DOJ several times including this time XXXX XXXX Agrees to Pay {$5.00} XXXX in Connection with its Sale of XXXX XXXX XXXX. But yet, they continue with their same practices to foreclose on the homeowner. I received a modification in XX/XX/XXXX-XX/XX/XXXX when they settled due to the guidelines placed by the Department of Justice. But shortly after, they raised my mortgage by {$200.00}. Then I received another notice in XXXX that they are raising it again! I fell behind and tried and tried for modification and no help. They receive credit from the Department of Justice, but they don't report that they turn around and raise those rates back up behind the DOJ 's back, claiming escrow shortage. My insurance and taxed did not increase by {$400.00} in the last two years. I have paperwork for proof. The DOJ gives credit for this? Even though it's misleading? You continue to let this company illegally take homes and do business in the U.S. when you know what they are doing is illegal. If you didn't think it was illegal, why file complaint after complaint against them. And for whatever reason you settle. I am a single mother who was caught up in the XXXX housing crisis. I was taken advantage of then, and continue to be by SPS. Never mind the fact that the assignment claim they filed on my property was filed 2 years after it was supposedly signed. And the supposed manager on the account was never a manager. She is willing to testify in court on my behalf. They continue and repeatedly say that my note holder is XXXX XXXX XXXX XXXX, but when you contact them, they have no knowledge of me or my loan, or my SSN. No information regarding me. During the crisis those mortgage assignment and securities where under scrutiny and had a complaint filed against them for those same practices! They have no record of me. And they fraudulently send this through USPS mail knowing it's a lie. How is that not a federal crime? They continue to say that I have a relationship team manager. Virginia has yet to call me! I have yet to talk with her. She is never available. It is always someone else calling me from SPS. They call at XXXX while I'm at work. And if I don't answer, there is a note on my door saying they are trying to get a hold of me. Never mind the fact that I just talked to them the day before. And they will charge a few for that saying they are trying to locate me. Tell me why they continue to do this, when there is a currently lawsuit against them by another client ( I won't include his name ) for the exact same practice. Why does the XXXX Government let them get away with what they do? They are doing the same practices that led to the XX/XX/XXXX-XX/XX/XXXX housing crash and crisis. I'm a victim that struggles to keep her home due to XXXX 's practices. They offered a repayment plan that was triple my original mortgage rate for 12 months! That they claim is to bring me current. How would you expect me to afford a {$1400.00} mortgage payment for when I tried to modify from the near {$900.00} payment they bumped it up to, due to " escrow '' shortages? I do not want a big packet in the mail from SPS regarding this matter. I want the truth and that's it. They repeatedly threaten with foreclosure to get someone out of their home. If you, the cfbp would look back at the complaints ... how is that so many consumers have the exact same complaint about the same company and you do nothing about! I have not received anything regarding their decision to not modify, of when they discussed anything w/ my lender or not holder. Does a SPS make those decisions on their own? Why is there never a representative from XXXX XXXX XXXX XXXX in the courtroom? If SPS wants the home, then I'm sure they will find a way to take it. They have yet to explain to me why my {$700.00} payment was not posted from XX/XX/XXXX. The latest court filings and none of them actually, because they have tried to foreclose numerous times, contains the same paper work attached. It's always different. The assignment is in some and not in all. The loan amounts are different. The loan number and account numbers aren't always consistent. It's a sham and SPS, The DOJ, & the cfpb all know it. But with the current president, banks and creditors can do whatever they please to the consumer with no consequences. As long as they make their money. I have even attached that document to my complaint with you all before. One representative said since it had