Date Received: 2017-08-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am with Select Potfolio Servicing and I was 2 payments behbnd.I thougt ii was on a repayment plan but they said I was on a tiall modification, ye ii never applid for one! but the modificatinis is more than my normal payments. Also due tomy XXXX and the mortgage increase i can no longer afford my gas bill so i have noheat nor hot water.My home is in a rural moutsin area whee it snows!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Please reference complaint number XXXX. Select Portfolio Servicing in their response stated having submitted a request to suppression of a late reporting in XX/XX/XXXXon my personal credit bureau report. For a period of time this 30 day late was suppressed, however it is reporting again. Could you Select Portfolio Servicing please re-send the same suppression to the CRAs for the same period as they had done so before as I believe this will relieve part of my complaint with SPS? Regarding the late reporting showing on XX/XX/XXXX. This was a time period of extreme weather that impacted the processing of payments and deposits sent and received in this area. Roads were closed in some cases for several days and bank branches were unable to open. It is normal for creditors to waive late payment reporting in cases of extreme weather events and natural disasters. Could Select Portfolio Servicing please suppress this 30 day credit item from my report on that basis?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: For the last several months I have been attempting to go through the Loan Modification process with Select Portfolio Servicing ( SPS ). Even as of 1 hour ago ( literally ), I was told that I have submitted all of the documents that have been requested and this was done the week of XX/XX/XXXX, so it has been several weeks. They ALWAYS find something wrong with the documents i have submitted. I have heard every excuse from them - Like " they can not read what I have submitted ( even though its typed ) '', they " can not find the information on a bank statement '', even thought it is in plain view and circled. Or, " please submit again, we do n't have that info '' ... when I have already submitted it. XXXX will also randomly call me and hang up, I have records of all these calls, at least 2-3x per week. I am assuming someone is calling me back but does n't want to actually speak to me or help. My RELATIONSHIP XXXX changes every couple of months so every time I am lucky enough to get someone on the phone ( which is rare ), they do n't know anything about me or my situation and it must be explained again and again. I have had 4 RELATIONSHIP XXXX in the past few months. I have 3 of the 4 names, one I can not find. XXXX XXXX, XXXX XXXX, and XXXX XXXX. None of them want to help me and I get the run around. I submit documents EXACTLY how they ask for, then they will claim that they can not read or find something when it is plainly stated on the document. They have an excuses for everything. If you just XXXX " complaint or scam '' and XXXX or XXXX XXXX XXXX ... you will literally have thousands of posts come up so I am not the only person dealing with this. Sincerely, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today,XX/XX/XXXX, I have dismissed the recent litigation against SPS. So please answer my questions. I am again requesting a criminal investigation with you, among other investigative institutions. This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. I requested the name of the XXXX XXXX that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX Mortgage XXXX as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XX/XX/XXXX and could not sign or transfer any documents or Assignments ( As attached ). Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XX/XX/XXXX, why were there Assignments in XXXX and XXXX? Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. I have sent a XXXX asking basic accounting questions about records which SPS does n't seem to have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern, My name is XXXX XXXX and I am writing this letter to explain to you the series of unfortunate events, which caused me to fall behind on my mortgage. My husband and I went through a difficult XXXX and as time passed he was only able to contribute a small amount. Later on, he XXXX XXXX and was not able to contribute at all. At the same time, my daughter XXXX XXXX XXXX was going through her XXXX XXXX XXXX, and was not able to work and therefore was not able to help me either. Thankfully, my financial situation has gotten better now and I feel a loan modification would help me get back to current and would help me keep my home. I have my mother living with me and my XXXX children and I would like to keep my home. Unfortunately, it 's been XXXX years I have applied for a loan modification with my lender, Select Portfolio Servicing and I keep getting denied for a Loan Modification every time. I feel a part of the denial is because I am of XXXX Descent, because the staff is very rude each time I 've worked with them. Select Portfolio Servicing advised me, the reason for denial is because they could not create an affordable payment. I do n't understand how this is possible if my interest rate is at a 9.69 % right now and I 'm sure they can accommodate my loan if my interest rate drops drastically. In the last couple of months, SPS has offered me a repayment plan with 12 monthly payments at {$2300.00} and a XXXX balloon payment of {$87000.00}. I have appealed this decision and have told SPS many times that this is unrealistic and I can not afford the repayment plan. My usual mortgage payment is {$1100.00} and even if this payment increased a little bit, I can still afford it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60076
