Date Received: 2017-10-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been communicating with XXXX in hopes to find a solution to avoid foreclosure on my home. I have submitted all requested documentation and have followed up with XXXX to ensure the process is going smoothly and to ensure I am doing my part. On XXXX XXXX, XXXX I received a letter from XXXX informing me that all of my documents have been received and that my file is being reviewed. Then a few days ago I am told that I was denied, and when I requested to appeal the denial I am told I can not. All my homeowner rights are being violated and I am not being provided a fair review of my application to avoid foreclosure. Additionally, I was never provided a denial reason verbally or in writing, I was not provided a chance to appeal the denial and lastly the foreclosure sale should have been postponed while I was in active review however XXXX continued to proceed knowing that is a form of dual tracking.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92116
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, we signed a sales agreement with our XXXX, XXXX XXXX, to begin the short sale process on our home. We sent these documents, along with a hardship letter explaining the circumstances surrounding our need to move ( crazy neighbor who we had to get a restraining order against after he entered our property with a chain saw and cut down our trees ), copies of police reports filed against said neighbor, copies of authorization for XXXX to act as our agent, copies of the sales contract with our buyer and other documents that they requested. On XXXX XXXX, XXXX, we received a letter from XXXX stating they were in procession of the sales agreement and requested a signed authorization form from us ( it was already sent with the original sales agreement papers as well ). I faxed and emailed the authorization for to them on that same date. At this time, I also faxed and emailed the copies of the restraining order and two police reports we had against our neighbor who used a chain saw on our property to cut trees down. This neighbor is the main reason we feel unsafe here and need to move. On XXXX XXXX, XXXX, after not hearing anything since XXXX XXXX, I called to get an update on the short sale process. I was told they needed an authorization form signed ( this is the same form they already received twice-see above ). I resent the form via email, uploaded it into our account into via computer and faxed it to their office that afternoon. I again reminded them of our neighbor and his chain saw antics and reminded them that it was not safe for us to remain in the house much longer. On XXXX XXXX, XXXX, after receiving a BPO in the mail for {$290000.00}, I called XXXX and spoke with a XXXX, XXXX XXXX who stated they were requesting a counter offer from our buyer. The BPO we received showed homes that are in move in condition, not even close to the condition of our home. I asked why they accepted it and they could not give me an answer. They also wanted changes to the HUD, such as the HUD fee removed and wanted ANOTHER authorization for XXXX XXXX, our realtor, to be able to access information on our account. Please note this is the fourth authorization form they have requested for XXXX. I again reminded them of our neighbor and his chain saw antics and reminded them that it was not safe for us to remain in the house much longer. On XXXX XXXX, I called the Ombudsman office, since I was not getting any assistance from their regular customer service line. XXXX, XXXX was unable to give me an answer when I asked why they were requiring a bid closer to $ XXXX when our payoff was $ XXXX. She told me to call back on Monday, XXXX XXXX for an answer. I again reminded them of our neighbor and his chain saw antics and reminded them that it was not safe for us to remain in the house much longer. XXXX XXXX, XXXX, I called back to get an answer regarding Friday XXXX XXXX phone call. I was told the $ XXXX offer we had was denied and they wanted it in the ballpark of $ XXXX but they still could not give me a reason why they wanted more than our payoff balance. I also questioned why an interior BPO was never completed. She stated she would request an interior BPO be done. Note the date on this request versus the date we started this procedure on XXXX XXXX, XXXX. I again reminded them of our neighbor and his chain saw antics and reminded them that it was not safe for us to remain in the house much longer. XXXX XXXX, XXXX, we received a copy of the interior BPO for $ XXXX. This BPO has numerous discrepancies and errors listed. It lists the home as a 4 bedroom, when in reality it is a three bedroom. At one time, it was four bedrooms, but we removed a wall and enlarged the dining room approximately twenty years ago. This BPO also does not show any of the damage to the home, including the fact that it needs a new roof, new paint, dry rot damage, ceiling repairs, flooring, etc. It was compared to homes that are move in ready. On this same date, our realtor, XXXX XXXX, sent XXXX an email listing all the discrepancies/errors, and neither of us have heard back from XXXX regarding this erroneous BPO. On XXXX XXXX, I received letter from XXXX regarding a repayment plan and called to advise them once again that we do not want a repayment plan and had requested a short sale. During this phone call, they kept stating they needed missing documents such as pay stubs, XXXX tax returns, hardship letter, and other documents that do not pertain to the short