Date Received: 2018-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPS Select Portfolio Servicing, inc unfair resolution of my house. Which promise my a short settlement which I paid in a timely matter but cheated me out of my house.
Company Response:
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2018-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/XXXX, I retained this attorney 's office for a mortgage foreclosure. My income changed and I wasn't able to make the required payments. I was told that they would represent me in this action and ask me how much I can pay monthly. I gave them a sum of {$300.00} and it has been ongoing from XX/XX/XXXX to XX/XX/XXXX. I've paid approx. {$10000.00} for attorney representation. Through the attorney 's office, I wasn't offered any programs to save my home. I asked for programs to save my home, none was offered to me. When I would call periodically, I was told they were handling it. Now foreclosure judgement has come, and my house was sold XX/XX/XXXX. My attorney stated that he put in a appeal that was denied. I want to make a complaint on this law firm who took my money for three years, which is around {$10000.00} and provided me with no 'options ' in saving my home. I am a single parent with XXXX twins. My mother lives with me. She is also XXXX. I need my home. I'm asking you to investigate this case, to find out if there was any wrong doing on behalf of this law firm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The following banks servicing companies and such the like have FDCPA law issues attempting to collect a debt that does not exist was paid off, was not transferred thereto XXXX XXXX XXXX now doing business as XXXX XXXX XXXX XXXX, XXXX , XXXX XXXX/XXXX XXXX XXXX [ XXXX ] /formerly known as XXXX, XXXX XXXX , XXXX alleged Trustee and Select Portfolio Servicing Inc. as well XXXX XXXX XXXX XXXX without verifying and validating the alleged debt. 15 U.S. Code 1692i - Legal actions by debt collectors ( a ) VenueAny debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action. Thus all parties herein this matter have committed offenses thereto the FDCPA. As stated beforeThe consumers in this matter never had a mortgage with any of the companies listed herein this matter above. Nor are they willing to or can validate nor verify the alleged debt but continues to attempt to collect on an imaginary debt created out of thin air. Such is unfair practices according to federal rule 808. When the consumer would address the issues at hand as in Please Validate and Verify, the banks would began playing hot potato and bouncing the debt around to other banks servicer and such the like. The Customers received numerous letters of threats from XXXX aka XXXX XXXX aka XXXX XXXX XXXX XXXX acquired by XXXX XXXX XX/XX/XXXX, and the SEC found this to be a fraudulent account and or Trust. Rather the letters continued. Even after the OCC got involved and contacted XXXX XXXX XX/XX/XXXX wheres the customers notified said bank and disputed the debt by way of letter certified mail and so forth. Such was ignored. On XX/XX/XXXX an employee named XXXX XXXX for XXXX XXXX XXXX XXXX [ XXXX ] stated in a letter that the debt did not exist in their records and she was the Research Dept manager whom stated she kept all records and could not find the alleged debt in their system no on microfiche paper carbon copy and such the like. Once the banks involved herein not limited thereto employees have received such letters in dispute they would ; harass customers by taking investment, calling late nights, ignoring the FDCPA, hinder the customer form having life liberty and the pursuit of happiness damage their credit by posting negative debts that have never been validated nor verified only created documents as in the FDCPA speaks against prevent them the customers from buying a home moving getting better jobs hindering business opportunities So on and so forth thus until the customers filed lawsuits against said banks herein this matter the banks such as XXXX XXXX XXXX { XXXX } would transfer the alleged debt thereto the company Select Portfolio Servings Inc on XX/XX/XXXX right after they failed to appear in court when identity theft case XX/XX/XXXX was held. Thereafter Select Portfolio Servicing Inc, transferred the alleged debt sometime in XX/XX/XXXX to XXXX XXXX XXXX XXXX. Since All herein has attempted to file such alleged never verified nor validated debts thereto all credit reporting agencies on XX/XX/XXXX XX/XX/XXXX done by XXXX XXXX XXXX XXXX [ XXXX ] as well Select Portfolio Servicing Inc, on XX/XX/XXXX and The XXXX XXXX XXXX again on XX/XX/XXXX. Thus the banks corporations and such the like but not limited thereto agencies employees and so forth have created a phony agreement that is and was forged some time ago and was attempting to mislead the customers herein to believe they had some contract from years ago but was newly acquired by such banks every three years. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. All herein this document was served a Lawful Notification Administrative Affidavit for Specific Negative Averment and Debt Dishonor notification over the past tear and a half. All have failed to rebut, refute and or challenge more or less they have all defaulted for alleging a debt and providing illegal documents created by forgery. None within this document can or has ever verified and or validated the alleged debt. All claim not to be the original lender but one in specific such as XXXX XXXX XXXX [ XXXX ] XXXX has alleged to have acquired the loan from the FDIC on XX/XX/XXXX, please see attachments. Rather when challenged to validate the debt and or verify they would produce forged documents created by their own employees. Their employees have worked for one or more of the banks involved herein this matter. Changed over to continue harassment, fraud, and illegal Fair Debt Collection Practices. When even the customers would try to purchase a home they would post negative comments somehow on the customers credit reports but such would later be deleted well after the customer was denied rights to purchase a home. The alleged debt has been disputed and found to be fraud and such companies herein continue alleging a debt by way of attorneys and agents alike as well not limited thereto employees and others Now the banks corporations and such the like are fearing while in court theyll be exposed so they are using the excuse that they are being erroneously sued for 1.Harassment 2.Identity Theft 3.Slander 4.Defamation and 5.Libel rather this is a new claim for the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p violations. Restituion must be paid to the customers XXXX XXXX XXXX and XXXX XXXX XXXX for it has delayed hindered harassed caused family issues created debts and destroyed their good names as human beings. For one bank said they don't like to pay their debts and they don't take kindly to those whom don't pay their debts, such is a threat on their lives and such has been done since. As stated by the Fair Debt Collection Practices Act 15 U.S.C. 1692-1692p.
