Date Received: 2018-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: OWNERS CFPB Complaint XX/XX/XXXX the improvements on my home were damaged by a fire and all damage will be, fully repaired and that the repaired portion of the Property and improvement will be in as good condition the Property was in before loss occurred and will be fully paid from the proceeds of the Loss Draft claim from funds retained By : Select Portfolio Servicing , Inc. ( SPS ) Select Portfolio Servicing , Inc . Loss Drafts Department XXXX.XXXX. XXXX XXXX XXXX, OH XXXX in the sum of {$54000.00}. I have submitted a letter of intent requesting funds to purchase materials in order to conduct self-repairs. SPS indicated repairs can only be conducted by a licensed contractor. However, New York State does not require a specific state license for contractors. Before starting this project I checked with my local code enforcement agent to find out what local regulations are required and he indicated there would be inspection of each phase of the project and has issued a building permit to start repairs. Furthermore according to New York General Obligations Law 5-602.Interest on insurance draft deposits in escrow with mortgage investing institutions Any mortgage investing institution which maintains an escrow account pursuant to any agreement executed in connection with a mortgage or any loan, secured by a lien on any one to six family residence occupied by the owner or on any property owned by a cooperative apartment corporation , as defined in subdivision twelve of section three hundred sixty of the tax law, ( as such subdivision was in effect on XXXX XX/XX/XXXX, XXXX XXXX XXXX ), and located in this state and which residence or cooperative apartment corporation received from an insurance carrier a draft, forwarded to a mortgage investing institution, as compensation for damage done to a residence shall, for each quarterly period in which such escrow account is established, credit the same with dividends or interest at a rate of not less than two per centum per year based on the average of the sums so paid for the average length of time on deposit or a rate prescribed by the superintendent of financial services pursuant to section fourteen-b of the banking law and pursuant to the terms and conditions set forth in that section whichever is higher. The superintendent of financial services shall prescribe by regulation the method or basis of computing any minimum rate of interest required by this section and any such minimum rate shall be a net rate over and above any service charge that may be imposed by any mortgage lending institution for maintaining an escrow account. Also when the loan was transferred from XXXX XXXX XXXX .RE ; DFS case number XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX as required by Real Estate Settlement Procedures Act ( RESPA ) 3500.17 ( f ) ( 2 ) of Regulation X Once mortgage payoff funds are posted, money held in escrow with your current lender will be returned to you from that lender. The existing escrow account can not be transferred unless your current lender is the same as your new lender, in which case your payoff will be reduced by your current escrow balance. I would at this time request the sum of {$54000.00} plus interest from XX/XX/XXXX XX/XX/XXXX to present be returned to me. I have tried with due diligence to resolve this matter however SPS has indicated my claim has been denied and that company policy superseded local jurisdiction.
Company Response:
State: NY
Zip: 14424
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My original lender and servicer was XXXX. Several years ago when the economy crashed and we lost income, we were unable to pay the property taxes. They are not escrowed in our contract. We pay them ourselves. XXXX was kind enough to pay them for us and we were instructed that money would be moved to the back of the loan. Its never come up or been an issue since, and we've even had other servicers take over the account since then. Several months ago, SPS took over the servicing. Now out of the blue they are saying we owe this money now and their " records '' don't indicate it was moved to the end of the loan. This is either an outright lie on their part or records were not transferred properly. I'm so ill with servicers taking over our mortgage and then claiming their own rules. I had an established agreement with XXXX and even the next servicer, XXXX XXXX XXXX, never had an issue with my original arrangement.