sale. I again asked about the fact that the XXXX was XXXX and our payoff was XXXX and they still could not give me a straight answer. She requested copies of the authorization form, updated listing agreement, short sale addendum and short sale acceptance form. All these copies were faxed, uploaded to XXXX website and certified mailed to their office. I again reminded them of our neighbor and his chain saw antics and reminded them that it was not safe for us to remain in the house much longer. On XXXX XXXX, XXXX, I called XXXX to inquire on the short sale and spoke with XXXX in the XXXX XXXX. I advised her I was calling for an update on our short sale to see what the status was on the rebuttal our realtor sent to XXXX regarding the false BPO. She could not give me an answer and stated she would expedite the request to the underwriters to see what the status was. She advised me to call back on the following Monday, XXXX XXXX, XXXX in order to give them a few days to review our account and prepare a response. On XXXX XXXX, XXXX, I called the XXXX XXXX and spoke with XXXX XXXX who stated she did not see anything new in our account and would have XXXX XXXX from Wednesday, XXXX XXXX ) check on the expedite request and call me back. I again reminded them of the neighbor and his chain saw issues and that it was not safe for us to remain in the house much longer. As of today, XXXX XXXX, XXXX, I have not heard back from anyone regarding the expedite request, the erroneous BPO, the status of the short sale, or any other correspondence from XXXX. This has been going on since XXXX XXXX, XXXX, which is seven months. We have done everything asked of us, often more than once ( including sending the authorization form six times for our realtor to discuss our account with them ). I feel that XXXX is prolonging the short sale so they can foreclose on our home. Their actions have been unethical and non-compliant with federal short sale law. Their negligence in looking into the erroneous BPO that was brought to their attention in XXXX without responding to myself or my realtor proves that they arent interested in completing this in a timely manner. I am requesting the Consumer Financial Protection Bureau investigate this matter and respond within a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2017-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-13
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This mechanism has been designed to inform you that back in XXXX and XXXX, my mortgage was with XXXX XXXX XXXX, I was on a repayment plan in the amount of {$460.00} per month. In XXXX XXXX XXXX XXXX bought out XXXX mortgage, then would not keep me on the payment plan that I had so they offered me a refinance plan in the amonkunt of {$1000.00} dollars a month. I had a subprime vendor on that loan at the time in which they did not remove it during the XXXX XXXX. Therefore I struggled to pay the {$1000.00} dollars a month for about 11 months. I then could not keep up the payments. They would not lower the monthly payments, and they stated that I was not eligible for the harp program in which I was qualified at that time. After reading that the Federal Government had sued XXXX XXXX XXXX for foreclosing on properties that they did not own. That is when I had to send in my complaint. They do not own my property either. XXXX owns my property. And XXXX is XXXX XXXX XXXX XXXX XXXX. Something is wrong. I was a victim in this fraud process with XXXX XXXX XXXX as well. Can they really do this to consumers.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2017-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: unlawful Foreclosure to my home on XXXX/XXXX/XXXX. We were in the process of the modification. Was never given a proper notice of the of the intent to foreclosure. mislead to believe we were working on a modification. My loan with the bank is considered to be a predatory loan, was never given a fair opportunity to work out a repayment program of the modification. The bank had postponed the sale date several times and did not gave me enough time and official notice of their intent to foreclose on my home. i appealed the offered approved MOD, XXXX XXXX XXXX, the payment offered was too high, and was never given a response to my request and was pushed to repeat the whole Mod process for a 3rd time to then be put in foreclosure. I had already gone through the 3 month trial payment with previous servicer XXXX. Please help me with this matter. I have hired attorney spent thousands to not get any good results. i know the bank and their servicers are acting unlawful. unfair, misleading ... thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing just bought my mortgage from XXXX XXXX XXXX XXXX. A person from the firm called me this morning and told me to gather my loan documents - she needed information from me. She asked me the location of my home, the last four of my social security number without identifying the institution she was representing. I asked her who she was and what firm she was representing. She told me I had to call her back this evening, that she worked at Select Portfolio Servcing. I was notified by XXXX XXXX XXXX XXXX that they had sold my loan ; I have never been late on my mortgage payment. I took my mortgage out in XX/XX/XXXX. I called this evening and was told that this firm is a " debt collection agency ''. I do n't understand why my 30 year fixed rate mortgage that has never been late is in a " debt collection agency ''. The threatening nature of the call, the insistence