Date Received: 2018-03-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently sold my home on XX/XX/XXXX. Select Portfolio Servicing was the company that serviced my first mortgage. I changed my address back in XX/XX/XXXX/XX/XX/XXXX as I was a victim of identify theft. Since closing, I have tried unsuccessfully to obtain pertinent documents, refunds due to me. The documents /monies due to me include : refund of any outstanding monies, ( they are saying they received a different amount than what my settlement statement states which affects my refund. Additionally I have yet to receive my XXXX year end mortgage interest statement. The mortgage interest statement should've been mailed out by XX/XX/XXXX. I have attached docs to support that they have the correct address and have had it since early XX/XX/XXXX. Why haven't I received the pertinent documents due to me. Since my information has been removed from the system, I can only rely on the customer service agents, managers who are non-receptive to assisting me. I have heard nothing but excuses. I am requesting a full accounting of my account that includes and corroborates my settlement statement and emailed to me immediately along with my XX/XX/XXXX XXXX mortgage interest statement. Additionally I am requesting the correct refund check.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: XX/XX/XXXX SPS VIOLATION OF FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692 -1692 Section 808 ( a ) AFTER FAILING TO VALIDATE DEBT FORECLOSURE CASE # XXXX XXXX XXXX FLORIDA This complaint is to request for Sanctions against SELECT PORTFOLIO FOR SERVICNG INCs violation and malicios activities for refusing to comply with NOTICE TO CEASE COMMUNITATION, and stop enforce security interest after failing to validate a Disputed Debt, owned by a purported TRUST called XXXX XXXX XXXX XXXX, opening a third ( 3 ) Foreclosure action at XXXX XXXX Florida ( case # XXXX ) to defraud complainant. Since XX/XX/XXXX Select Portfolio Servicing willfully failed to disclose Notice of Verification Debt request. On XX/XX/XXXX Select Portfolio Servicing was served with NOTICE TO CEASE COMMUNITATION and refrain to collect and enforce security interest, under Fair Debt Collection Practices Act 15 U.S.C. 1692-1692 Section 808 ( a ), though Consumer Protection Financial Bureau ( CPFB ). SPS shall refrain to collect and enforce security interest, under Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), Unfair practices there is no present right to possession of the property claimed as collateral through an enforceable security interest In violation Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), after NOTICE TO CEASE COMMUNITATION, Select Portfolio Servicing ( SPS ) open a third ( 3 ) legalAction of Foreclosure case # # XXXX in the state of Florida to defraud and mislead homeowner and Justice claiming false interest on a debt, it can not validate. Select Portfolio Servicing as supposed Power Attorney of XXXX XXXX XXXX XXXX, AS TRUSTTE opened a lawsuit of foreclosure. The allegations set forth in the Plaintiffs complaint state that XXXX XXXX XXXX, is the Mortgage. The Mortgage attachemd to the complaint as an exhibit identifies XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX as the Mortgagee, as nominee for XXXX XXXX XXXX XXXX Select Portfolio Servicing the movant of Lawsuit on behalf of the purported TRUST XXXX XXXX XXXX XXXX, falsely claimed it is the Note Holder to mislead justice. More over, Select Portfolio Servicing have failed to disclose correct copies of the note and all allonges, endorsements, transfers, or assignments of the Promissory Note, it falsely claimed to have ownership. Select Portfolio Servicing commited not just violation of Fair Debt Collection Practices Act. 15 U.S.C. 1692-1692 Section 808 ( a ), but FRAUD AND EXTORTION to defraud homeowner. We ask Consumer Finanacial Protection Beureaus action to refer Select Portfolio Servicings criminal activities to proper venue for Sanctions and order to withdraw all malicious prosection of foreclosure to steal XXXX XXXX property. