Date Received: 2017-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My wife and I filed a application for mortgage modification XXXX 2017. I was a sent a letter requesting documentation ( please see attached ) I sent the requested information and was informed by Select Portfolio Servicing that no foreclosure proceeding would take place during the modification process. Approximately 2 weeks later we received a Act 91 notice of default and foreclosure. We have provided all the documentation requested as told to me. I have spoken with numerous people and each person request different information in different formats. One person recently informed me she did not know what a COLA ( cost of living increase adjustment ) from Social Security. I am fully XXXX and live on a fixed income, my wife works and her aunt resides with us and pays us monthly rental income. We have every intention of remaining in our home and have no where else to go, our credit is poor and renting will cost us more than our mortgage each month. I feel that SPS is stalling in order to foreclose and take our property. We have fallen behind on our mortgage due to numerous circumstances primarily my XXXX and inability to work fulltime. I have since obtained XXXX and combined with my wife 's income can now manage our mortgage payments but need the arrearages modified over time. Please help me in getting this resolved.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am filing this complaint as I feel my property is being foreclose on illegally. I have had this loan since XXXX and have maintained my payments since I obtained it. In XXXX after the mortgage crisis my loan got sold to a servicer which did not contact me for 6 months to let me know they were servicing it and for me to be able to make my payments. The lender I had before went out of business and they sent me a letter to let me know, and that they would be contacting me to advise where my payments could be made. I did not receive any other correspondence for 6 months until the new servicer contacted me for payment to let me know I owed 6 months and that they were my new servicer. At this point being that I did not know who to make payments to, and the new service showed up asking for 6 months of payments which I did not have at once, they put me under a default foreclosure status. I attempted to work with them however, nothing was fixed or solved rather than them contacting me to pay the debt in a Lump sum. To make matters much more difficult, my wife during this time period got diagnosed with a difficult terminal XXXX which caused her to stop working and reduced our household income, which took several years for me to get back up while working an extra job so I could make sure to be able to make good on my expenses including my mortgage. 3 years ago SPS took over the loan and for some reason they were sending all my mail to an address which they claim the previous servicer made up. The address they were sending it to was XXXX XXXX XXXX, XXXX, MD XXXX. This is an address which I ahve never used, nor do I know where it came from, or where that is as that city does not exist. Since then they have been sending my mail there for 3 years until I called in a few months back and I asked about my mail and I had to change my address to property address as it should have always been, being that I never changed it with SPS or my previous servicer, rather it was completely made up on their part and they can not provide a time when it was changed or how it was changed, or why it has a made up city and a made up address which in reality does not exist. To make matters even more difficult during the past year I have never received any contact form them to try to assist me in getting back on track with the debt, but rather they were just moving forward with foreclosure without any concern of having contacted me or tried to reach me in order to get the account back on track. In speaking to a representative ( CASE MANAGER ) for my case 2 weeks ago when I called in she stated that they did not have a phone number, and that they had 5 different numbers that they were calling but disconnected. When asked were SPS obtained these numbers the representative stated that 1 of them they had from the previous servicer and that the other ones they had researched themselves online and through their means, which basically means they added numbers to my account that they found online without even knowing if it was my number. Once veryfying that these numbers were not mine or were disconnected, they proceed to attempt to call them without ever contacting me or findging a more appropriate way to contact me. During this time not only were they sending my mail to a mad eup PO Box address with a city that does not exist, but furthermore calling 4 different number that were disconnected that were not my numbers, but numbers they found online that were not my phone numbers. This all brings the folloqing questions. I have had my property for 10 years and have been working for the same company in the same building for 20 years. If they supposedly researched me to get my number and my job has not changed in 20 years, which means they have my employment informatiion since I got the loan in XXXX and has not changed, why did they not attempt to contact me through there? Why did they not attempt to send me ALL my mail rather than " some '' certified letters to my property address? Where did they come up with the made up PO Box address? who changed? why is the address