that I give my personally identifiable information to an individual I do n't know frightens me. Is XXXX XXXX XXXX a " debt collection agency ''? I understand they " own '' my loan but what 's with the threatening behavior? They 've recieved my mortgage payment this month because when XXXX sent me the notice they 'd sold my loan, I put XXXX XXXX in my electronic bill pay immediately and paid before the due date. The women that I spoke to this evening told me my mortgage " was not in collections yet ''. I checked on the CFPB site when XXXX notified me that they had sold my mortgage to this firm. I am single, XXXX years old and work at a non-profit. I am bearly making it but pay my bills on time. My research indicate Select Portfolio Servicing puts their customers in collection w/out cause, forces people out of their homes. Please help me get this firm off my back. I can pay my mortgage but feel they are trying to put me in a category where they can abuse me and take my home. Thank you very much CFPB.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2017-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX my mortgage was sold to Select Portfolio Servicing I continue to pay without any problem. Previous XXXX XXXX XXXX XXXX was my mortgage company. XXXX XXXX I giving XXXX permission to do a electronic draft from my bank account. XXXX they did and XXXX they did. I receive a letter stated they a sold it to Select Portfolio Servicing. On XXXX XXXX, XXXX XXXX went in my checking account and took out XXXX unauthorized. I did not give them permission I was not with this mortgage company no longer
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please find that " XXXX XXXX XXXX '' is acting as a Trustee under a disguise of a SELF Appointed Sub of Trustee role, indicating that a " TRUST '' NAMED XXXX XXXX XXXX XXXX XXXX ' is the owner who assigned them by some " client of their own making named as a Servicer called SPS. That the underlying investor named XXXX XXXX went defunct, and only " assets '' moved to XXXX XXXX in XX/XX/XXXX '. However XXXX was informing they " were '' the lender. Took funds from me for 7 years now those funds were OMITTED and forced into a mod OR foreclose - that increased the balance. XXXX said they were the " Lender-Investor-Creditor '' then each Regulatory Agency said NO you ca n't be as nothing existed as this was non performing in XX/XX/XXXX '. There are now over 8 lawsuits by regulators instructing XXXX to stop lying. Add confusion that XXXX acting as Servicer was bought by XXXX now XXXX claimed both roles. Rather than keep any of the agreements made under XXXX 's very extreme abuse which I encountered horrible lies told and moving into a full underwriting for a rewrite of a new mod - ( which at that time XXXX said I missed a payment to cause a default -this was not true ) I had made those payments. Furthering the abuses by XXXX turned to XXXX. XXXX admitted NO Lender can be known it is impossible. However while I was " in '' underwriting for this very long awaited outcome of principal write down - XXXX made a mistake and caused an admitted mistake of a filing a Notice of Default. That NOD was filed " Outside of CA Laws '' and the newly enacted Civil Codes including specific documents to be attached XXXX that were not attached and never attached - Filed a false affidavit as XXXX had full documents, and continued at that point to " Transfer '' for a Debt Collection to Servicer SPS when " no underlying investors existed '' however SPS did not care about any laws of California, and allowed XXXX 's own attorney firm acting now as the Sub of Trustee ; causing a Posted Sale during the transfer Time - Clearly CFPB Violations. Continued to cause dual hardship and later found that XXXX was NOT the Investor when asked to use " Keep Your Home California '' as then found no investor existed. This did not stop backdated Fake assignments and claims by XXXX XXXX foreclosure to continue to make up fake Assignments and record at the XXXX XXXX and then used in a Bankruptcy filing to make a non sensical link that is purely fictional. Then jumped again from 3 Attorney firms to make claims they worked for XXXX XXXX which was " Impossible '' the other claimed to work solely for SPS however on paper claimed another role - that of SUB OF TRUSTEE for a " Creditor '' as under the DOT only a Creditor can Assign - however given no investor exists = The Attorney firms created the paper and used for the notary tag team of the Servicer to ACT as if some real party holding rights has given them an official power of attorney to allow employee 's of unrelated persons to act and now assign a new Sub of Trustee this was a double event, first using XXXX XXXX, acting as SOT self assigned and now XXXX XXXX XXXX XXXX as Trustee with claims that an owner under the DOT has assigned them however the only client existing is a Servicer " claiming to have a client ''. During this entire fiasco of intense harassment, including interferences to property rights, use and income affected, without any concern the " Attorney 's '' brought the FRAUD onto the Federal Court. The FRAUD of now which includes entirely made up fake assignments, and " Forged Note ''. The Notes existing are the one most similar to XXXX Bank 's Note perhaps found in the original XXXX XXXX XXXX as that is the only real lender related. However during many disputes each one diverted by deflection of no responsibility exists to answer or lame blame answers that are unrelated to the facts having caused an entirely Made Up Figures -along