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with The XXXX XXXX XXXX XXXX XXXX XXXX in its capacity as a Housing and Urban Development ( HUD ) approved housing counseling agency to assist us to resolve a servicing error that was committed by Select Portfolio Servicing ( SPS ). SPS 's failure to timely respond to a demand statement request from Keep Your Home California ( KYHC ), caused us to be denied the {$10000.00} under the KYHC Principal Reduction Program. We were relying on this KYHC benefit in order to reinstate the loan. In order to prevent foreclosure, we applied for and were approved for the KYHC Principal Reduction Program. This approval was completed on or about XX/XX/XXXX. On or about XXXX XXXX XXXX, KYHC submitted a notice of approval to SPS. The KYHC request was submitted to the SPS Escalated Customer Service Department to request a demand statement, which would confirm the total amount to reinstate the loan. This request was submitted directly to XXXX XXXX, who has confirmed that he was responsible for processing this request. As you know, the Real Estate Settlement Procedures Act, states that " servicers must provide an accurate payoff balance to a consumer no later than 7 business days after receipt of a written request from the consumer for that information. However, after XXXX XXXX SPS failed to respond to multiple KYHC request dated XXXX XXXX and XX/XX/XXXX. This delay in over 30 days to provide a reinstatement quote was a clear violation of RESPA guidelines. In addition, I was refused in a form of a letter by SPS, to provide me with a written reinstatement amount. On or about XX/XX/XXXX, SPS finally issued a reinstatement quote, which was good through XX/XX/XXXX. The total figure provided to reinstate the loan was {$100000.00}. This amount exceeded the KYHC guidelines by {$4700.00}. In an attempt to resolve this issue, we contacted SPS Home Retention Department. I spoke with XXXX XXXX, who was the assigned SPOC. XXXX XXXX stated that we could remit {$4700.00}, as a onetime irregular lump sum payment. Once applied to the loan, the amount due to reinstate the loan would be lowered to meet the KYHC XXXX program guidelines. This then would allow us to continue with the KYHC program. XXXX XXXX agreed to accept the funds and apply the funds to our loan. During this taped telephone conversation, XXXX XXXX obtained permission from his supervisor to complete the transaction. I agreed to remit the funds the next day. Please note here that XXXX XXXX wand the department he works in were assigned by SPS to serve as our Single Point of Contact in accordance with RESPA, ( " the single point of contact shall remain assigned to the borrower 's account until the mortgage servicer determines that all loss mitigation options offered by, or through, the mortgage servicer have been exhausted or the borrower 's account becomes current. '' California Civil Code 2923. ( 7 ). However, each member of the team must be " knowledgeable about the borrower 's situation and current sttus in the alternatives to the foreclosure process ''. California Civil Code 2923. ( 7 ). This guideline was in part created to avoid possible miscommunication between the borrower and the lender. On XXXX XXXX, I wired SPS funds in the amount of {$4700.00}. ( Attached ). On the same day I spoke with SPS and confirmed where the funds could be wired and subsequently were received. In addition, that XXXX XXXX had noted the agreement in the loan servicing notes on our loan. From XX/XX/XXXX, through XXXX XXXX, I spoke with multiple representatives at SPS in an attempt to have SPS issue an updated reinstatement quote in order to submit this updated amount to the KYHC program, before the KYHC application would be closed. Regrettably, although the funds were confirmed received, held and applied to the loan, SPS refused to issue an updated reinstatement quote as was previously agreed. On XX/XX/XXXX, I spoke with a XXXX XXXX, a representative of SPS Escalated Customer Service Department. XXXX XXXX confirmed that she did in fact see the the agreement was noted to our loan, and that the funds were received and applied to the loan. I again requested that an updated reinstatement quote be issued to KYHC to allow me to qualify for the program and save my home. Although XXXX XXXX agreed with me that I fulfilled my obligation under that agreement, Ms.Pierro failed to issue an updated reinstatement quote. Please note that under the XXXX XXXX XXXX XXXX ( CFPB ) Mortgage Servicer Guide, because the {$4700.00} payment was agreed to under a loss mitigation option, and the borrower submitted payment sufficient to cover principal, interest and escrow for a given billing cycle, under the modified loan contract, the servicer should have treated the payment as a periodic payment and not as a partial payment. As such, our payment should have been applied to my account within 5 days of receipt. Yet, by XXXX