Company Response:
State: IA
Zip: 50310
Submitted Via: Web
Date Sent: 2018-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: As of XX/XX/XXXX XXXX [ XXXX ] on behalf of XXXX XXXX nominee and beneficiary as of or thereon XXXX XXXX, Select Portfolio Servicing IncXXXX on XX/XX/XXXX, and XXXX XXXX XXXX XXXX as of XX/XX/XXXX attemtpted to false report a mortgage on the customers property and names that of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. They have yet to provide any factual evidence of such debt and have shared this information with agencies companies and banks or such the like but not limited to government credit agencies and so on. We have requested information on multiple times to varify and validate with wet signatures, originator of said debt and such the like but have failed to do so for the past four years or less. This is another request in a form of legal letter [ s ] and forms which they must provide or admit to the following ; XXXX XXXX XXXX and XXXX XXXX XXXX never had a mortgage with XXXX XXXX NA [ XXXX ] Select Portfolio Servicing Inc. [ SPS ] nor with XXXXXXXX XXXX XXXX XXXX XXXX XXXX [ XXXX ]. Such was created out of identity theft forgery spilling over to the FDCPA and FCRA of said agencies but not limited thereto credit reporting agencies involved via CFPB. The customers have never had a mortgage with XXXX XXXX XXXX XXXX XXXX formerly known as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' nor with XXXX [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and beneficiary, nor XXXX and The Loan Servicing Center of [ S.P.S ]. Nor do the customers have a credit history with either bank agency or corporation and are impeding upon the Constitutional rights and such will be dealt with harshly by the law of the land. To ; The Administrators of said Officers within XXXX [ XXXX ] Select Portfolio Servicing Inc. XXXX XXXX and all those whom allege to a Mortgage loan Servicing and such the like not limited to employees. This letter is lawful notification to you, pursuant to The Bill of Rights of the National Constitution, the Supreme Law of the Land, in particular, the First, Fourth, Fifth, Sixth and Ninth Amendments, and the Hawaii State Constitution, in particular, Article 1, Sections 1, 2, 3, 4, 5, 6, 7, and 8, and pursuant to your limited delegated authority in your position as a public servant, specifically that of " Inspector '', and requires your written response to me specific to the subject matter. For the following Account # XXXX, XXXX and others alleged loan numbers with an alleged balance of {$460000.00} approximately for said property XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. PLEASE VARIFY AND VALIDATE INCLUDING BUT NOT LIMITED TO THE FOLLOWING ; BUT NOT LIMITED THERETO OTHER PRIVATE INFORMATION ; Please provide an original authenticated with signatures in color ink that matches signatures. Please provide an accounting [ not a statement ] of the alleged mortgage. Please proved an affidavit by employees whom alleged this to be a mortgage. Affidavit in support of the alleged debt by CEO, CFO, officer [ s ] within said agency or bank. A contract with both parties signatures thereon the documents as a proven agreement contract. This letter is lawful notification to you, pursuant to The Bill of Rights of the National Constitution, the Supreme Law of the Land, in particular, the First, Fourth, Fifth, Sixth and Ninth Amendments, and the Hawaii State Constitution, in particular, Article 1, Sections 1, 2, 3, 4, 5, 6, 7, and 8, and pursuant to your limited delegated authority in your position as a public servant, specifically that of " Inspector '', and requires your written response to me specific to the subject matter. Your failure to respond, within 30 days, as stipulated, and rebut, with particularity, everything in this letter with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this letter is true, correct, legal, lawful and binding upon you, in any court, anywhere in America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Notification of legal responsibility is " the first essential of due process of law. '' Also, see : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. " Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. '' You are bound as a public servant to uphold and support the Constitution of the United States of America and the Constitution of Hawaii, and pursuant to this binding, you are required to abide by the authority of said Constitutions in the performance of your official duties. You have no Constitutional or other valid authority to defy the Constitutions, to which you owe your LIMITED authority, delegated to you by and through the People, and to which you function as an " inspector for the State of Hawaii '' ; yet, by your actions against me, committed on XX/XX/XXXX, by which you, contrary to the Supreme Law : ( 1 ) Trespassed on my property and ( 2 ) where you unlawfully cited me, and in so doing, you breached the limited delegated authority of your position by violating my Constitutionally guaranteed Rights and all aspects of due process of law, in particular those rights secured in the Bill of Rights, including, but not limited to, my 1st, 4th, 5th, 6th, 7th, and 9th Amendment Rights and those rights guaranteed and protected in the Hawaii Constitution Bill of Rights. By your unlawful actions, you acted in sedition and insurrection against the Constitutions, both federal and state, and in treason against the People, in the instant case, me. You have no authority or power to enter my private property uninvited and make claims against me in direct violation of my Constitutionally guaranteed and unalienable rights. There is no authority in the Federal Constitution, whatsoever, for the existence of administrative