with a " newly Created '' FAKE FORGED NOTE. Now this Note being claimed Due ( Which is Time Barred ; Has No owner : and was discharged after 10 years in a XXXX ) Now appears to have an " Allonge '' that is pre-dated from the borrower/myself ever signing or seeing this Allonge. That once an Allonge is created it forever stays with the NOTE. This did not happen as NO Allonge existed. IT is clear that XXXX does not have that Allonge and provided a different note to answer Regulators in XX/XX/XXXX '. At the same time SPS produced this same fake forged note with an allonge that was Dated BEFORE Borrower 's ever signed her note or loan documents. This makes NO VALID SENSE. Except of a Stolen note event. That NOTE includes an Allonge signed by someone named XXXX. That XXXX NOTE was presented to federal Court. That XXXX NOTE is a fake note being tossed to varied self Assigning Sub of Trustee 's having no concern of " who '' or " how '' their client has represented that they self assigned a role of SUB OF TRUSTEE - however typically made by their own firms attorney firm. Signed by a NON CREDITOR NON OWNER and pretending to use as if a real beneficiary has assigned them a role. Recording that SOT on the Courts and County Records. Then using this as proof to have been hired to act on behalf of a " Creditor '' named as the Trust. This is bogusly corrupt. No REAL Client exists of the Creditor/Investor. No relationship to the SOT exists from the claims made. ONLY a Beneficiary can assign such a role. However in this event ONLY a Self monopolized role of a Servicer Self Servicing a Role that is NOT true and then being the ONLY client of the Sub of trustee in this case EVEN Though on paper a Sub called XXXX XXXX XXXX acting for INVESTOR XXXX I XXXX however this is NOT True. QLS " only ' client is a Sub to a Sub to a transfer from 5 times back to end up in hands of non related parties and no underlying beneficiary. The Note is no longer enforceable by any means. Rather than release the lien. A game is played that has now raised further illegal abuses to have occurred. That relates to an underground back door Deed Theft Ring happening and the " Attorney 's hired '' by those fake claimed servicer 's are aiding the wrong party entirely to enter side dealings that compromise the integrity of our entire Court, and County Land Records. At this very time, those attorney firms associated with the Deed Theft Rings are these SAME Linked parties. My other property was purely fictional Bank came and pretended a sale auction occurred -- NO Sale Date had occurred however these Attorney 's aiding wrong parties are now " feeding themselves '' in new paths to aid the Deed Theft Rings. That right now over 100 Properties the ones I 've personally investigated this week alone all relate to time barred, no real underlying creditors and now instead of the Servicer claims those employee 's of both Servicer AND AUCTION Co and that of the pretender Sub of Trustee 's are allowing fake trustee 's deeds to wrong parties. Relentless in being brainwashed to think they have a " client '' that is an Investor Beneficiary however knowing that this would be IMPOSSIBLE. That it is believed that no good faith, no duty of fair dealings whatsoever are possible when dealing with theft of this magnitude and pay outs that allow the largest attorney firms to make a ton of money related to false pretenses and think they can rule the entire system with fake documents. When XXXX was recently assigned as " attorney ' associated to be the backbone of XXXX XXXX XXXX - assigned to this file - having already laid hands on my other properties to which has entirely fake persons making up fake assignments - in this situation, both QLS and their role changing hats XXXX claim that they are all Exempt from ALL LAWS and any mistakes regardless of how BIG a mistake being made has only to land on Servicer 's back and that they can make any claims they want as playing role Trustee. However each time they are informed WRONG FIGURES - Failing and Omitted 7 years of payments, entirely made up forged affidavits, robo signers named as those in the XXXX agreements, continue to slander my title with false documents by fake persons, fake claims and having no real underlying client. QLS had stated that they will make sure to follow all laws under CA State as they are the Trustee and that is required however when pushed they claim " Exemption '' from all laws. Now each CA Specific State law is not upheld. The NOD was filed defectively in the first place it is still and will forever be missing the " XXXX '' as now it 's been nearly 5 years since that faulty NOD filed by XXXX 's inhouse council acting in all roles monopolized the system and had admitted that a mistake and misrepresenations were made at that time and thereafter. NOW a Posting of a Sale showing THAT MONEY IS OWED - no Debt is owed as this is Discharged after the 10 years in XX/XX/XXXX '. However this does not stop publishing of the same claimed debt. Now furthering was a Posting of a Notice of Sale by XXXX XXXX XXXX ACTING DECEPTIVELY - THIS INCLUDED MAILING TO WRONG ADDRESS. Skirting the proper notice. Then when informed of a dispute existing of figures, and of the debt - that informed QLS of the varied lies encountered along with each lawyers firm hired that no longer exist 3 entire different firms found 2 of which were acting illegally and were closed - however never reversing the faulty NOD. Now underneath the chain of title is fake forged notes, and forged assignments by non related parties. The