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To Whom it may concern, My name is XXXX XXXX Last XX/XX/XXXX XXXX sold my mortgage to a company select portfilio servicing.. At that time had disability insurance that paid my mortgage. I did do a complaint against insurance and they paid two more years and ended this XXXX ... In XXXX the insurance made two payments on for XXXX and another one for XXXX. Also in XX/XX/XXXX when I check my account thru the automatic voice system, It said they recd money and my next payment was in XX/XX/XXXX. I told them and even faxed the payment history from the disability company, The mortgage company said they never got it,,, So i gave them the name of the insurance company XXXX XXXX insurance of michigan,, so they can get the cancelled checks.. The mortgage company never checked with them.. Also in XX/XX/XXXX i fond out that the mortgage company had XXXX in unapplied funds to my acct. I asked them to take the unapplied funds and make the monthly payments with that money ... The mortgage company did not do this.. It was in XX/XX/XXXX that I contacted the ohio dept of commerce and got in touch XXXX XXXX and she forwarded my complaint to the mortgage company.. The mortgage company in XX/XX/XXXXremoved XXXX from my account they said it was a mistake it belonged to another account. I told them i should have been notified either by phone or in writing the girl at the mortgage company said it was not my money. I told her it was my account and any transaction to my account I have to be notified.. I also told the ohio dept of commerce about this.. Also I have been on XXXX since XX/XX/XXXX and when I was switched to sps I ask to see about lowering my payment,, So they mailed the forms for me to fill out and all the information that they needed.. There was a program that would expire inXX/XX/XXXX.. The mortgage company to alot of time then they asked for the same information again. which i sent by the time sps was done the program ended and they sent me a letter saying I dont qualify for anything ... Also since sps said I was behind on my mortgage they filed with credit bureau and I lost XXXX points to my credit score and made fall into the poor catergory.. I also let XXXX XXXX know about this and about trying to lower my monthly payment,, I did call the sps to check on my account and going thru the automatic recording it says now that the recd XXXX and my next payment was due in XX/XX/XXXX.. because a week before I talked which also was in XX/XX/XXXX i spoke to sps and they only fond XXXX of unapplied funds and the girl says i cant take the money from principal to make monthly payments.. and gave me no more information so right now i am paid up toXX/XX/XXXX which I have to make a payment of XXXX instead of XXXX ... Also here is another complaint I called hope and we went over things so the girl at hope made a three way call to sps trying to find out why they never fond the other XXXX in unapplied funds the girl also said she had me on the line and i gave permission for the girl at hope to go over my acct information the girl at sps said it had to be in writting which is not true way back when this mess happened i added a friend to talk with sps and it was done over the phone.. so getting back the girl after she said it had to be in writing hung up on us, and the girl from hope there was nothing she can do for me.. You can get all the paper work from XXXX XXXX because i sent the paper work to her and she will make copies and mail back to me,,, I told XXXX that i want to keep my complaints open until I get full satisfaction from sps,, I did take business law in high school and sps has defaulted on their end for not working with people with disabilities and for putting aside XXXX in unapplied funds and reporting to the credit bureau that i was behind payments which was not true.. Please help me XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My original compliant turns out to be the the same thing, incomplete information at the Attorneys help and settlement, SPS has not been fair in it dealings, they honestly did not review with is a part of the settlement. Why would you close a file in XXXX days because you can not figure out That CDCR is XXXX XXXX XXXX XXXX XXXX XXXX, but you have current paystub labelled State of California? Seem to me there into stealing houses for XXXX XXXX, criminals. Everyone, else modifications except t ; hem why???