XXXX, the funds had been held for ten ( 10 ) days and therefore were beyond the five day threshold. At this point, SPS was obligated by RESPA to apply these funds, and reissue the reinstatement quote with the lower amount. The failure of SPS to follow this guideline is another violation of the RESPA guidline. Again, even if the funds were applied to suspense any updated reinstatement figure should have included the remitted payment held in suspense. Again, please note that we had been approved by KYHC and once the clients assigned SPOC agreed to accept the payment, this obligated the servicer to KYHC loss mitigation process. FInally, on XX/XX/XXXX, my HUD Foreclosure Counselor and I spoke with SPS 's XXXX XXXX, the supervisor of the Escalated Customer Service Department. During this conversation, XXXX XXXX explained the situation to XXXX XXXX. He advised him of the agreement that was reached and executed. He also confirmed with XXXX XXXX that SPS SPOC supervisor approved the payment to lower the total amount due to bring the loan current. XXXX XXXX confirmed the accuracy of the agrement ntoed and confirmed that our funds were still being held by SPS. XXXX XXXX also stated that his department handles the KYHC processing. My counselor asked XXXX XXXX to comply with RESPA guidelines and fulfill SPS 's obligation to issue an updated reinstatement quote, which included the payment which SPS had already received. Although XXXX XXXX acknowledged the error, and all of the underlying facts, he refused to make the needed correction and comply with the law. Morever, XXXX XXXX then stated that he had a new updated reinstatement figure of {$110000.00}. XXXX XXXX refused to provide a breakdown of this amount or an explanation of what it included. He refused to include the payment that was being held by SPS towards the reinstatement figure. When XXXX XXXX was advised by the Counselor, that if he did not make the correction, the Counselor would have no choice but to reach out to a governing agency regarding the issue, XXXX XXXX was dismissive and unconcerned. When the Counselor asked XXXX XXXX about other contact information, he refused to provide any additional information. In conclusion, SPS acted incompetently in the servicing of our loan. Further more, once SPS became aware of the servicing issue and acknowledged its error, SPS again failed to fulfill their own proosed resolution. SPS also failed to adhere to RESPS guidelines, apply funds to our loan, and follow the single point of contact negotiation process. Issue # 1- LetteXXXX issued by Select Portfolio Servicing stated they would not provide me with the payoff information requested.. Letter dated XX/XX/XXXX Violation of RESPA guidelines. The requirements set forth in 12 CFR 1024.36 Issue # 2 According to RESPA a person should serve as the Single Point of Contact in accordance with RESPA ( t ) the single point of contact shall remain assigned to the borrowers account until the mortgage servicer determines that all loss mitigation options offered by, or through, the mortgage servicer have been exhausted or the borrowers account becomes current. California Civil Code Ss 2923.7 ( c ). However, each member of the team must be knowledgeable about the borrowers situation and current status in the alternatives to the foreclosure process. California Civil Code Ss 2923.7 ( e ). This guideline was in part created to avoid possible miscommunication between the borrower and the lender.. Issue # 3 Under the Consumer Financial Protection Bureau ( CFPB ) Mortgage Servicer Guide, the {$4700.00} payment as was agreed to under a loss mitigation option, and we submitted a payment sufficient to cover principal, interest and escrow ( if applicable ) for a given billing cycle, under the modified loan contract, the servicer should have treated the payment as a periodic payment and not as a partial payment. As such, the payment should have been applied to the account within 5 days of receipt. However, by XX/XX/XXXX, the funds had been held for ten ( 10 ) days and therefore were beyond the five day threshold. At this point, SPS was obligated by RESPA to apply these funds, and reissue the reinstatement quote with the lower amount. The failure of SPS to follow this guideline is another violation of the RESPA guideline. Again even if the funds were applied to suspense any update reinstatement figure should have included the remitted payment held in suspense. KYHC submitted a letter to us stating SPS would not accept the program.