chain includes some back-dated assignments to unrelated parties not even the same as " who '' is now claimed or " who '' was claimed the time involved. Both QLS and their Attorney firm named XXXX XXXX XXXX who " SPS '' continues to reference as " their '' attorney firm however XXXX states NO they are ONLY XXXX XXXX XXXX 's Attorney Firm and that any mistakes are not their concern if made by Servicer. This tossing back and forth is deceptive. XXXX does interject and advertise that they are hired by the Banks and Servicer 's however now appears that this is a Front. That the servicer 's believe that they are handling legal aspects however NO ONE IS. The laws continue to be shaded and disregarded. A letter was sent to all parties in XX/XX/XXXX, and XX/XX/XXXX on " figures '' and loan history requests ; again answered with " Omitted 7 years '' ; Request was made to reverse the faulty NOD ; The letter of XX/XX/XXXX addressed no response from QLS either as they stated they would confer and respond after the servicer response to make sure laws are followed then instead state ONLY DO AS INSTRUCTED by the Servicer - QLS then apparently SPS had instructed this firm to by pass the NOTICE Posting and fail to Properly Notice Homeowner, then has informed them to ignore all pre-foreclosure procedures including excessively moving sale dates more than 3 times and without regards to any " answer '' to any concerns raised. No answers come. No Accounting to match their made up claims. No true rights exist by such illegal means. A continued pattern that has caused the Commercial Crimes Division to become involved on my files as the FRAUD IS ALL OVER THE Place. A few attorney firms refused this file. NOT XXXX as they throw it to XXXX XXXX XXXX and claim they are not acting as Attorney 's so this means they can break all laws in such a role. Now QLS fails to answer AT ALL. ON XX/XX/XXXX a request was made for the full accounting and reinstatement figures under additional laws ; however XXXX and XXXX who share offices at times and other times separate themselves from any accountability by deflecting any means to by pass accountability to uphold laws. Now on XX/XX/XXXX attempts were made to XXXX for the pay off figures and instead of providing these figures, stated NO Such Department was operating as they were in the middle of a Move of " that '' Department and at this time had no phones no internet and no access. That Department of payoffs and figures to cure the loan before a foreclosure was NOT AVAILABLE. Would not be available as they were at that time walking down the street hand carrying boxes. That this is the typically response it is always some " other '' person or department and each call results in a claim someone will call back and not once has a call been returned. This has been a sham. That NO good faith is found. That at all times I could pay and afford my payments I was denied my rights, and I was lied to by " each '' entity hired by this so called Servicer working on behalf of an " unknown '' and impossible to know Beneficiary - however QLS continues to instruct XXXX XXXX to Publish that a Beneficiary is somehow directing all actions including that of Nationwide Posting by a 3rd party named as SOT Sub of Trustee who is self assigning their role without any real client. I am asking that a chance be given to allow fairness rather than steal my house of 12 years that I made EVERY GOOD EFFORT and Paid and my money was stolen right from me and now being aided by this Threat of Foreclosure from faulty schemes and failing to follow the laws. Not one entity has reviewed the CA laws including CC 2924g, 2924.17. or 18, and or any of the entire Civil Codes pertaining to heightened requirements of the XX/XX/XXXX ' enacted laws that were ignored at that time. Now running on a false and defective means to steal property without having a proper right, nor following any procedures set forth under the applicable laws. Not from the simple laws to the more complex security laws under the DOT noted under item 1 & 16 which claim all laws are to by upheld.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90740
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Effective XX/XX/XXXX my mortgage was turned over to Select Portfolio Servicing ( SPS ) from XXXX XXXX XXXX. Please note prior to the transfer to SPS, I had completed a loan modification application for assistance with XXXX XXXX XXXX. Please note this process with XXXX began on XX/XX/XXXX ( application faxed ) with follow up information faxed again on XX/XX/XXXX to XXXX. I received confirmation from XXXX prior to the transfer that all documentation was complete and received and to follow up with SPS if I did not receive a response on my loan modification prior to XX/XX/XXXX. No response was received from XXXX prior to XX/XX/XXXX. I called SPS on XX/XX/XXXX at XXXX and spoke to XXXX XXXX - she indicated my file would be completely uploaded into their system by the XX/XX/XXXXorXX/XX/XXXXXXXX also indicated I would be notified by the beginning of XX/XX/XXXXwith an answer on my loan mod application. I called into SPS again on XX/XX/XXXX to check the status of my loan mod app. I requested my call be escalated from XXXX XXXX to his supervisor XXXX XXXX as I needed further assistance and clarity on how long it would take to review my completed app. In the course of my conversation with XXXX, he requested information relative to seasonal work I had just started in XX/XX/XXXX. He requested I provide a 90 day P & L statement for the XXXX work I had just