redaction that they couldn't take it. I do not have to show SPS my full bank statement. They only need to see payments to them, and my income. They never even asked for income which increased by over $ XXXX/month in their latest denial for assistance. Legally they are supposed to show the numbers that they used. The denial only showed where they pulled comps in my area. There was no income calculated. No communication between the holder and SPS which is necessary by law. No true NPV calculated. No explanation of how much cash flow my investor would receive from a modification verses a foreclosure. To say I'm terrified for myself and my children is an understatement. Select Portfolio Servicing please do not send me another huge packet in the mail. Electronic will suffice.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73071
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing is charging consumers up to {$15.00} processing fee for utilizing their online payment functionality. Consumers should not be forced to pay a processing fee for making online payments on the company website.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX : I received a call from CFPB to confirm additional documents. CFPB requested clarification of my issue and advised this complaint had no yet been sent to SPS Loan Servicing. In order to provide to SPS, I needed to provide further detail in order for CFPB to submit to SPS Loan Servicing. NOTE : Original complaint filed XXXX Complaint # : XXXX | Began request for Forbearance continuance XX/XX/XXXX and ultimately, was redirected to the process of Modification. This was never addressed / finalized / approved at the 7th month of attempts. Consumer filed concurrently with the XXXX XXXX XXXX ( XXXX ) associated with SPS Loan Servicing in Corporate offices ( UT/FL ). At that point XXXX received reply by company. The response was blame placement on consumer and took no responsibility of their actions. ( Consumer included UT XXXX XX/XX/XXXX response ). CFPB advised I am unable to submit new documentation to the existing complaint unless I run down details with Representative at this moment. Unfortunately, I was not near my paperwork, therefore, the only option was to withdraw the original request and resubmit new request XXXX Referencing 1st Complaint # but will be assigned a new number at submission. I opted to do submit a new complaint in order to move forward, and have SPS Loan Servicing notified of my complaint. I have attached the necessary information in order for CFPB | XXXX ( Utah/ Nevada ) | Utah CFPB | AZ Attorney General | Utah AG | Respective Executives within SPS Loan Servicing to also be ccd on my complaint in order to have a resolution to a now 9-month long request for Mortgage Assistance which resulted in my Credit being affected and potential to lose my home. My proactive approach to start this process/request was in order to avoid adverse scenarios with my family home & no damage to my credit score. Unfortunately, the prolonged strategies used and not disclosed in a timely manner ; toppled with the fact at the time of the initial submission I had Mortgage Assistance established through the Federal Government SPS Loan Servicing was not in a position to offer any assistance since my payments were being made through XX/XX/XXXX. SPS Timeline rundown XX/XX/XXXX - Present : XX/XX/XXXX Notified by SPS that my Forbearance was up for expiration ( the 6-month term only ). XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE_ NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence acknowledged initial response. A letter indicating, we are missing : RMA Hardship Affidavit to Welfare inquiry, totaling 19 items. Which are all items on the application. XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence referenced Verbiage changes slightly for each reply. A letter indicating Required Information : All 19 items as listed above. Seems to be auto-generated 2 days after first was created. XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence referenced Verbiage changes slightly for each reply. I Submitted paperwork on forms given. Requested Required information which included 14 items. NOTE : As you review the documentation enclosed please notice the verbiage of the correspondence varies but not by much. Each letter advises an item that is missing, BUT the forms provided with the identical layout are all different versions that were never