Company Response:
State: CA
Zip: 92708
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complaint is an effort to memorialize the fact XXXX XXXX XXXX continues to fail to comply with the Real Estate Settlement Procedures Act ( RESPA ) as stated in Title 12 United States Code, Chapter 27. XX/XX/XXXX Select Portfolio Servicing Inc. XXXX XXXX XXXX XXXX XXXX XXXX Utah, XXXX Fax XXXX XXXX : Notice of Error or Information Request or Qualified Written Request Please be advised that I am in receipt of your correspondence dated XX/XX/XXXX entitled Assistance Review Application. After further review, investigation and due diligence, I continue to challenge that account number XXXX, which your agency purportedly legally services, is valid and enforceable. As such, I contend your company, or any other entity that claims security interest with regards to account number XXXX as invalid. I recommend you and your associates closely review your quality control procedures, which ensures compliance with relevant underwriting guidelines, servicing regulations and applicable laws. I have repeatedly attempted to request information regarding this account, which has only been met with non-compliance, insufficiency, vagueness, and misrepresentation and unconscionable deceit. Therefore, I have little interest in any work-outs regarding this account until such time it can be proven to me that the alleged obligations you claim are legal and enforceable. Therefore, at this time, I rescind all verbal and written offers to cure this alleged obligation. I fully dispute the validity of the alleged debt, ( current and future ), regarding account number XXXX, as claimed by XXXX XXXX XXXX XXXX XXXX. and any associates. I again request the following : 1- Copies of ALL endorsements, recordings, allonges or other indicia of all transfers since note were signed. Specifically, with regards to XXXX XXXX XXXX, per notification on XX/XX/XXXX and XXXX Revolving Trust XXXX by XXXX XXXX XXXX XXXX, XXXX, per notification on XX/XX/XXXX ; 2- Copies of ALL documents pertaining to the origination of alleged mortgage including my parents loan application, Right to Cancel, Deed, Truth in Lending statements, Good Faith Estimate ( GFE ), HUD 1, appraisal including comparable properties, which were used to arrive at the value for the above loan, and all required disclosures. These copies should be legible and all documents shall be copied in their entirety ; 3- Copy of any Broker Price Opinion ( BPO ) conducted in the last 12 months ; 4- A copy of any Pooling and Servicing Agreements and trust agreements associated with account number XXXX or above transactions/notifications as listed in number 1 above ; 5- The address of XXXX Revolving Trust XXXX or account owner, if different ; 6- The address and legal description of alleged mortgaged security interest ( property ) associated with account # XXXX ; 7- A copy of the loan history for last 12 months including pay-off, the current interest rate on the loan, all payments made, all fees incurred to date, what has been paid out of the escrow account and how payments were applied ; 8- If account number XXXX is registered with MERS, provide its MIN number. I understand that under Real Estate Settlement Procedures Act ( RESPA ) as stated in Title 12 United States Code, Chapter 27, you are required to acknowledge my request within 5 business days and must respond or try to resolve the issue within 30 business days, unless you notify me of the reasons for the delay before the expiration of the 30 business days, in that case you are allowed an additional 15 business days.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX To : SELECT PORTFOLIO SERVICING, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Ref. : SPS # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Fl XXXX This complaint is to request SELECT PORTFOLIO SERVICING INC disclose Loan Mortgage information fromXX/XX/XXXX to XX/XX/XXXX, Mortgage Note owned by XXXX XXXX, and signed by XXXX XXXX on XX/XX/XXXX. I, REQUESTS TO PROVIDE COPY OF THE DOCUMENTS AND INFORMATION : 1. All documents in SPS possession or available to XXXX XXXX AS TRUSTEE that establish that the XXXX XXXX AS TRUSTEE is the legal, beneficialor equitable owner of the alleged loan agreement and Mortgage that is the subject of this proceeding Case No. : XXXX at XXXX County Florida. 2. All documents which support XXXX XXXX AS TRUSTEEs claim that theycurrently own the alleged loan agreement and Mortgage including without limitation documents pertaining to all transfers, assignments, mergers, purchase and sale agreements, endorsements or other documents that demonstrate Plaintiff has standing to bring this claim at the time itwas filed. 3. Copies of any and all documents which create or demonstrate the existence of a nominee or agency relationship by, between, or otherwise relating to XXXX XXXX AS TRUSTEEand XXXX XXXXand which supports plaintiffs allegation that it has standing to bring this Complaint in Foreclosure. 4. The original Mortgage and Note involved in this action which shall be made available for inspection and copying at a mutually convenient time and location. 5. All documents pertaining to the securitisation of the subject alleged loan agreement and mortgage. 6. All documents that show the present physical location of the original alleged loanagreement and mortgage documents claimed to be owned by the Plaintiff. 7. All documents setting forth the name, address, and telephone number of the physical custodian of the original alleged loan agreement and Mortgage document claimed to beowned by the Plaintiff. 