started doing at XXXX. I emailed the P & L statement on XX/XX/XXXX at XXXX per XXXX instructions. On XX/XX/XXXX at XXXX, I called SPS to follow up on the status of the app and the P & L statement I had sent on XX/XX/XXXX and I spoke with XXXX XXXX . She said that the P & L statement needed to be signed and dated which XXXX XXXX did not indicate when I sent the P & L on XX/XX/XXXX. I resent the P & L again on XX/XX/XXXXvia email ; however, this time signed and dated. Since XX/XX/XXXX, I had not received any voicemail messages or written correspondence from SPS indicating what specific additional information may be missing if any. On XX/XX/XXXX, I received an inbound call from an unknown number at XXXX, upon answering the call I spoke to SPS rep XXXX XXXX . He proceeded to tell me my loan was in default for which I replied what is the status of the loan modification transferred from XXXX since XX/XX/XXXX and additional information provided to SPS on XX/XX/XXXX XX/XX/XXXX. He apologized and said upon review of the file it looked like the underwriter wanted to know the source of income. I repeated again per information provided to SPS on XX/XX/XXXX it was from XXXX XXXX XXXX on a XXXX seasonal basis that I had just started with an existing XXXX. I indicated at that time the length of time for review and asking repeated questions was unacceptable given the amount of follow up and additional information I had already provided. He apologized and said my application was complete. I called today, XX/XX/XXXX to check on the status of my loan modification app at XXXX. I was advised at that time by XXXX XXXX that the P & L statement received on XX/XX/XXXX could not be used as there was no income listed forXX/XX/XXXX I advised there was no income for XX/XX/XXXXbecause there was no work for XX/XX/XXXX. She said the underwriter needed 90 consecutive days of income and what percentage of ownership applied. I indicated there was no ownership as it was not a LLC or registered business. This income will be XXXX work. In addition, I expressed my distaste for the lack of follow through and obvious delay that SPS has held on my loan modification application. I have submitted all additional documentation requested in a timely manner including the additional 90 day P & L I was asked to submit on XX/XX/XXXX. Please note this information was sent and confirming emails received from SPS that the information was received through their email system. My goal is simple and the same as it was back in XX/XX/XXXX to get a fair and reasonable loan modification. I do not believe SPS is operating or handling my file with integrity and ethically. I kindly request your assistance so this matter can be resolved as quickly as possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2017-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My TARP/HAMP 1TD modified mortgage from XXXX ( XX/XX/XXXX ) was transferred to my currenter loan servicer SPS in late XX/XX/XXXX/early XX/XX/XXXX from a previous loan servicer XXXX when XXXX sold my loan. For a little over six years, I made principal and interest payments with all three loan servicers ( XXXX, XXXX, SPS ) of {$870.00} a month pursuant to the Loan Modification Agreement. Then in XX/XX/XXXX, and without notice, SPS stopped collecting the principal portion of my monthly mortgage payment ( via auto debit ) that was approximately {$350.00} a month. In XX/XX/XXXX, when SPS again failed to auto deduct the principal pay-down, I called them for an explanation. From XX/XX/XXXX through XX/XX/XXXX, I called every month for an explanation, and every time I called, I could NEVER get beyond the call-serving level of SPS to speak to a supervisor about why they stopped collecting the principal payment. The legions of call-service representatives with whom I spoke made a variety of guesses but could only confirm that they had been previously collecting a principal payment every month ( which at first they denied ) but were not anymore. Then in XX/XX/XXXX I received a notice from SPS that my fixed interest rate of 2.5 % was being adjusted to 3.75 % and would adjust every XX/XX/XXXX hereafter. My monthly calls to SPS increased significantly throughout XX/XX/XXXX and XX/XX/XXXX, but I could never speak with the same person about what was happening to my loan terms. In mid XX/XX/XXXX, I met with a branch manager of XXXX who also called SPS on my behalf. XXXX and I believed the XX/XX/XXXX Modified Loan Agreement was fixed for 40 years at 2.5 % and, in effect, the original ARM was permanently modified ( as was my equity line with XXXX, which they still own and service pursuant to the TARP/HAMP mortgage rescue program ). Sometime in XX/XX/XXXX, SPS moved my incessant telephone questions into a category they called research, but only after I wrote a letter dated XX/XX/XXXX ( attached to this Complaint ). Once XXXX began representing me, SPS moved my inquiries into dispute. In late XX/XX/XXXX, after four or five calls from XXXX ( with me present and sometimes handed the phone ), SPS said the XX/XX/XXXX Loan Modification Agreement lacked two keywords : Fixed before 2.5 % interest rate, and permanent, which did not appear in the caption of the agreement or anywhere in the body language. XXXX and I believed the modification was fixed and amortized to a payment in full date in XX/XX/XXXX ( see paragraph 2 of the agreement ). In short, some phantom supervisor at SPS unilaterally decided that because TARP/HAMP ended in XX/XX/XXXX, I was now back in the terms of the original ARM ( dated XX/XX/XXXX ).