Company Response:
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2018-05-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is a fellow up with previous case # XXXX-XXXX. you have requested more information. Here I attached the documents that will show you my mortgage you bought from XXXX XXXX XXXX. This is the Assignment of the Deeds. Thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX XXXX mortgage company select portfolio servinging. Acct # XXXX On XX/XX/XXXX we appointed a new insurance agent for our home insurance policy. The agent informed us that we were not given the correct policy for our home from the prior agent. We were under covered by the company. We decided to go with the new account, As you probably know in XXXX Florida you must get a re inspection of the policy in order to update the policy. We went ahead and renewed our policy. Select portfolio is now stating that we must pay an {$300.00} for lapse of insurance. We never had a lapse it takes the new company to send inspection and must go through underwriting to create the new policy. During this course they was no damages to the property and we have all the forwarding information and conversions with the new agent. I feel its completely unfair for this company to now want to send me delinquent letter bill stating we owe them XXXX when the house is insured. We do not have an escrow account with our mortgage company. Once again I fell its a tactic for them to continue to charge bogus amounts to there client. We have had continuous problems with them and they continue to hassle home owners. we tried resolving the issue with them over the phone and to no help. Now we received a certified letter about this XXXX bill. Please if there is anyway we can help us to resolve this matter. our insurance policy is through citizen
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: we have been paying our mortgage on time and all the money is going on the interest and nothing on the principle, we tried to talk to them about this with no results. we have been paying for 15 years and there is total of {$1600.00} is the only principle on the house. The. loan is for {$170000.00} and the house is valued at {$84000.00}. We filed for a deed in lieu of they took all the info, and then sent us a subpoena, they never called back about the paper work nothing we had to call them after receiving the subpoena.
Company Response:
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2018-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX/XXXX XXXX transferred a mortgage that had been paid in full and released a XX/XX/XXXX mortgage with XXXX that had already been released. We continued to pay XXXX under threat of foreclosure until they released a XX/XX/XXXX mortgage that was also released twice. Now we are transferred to SPS also under threat of foreclosure for a brand new loan no one ever gave us. 1. They are collecting {$8700.00} for {$6900.00} Taxes and insurance 2. In XX/XX/XXXX there was a new loan set up that no one gave us and charged us a {$450.00} late fee. The only explanation is that the loan started over. - what does this mean? What is this loan?
Company Response:
State: MO
Zip: 64081
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are in the middle of a short sale however the 2nd mortgage with SPS has assigned a foreclosure date on the property. The 1st mortgage is held by the City of XXXX and we are also in the middle of negotiating the sale with them. The offer has already been sent to SPS and was even accepted back in XX/XX/2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02124
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I filed Chapter XXXX bankruptcy protection for the Southern District of Florida, case no. XXXX. On XX/XX/XXXX, was discharged. Under the Bankruptcy code when a debtor is discharged is not the end of the Bankruptcy because until the case is close, particularly in Chapter XXXX case, the bankruptcy trustee remains the legal owner of all asset which are property of the Bankruptcy estate. Although the Bankruptcy case is currently open Select Portfolio Servicing employed debt collector XXXX XXXX XXXX XXXX XXXX to acquire a sale date from the court. This action is prohibited under the Federal Bankruptcy Code. Both, Select Portfolio and their debt collector are in violation of Federal Bankruptcy Code. The Bankruptcy code supersedes any state order and in particularly when the debt is currently owned by the US Trustee and the Federal bankruptcy Court. SPS is also in violation of Treasury Rules in regards to the sale date. We are being reviewed for a loan modification therefore all Treasury rules apply. Under treasury rules servicer may not request a sale date until the debtor is reviewed for mortgage request and was notify to either approval or denial and in the event is denied, the sale date may not be conducted until the debtor has a chance to an appeal. SPS violated such rules and are subject to sanctions. The CFPB has jurisdiction of Federal Rules therefore must sanction the named parties for violating Federal Rules that shall be respected.
Company Response:
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2018-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have in numerous occasions contacted SPS to attempt to refinance, loss mitigation and offered a short sale which should be on recorded conversations with the company. We were told that we were not eligible for any assistance options at all. Then when we found a foreclosure realtor specialist she was told that we were sent a letter in XXXX that said we were eligible for a short sale. We never received said letter and we were told verbally on a recorded line by a SPS representative, after being placed on hold, that we were not eligible for a short sale. So we felt we had exausted every opportunity we had. Now to find out it was all a lie.
Company Response:
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2018-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A