to a non-existing city? All of these questions were not able to be answered by the representative of the ombudsman ( advocacy group ) department at SPS. Furthermore in speaking to this department and explaining all these concerns today, the representative explained that they were going to be requesting the postponement as they did not know how that address was placed on filed and could not provide a time of when it was placed or by who. After being told it would be postponed, the representative got back on the line and stated she was sorry but now they would not be postponing it because they saw a couple of certified letter went actually to my property address, even though they had the PO Box on file since they got the loan, all the way to XXXX XXXX when I called in and asked why I was n't getting mail and they actually changed the mailing address. The fact that they go back and forth in one phone call where they are admitting they made a mistake and would postpone, and later in the same phone call they come back and say they did n't make a mistake and they are moving forward with the sale date, makes me feel I am being wronged in the foreclosure process. Furthermore the foreclosure attorneys on file do not seem to have these answer either when I brought the concern to them. All of these things combined and the fact that I have been doing research on foreclosure being carried out illegally, without taking the necessary steps required by law, makes me feel that my property is being foreclosed on illegal and that I was not given a fair chance at getting this loan back on track. I hope that through this mean I am giving a fair chance at getting my loan back on track as I was not informed or contacted by them as I should be, being that they did not contact the right phone number and sent my mail to a fictitious address, which they can not explain how or when they got.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX XXXX XXXX reported to the credit bureaus that my XX/XX/XXXX payment was 30 days late and this and untrue and fraudulent. My XX/XX/XXXX payment was paid on XX/XX/XXXX due to health issues with my husband. 27 days does not equal 30 days late. Since then I have paid my mortgage ahead of time to prevent missed payment when life circumstances arise. Select Portfolio states that XX/XX/XXXX was reported late to the credit bureaus because I was late in XX/XX/XXXX this is vengeful and fraudulent. I sent Select Portfolio several payments since XX/XX/XXXX that were well over my monthly, mortgage obligation. I do not understand how I can have a 30 day late when I usually pay more than what is owed. I will like the 30 day late removed from my credit report for XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53719
Submitted Via: Web
Date Sent: 2017-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear CFPB : Please be advised that I represent XXXX XXXX in a modification. She was issued a trial plan which she paid through XX/XX/XXXX when the lender SPS stop taking her payments. At the conclusion of the trial payment in XX/XX/XXXX, my office proceeded to call weekly from XX/XX/XXXX to XX/XX/XXXX2017 being told on 8 different phone calls that the final modification was being generated and would be mailed to XXXX XXXX. In XX/XX/XXXX we were told that there was a problem issuing final modification because someone had registered a contract on the property. XXXX XXXX had no idea who the person was. Upon further investigation, it was discovered that a investor who had previously tried to purchase the property, illegally registered a contract and failed to remove the contract of sale when the short sale was not approve by SPS. SPS was aware of the homeowners attempt to previously short sale the property. My office contacted SPS and informed them we were going to get the contract removed from the title and they informed us final modification would be issued once contract was removed. We have forwarded SPS the documentation showing contract was cancelled and now instead of issuing a final modification, they are attempting to have our client start the entire modification process again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX Mortgage inflated my Mortgage Principle balance of {$84000.00} to XXXX. XXXX sold my mortgage to Select Portfolio XXXX XXXX and stated my principle balance was {$130000.00} when the loan was sold. XXXX illegally inflated my principle balance by {$150000.00} dollars incurring fees and mortgage modification in house which was never approved by XXXX. I never received any final agreement from XXXX in XXXX. I received a Military assistance program for 36 months of a fixed rate of XXXX percent and a mortgage payment of {$490.00} I was a victim of the Mortgage crisis bubble of XXXX, XXXX was told by the Federal government when they received the " Bailout Money '' to restore all distress properties to a fix rate under the Home Affordability Program " HARP '' but XXXX instead choose to initiate an in house Loan Modification that was never finalized in XXXX. XXXX made money selling off my mortgage and made a profit of {$150.00} or greater. I have a copy of the Detailed Transaction History that shows no Modification made in XXXX through XXXX XXXX. XXXX added the last two transaction in XXXX XXXX. I want my Principle balance restored back to {$84000.00} which is item number 491 of the Detailed Transaction History