specified in the correspondence from SPS. This is a tactic to confuse/frustrate the homeowner to the point of giving up and ultimately losing their homes. XX/XX/XXXX -XX/XX/XXXX : Received multiple requests from SPS to complete the form and required documents. There is an average of 2 pieces of correspondence from SPS each month within these months requesting for the information needed to complete a full packet in order to begin the review process of Modification Request. XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence referenced Verbiage changes slightly for each reply. REVIEWED ENTIRE ACCOUNT | STILL MISSING DOCUMENT| CONTACT US ASAP FOR HOME RETENTION also known as threatening and intimidating by use of an electronic device. 13-2916. Use of an electronic communication to terrify, intimidate, threaten or harass ; applicability ; classification ; definition A. It is unlawful for any person, with intent to terrify, intimidate, threaten or harass a specific person or persons, to do any of the following : 1. Direct any obscene, lewd or profane language or suggest any lewd or lascivious act to the person in an electronic communication. 2. Threaten to inflict physical harm to any person or property in any electronic communication. 3. Otherwise disturb by repeated anonymous, unwanted or unsolicited electronic communications the peace, quiet or right of privacy of the person at the place where the communications were received. B. Any offense committed by use of electronic communication as set forth in this section is deemed to have been committed at either the place where the communications originated or at the place where the communications were received. C. This section does not apply to constitutionally protected speech or activity or to any other activity authorized by law. D. Any person who violates this section is guilty of a class 1 misdemeanor. E. For the purposes of this section, " electronic communication '' means a wire line, cable, wireless or cellular telephone call, a text message, an instant message or electronic mail. Letter from SPS advising I have not yet sent all paperwork needed/required to process my Mortgage Assistance Application. New application received. XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE_ NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence acknowledged initial response. 2ND THREAT TO MY HOMEOWNERSHIP : Must receive by XXXX we are unable to evaluate application. AT THIS POINT Paperwork received and sent to SPS is now at 6-month mark. Well over standards for evaluation of Modification. Letter from SPS indicating there are 19 items missing from the packet in order to process XXXX. NOTE : As reflected in the early stages of this between XXXX and XXXX the items decreased from XXXX to XXXX, now in XXXX, we are back up to XXXX. XX/XX/XXXX : MAKE COPIES FRONT AND BACK OF THIS LETTER IMPORTANT RESPONSE RECEIVED ENVELOPE_ NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence referenced initial response. TIME IS OF THE ESSENCE SPS, please practice what you preach. Letter received from SPS indicating ( in short ) not all documents have been received in order to begin/complete the review process. No other information provided in this 2-page letter indicating what is missing. This letter did, however, provide the website to upload all documents to for submission to SPS. Here is a direct paragraph from the letter I found unsettling considering I had been at this point trying for 6 months to KEEP my home. If you no longer wish to pursue home retention options, SPS can assist you in completing a short sale or deed in lieu of foreclosure. If you complete a short sale or deed in lieu, you may receive up to {$10000.00} in relocation assistance. You may call us or go to our website, www. Spservicing.com, for information regarding our assistance options. NOTE : EVERY 2ND MONTH THERE IS A LETTER SENT IN SHORT YOUR PAPERWORK IS EXPIRED. EXAMPLE : XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX XX/XX/XXXX : The received letter indicating the following items are still needed in order to review for Modification : Non-Customer Proof of Occupancy. Never did I indicate I had anyone else but me and my children residing in this home. Non-Customer Credit Check Authorization. This should not hold me up due to the fact I never indicated I had anyone else living at my home. This would be considered, N/A HOA I am in an established neighborhood