Date Received: 2018-12-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am just lost foe words now I do not know whom to talk to or reach out to, this has been going own since XX/XX/2015, I was originally approved for a Deed in lieu moved out home moved in with my mother in law, had inspectors com to home several times, kept getting the run around stating we need this we need that nothing, call in get transfer to everyone but whom is over the account, ok now we found someone to buy the home got an agent to help us we are still getting the run around, stating we need this we need that, my agent sent over everthing an I even sent the paperwork on my behalf as well. Im just so tired of going back an forth with this Company Select Portfolio Servicing, I dont know whats going own over there but something needs to be done because for number one they have are not organized no one no nothing an im tired. I expressed to them that I am not able to afford this home due to my income & hours dropping. Can someone please help or direct me where I need to go to get this situation done an over with. I am mentally drained
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 700XX
Submitted Via: Web
Date Sent: 2018-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In a response letter written by your company, on your letter head, you documented under the section labeled " Late Fees '' : " The {$1000.00} was waived on XX/XX/2018 and is visible on the enclosed Monthly Mortgage Statement dated XX/XX/2018. As of the date of this letter, ( dated XX/XX/2018 ) the account is due for XX/XX/2018. '' I anticipated all corrections to be shown on the XXXX bill ... paying the requested amount at the end of XXXX and at the end of XXXX, which was documented and received by Select Portfolio Servicing , inc . But as I waited for the XXXX bill ; upon arrival, it shows not the approximation of 1 month past due per the attached documented amount. If as of the XXXX letter from you to me I was 1 month past due, ( owing for XX/XX/XXXX ) how is it that as of the XXXX bill, there is a reflection of " Past Due Payments '' in the amount of {$1900.00}? That amount is over 2 Payments! This bill therefore reflects a total due of over 3 payments. The online payment screen shows no correction in monthly payments and reflects a monthly payment due of {$980.00} instead of {$940.00}, per your documented XXXX XXXX correction letter. In all of this, I have STILL NOT MISSED A PAYMENT. Your records reflect a payment made each and every month. Why is there a " Unpaid Late Fee Charge '' of {$93.00}?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made an anticipated payment for XX/XX/XXXX to Select Portfolio Servicing , Inc. on XX/XX/XXXX for {$1200.00} because I'm travelling internationally and won't be able to process payment ; I indicated XXXX payment in the memo, however, the servicer has taken the payment and applied to my principal, thus creating a hardship for me because I wont be able to make the XXXX payment from oversea. I have requested the payment to be adjusted several time, without avail. Why are servicing applying payment to principle without my authorization? Loan No XXXX Select Portfolio Servicing , Inc This issue has created a great deal of street for me during my travel.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: DEMAND to CEASE & DESEST FINANCIAL EXPLOITATION OF AND ELDER PERSONS, O.C.G.A Sec.30-5-5 Please be advised that XXXX XXXX XXXX. has conspired with Select Portfolio Servicing Inc. to Financially Exploit me, a XXXX year old elder resident of the State of Georgia , County of XXXX by the illegal or improper use of my resources through undue influence, coercion, harassment, duress, deception, false representation, false pretense, or other similar means for ones own or anothers profit or advantage. [ 1 ] The offending parties are unlawfully claiming they hold a legal and lawful secured interest in my property. The Security Instrument they are relying on was voided in XXXX. It is not duly filed, recorded and indexed -- -- The Georgia Supreme said " we must reject XXXX XXXX definition of duly filed, recorded, and indexed. The court said that PRIOR TO XX/XX/XXXX : '' For a deed to be recorded, Georgia law requires that it be signed by the maker ( grantor ) and attested by at least two ( 2 ) witnesses. O.C.G.A. Section 44-5-30. A deed is attested when two or more natural persons see the maker sign the deed and they " attest '' to the fact by signing the deed as witnesses. '' -- -- - the court also said " the deed must be attested or acknowledged by an officer authorized by Georgia statutes. O.C.G.A. Section 44-2-14, 44-2-15. The official witness can be one of the two ( 2 ) required attesting witnesses. If the deed is not attested by an official witness, it may be acknowledged after execution and the acknowledgment certified on the deed by the official witness entitling the deed to be recorded. O.C.G.A. Section 44-2-16. If there is only one ( 1 ) " attesting '' witness, the deed is not entitled to be recorded, even if the deed is subsequently " acknowledged '' and even if the one " attesting '' witness is an