Date Received: 2017-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The problem is that no one has paid attention into how to resolve this issue. By calling the water dept ( XXXX ) provide acct # XXXX and asked about the $ XXXX payment that was paid to this acct and was returned because no bill was ever accumulated in such large amount. Therefore the funds was returned to the bank. I have outlined in my first complaint letter dated XXXX XXXX how my taxes were paid during the time frame of this matter. I would appreciate not only a phone call, but by postal mail. If they choose to call, leave a message. How would I know if they are trying to reach me. Have some common sense PLEASE. Nothing is owed these people. Before the complaint was sent to XXXX, I had not a clue where these funds went til now. If they did not receive it back, then they should back track that check number that was unveiled by the XXXX XXXX XXXX XXXX. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: New Mortgage Servicer - not the bank that loaned the money for the house, but anyway, calls on the XX/XX/XXXX if the payment is due on the first two months in a row and it is done at XXXX XXXX which is illegal they can not call before XXXX XXXX and I work nights and this is the second month in a row they have called. I notified them twice and that is why I am filling this report they are not following the terms of the agreement and I am sick of being harassed I believe that they need to be investigated for their collection process. I have two months free of charges during their transfer period. Where is the protection for the customer when these " companies '' handle your mortgage just looks like more fraud to me and if they play with my mortgage one more time I am walking and you can all go XXXX yourselves.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a mortgage and Select Portfolio Servicing is the servicing company. We have made repeated attempts to get a payoff so we can pay our balance in full. First they told us it takes 72 hours. When 72 hours passed they then said it takes 5 business days. I know other servicers can have a pay off in 10 minutes. This mortgage accrues interest daily and I am not being allowed to pay it off!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2017-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To Whom it May Concern : I am attorney who has been trying to negotiate a short sale with SPS on behalf of my client, XXXX XXXX, loan # XXXX, for almost 11 months. Over the course of the last 9 months, I have submitted documents for consideration by underwriting, and underwriting has either ignored submission of these documents and requested them again, thereby pushing the " 30 days for the lender to make its decision '' out again and again and again. Most recently, which is what has pushed me to send this complaint, is that on XX/XX/XXXX, I was advised by SPS that my client 's HUD needed to be revised to add a 3rd party to the HUD with a commission. On that date, I had both the first client representative and then a manager review the listing agreement and advise me that the party, XXXX, XXXX, something like that, was not a party to the contract and therefore did not need to be added to the HUD. The matter was then " expedited '' for review to be submitted to underwriting again. On Saturday, XX/XX/XXXX, I again called SPS. Underwriting had kicked the file back again with the same note, a certain 3rd party needed to be added to the HUD. Again, two representatives reviewed the listing agreement and stated that underwriting was incorrect and they would resubmit. My concern is that underwriting will simply continue to reject the HUD despite the fact that change that they are requesting is legally impossible. No one in the SPS call center has a way to address this. My clients have been waiting 11 months for determination of this short sale. I do n't know what else to do. Thank you, XXXX XXXX XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2017-10-09
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: One XX/XX/XXXX I spoke with a customer service rep about assistance due to Hurricane Irma. I sustained damage to my home and needed to make repairs without filing an insurance claim due to high deductible. I was offered to defer my mortgage payment for three months and have those three months just added onto the end of my mortgage term extending my loan time. I agreed to this and was advised I would have a new contract sent to me to sign and return extending the loan for three months. After two weeks I received a letter in the mail from SPS advising that I did not owe a payment for three months but on XX/XX/XXXX I had a balloon payment due which was in the total of four months of mortgage payments. I was extremely upset because this in not what I was offered or agreed upon. I also had already started having the repairs made to my home and had paid for them. I will not have enough money to make a balloon payment due to the expense of having my repairs made. I mean seriously how is this helping me financially? On XX/XX/XXXX I called and spoke with a customer service rep who was no help and then asked to speak with a supervisor. Supervisor could only apologize and advised that the customer service rep on XX/XX/XXXX told me incorrect information and he would be counseled by his supervisor. I was then told that on XX/XX/XXXX if I can not afford the balloon payment then I could then request for a deferment at that time and MAYBE I could be approved if not then I would need to pay the balloon payment. I explained that I wanted the deal that was originally offered to me and that I could not just live in limbo hoping to get a deferment after XX/XX/XXXX. These people are setting people up for failure! Horrible customer service and obviously DO NOT know what they are doing