Company Response: Company believes complaint is the result of an isolated error
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX is allowing " Abusive Collection Tactics '' on a " Note '' that is not owed, wrongly claimed figures as owed, and now finding a wrong Client ClaimedFAKE Claims of having a client that differs from the " Client '' that is now making claims to Service this Account for XXXX XXXX XXXX as Investor -- HOWEVER Chase states they are NOT the Investor and XXXX states that they are servicing for " Investor '' XXXX BANK as of Today ; XXXX/XXXX/XXXX. Now this has caused great distress as XXXX acting as Attorney 's and acting as a claimed Sub of XXXX would then have no underlying client being this situation. Upon Review of a Federal BK filed, XXXX Firm handled hand carrying false claims to the XXXX XXXX - stating that another was the owner, NOT Chase. Then at the end of the XXXX XXXX took over this file and claimed worked on behalf of INVESTOR XXXX Bank XXXX XXXX for XXXX as INVESTOR - Obviously this claim is not true. Admitted as not true by XXXX on this DATE : XXXX/XXXX/XXXX by OMBUDSMAN named XXXX XXXX. She confirmed verbally on an approved Recorded Phone Call. And sent a XXXX that shows CHASE as Lender by email directly. NOW this is causing XXXX to not have been hired by their claimed " XXXX '' as no link exists to their claimed client except by a XXXX XXXX XXXX from a non lender making a cloud on the title. Now XXXX has also hand carried fraudulent documents to the Federal Courts on my " other '' Property ( which will is right now under Commercial Crimes Division AND given to the FBI XXXX as an underground Deed Theft Ring is making up FAKE Bank Names and stealing from the Servicer 's, and this Slander of Title caused to be mistaken as truth when a false claim and false figures and omitted loan payments were made and stolen from homeowner for 7 years of payments missing. Now a Review of the Documents recorded at the XXXX XXXX AND filed at XXXX XXXX Records. Finding that a FAKE SUB OF TRUSTEE made up by XXXX and their Notary that is non compliant and no matching links whatsoever to this party making claims. That underneath all these false Sub of Trustee 's that have NO REAL CLIENT and do n't seem to care that no real creditor exists on this XXXX ' Note -- and is making false claims. XXXX is working XXXX XXXX XXXX XXXX. When acting as XXXX this firm used Deceptive Practices including " Mailing of a Notice of Sale '' to the Wrong Address. To purposely NOT Notice homeowner of a XXXX XXXX. This pattern continues. This has been a ton of illegal claims by the Attorney 's claiming to act under laws, claiming to the XXXX 's that have also convoluted false claims of having hired attorney firm via a power of attorney that has no real link. That XXXX XXXX XXXX is closely related to the schemes that are misrepresenting the Federal Courts and to XXXX XXXX Records FALSE CLAIMS knowing that representations are not possible. Then slide into a role claiming that they are not really Attorney 's acting even though they told the XXXX in the XXXX XXXX they were in fact " Attorney 's '' and had a " client ''. That also produced forged notes ; The note that they have is a fake note ; forged note by a pre-dated allonge that was now somehow created before homeowner ever signed her documents. This is NOT Possible to be a true allonge and in a CFPB Complaint to XXXX Bank - XXXX had and holds a different Note having NO allonge and is more similar to that of the homeowners'note therefore A FORGED NOTE IS HELD BY XXXX & XXXX XXXX is not a true note and appears was Stolen or under laws would constitute a Stolen Note. Now XXXX XXXX XXXX claim that they now DO NOT REPRESENT XXXX - that they represent only XXXX. However XXXX states opposite that XXXX IS their Attorney and advises on the Applicable State laws of procedures on foreclosures. Which under the laws of CA XXXX are non compliant to State Laws. This includes having been noticed of mistakes on their face, and failing to abide under CFPB laws and under CA applicable laws. A XXXX was sent to them and they failed to respond. Another Letter was sent, Email was sent, and a Breach of Contract was sent as well as Notice of Error 's on figures, and