This letter indicated 15 items missing for review, I reflected a few above. Are you following where this can be quite confusing and frustrating? NOTE : The month of XX/XX/XXXX indicates the 7th month of pursuing help PRIOR To my established assistance with SAVE OUR HOME AZ ( SOHAZ ) ending XX/XX/XXXX. XX/XX/XXXX, PLEASE SCAN BOTH SIDES / FULL DOCUMENT LETTER FROM SPS INDICATING OTHER OPTIONS WITH NO OFFER OF FORBEARANCE NOR CONTINUE REGARDLESS OF THE FACT THE MY INITIAL APPLICATION SUBMITTED IN XX/XX/XXXX WAS TO CONTINUE FORBEARANCE AND WAS ULTIMATELY MUDDLED AND LOST INTO A MODIFICATION INSTEAD. ORIGINAL FOREBEARNCE TERMS WERE ESTABLISHED THROUGH XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX AND ALTHOUGH MY DECLINE OF THIS FOREBARENCE WAS SUBMITTED TO THE OMBUDSMAN AT SPS, IT WAS IGNORED. THE ACCOUNT WAS THEN CONTINUED ON FOREBEARANCE XX/XX/XXXX XX/XX/XXXX. Up to this point, we have not heard from SPS on the Forbearance request. : forbearance was last mentioned in XX/XX/XXXX and never again. Once my application for Forbearance was submitted, this undenounced to me it was now a Modification and Forbearance was not an option. PLEASE SEE REFERENCE LETTER FOR FURTHER CONFIRMATION OF WHAT I AM EXPLAINING. In SPSs position to strongarm, threaten and intimidate me into a short sale, Deed In lieu, and nothing more ; even though the letter references Payment Deferral available, Repayments, and Short Sale Payoffs. As you read there is absolutely no mention of any forbearance assistance option through SPS. I would like you to reference Arizona Revised Statue : _ _ _ _ _ Threatening and Intimidating with the use of an electronic device. This means any option open for me at this point is one that would allow SPS to remove me from my home and they win in the end while my family and I remain homeless. What options do I receive for HOME RETENTION from SPS at this point, NONE. I am not ( Per this letter ) eligible for Modification, therefore wheres my help? Why am I still processing this application if SPS is not willing to approve a modification? To be clear : I was informed by Relationship Manager at SPS that in order to Qualify for a Home Loan Modification, you must be 60 days behind on your mortgage. I AM currently 60 days behind due to my Financial Hardship but in every phone call made to my Relationship Mgr, the first question is Can you bring your account up to date and pay the {$2400.00} by XX/XX/XXXX? How would like to process that payment? This is not money I have in my purse just waiting to be spent. I am in this situation and NEED a modification in order to have Home Retention. It is a double-edged sword. You may pay your account to bring current = RESULT, Modification NOT an Option, because an account is current and you can afford it. I continue on the non-payment = RESULT, 1 of 2 options : 1 ) Foreclosure : this defeats the purpose of my proactive approach to establish this Modification / Forbearance in XX/XX/XXXX BEFORE my XXXX Save Our Home AZ program ended, last payment XX/XX/XXXX. 2 ) MODIFICATION APPROVAL : This is my ultimate goal, along with re-fi wrapping up my first and second mortgage which were established at the time of my home purchase. XXXX XXXX XXXX to pay, with a FIXED Rate so I may someday own my home and not be locked into the Predatory Loans I currently have in place ( SPS- Arm | XXXX- Interest Only | Balloon Payment expected maturity XX/XX/XXXX ) MODIFICATION APPROVAL DEALINGS REGARDING SPS | INTERNAL WORKINGS NEVER DISCLOSED TO THE CONSUMER : SUBMIT RMA / MORT ASSISTANCE APP TO SPS 30 DAYS FOR REVIEW UPON RECEIPT ONCE 30 DAYS UP | SPS SENDS LETTER STATING NOT ALL DOCUMENTS RECEIVED WE RECEIVED AND REVIEWED YOUR SUBMISSION PLEASE SEND IN ALL DOCUMENTS ( WHICH IS UNDERSTOOD BY HOMEOWNER REFERS TO THE ENTIRE PACKET ) | PLEASE NOTE THE WORD ALL DOCUMENTS DOES NOT CLARIFY / SPECIFY WHAT DOCUMENTS ARE NEEDED. This is part of the verbiage game SPS Plays with consumers. Another exact example from my letters are : We have insufficient or incomplete information. INSUFFICIENT translates to Expired | INCOMPLETE translates to we arent going to disclose to you the items that have expired or needed again. IN ADDITION, the website does not allow homeowner to access the reviewed items, submitted items, or any notes from the U/W directly. NOR does the CSR or RM provide a direct contact to the U/W and plays the role of gatekeeper i.e. delaying the process further