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We already have a pending CFPB complaint that SPS has not responded to. In addition to that complaint, we are having issues with SPS now fabricating problems with our paperwork so that they can further delay our file. XXXX spoke with XXXX says need XXXX, need XXXX - did XXXX and submitted XXXX. XXXX with XXXX on XXXX - she confirmed XXXX and the " additional expenses ''. I sent in XXXX XXXX. Sent 1st lien approval on XXXX - resent to XXXX on XXXX while on the phone with him. No mention of needing XXXX. Sent in updated HUD XXXX due to SPS delays. XXXX with XXXX on XXXX - says still showing opened for a MOD review?! She was escalating the file on XXXX says we will have a reply in 48 hours. Called today - rep acts like there is no ESC, like file has never been sent to Investor and that no docs have been submitted. Today the escalations representative XXXX is telling me that they are still missing documents and that there is a pending counter offer. This has already been addressed - so now she says that although we used the SPS form we should have known to insert a signature and date on the pages of the XXXX that do not ask for it. I 'm not sure how we would know to do that or why they would n't put the signature block and date in there if that is what is required. I am now on the phone with a supervisor XXXX who says that was the wrong form ( although it was on their web site ) and that he will fax and e-mail me the form needed. That the previous rep was incorrect that we do not need to fabricate a section for a signature.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2017-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SElect Portfolio Servicing has posted the notice of foreclosure and will be held for sale on XXXX/XXXX/XXXX. I called and spoke to the loss mitigation dept to apply for a modification of my XXXX interest only mtg I have paid for 10 years and they claim Im to late to modify my home loan. Their policy states that this must be done 37 days before the date of the sale. This is not what my attorney says nor the State of Michigan laws, I have to file for this before the sale date of XXXX/XXXX/XXXX. The person at select portfolio servicing says I can only pay in full or get up to XXXX cash for keys. They refuse to help me. My husband has not been able to work much due to a back injury and XXXX XXXX. The mortgage company sent me an appraisal of a value of XXXX. I owe XXXX. This home never regained equity. I had to file XXXX in XXXX due to the economy and the career I had. I worked for a Builder for 10 years and my income was XXXX per year, lost my job due to the builder losing everything. However I did go back to work at my old place of employment. My income dropped from the XXXX to XXXX. I have done the best I can to keep my home. I have been turned down twice for a modification in the past. They say I dont qualify. This is not a XXXX XXXX or XXXX XXXX loan. I am being refused the option to modify my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2017-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a loan modification with XXXX XXXX XXXX loan # XXXX effective XXXX XXXX, XXXX that I have been paying on for 5 years. My loan had been at the same interest rate and same payment for all these years and provides for an interest rate adjustment as of XXXX XXXX, XXXX. At that time, my payments which had been {$1400.00} were supposed to change to {$1400.00}. The breakdown for this payment is listed on the BAC statement date XXXX/XXXX/XXXX as follows : Principal and/or interest {$1100.00} Escrow payment : Tax {$310.00} Insurance {$54.00} Optional Products {$0.00} Buydown assistance {$0.00} This information was sent to me in writing from XXXX XXXX XXXX and is attached. I was notified this month that the loan servicing was being transferred to XXXX XXXX Processing with the new loan number XXXX. They called me today and told me that my new loan payment effective XXXX XXXX, would be {$1500.00}, an increase of almost {$100.00} for no reason. I told them this was the wrong amount, and they refused to acknowledge the last payment calculated by XXXX XXXX XXXX and change the amount to the proper payment.. Instead they tried to convince me that because of the interest rate change, the payment had gone up.. I tried to explain to them that the {$1400.00} reflected the interest rate change they were referring to but they refused to hear me. I called XXXX today and they told me that XXXX does not even have all the information about my account sent over yet and they should NOT be calling me with new payment information XXXX XXXX tells me this is done to try to exact higher payments from customers in advance of getting the information, which is illegal.! I belive that XXXX is acting fraudulently in trying to advise me that my payment amount is greater than it should be and they should be sanctioned. Nothing about my loan or escrow has changed since the XXXX XXXX escrow analysis. The loan payment calculated by XXXX for the loan modification I signed a contract with them for should be the payment amount due. I would appreciate any help in resolving this issue. Meanwhile I will make my payment of {$1400.00} to XXXX processing and I want them to mark it as CURRENT and PAID IN FULL until this is resolved and they properly update their files.