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 34606
Submitted Via: Web
Date Sent: 2017-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-06
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: 1. This is a complaint alleging fraud and " wrongful attempted foreclosure, unlawful debt collection and unlawful attempted seizure of property '' in violation of the FDCPA and GA O.C.GA. 16-14-4. 2. XXXX XXXX has notified us by USPS that they have scheduled a foreclosure sale of our property for XXXX/XXXX/XXXX. See EXHIBIT-1, letter/notice. 3. XXXX XXXX and its client ( s ) is fraudulently claiming to hold a secured interest in our property which they allege gives XXXX XXXX a right to foreclose on behalf of its clientXXXX XXXX XXXX. rights are predicated upon a false clime. Whereas, XXXX XXXX has use a false clime as a pretext to send a foreclosure notice/letter almost every month for the past 2 years. there is no lender/creditor holding title to, or a secured interest in our property. 4. XXXX XXXX XXXX allegation is an intentional misrepresentation of a material fact. XXXX XXXX have previously made the false representation to this agency, and to other state and federal officials to facilitate its collection or seizure of property they are not entitled to possess. We are now attempting to convince this agency to force XXXX XXXX to cease and desist its predatory collection practices and harassment of us. We as Seniors Citizens have a right to live free of such degradation. Therefore, I present the following conclusive documented evidence in support of my complaint : 5. Whereas, according to " Georgia Superior Court Clerks ' Cooperative Authority '', the official property records, shows that XXXX XXXX XXXX claim to hold a secured interest in our property is in direct conflict with, and in fact contradicts the Cooperative Authorities ' official records. See EXHIBIT-2, Affidavit and EXHIBIT-3 ( a 20 yr. title search report ) that shows that the Current Deed is the original warranty deed. 6. Not only did Georgia Superior Court Clerks ' Cooperative Authority OVERLOOK the documents recorded by XXXX AS NOMINEE for XXXX XXXX XXXX XXXX at deed book XXXX page 276, and deed book XXXX page 47, the Cooperative Authorities ' official records reviled that a unrecorded assignment was made by XXXX AS SERVICER FOR XXXX XXXX XXXX XXXX, MIN STATUS : INACTIVE, MIN # : XXXX. ( unrecorded assignment dated XXXX XXXX, XXXX ). 7. Obviously, the unrecorded transaction was also OVERLOOKED by Georgia Superior Court Clerks ' Cooperative Authority -- -- the Authority 's records shows that all previous security instruments are ether released cancelled or otherwise overlooked as defective or unrecorded ; Hence, according to the Superior Court Clerks ' Cooperative Authority 's '' official property records the WARRANTY DEED recorded at deed book XXXX and page 676 is in fact the CURRENT DEED. 8. WHEREAS, if the original warranty deed that conveyed the property to us is now, according to official record, the " current deed '', any other recorded deed is OVERLOOKED as being outside the chain of title, defective or unrecorded. 9. I, XXXX XXXX XXXX DO HEREBY declare that I commissioned XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX to complete a 20 YEAR TITLE SEARCH and thereafter furnish me with a documented report. See Title Search Report at EXHIBIT-3. 10. Specifically, we are disputed a ) the identity of any true secured lender/creditor, and b ) the existence of any legally collectable/reportable debt, and c ) the authority and capacity of anyone to collect on behalf of any alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we asked XXXX XXXX, XXXX to perform a title search to determine the chain of secured ownership from the purported original secured lender/creditor to the current alleged secured lender/creditor. With the final results of the title search now completed, we ask all interested parties to review the attached EXHIBIT-3, A 20 YEAR TITLE SEARCH REVEALING THAT THE DEED REFERENCED IN paragraph 7 ABOVE IS IN FACT THE CURRENT DEED and no RELATED JUDGMENTS, UCC 's AND LIENS AGAINST OWNER is attached.