8. All documents setting forth the assignment of either thealleged loan agreement or mortgage document which are claimed to be owned by XXXX XXXX AS TRUSTEE, to any particularSpecial Purpose Vehicle ( SPV ), Specialized Investment Vehicle ( SIV ), CollateralizedMortgage Obligation ( CMO ), Collateralized Debt Obligation ( CDO ), series of residential mortgage-backed securities or certificates ( RMBS ), collateral default swap ( CDS ), Trust, or the like used in the securitization process. 9. All documents setting forth the full name, current address, and telephone number of each holder of or investor in any SPV, SIV, CMO, CDO, RMBS, or CDS which is collateralized in whole or in part by theDefendants alleged loan agreement and mortgage documents or any right incident thereto or thereunder. 10. All documents that identify the full name, currentaddress, and telephone number of allpersons who authorized the filing of this proceeding against XXXX XXXX and his property. 11. All accounting records of the alleged loan in accordance with XXXX Accounting Standards and Generally Accepted Accounting Principles. 12. All accounting records that show how the alleged liability arose. 13. All documents evidencing all payments made by the Defendants or any third party on or toward the Defendants alleged loan obligations at any time. 14. All documents setting forth any credits applied against any balance due on the Defendants alleged loan at any time, including amount of credit, date credit applied, source of credit, and obligation to which credit was applied ( e.g. principal, interest, latefees, etc. ) 15. All documents setting forth the disposition of all payments made by the Defendants or any third party in connection with the Defendantsalleged loan, including but not limited to documentation setting forth amounts assigned to or credited againstprincipal, interest, insurance premiums or payments, tax deductions or payments, late fees, or any other charges. 16. All documents demonstrating any funding of any of the Defendants alleged loan agreement and mortgage the subject of this action by any security. 17. All documents concerning any consideration exchanged between any persons or partiesin connection with the assignment or sale of any part of, or right under, or rightincident to the Defendants alleged loan agreement andmortgage ( e.g. assignment or sale of mortgage, assignment or sale of anote, assignment or sale of servicing rights, assignment or sale of right to income stream from borrower payments, assignment to amortgage pool, assignment to any SPV, SIV, CMO, CDO, RMBS, or CDS, [ asdefinedherein infra ], and the like ). 18. All policies of insurance, including but not limited to mortgage insurance, insurance in favour of any trustee or loan trust, swap policies, master and bulk supplementalpolicies, mortgagee title policies, or any other insurance which provides benefits toeither the Plaintiff or any party in privity with the Plaintiff or any original lender orsuccessor thereto or securitised trust upon default by the borrower in connection with the Defendantsalleged loan agreement and Mortgage. 19. All documents setting forth any servicing agreement between XXXX XXXX AS TRUSTEE and any entity with reference to the alleged loan agreement and mortgage of the Defendants. 20. All Pooling and Service Agreements, Custodial Agreements, Deposit Agreements, Master Purchasing Agreements, Issuer Agreements, Commitment to Guarantee Agreements, Release of Document Agreements, Master Agreements for ServicersPrincipal and Interest Custodial Account, Servicers Escrow Custodial Account Agreements, Release of Interest Agreements, Trustee Agreements, or the like relating to the alleged loan agreement and Mortgage of the Defendants. 21. All documents setting forth the entire chain of title to the alleged loan agreement and mortgage instruments of the Defendants from origination to the present. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently refinanced my mortgage with a new lender on XX/XX/XXXX, and my previous lender SPS , Inc. was paid in full on XX/XX/XXXX. My current city and county taxes were paid by my new lender, and a double payment was made by Select Portfolio Servicing , Inc.. It has been over 90 days for Select Portfolio Servicing , Inc to resolve this issue. I filed a dispute with Select Portfolio Servicing , Inc, and I was sent a letter stating the loan was paid in full and they could do nothing. I received this letter from XXXX XXXX in the Consumer Ombudsman Department at Select Portfolio Servicing , Inc. stating this issue was resolved. I had to contact the tax office for my escrow refund, but they are holding the funds as they can not send them to me directly. XXXX XXXX at Select Portfolio Servicing , Inc. has refused to contact me or the tax department to resolve this issue. I have repeatedly requested a phone call to explain my issue, and could most likely be resolved with a phone call by Select Portfolio Servicing.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Back in XX/XX/XXXX I responded to a mailer from a Company called XXXX XXXX XXXX XXXX, for help with re-modification on our home. I called the following day spoke with a gentleman named XXXX XXXX, we had a conference call with XXXXXXXX XXXX who is the holder of my mortgage, everything seemed great they sent me papers to fill out we sent them copies of a financial work sheet, prior XXXX tax forms and four weeks of our pays stubs. Finally after about two weeks went by I got a phone call to say we were approved for the modification but we had to make four payments of {$970.00} by the first of every month until XX/XX/XXXX then you will get you final payment. Well we made all of our payments to them. There address were the checks went to was as follows. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone number which no longer works XXXX XXXX Ext XXXX We are out {$3900.00} now and can't recover this loss.