agencies, in general, and specifically, for the agency for which you allegedly work. Neither the Federal Constitution nor the Hawaii Constitution, authorize any agency or agents thereof, as are you, to convert the unlimited, unalienable Rights, guaranteed to the Citizens of this Nation and this State, in the instant case, me, into privileges, which are then regulated or taxed, as agencies of government are unlawfully doing in most states or to impose punitive actions upon Citizens, such as me, for simply exercising our Rights to freely enjoy our right to life, liberty, and the pursuit of happiness on our own property! As you well know, I displayed no errant behavior and harmed no one by my actions ; yet, you made an unwarranted, unlawful assumptions or presumptions, not based on any facts, laws or evidence, that I have mortgage loan with your company, as such recorded a mortgage assignment on XX/XX/XXXX and have attempted to file this similar information with other government agencies local and such the like. Through this entire process you have unlawfully refused to verify and provide proof of wet signatures, in real color ink, not copies of forgeries, through the presentation of your authority over my property and land, and that you were or are lawfully holding the position you claimed and were abiding under the limited delegated authority, you have attempted to take my property or fine me without due process of law. As such you stated that you are a 3rd party debt collector on the behalf of XXXX XXXX whom alleges to be the nominee and beneficiary with not documents from their officers. Please provide this also herein this matter. You had no authority to make assumptions or presumptions about me or to issue me a " notice of violation '', as I was exercising my lawful right to be secure in my property and to pursue happiness as I so choose on my own property. Further, no Citizen-party made a sworn complaint against me alleging damages caused by my alleged actions, thus, you had no probable cause for your actions upon me, as you did. All of the charges against me are fraudulent, bogus, without substance, not based in truth, fact, law, and evidence, and not supported by the superseding Supreme Law of this Land, namely, the Constitution of the United States of America. Pursuant to XXXX v. XXXX, ( XXXX ), all laws repugnant to the Constitution are null and void. Your charges and your actions are repugnant to the Constitutions, thus, are without the weight of law and without valid authority. Anytime public servants violate Rights guaranteed to Citizens in the Constitutions, they act outside the scope of their limited delegated duties and authority, thus, by their own actions, invoke the self-executing Sections 3 and 4 of the 14th Amendment ; thereby vacate their offices and forfeit all benefits thereof, including salaries and pensions, as you did. You are accountable and liable to the People for your unconstitutional actions and failures, and the People have the authority to hold you fully responsible and liable for your unlawful actions, which I fully intend to do. You are required to have certified proof as to your position and authority as a public servant and bonds to guarantee your faithful performance of your duties, pursuant to thereto, as the law requires. I respectfully demand that you send me a certified copy of this certification and copies of all bonds you are required to obtain according to law. By your stepping outside of your delegated authority you lost any " perceived immunity '' of your office and you can be sued for your wrongdoing against me, personally, privately, individually and in your professional capacity, as can all those in your jurisdiction, including your supervisors and anyone having oversight responsibility for you, including any judges or prosecuting attorneys and public officers for that jurisdiction, if, once they are notified of your wrongdoing, they fail to take lawful actions to correct it, pursuant to their obligations, and/or oaths and their duties, thereto. If you and your company fail to act and correct the matter, then, you condone, aid and abet your [ criminal ] actions herein this matter be it in court and such the like, and further, collude and conspire to deprive claimants XXXX XXXX XXXX & XXXX XXXX XXXX and other Citizens of their Rights guaranteed in the Constitutions, as a custom, practice, policy and usual business operation of their office and the jurisdiction for which they work. This constitutes treason by the entire jurisdiction against claimants, and based upon the actions taken and what exists on the public record, it is impossible for any public servant to defend himself against treason committed. Be assured that I will claim and protect my Constitutionally guaranteed Rights which you and this entire jurisdiction have unlawfully, and without Constitutional authority, denied. If you disagree with anything in this letter, then rebut that with which you disagree, in writing, with particularity, to claimants administrates and or IN PRO PER, within 30 days of this letters date, and support your disagreement with evidence, fact and valid Law. Your failure to respond, as stipulated, is your agreement with and admission to the fact that everything in this letter is true, correct, legal, lawful, and is your irrevocable agreement attesting to this, fully binding upon you, in any court in America, without your protest or objection or that of those who represent you. Claimants XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have no mortgage with the alleged mortgage companies, nor have given any consent thereto any contract thereto this matter. They in such dispute all allegations herein this matter not limited thereto other hidden information and such the like. Claimant