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95337
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Select Portfolio Servicing ( SPS ) has continued to not resolve the dispute that had led to the filing of complaint numbers XXXX XXXX XXXX XXXX and XXXX against SPS and XXXX and XXXX against XXXX with the CFPB. In my last five complaints filed against SPS I have continually asked for proof that the foreclosure is judicial. They have constantly answered that the foreclosure is judicial. They went as far as sending me a copy of a letter dated XX/XX/XXXXfrom XXXX that states the foreclosure is judicial. In their last response to complaint number 5 ( XXXX ) they state the foreclosure is non-judicial. This is the exact problem I am having with SPS. They keep lying to both the CFPB and to me. It took five complaints to get the right answer on this one issue. This makes the other issues listed in all the complaints vital to determining the truth and SPS has still not resolved these other issues. They are again repeated below. It is SPSs and the note holders responsibility to get all of the information that concerns this mortgage from XXXX, they can not just pick and choose what to get and what not to get. It is their responsibility to get these recordings from XXXX and to address all the issues. After five complaints I have finally been proved right about the foreclosure being non-judicial and it has never been converted. SPS must be compelled to adequately answer all the issues that they have continually lied about. They say they asked XXXX about the Disaster Relief program I was enrolled in and they have taken XXXX word over mine that there is no evidence that I was told that the payments I missed were to be added to the back end of the loan in the form of a workout ( XXXX representatives word not mine ). SPS has taken the word of a bank that has been fined billions of dollars by the U.S. Government for their illegal activities. Now that it has been proven that XXXX has lied on the foreclosure process why does SPS think they havent lied about the conversations I had with XXXX representatives and the agreement that they offered to me and I accepted? Below is a list of all the issues still needing to be answered. SPS must adequately answer every issue in these complaints. 1 ) SPS has not provided any evidence that the mortgage originator and mortgage broker were licensed in Hawaii at the time I received my mortgage. If they were not, then the mortgage is void and unenforceable, a precedent set by a Hawaii Supreme Court decision inXX/XX/XXXX. 2 ) They have not investigated my claim of an agreement I had with XXXX prior to SPS taking over the servicing of the mortgage that is detailed on recordings that XXXX owns. SPS states that XXXX does not have any evidence of the agreement. The agreement is stated on the recordings and without hearing the recordings, which is the evidence XXXX is suppressing, then my complaints will continue until XXXX and SPS comply. 3 ) SPS continues to mislead the CFPB by stating that they have tried to reach me by telephone but fail to acknowledge that I have returned their phone calls when they leave messages. I reviewed my caller ID this morning and found more recent phone calls from SPS were made but there werent any messages left on my voice mail. This is another deception by SPS to attempt to deceive the CFPB into thinking that I am unreachable and do not return phone calls. If a voice message was left I have always returned the call. I can not see caller ID when I access messages from a remote location. If a voice message was not left I have no knowledge of the call. As of this morning there are ten calls shown on caller I.D . since XX/XX/XXXX that were from SPS, with no messages left on voice mail. On XX/XX/XXXXat XXXX XXXX HST I received a call from XXXX XXXX at SPS. He left a voice message and I returned the call nine minutes later at XXXX XXXX HST. I spoke to XXXX XXXXs and asked for XXXX XXXX. She told me that XXXX XXXX would give me a call on XX/XX/XXXX I never received a call. This is what SPS does, they dont follow through with what they say they are going to do and then they say that I am unreachable. 4 ) SPS continues to state in their correspondence that they are committed to helping people retain their homes. I have given them every opportunity to honor the XXXX agreement, which is listed in all of my CFPB complaints. Once they honor the agreement I will gladly resume my payments. They also must fix my credit report because I would have resumed my payments as agreed onXX/XX/XXXX if the agreement I had with XXXX was honored at that time. As stated in previous complaints, I am continuing to get punished by negative reports on my credit report because I do not have another option to defend myself in this dispute. As previously stated numerous times over the last few years, I can resume my payments at any time, but SPS can still foreclose and will continue to designate 180-day late notices on my credit reports. Also, SPS and XXXX do not have offices in Hawaii so I can not subpoena the recordings. I am confident that if a foreclosure is filed, and the mortgage is not void and unenforceable, that the Judge will order the recordings I have continually requested, delivered to the court. I have made every effort to keep a foreclosure from proceeding but SPSs continuing refusal to demand XXXX turn over the recordings, and their repeated statements that the matter has been resolved, has led to these drastic actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX we were forced to file for chapter XXXX bankruptcy to avoid foreclosure. We were found eligible and began making payments towards our 5 year plan on all our debts in XX/XX/XXXX. On XX/XX/XXXX we were granted a discharge for successfully completing our payments. But come XX/XX/XXXX our mortgage servicer claimed that we were still in arrears and now to this date we owe them {$25000.00} even after the bankruptcy was discharged. Our bankruptcy lawyer at the time was in constant communication with the servicers lawyers and on a few occasions they said we had fallen behind but when we presented bank payment documents stating that we had n't owed them any monies they would we assumed take the documents as valid and never got back saying we were wrong. We were unclear on why they waited so long to come after us for any past arrears at the very start when they noticed we had allegedly owed them money supposedly since XX/XX/XXXX when oddly enough is when the new servicer Select Portfolio boarded the loan our original servicer was XXXX XXXX XXXX. Nonetheless after thinking we were in the clear but were n't in order not to go through foreclosure again we applied for a loan modification/deferral but were only approved by the investors of Select Portfolio for a 12 month repayment plan of {$3600.00} and our mortgage is {$1500.00} and we do n't see how we can afford to make these payments without ever falling behind again on all of our bills.