Company Response:
State: FL
Zip: 34684
Submitted Via: Web
Date Sent: 2018-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have submitted Prior Complaints, and recently Withdrawn my Complaints against Select Portfolio Servicing Inc., however, I just received a letter dated XX/XX/XXXX, Stating " SPS Previously Received Your Request For Loss Mitigation Assistance, But We Now Consider The Assistance Request Withdrawn. We are not Considering Your Request for Assistance at this time Because : After initially asking to be considered for Assistance, you Withdrew That Request on XX/XX/XXXX. I have never, ever made any Request to/of SPS Inc, except for them to Stop Calling Me, Stop Writing me, and Stop any/all Contact with me, concerning the Property that they Purchased from XXXX XXXX XXXX, ( SPS Inc Account Reference # XXXX ), Property Address : XXXX XXXX XXXX, XXXX, Georgia XXXX. That Property was Abandoned/Turned in/Over To the XXXX XXXX XXXX, Appraiser on XX/XX/XXXX, after an on-site Joint Physical Appraisal was completed, and according to Internal Revenue Service Publication 4681, the turning over and acceptance of a Property, Any Property is Considered A Sale or Transfer, and I am under Bankruptcy Protection. Therefore, since the prior Mortgage Company ( XXXX ) took Possession of the Property, and Issued an Abandonment Form XXXX, which SPS Inc., is well aware of and has been issued a Copy, and I have no Personal Libability for that Property, SPS Inc., has no business contacting me. SPS Inc, Claims to have purchased the XXXX XXXX XXXX, XXXX, Georgia XXXX, Property, yet the Official Muscogee County Georgia Tax Commissioner 's Office, and the Muscogee County Georgia Superior Court Clerk Records show nor record of any any Property Transfer/Deed Recording? That Property is still listed with XXXX XXXX as the Lien Holder? SPS Inc., States that Property was purchased by a XXXX, DE Company in XX/XX/XXXX, yet this is XX/XX/XXXX, and no official records show this to be true. So now, SPS Inc., needs to produce some evidence of a request from me in writing for Loss Mitigation, which does not exist, or state that they have lied for the record.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2018-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My wife, XXXX XXXX was unable to work as of XX/XX/XXXX as she was declared XXXX by Social Security and received an award letter. In XX/XX/XXXX we contacted our mortgage company to apply for mortgage assistance which the mortgage company played games having us fax and re-fax bank statements, proof of income and my wifes award letter from Social Security. We were asked to keep resend this information for least three months. After the third month we received a letter of denial for any assistance from our mortgage company. At that time we chose to sell off some of our possessions and ask our family members to help us save our home, but we continued to pay our mortgage. In XX/XX/XXXX we received a letter from our mortgage company saying that we our mortgage was going up because our county taxes went up and for two years we failed to pay escrow. This was a fairly new mortgage company as our mortgage was sold in XXXX and we never had a problem with the old company. We checked and our state and county taxes are the same. In fact the new mortgage company sent us a check for escrow over payment. Now when I send the monthly payment it says payment for unapplied finds, mortgage went from XXXX to XXXX a difference of over XXXX without any REAL reason.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21040
Submitted Via: Web
Date Sent: 2018-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Please check all the information the attachment
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A