of this complaint and matter has provided factual evidence of a payoff but lack the information of the warranty deed from XXXX Mortgage rather has provided the payoff documents on about XX/XX/XXXX. NOTICE OF CLAIM DISPUTE NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT APPLICABLE TO ALL SUCCESSORS AND ASSIGNS *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ THIS IS ALSO A NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO THIS PRESUMPTIVE LETTER OF VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq. This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt. This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the required documents herein this matter. All Rights Reserved, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information was sent thereto attorneys representing said agencies involved and have until XX/XX/XXXX to respond. This case is not currently in litigation nor has it been filed or added thereto the current litigation which was filed by XXXX [ XXXX ] Select Portfolio Servicing Inc XXXX XXXX and XXXX XXXX XXXX XXXX but a new case is underway if not added thereto the current case by the Federal Courts within the next 30 days or until XX/XX/XXXX. Such notifications have been mailed thereto respective banks and agencies as of XX/XX/XXXX. Notice this case will be filed as a FDRPA FCRA and not limited thereto RESPA TILA and so forth.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Loan No. XXXX, account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX In my initial contact with Select Portfolio Service Inc, I request to Select Portfolio Service to validate their claim of debt owed by XXXX XXXX, after countless threatening letters which includes notice of default and right to cure from Select Portfolio Service Inc, they stated " that they were the holder of said promissory note and it was available for my inspection in the State of Utah ''. As a Servicer/Intermediary between XXXX XXXX banking institution and XXXX XXXX, I gave specific instruction on where to redeem said note with allonge attached to the appropriate obligor. I have fully acknowledged said Warranty Deed which is required by law as well. I XXXX XXXX have exhausted all legal and lawful remedies in trying to satisfy my obligation with said mortgage company, and to make matter worse the mortgage value is not reflecting the state property value in any way. Thanks you for your attention to this argent matter XXXX XXXX
Company Response:
State: MI
Zip: 48235
Submitted Via: Web
Date Sent: 2018-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XXXX XXXX XXXX XXXX ( XXXX ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275. These laws require a mortgagee ( XXXX ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. XXXX has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, XXXX states, The loan was sold and transferred to SPS effective XX/XX/XXXX. SPS states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and SPS is the mortgage servicer. If the loan was sold, as XXXX states and SPS confirms, XXXX is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XXXX, XXXX and XXXX. If the erroneous mortgages were transferred/assigned to SPS, as XXXX also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by XXXX to SPS, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both XXXX and SPS remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since XXXX has sold and transferred the aforementioned mortgages without adhering to established law.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I made 2 payments towards my principle and interest of XXXX the total payment was XXXX I was advised on a recorded line that once the 2 principle and interest payments have been applied I will be due for XX/XX/XXXX and XX/XX/XXXX payment. I received a letter of default onXX/XX/XXXX advising I was due for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payment. I called in the evening of XX/XX/XXXX as soon as I received the default and representative advised he sent in a request to have this corrected. I call in on XX/XX/XXXX and was advised by a manager this will not happen when I spoke with manager day before and was advised this would be corrected. If you go back and calculate the p & i payments that I have made since XXXX my loan should only be due for P & I for XXXX. Which that makes me have a shortage in my escrow account which I will make a lump sum payment in XXXX to bring current. I was advised by the representatives from select servicing portfolio to make p & i payments to bring mortgage current and that's what has been happening only to find out today that ever person I have spoken to since XXXX per the manager has been incorrect.
Company Response:
State: TX
Zip: 75159
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We have been trying to work a short sale with SPS. They initially did an external value which didn't show the foundation that is collapsing. We submitted a value dispute and received a letter dated XX/XX/XXXX stating they agree with our value dispute {$22000.00}. SPS took so long to complete the decision process so that we lost the buyer. Based on their letter that they would take {$22000.00} we relisted the home to get them the required NET they require if the value was {$22000.00}. This put us at a purchase price of {$23000.00}. SPS has held the file for MONTHS again and finally decided they are countering to {$27000.00} stating our value dispute was denied in XXXX. How was it denied when it was already approved? They did a new DRIVE BY valuation - so they can not see the damages of the home. I have requested that the file be sent back to the investor for final decision - we don't have another 30 days to waste on SPS holding the file due to their inefficient processes.