Breach on the underlying item XXXX noted in the Deed of Trust NOT upheld. XXXX, XXXX XXXX has come. Upon looking at the Recorded Documents - and the claims made ; Bogus Forged Note ; a Lender that says " they are not the lender '' and now XXXX claiming that YES that Lender that said they were NOT the lender is NOW the Lender - - XXXX continues to state They are NOT The lender however they had stated they were until the Regulators fined them in several lawsuits and finally they backed off - NOW SPS acting solely as client for XXXX is aiding and abetting false fake " Investor 's '' named as XXXX Bank XXXX states today that XXXX is the INVESTOR. XXXX states " only '' client is XXXX however on paper of the NTS and acting on the defective NOD is another story that XXXX was hired as the Sub of Trustee specifically assigned to their QLS entity to claim that they have a " different client '' a XXXX party Trustee of a Trust. THIS IS NOT TRUE. However XXXX & XXXX XXXX do not care if they have a real client. They are also now linked to a fAKE BANK and an XXXX XXXX - Nationwide Posting and XXXX who are behind the backs of any real Bank making up FAKE BANKS AND stealing from their own clients. This has included a Property targeted for DEED THEFT and now XXXX being the link and XXXX another firm as the LINK to the FAKE DEED THEFTS. This along with breaking every single applicable law failing to answer, when they claim they would answer and continuing to cause XXXX to XXXX of my property. This note was a XXXX ' Acoustic Home Loan who went defunct in XXXX ' at that time was informed they would rewrite terms ; instead a claim later by XXXX Bank said they took over XXXX XXXX XXXX -- later finding that on XXXX/XXXX/XXXX ' this note was not an Asset and WAS NOT taken over by anyone known. However XXXX allowed and claimed to be owner and XXXX. Then once caught by the Regulators changed " who '' they are. This caused " no underlying real entity '' to be known. However this did not stop XXXX from passing the XXXX XXXX to allow XXXX to make false claims and hire this firm now to AID in the false claims by a faulty FORGED NOTE and omitting 7 years of payments. Further abuse has continued. This has been horrendously abusive for the Attorney 's to ACT as if they have a Creditor Client when NO Such link is possible OR exists. This is part of a scheme that apparently is only now getting so out of hand that underlying SEC Regulators and the XXXX are slowly getting this mixed up claim. Please find this a request for XXXX to make sure that the legal process is " legal '' for them to foreclose against all procedural laws and to know that IF foreclosed upon by wrong parties that they will be named as they are disregarding all applicable laws, and have been found to have brought fraudulent forged notes to the XXXX Courts. I am attaching the XXXX versions of the NOTE -- XXXX from XXXX and the other from XXXX -- obviously XXXX has duped their attorney firms OR these firms are willing participants as now they are in clean up mode of stealing from the clients that they claim to represent. A fake Forged Note, a Fake Sub of Trustee self created to make false claims, and no review under mandatory laws to review per CA laws ; CC XXXX & XXXX and under all CA pre=foreclosure mandatory procedures to be upheld by any such Sub of Trustee and have skirted the entire applicable laws State and Federal Laws. The forged note is NOT the borrower 's signature and was duplicated to then back date both a mix up for title records do not match the Note ; The allonge was pre dated to the loan and the allonge shows a XXXX as the XXXX 's name. This is bogus. The original note is no longer enforcable as it was time barred and however under operation of law - no laws are upheld by any Attorney 's as they are making tons of money to aid the " XXXX 's '' who are in this case pretending a real investor exists however that Investor XXXX states they are NOT the Investor. No real investor exists and this has caused massive horrendous abuses that have no good faith dealings found. Lies to the XXXX Courts and forged documents by non compliant notaries.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90740
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A