authorized officer. O.C.G.A. Section 44-2-14. The above requirements are the same for all deeds, regardless of their nature. Therefore, when attestation or acknowledgment is not proper, it must be reported as a title defect. PRIOR TO XX/XX/XXXX : For a deed to be recorded, Georgia law requires that it be signed by the maker ( grantor ) and attested by at least two ( 2 ) witnesses. O.C.G.A. Section 44-5-30. A deed is attested when two or more natural persons see the maker sign the deed and they " attest '' to the fact by signing the deed as witnesses. Also, the deed must be attested or acknowledged by an officer authorized by Georgia statutes. O.C.G.A. Section 44-2-14, 44-2-15. The official witness can be one of the two ( 2 ) required attesting witnesses. If the deed is not attested by an official witness, it may be acknowledged after execution and the acknowledgment certified on the deed by the official witness entitling the deed to be recorded. O.C.G.A. Section 44-2-16. The court said If there is only one ( 1 ) " attesting '' witness, the deed is not entitled to be recorded, even if the deed is subsequently " acknowledged '' and even if the one " attesting '' witness is an authorized officer. O.C.G.A. Section 44-2-14.The above requirements are the same for all deeds, regardless of their nature. Therefore, whenattestation or acknowledgment is not proper, it must be reported as a title defect. The offending parties are unlawfully claiming they hold a legal and lawful secured interest in my property. They do not. [ 2 ] The perpetrators are threatening to seizing my property by claiming a legal right to conduct a non-judicially foreclosing. They hold no such recorded interest in my property. [ 3 ] Be advised that the perpetrators has intentionally misrepresented to business 's I am doing financial business with that they hold a legally and lawfully collectable debt relative to my property. They do not. [ 4 ] Be advised that the offenders has intentionally abused the Georgia non-judicial foreclosure statute by sending and publishing more than 20 false and deceptive, but " state required notices '', nearly one per month to coercion and harassment me into selling or leaving my unsecured property out of fear. [ 5 ] BE ADVISED, My spouse and I are FEE SIMPLE absolute homeowners holding GOOD title, and no legally collectable liens on record against my property. See the attached Acknowledgment and Acceptance of the Warranty Deed. See ATTACHMENT-001 [ 6 ] also be advised that CFRA and Georgia Statute expired more than a 2 year ago. XXXX XX/XX/XXXX- XXXX ( 1 ) AND XXXX ,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is about the SPS mortgage and is based on the denial of a loan modification without any financial documentation being requested as to the amount of mortgage payment that could be afforded based on the income, as well as the appraisal value as per SPS own appraisal of {$190000.00} for the past two years, and the current mortgage payment of of {$1800.00}, based on the loan amount of {$460000.00}. Instead they approved a repayment plan which is much higher than the current mortgage. I was behind on monthly payments and to avoid foreclosure I applied for a loan modification on property.In XX/XX/2016 under the Dodd Frank Home Affordable Program. SPS modified the loan and increased the mortgage new principal with a total of {$460000.00} with a new principal balance. I am having some difficulty in paying the mortgage of {$1800.00}. I recently requested a loan modification due to the past due mortgage payments and was instead given a higher payment {$2400.00} of a repayment plan and not a loan modification. SPS did not request any employment or financial information in order to qualify for a modification. However, a repayment plan was offered which I rejected, as it increased the monthly payment from {$1800.00} to {$2400.00}. The banks recent appraisal provided the value of the home at {$190000.00} which has been the same for the past three years of SPS appraisal. The mortgage loan for SPS is currently {$460000.00}, proving a significantly under water mortgage. I am unable to refinance this mortgage and there is a second mortgage of {$85000.00}. No one will refinance this underwater property. In SPS repayment with the terms, states the investor ( I dont know who it is ) will not consider a loan modification. I now owe more than the original loan as prior to my modification in XX/XX/2016 and is facing foreclosure. I've tried to keep up with these payments, but is struggling to pay this mortgage on an underwater property with negative equity, that cant be refinanced, or sold due to it being severely under water. SPS has their appraisals and is quite aware of the lack of equity in the home and that they will not get more than their appraisal of {$190000.00}, but much less. It needs a roof, as its leaking and now creating moisture and mold throughout the home. The house also has a second mortgage of {$85000.00} plus SPS mortgage of {$460000.00} for a total of {$550000.00} with SPS BPO of {$190000.00} and with a shortsale of {$190000.00} has a {$350000.00} negative equity. However, with a roof and mold issue, makes it less than the appraised value of {$190000.00}. The mortgage is unaffordable and the property has a negative value and is underwater.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 182XX