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2017-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We have been trying to resolve an incorrect late payment issue with Select Portfolio Servicing for several months but have been unsuccessful. When our loan modification was transferred from XXXX to SPS, SPS sent us a Trial Modification Plan to make payments for the months of XXXX, XXXX, and XXXX XXXX. Our payments for these 3 months were sent as the requested cashier 's checks. We did not receive any notification from SPS that the payments were not received, even though the cashier 's checks were cashed by the company. When checking our credit report, SPS had submitted incorrect information to the credit bureaus that we had not submitted payment for the months of XXXX, XXXX, and XXXX XXXX as well as for XXXX XXXX, which was not a month listed on the Trial Modification Plan. In addition, our loan modification with SPS began in XXXX, not XXXX. We sent a letter to SPS on XXXX XXXX, XXXX notifying them of an inaccurate claim sent to CRAs about the 3 late payments in XXXX, XXXX, and XXXX of XXXX. The letter was sent along with copies of the checks that were sent and have been cashed by SPS for each month 's payment. We received a letter from Select Portfolio Servicing on XXXX XXXX, XXXX indicating that within 60 days SPS will update the inaccurate 3 late payments claim with the CRAs. We received our credit report from XXXX on XXXX XXXX, XXXX and it 's still showing the 3 late payments for the month of XXXX, XXXX, and XXXX of XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2017-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-11-04
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I purchased my home in XXXX XXXX. Shortly after acquiring this property, Select Portfolio Servicing out of Utah started harassing me with notices they have a messenger of some sort ( always a different individual ) hang on my front door. It makes me tremendously uncomfortable to have these messengers on my property during the day when I 'm not home. For months, now years, I have sent back their notices indicating that I do not have a mortgage on this property with Select Portfolio Servicing. They have been mailing things to a " XXXX XXXX '' for years now. I have returned dozens of pieces of their mail, each time marking " No longer resides here. '' I have told their messengers over and over that XXXX XXXX does not live here and has n't for at least 9 years, given the gentleman that resided, thru a Lease, in this property for the previous 5 years to my owning it was a friend of mine. I have called Select Portfolio Servicing Dept over and over and explained this to them ... .that I purchased the property in XXXX and have a Policy of Title Insurance that reflects that. I asked them over and over to pull of a Chain of Title to confirm that. Each time they tell me " That 's your responsibility to prove this to us. We are not in a position to pull that information. '' This is alarming, given they are a Servicing company and this information is all of public record. A few months ago, Select Portfolio Servicing hired a law firm, XXXX XXXX XXXX, out of XXXX, Ca that began harassing me. I called this law firm three times and explained the situation, asking them to pull up a Chain of Title. This is when I learned the debt that Select Portfolio Servicing is attempting to collect is for a mortgage going back to XXXX. This property has changed ownership at least twice since then. I pleaded with this law firm to stop harassing me and sending me notices that they are going to foreclose on my home and that it was extremely upsetting. They send me Notices of Default as well threatening to take my home. They also refuse to research this to confirm. I have called Select Portfolio Servicing again and again, after going thru their very time-consuming phone system each time, and explained all of this, pleading for them to research the Chain of Title. I got to a Supervisor that said he would investigate. When I tried to reach him a week later, he will not return my call. My name has now also been transmitted to 100 's of companies that are now mailing me information to offer to assist with debt collection. One of my neighbors received a notice by mistake and brought it to me ; now they think I 'm being foreclosed upon. I am also getting phone calls now from random vendors. This can damage my reputation as I have worked in the XXXX XXXX for 25+ years and know people in various companies throughout the country. No matter who I call and explain this to, no matter how many times I explain I have had Title to this property for 4 years now, and have refinanced it subsequently, Select Portfolio Servicing nor XXXX XXXX XXXX will stop harassing me. I get 3 - 5 pieces of mail per day now from various companies all over the country. This has upset me to no end, making me sick at times, as I have always handled financial obligations responsibly, know how serious a foreclosure is, and I am deeply concerned this is going to affect me personally and that they are somehow going to figure out a way to put my house up for sale, damage my credit, etc. I have had to take hours away from work to continue to contact them. After all of this, they continue to refuse to research the Chain of Title, help me, stop harassing me, etc. Further in today 's world with all the cyber fraud, the fact that my personal info is being distributed to vendors all over the country, for erroneous reasons, is highly alarming. I need some help please and some counsel as to how to proceed to get Select Portfolio Servicing and XXXX XXXX XXXX to stop harassing me. Thank you, XXXX XXXX ( XXXX ) XXXX-XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2017-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A