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2017-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mtg servicing was transferred from XXXX to XXXX XXXX XXXX. The new company charges a fee to make an online payment via ACH. This is completely unacceptable. The new servicer also is not setup for ACH with large banks like XXXX. Both of the 2 ways I pay all my other mtg servicers this one does not allow. Better oversight is needed with servicers since I have no say in when or how many times my loan is transferred to stop the hassle with these transfers and to require I have a way to pay without a fee. Charging to pay via a bank account on the servicers website should be illegal. How is it remotely acceptable to charge to make a mortgage payment? Please work with this servicer to change this policy so I can make my payment.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2017-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX, I submitted A Qualified Written Request for Account No. XXXX, XXXX ( Property Address ) to SPS. In my correspondence ( please see attachment ), I informed SPS that I was making a qualified written request under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and that I was requesting the following documents associated with my loan ( Account No. XXXX ) : 1 ) Appraisal 2 ) Copies of Loan Documents 3 ) Copies of Property Inspections 4 ) Escrow Statements 5 ) Homeowner Insurance Payments 6 ) Loan Payment History 6 ) Foreclosure Notices, Notices to Cure, Acceleration Notices, etc. I informed SPS that under Section 6 of RESPA they were required to acknowledge my request within 20 business days and that they must try to resolve my issue within 60 business days. However, I did not receive a response from SPS ( please see attachment ) until XXXX XXXX, XXXX. SPS stated in its letter that since more than a year had passed since SPS had serviced my request, a response would not be provided.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2017-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX, my mortgage loan changed from an " interest only '' payment of approximately {$1400.00}, ( XXXX XXXX XXXX dollars ) to an amortized payment of {$1700.00} ( XXXX XXXX, XXXX XXXX XXXX dollars and XXXX cents ). I was approached over the phone in regards to refinancing or loan modification to help lower the monthly payment. I started the process in XXXX and began submitting documents via fax and downloading online. After several weeks, I began calling to check on the status. Each time I have called, I have spoken to a different person. Each time, I have been told to submit another document or to make a change and resubmit an existing document. I have voiced my concerns and frustrations every time I call. I just recently called again ( XXXX ) to check on the status. Again, I was told to add a date to a document and resubmit. I was also told that the bank statements that I initially submitted were now out of date and I would have to submit more current statements. This process has taken extremely too long and the company is unorganized and inefficient. It has been an ongoing vicious cycle.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-10-02
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My wife and I listed our home for sale to avoid foreclosure. Our agent secured a buyer but our mortgage company took too long to approve the short sale and our agent lost the buyer. Our agent worked with our mortgage company to postpone the sale date and secured another buyer. Our mortgage company ordered a value check and our agent let them in our home. The value check proved the offer we had was good and we were on the way to our short sale. Weeks went by while waiting for the final approval. Our agent called and was told to get one or two updated or new items. Our agent emailed in the items and was told the value check was old and another value check had to be done. The appraiser called and by this time our agent simply asked if it could be a drive by value instead of an interior as the interior has not changed since the last FOUR interior inspections. The appraiser agree but said he needed to check with our lender. HE NEVER DID. Our agent followed up with him several times giving him a chance to answer his phone or return her calls. Finally, our agent sent an email to our mortgage company around the XX/XX/XXXX about the appraiser not contacting her back.. With no contact ( our mortgage company does not email, call or anything they only require website contact ) our agent contacted SPS and they said they cancelled our short sale just a few days prior to her call. She asked why and they said the appraiser could not get in! Now we are going to have a foreclosure and a deficient amount and we are a young family looking for help! We live in a two bedroom condo with a boy and a girl and need your help to stop the sale and allow our short sale to go through promptly, so we can get back on our feet. The offer we have we were told was in the range to be accepted and the time frame has been way more than should be allowable. How hard is it to accept an offer which was with in range and valid? We just want to move on with our lives and this has been a nightmare. PLEASE HELP
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92808
Submitted Via: Web
Date Sent: 2017-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A