Submitted Via: Web
Date Sent: 2018-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a letter from Select Portfolio Servicing Inc. stating that they have not serviced my loan for a year, so they said they don't have to respond to my request to release the lien for my mortgage. SPS says they haven't serviced my loans for one year, but yet over the past few months due to my complaints I have filed with the Consumer Financial Protection Bureau, it has prompted SPS to finally respond to my numerous request for information and actions to release the lien for the mortgages due to the fact that the loans have been forgiven and extinguished under the Making Homes Affordable Program, or other means. I believe my mortgage have been extinguished through the making homes affordable program and forgiven. The loans have been charged off. I am requesting a lien release for both mortgages. XXXX XXXX XXXX says they aren't the responsible party, and XXXX XXXX XXXX says they aren't the responsible party, now SPS is saying they have not serviced my loan for a year? Who is responsible?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a loan with SELECT PORTFOLIO SER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SELECT PORTFOLIO SER with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XXXX - XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: PS sent me a letter dated XX/XX/XXXX which stated that SPS is aware of the issues presented in my RESPA letter and would like to work with me to reach a resolution. However, when I called them they were not able to provide any options for a resolution. I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. There have been so many accounting issues that an SPS employee, XXXX XXXX stated during a phone call that it is impossible to validate historical amounts because the loan data came from a previous servicer. My XX/XX/XXXX Mortgage Statement, notes that my XX/XX/XXXX unpaid payment is {$3400.00}. However, on my XX/XX/XXXX Mortgage Statement it shows my XX/XX/XXXX unpaid payment was {$2400.00}. To date they have not provided an explanation. Finally, they raised my interest rate to over 7 % and did not send a notification. Now, they are threatening to throw me, my XXXX children and XXXX dogs onto the street within days of the holidays. They need to do what they said and work with me on a resolution.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2019-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sent two mortgage payments instead of one by mistake. On XX/XX/2018 I called Select Portfoilio Servicing and requested the over-payment of {$2700.00} be returned immediately. The Rep for SPS said he would start the return process and I would have the money back in my account in 3-5 days. I said I needed the money sooner than that and he stated that was the best he could do. On XX/XX/2018 I called SPS Customer Service and ask why my money was not returned? The Rep stated they are waiting for me to send them my bank statement. I said there was nothing said to me about sending a statement or paperwork of any kind. I said I wanted to speak with a Supervisor or Manager and the Rep said theres no reason to speak with them as they will tell me the same thing. I had to demand to speak with a Manager. A supervisor by the name of XXXX XXXX came to the phone and said I must send them a copy of my statement and she would stay on the phone while I send her my bank statement. I sent her my bank statement and she confirmed she recieved it. She said she would handle the return of my money immediately. On XX/XX/2018 I called Customer Service again and ask to speak with Ms XXXX. I was told she was at lunch and a message was sent to her, to return my phone call that day. Its XX/XX/2018 and I STILL DO NOT HAVE MY MONEY! I called Customer Service again and ask to speak with Ms XXXX and I was told she was not available. It is very obvious this business is avoiding me by not returning my phone calls or my money as promised. I have now incurred several NSF fees from my bank and unable to afford the XXXX cost of medicine I need to purchase for my Son. This company and its employees have not only avoided my phone calls and request but also deliberately misled me with the handling of my case. ( I was actually told they need to contact the Federal Reserve for the return of my money )
Company Response: Company believes complaint is the result of an isolated error
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2018-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Select portfolio servicing gave me a modification, They said after a successful mod, they would update my past due reporting to paid. I made all payment on time to the aggreement. They sold my account to XXXX XXXX, And now it still shows late payment for the entire time, Over 180 days late,
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2018-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A