with a middle man. MUST BE SUBMITTED 30 DAYS TO THE DAY OF THE THIRD MONTH ALL PAPERWORK IS NOW EXPIRED, BUT NO CORRESPONDENCE IS MENTIONED OF THIS LOOPHOLE OF WHAT ITEMS / IF ANY/ YOU, UNTIL THE 2nd MONTH ON THE BACKSIDE OF THE LETTER. Note : When you sent the original packet in, you provided the previous 3 months worth of documentation including bank statements, proof of residency ( electric bill, ect. ), RMA form- Monthly expenses vary every month. This caveat to the situation allows SPS to play a continuous time extension for as long as they need/want, leaving the homeowner exhausted and feeling defeated. NEXT LETTER RECEIVED : SPS INFORMS CONSUMER YOU DO NOT HAVE ALL DOCUMENTS. UNKNOWINGLY THE CONSUMER SUBMITS THE ORIGINAL PACKET AGAIN TO SPS. THIS VICIOUS CYCLE CONTINUES FOR MONTHS ON END AND YOU MAY CONFIRM THEIR BUSINESS ETHIC ( OR LACK THEREOF ) AND THIS STRONGARM TACTICS OF MAKING HOMEOWNERS FEARFUL OF LOSING THEIR HOMES, SUBMIT TO ANY AND ALL THREATS PROVIDED BY SPS. MOST FAMILIES, IN THIS CASE, LOSE THEIR HOMES. REFER TO SPS LETTER XX/XX/XXXX, XXXX HAS OFFERED US $ XXXX AND RELOCATION ASSISTANCE. GET OUT! XX/XX/XXXX THE OPTIONS THEY ARE OFFERING ME TO LEAVE MY HOME. XX/XX/XXXX : SPS LETTER : SPS STATES THAT I HAVE DEFAULTED ON OUR MODIFICATION AGREEMENT. I WAS NEVER AWARE OF A MODIFICATION EXISTING. UP TO THIS POINT NO REVIEW / MODIFICATION WAS EVER GIVEN, AND IN DEFAULT WHICH IS ALL INCORRECT AND FALSE INFORMATION. DEFAULT = 30 DAYS PAST DUE. Please correct me if I am wrong. ARS STATUTE - FALSIFICATION OF DOCUMENTS ( Cited from : XXXX XXXX XXXX ) 13-2002. Forgery ; classification A. A person commits forgery if, with intent to defraud, the person : 1. Falsely makes, completes or alters a written instrument ; or 2. Knowingly possesses a forged instrument ; or 3. Offers or presents, whether accepted or not, a forged instrument or one that contains false information. B. The possession of five or more forged instruments may give rise to an inference that the instruments are possessed with an intent to defraud. C. Forgery is a class 4 felony, except that if the forged instrument is used in connection with the purchase, lease or renting of a dwelling that is used as a drop house, it is a class 3 felony. For the purposes of this subsection, " drop house '' means property that is used to facilitate smuggling pursuant to section 13-2319. ARS STATUTE - PERJURY ( Cited by XXXX XXXX XXXX ) 13-2702. Perjury ; classification A. A person commits perjury by making either : 1. A false sworn statement in regard to a material issue, believing it to be false. 2. A false unsworn declaration, certificate, verification or statement in regard to a material issue that the person subscribes as true under penalty of perjury, believing it to be false. B. Perjury is a class 4 felony. RE ARS Statute Above Note : SPS LOAN SERVICING response to XXXX ( Government Agency ) is inaccurate and misrepresentation of services rendered by a Mortgage Servicer. This also includes providing XXXX the initial inquiry on my part for assistance being XX/XX/XXXX. WHERE ARE ALL DATES PRIOR TO THIS IN TERMS OF MY ATTEMPTS? I began this process in XX/XX/XXXX. XX/XX/XXXX : OPTIONS TO STAY IN OUR HOME, BECAME SHORTER WHICH CONSISTED OF : MODIFICATION BEEN TRYING PAYMENT DEFERRAL REPAYMENT PLAN & SPECIAL FORBEARANCE SHORT SALE DEED IN LIEU OF FORECLOSURE SHORT PAYOFF XX/XX/XXXX REFER TO THE OPTIONS GIVEN AT THAT POINT, DIFFER FROM ABOVE. NOTE : AS YOU CAN SEE MORE STRONGARM TACTICS BEING USED TO THREATEN AND INTIMIDATE, NO DIRECTION OR GUIDANCE GIVEN. SPS IS A BULLY IN THIS CIRCUMSTANCE AND PLAYING ON THE EMOTIONS AND LIVELIHOOD OF THEIR CUSTOMERS WHICH IS DESPICABLE, UNETHICAL, and UNACCEPTABLE. XX/XX/XXXX Correspondence indicated I agreed to modify my loan, but all other correspondence clearly reads the review can not be complete due to not receiving all or any of the documents in order to get to a point of receiving a review process. In this letter it reads I am in default for my account. SPS was so gracious to provide the option of ALLOWING my XX/XX/XXXX payment before XXXX waiving the {$15.00} late fee. I am unable to comply this is the reason for my request for modification. As stated in the Modification Agreement and in accordance without mortgage documents, you agreed to make all of your payments on time and in the correct amount in order to remain current and in a good standing. On the flip side of this statement