Company Response:
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I contacted select portfolio, explained that a repayment arraignment would not work I needed a modification. I was told additional documents were needed. I received a request in writing of the documents with a date needed by. Prior to this date I receive another repayment plan. When I called and told the customer service agent what happen they said thats all I was getting, I explained all documents that were requested had not been submitted I was told " not neededI already have what they are offering ''. Please help
Company Response:
State: MA
Zip: 016XX
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I applied for and was offered a mortgage modification by my second mortgage servicer, Select Portfolio Servicing Inc ( SPS ). After over 4 months of jumping through their hoops with paperwork, I received an offer for a " JPM Trial Modification ''. the letter states " Congratulations! You are qualified for and we are pleased to offer you a JPM Trial Modification. This program is intended to help you avoid foreclosure or other legal action ... .. '' This part of the letter would make someone hopeful, excited that they are finally being granted some help and relief. As if SPS is doing me a favor. HOWEVER, this is very misleading and devious. Upon further review of the offer, I understood that SPS was proposing terms that would keep my interest rate the same ( 5 % ), add more money onto the principal of my loan, and increase the time I would have to pay on the loan over 20 years longer! Only to decrease my payment by {$40.00}! The modification they have proposed would make them almost {$50000.00} MORE over the life of this loan ( on a loan that began at {$32000.00} I would have paid well over {$100000.00} for ), which is certainly no help to me. Although I know no one in their right mind would accept such an absurd offer, I realize they are preying on people who are experiencing hardship and desperate to reduce their payment. People may be so desperate to reduce their payments to keep their home, they might actually agree to these terms. This is predatory and unethical in my opinion. People may or may not realize what is being proposed and actually sign up out of desperation to reduce their payment. I have had 2 previous mortgage modifications ( with my first mortgage that XXXX XXXX ) and they have never proposed and insulting offer such as this. Their offers included a lowered interest rate, thus a lower payment. They worked with me to reduce my obligation with more reasonable terms and interest rate that reflects the present day interest rates and loans. I have tried to speak with SPS multiple times about this offer and the terms and their answer is " take it or leave it ''. They are not willing to offer more reasonable terms that doesn't simply make them more money. One representative I spoke to blatantly lied and said what's written in my letter will not be there terms, and I need to just pay the 3 trial period payments of {$190.00} to even find out what the terms would be! THEY ARE LYING. I was also told that I could file an appeal based on my issue with the offer. I explained to the representative that I believed appeals were only if the information used to determine the offer was believed to be incorrect. She stated that was not the case and I could file an appeal on the grounds that I did not believe the offer was reasonable. They recently sent me an appeal denial because my " request did not provide any detail in regards to any specific error identified in the decision ''. Between their bogus offer to reduce my payment {$40.00} by adding 24 years to my loan, their signature page included in the offer if I'd rather a short sale, and their representatives that either blatantly lie or offer no help at all, it is apparent that this company is not at all willing to help me avoid foreclosure and bring my account current. It is further infuriating to read in every correspondence with me that they " are committed to home retention and offers many assistance options designed for customers who are experiences temporary or permanent hardship. '' That is abundantly misleading as they are doing nothing of the sort for me. This unethical company seems to think I'm a total XXXX, possibly because there are other people that are actually accepting these types of offers from SPS. These predators must be stopped. Since they aren't taking me seriously when I call, and they aren't willing to make a reasonable offer, I feel I have nowhere to turn to avoid losing my home.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, New York XXXX Loan # XXXX I would like to file a complaint against Select Portfolio Servicing , Inc . I have been requesting assistance for my property. I have submitted numerous applications, and I have been denied. There are several programs that Select Portfolio Servicing , Inc. should have made available for my property as the HAM Program, The DOJ Settlement, The reduction of principal and late payments, however none was provided to me. My last submission was on XX/XX/XXXX. Select Portfolio Servicing, Inc. sent a letter dated XX/XX/XXXX with a repayment plan of {$6500.00}. The {$6500.00} monthly payment is excessively high, and is not feasible. It will only make me go back into default with this excessive monthly payment. Please help me keep my home. I would like to keep my home. I would like to be considered for a reduction of principal and interest, as it would make my monthly payments more affordable. Thanking you in advance, XXXX XXXX XXXX
Company Response:
State: NY
Zip: 11369
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A