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: SPS, has denied the agreed to loan modification for the amount of {$1100.00} which was negotiated through Nevada 's Loan Modification Program due to an SPS perceived and arbitrary technicality of not returning a signed acceptance agreement paper which I never received. SPS does not have proof through a signature for delivery that it was actually delivered to me. I continued to pay the agreed to amount past the original trial period date and after SPS had arbitrarily placed a drop dead date for acceptance by me in the one acceptance letter, I never got, and had to be returned to SPS by a certain date. SPS also continued to accepted loan modification payments after said drop dead date which should have made the loan modification payment a legally binding agreement. The agreed to loan payment of {$1100.00} was based on my income, which has not changed, and was paid as agreed during the trial modification period and three months after that until SPS sent back my payment in XXXX. It was not until my own investigation into what was happening with my Loan Modification that I was informed by SPS they had arbitrarily canceled the Loan Modification and a few days later I received my XXXX payment back from SPS. I was then informed by SPS that if I wanted to continue with a new trial loan modification it would be with a payment of {$1700.00} a 53 % increase in payment. A payment that was arbitrarily derived by SPS. I provided SPS with the necessary information that my income has not changed and that I am not able to afford that payment with the income I make and would agree to continue to make the {$1100.00} payment since there has been no substantial change in my income from the original meetings I had with SPS during the Loan Modification meetings where the {$1100.00} payment was agreed to. Now for the fourth time now, SPS wants me to redo the paperwork for them. I have spent the last year trying to get SPS to uphold the agreed to payment of {$1100.00}. Yet SPS continues to use delay and threatening tactics of foreclosure because they did not receive an affirmation agreement letter which was time sensitive and was supposedly left on the porch of my property, where anyone could have taken it ( which happens quite often in the area I live in and continues to happen ) or had it blown away. If this letter had the importance that SPS places on it then why did they not send it signature required or multiple times as they do with all the other threatening letters. I have at time received 15 or 16 different copies of the same letter sent to me from them. Yet the one letter that was time sensitive and would have finalized the agreed to payment of {$1100.00} was sent once and left on the ground at my front porch unprotected and not even a copy sent to my mailbox where at least it would have had some protection nor sent via e-mail. SPS states they sent follow up letters but again have no proof that it actually made it to me. SPS even had the opportunity to e-mail me regarding this important finalization of the loan mod agreement but did not. I do not know why SPS denied the loan modification due to not receiving an arbitrary signed paper from me when I had continued paying the agreed to amount in XXXX, XXXX, XXXX and XXXX. SPS, even though they did not receive the signed paper back from me they accepted and continued to accept those payments. It was n't until XXXX when they finally returned my payment several months months after the letter was due back to SPS. Which in any court of law would be considered acceptance by both parties. SPS keeps stating that I do not want telephonic correspondence, which is correct as I have no record of the conversation. I have never denied SPS to send me correspondence through electronic means ( e-mail ) and have even requested it. I certainly did not request SPS to send the one paper they needed to affirm the Loan Modification payment at {$1100.00} to only be sent and left on my porch, but that is what they did with out any copies being sent via regular mail or by signature required mail. SPS accepted payment of {$1100.00} after SPS 's required date of the loan modification affirmation letter being received by them. Which shows both parties agreed to those terms. It was n't until several months later did SPS return my payment and said it needed to be {$1700.00}. The arbitrary requirement of the signed acceptance back from me is nothing but a rouse and a way to steal my home from me. This is further perpetuated by SPS requiring me to pay a payment that had an imposed 53 % increase in my payment ( {$1100.00} increased to {$1700.00} ). SPS did not adequately nor appropriately notify me of their need for an affirmation letter of an already agreed to Loan Modification payment of which was being paid and accepted by both parties, even after SPS 's arbitrary affirmation letter drop dead date. SPS prior responses have not indicated what figures they have used to come up with a 58 % increase in payment. SPS has not adequately responded on why only one letter was sent and left on my doorstep when it was such an important and necessary letter that was time sensitive. SPS action lead one to believe that they had no intention on having to live up to the prior agreed to payment. Had SPS wanted to live up to the prior agreement they would have and could have waived the self imposed arbitrary affirmation letter date and continued accepting my timely payments. SPS tactics have been self serving and should be held to the prior payment of {$1100.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A