it was made VERY clear by SPS I must be 30+ days behind on my mortgage in order to even be considered for Modification / Forbearance. NOTE : DUE TO MY FINANCIAL HARDSHIP, I APPLIED FOR A MODIFICATION IN XX/XX/XXXX WITH MY 2ND MORTGAGE, WHO IS WELL KNOWN IN THE MORTGAGE INDUSTRY FOR AWFUL CUSTOMER SERVICE AND PENDING LITIGATIONS. THE PURPOSE OF ME MENTIONING THIS IS BECAUSE I WANT TO LET YOU KNOW WE ARE ALREADY MODIFIED AND IN THE PROCESS OF MAKING MY FIRST MODIFIED PAYMENT. XX/XX/XXXX : Emailed and scanned the packet again to SPS. This email is date stamped upon delivery and attachment pages were all accounted for PRIOR to sending. No one can say I didnt comply with the original submission request of items needed. XX/XX/XXXX : RESPONSE RECEIVED ENVELOPE_ NO APPLICATION _ DID NOT RECEIVE ENTIRE PACKET. Correspondence referenced initial response. Received 3 identical letters from SPS which all included the request to complete the RMA form again, three times over. XX/XX/XXXX : MAKE COPIES OF ALL SIDES OF THIS DOCUMENT VERY IMPORTANT Received Correspondence from SPS confirming I am in default under the terms of my mortgage or deed of trust. Exact verbiage reads : We may have loss mitigation options available to help you. These options, which you may qualify for include : Modification Payment Deferral Repayment Plan and Special Forbearance Short Sale Deed in Lieu of Foreclosure Short Payoff As you can read by thoroughly reviewing all correspondence included in this complaint. PLEASE BE ADVISED THAT THROUGH THIS PROCESS I HAVE RECEIVED AN UPWARD OF 8 RELATIONSHIP MANAGERS XX/XX/XXXX XX/XX/XXXX WE HAVE NOT RECEIVED A STEADY INDIVIDUAL TO ACCURATELY AND EFFICIENTLY KEEP TRACK OF MY ACCOUNT IN ORDER TO HAVE A STREAMLINE COMMUNICATION WITH SPS. XX/XX/XXXX : I reached out to SPS by phone. Duration of call 36 minutes. Relationship Manager informed XXXX needed to provide the last two paystubs considered XX/XX/XXXX, I attained a job. I only have two paystubs. NOTE : TWO PAYSTUBS SENT BY EMAIL FOR SPS TO SATISFY THIS LAST REQUEST. PHONE CALL DROPPED AFTER 36 MIN. | I CALLED SPS BACK. Note : Relationship Manager ( different than the prior call | Declined to xfer me to the first RM I was speaking with ). This RM was unable to assist me and advised if I made a {$2400.00} payment by XX/XX/XXXX, they would not report me to the Credit Bureaus as LATE The worm on this hook is if I pay you-you won't help me. I do not have {$2400.00} THIS IS THE PURPOSE OF MY REQUEST FOR MODIFICATION. XX/XX/XXXX : MOST RECENT CONTACT | VERY IMPORTANT I reached out to SPS by phone. Duration of call 1.5hrs. during this conversation with SPS Relationship Manager, who line itemed out what documents we have verses what I need to provide. SPS has in my application having the following documents ; Proof of residency Established by XX/XX/XXXX Electric Bill ( provided in the initial refiling of forbearance re-application ). NOTE : I provided NEW APS bill ( XX/XX/XXXX & XX/XX/XXXX ) to ENSURE SPS was not reviewing old documents | nor have yet another excuse to delay my review process. Confirmed with the rep this was received IMMEDIATELY. Paystubs Last two Provided by Email 2 days prior to today. REASON FOR MY CALL TO CONFIRM RECEIPT. NOTE : The SPS requirement requires Gross Earnings, Net Earnings, Taxes, & Deductions reflected on the Payroll Stubs. SATISFIED. RMA NO MISSING INFORMATION PUBLIC ASSISTANCE- RECEIVED | NO FURTHER INFORMATION NEEDED FOR THIS ITEM. SATISFIED. BANK STATEMENT : confirmed XXXX XXXX XXXX XXXX XX/XX/XXXX / XXXX SATISFIED. PENSION Flagged and Green as reflected on their end. I explained I dont have a Pension, so whos pension is added to my packet?? WHEN RM PULLED THE DOCUMENT UP ON THEIR END, NO DOCUMENT WAS UPLOADED BUT IT WAS MARKED AS GREEN AND IT WAS IN COMPLIANCE. I REQUEST A SCREENSHOT OF WHAT SHE IS SEEING RM REFUSED. I REQUESTED CONTACT INFORMATION TO THE U/W TO CUT OUT THE MIDDLE MAN- RM REFUSED. RM advised she has a different view of the documents on the SPS website. As I was on the call, I pulled the website only to reflect that the information provided to the customer who is supposed to be gathering & supplying the documents have no clear and concise listing of items needed. It appears the U/Ws have the capability to prolong this process as long as they wish and makeup what they want as they go. THIS CONTINUES THE DATE RUNDOWN OF MY ACCOUNT DETAILS / INTERACTION WITH SPS LOAN SERVICING. This vicious cycle turns into a frustrating and exhausting affair that creates room for error due to the fact there are Too many chiefs and not enough Indians. The entire reason to file the initial complaint with the CFPB was due to the unethical business practice of SPS CSR demanding the creation of a financial document that did not exist, hence fraudulent / forging false financial documents. ** In filing this complaint, it allowed me to review all my interactions with SPS and re-review all my correspondence to determine the cycle of threatening, intimidating and how they continuously change their direction, so the guidance on this process is not structured, therefore becoming convoluted. In that filing on XX/XX/XXXX, I explained my interactions with the CSR at the time of her request that I did not pay taxes on the {$2000.00} I made for Year End XXXX. She said my Modification can ONLY be based on what I earned and Paid in Taxes. I explained to this uneducated individual who is still employed and servicing customers, that State of Arizona has Tax Regulations that are overseen by the Internal Revenue Service ( IRS ) and I have no tax liability & informed her SPS can not regulate or police a customer on their tax obligations or in my case lack thereof. I wasnt obligated to pay taxes on the {$2000.00} I made in XXXX and at that moment realized I wasnt going to get help from my mortgage servicer. **Falsifying documents is a type of white-collar crime. It involves altering, changing, or modifying a document for the purpose of deceiving another person. It can also involve the passing along of copies of documents that are known to be false. In many states, falsifying a document is a crime punishable as a felony. Some types of documents that are commonly falsified may include : Tax returns and income statements Personal checks Bank account records Business record keeping books Immigration documents ( such as visas, passports, etc. ) Identification cards and birth certificates Basically, any type of official form or document can be illegally modified. Falsifying documents is usually done in connection with broader criminal aims, such as tax evasion. In order to be convicted of falsifying documents, the accused person must have acted with criminal intent. Some businesses forms such as corporations can also be charged with falsifying documents. ( Cited from XXXX XXXX XXXX ) XX/XX/XXXX : s/w SPS at XXXX XXXX CSR told me I am in need of an updated paystub and Section 8 of the Request for Modification doesnt have a check mark in a box. I explained to the Relationship Manager That I went through line item by line item on my last call and I had all the information for submittal. XX/XX/XXXX : I sent SPS my updated Paystub, rewrote the entire Request for Mortgage Assistance, Updated Bank Stubs Included XXXX, XXXX, and XXXX. I am being extremely specific when I explain what I want my resolution to be. I want my loan refinanced at this point in order to get a fixed rate and out of this ARM. It is clear that SPS has no intention to Modify my current loan and for this process to take 7 months to complete is absurd and unacceptable. I want to wrap up both my mortgages into 1 loan at a fixed rate. My last conversation with SPS on XX/XX/XXXX informed me that my house had a drive-by appraisal done on it and it is estimated on the low end of $ XXXX. I have a job and unfortunately, when I purchased my home 13 years ago I was at a different job, title, and pay. I now have a job and although it is significantly less than what I used to make, nevertheless it is financial stability and SPS has no further excuses not to help me in some way. I jump through every hoop tossed by SPS, and they refuse to streamline this and make this process streamline and efficient. I am at my wits end with this company and need everyone to know their shady operations and questionable business practices. I NEED A COMPANY IN A POSITION OF POWER TO SEE THE GAMES AND TO REGULATE THIS COMPANY. I have enclosed the timeline that I am highly anticipating SPSs response on. I have enclosed my resolution and the only result I am willing to accept at this point.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2019-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a XXXX rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XX/XX/2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2019-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A