Date Received: 2017-04-25
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Your client initiated foreclosure within the early intervention period in violation of Regulati on X, 12 C.F.R. 1024.41 ( f ). Your client failed to provide our client with a Post-Foreclosure Referral Notice in violation of 12 C.F.R. 1024.39 ( b ) - We have also requested a QWR response as of 4/20/17 an d request a response ASAP to this information being requested
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX XXXX sold our XXXX mortgage account to Select Portfolio Servicing , Inc. of XXXX XXXX XXXX , Utah. I had absolutely no desire to have this happe n. Select Portfolio Servicing , Inc. has an absolutely terrible reputation, as can be easily seen with a little investigation online. I am very concerned that they will have errors tha t will cause me to have bogus fees added, " forget '' to pay my taxes from escrow, fail to send my tax documentation, and otherwise make trouble. I am complaining in advance so you know who I am referring to should I have trouble with this firm, which I expect will happen.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I have b een discharged of my debt obligation to SPS Portfolio Servicing for ov er 2 years now. I have legally removed my name from the property deed and title, and mailed proof of such to the bank and conveniently one department does n't communicate with the other and claims such documentation does not exist ... and its public record. The only person on the deed and title is my ex wife, but she was NEVER AND NOT on the mortgage loan in any way what so ever nor is she financially obligated to the mortgage company at all. The bank obviously has a lien against the property until sold. SPS sends me monthly mortgage payment coupons and statements as if I were a current customer, with updates as to what 's owed, back taxes owed to them and how much to pay them, what the current escrow balance is and how much I need to pay to make it current, also sends me statements of what I owe them as far as home owners insurance they purchased in my name, and the balance they claim as I the " debtor '' owes them ... and it goes on and on ... HOW DOES THAT WORK ... WHY DOES THE BANK CALL ME THE " DEBTOR ''? When I was by law ... been released of the debt and the title of " DEBTOR '' I 'm being HARRASSED relentlessly, I WANT TO SUE and be compensated for every piece of correspondence they sent me, SENDING ME INTO XXXX , AGRAVATION, sleepless nights wondering if or what they might try ... mess with my wages, my job, I do n't know how far they will go??!!! Once I lose my job, or wages ... it would be ages for me to recover, even if they were at fault in doing so to me ... They wont stop..I told them many times. The last statement they sent me shows them claiming a balance of almost a XXXX dollars, OMG ... from an original balance of {$460000.00}!!! TRY HAVING THAT ON YOUR MIND!! lastly, they claim the property was surrendered, THIS IS NOT TRUE, THE PROPERTY IS NOT MINE TO SURRENDER. THEY LIED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 11414
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX of XXXX XXXX approved a modification plan over the phone after ten months of applying and reapplying telling me the paperwork had not all shown up by fax. Only giving me the option to send by fax. I paid five modification payments XXXX XXXX - XXXX XXXX then received a letter telling me my I was disqualified for false reasons. Here is an article telling my true story of the mod from XXXX . XXXX : XXXX Here is an article I helped write about the mod scam. XXXX XXXX XXXX This lead to my pro se case due to I could not find an attorney that would help me. The pro se case lead to me losing in an XXXX and losing my ability to protect my home from criminals trying to steal my home. XXXX ignoring the letter of FDCPA and the federal judge ignoring the same letter and all my pleas of help. Blocking my due process. I continued to send more FDCPA letters, RESPA QWR 's Homeowners Rights letters. Cease and Desist letters, TILA notices that were ignored. XXXX XXXX and SPS sent XXXX to file judicial foreclosure in a non judicial state to skirt around my letters. Now I am in the Supreme court of Washington asking for review by my petition through an attorney. Blocked from most of my case being claimed and only being allowed to state no standing due to no evidence at the start of the case. No authentic note undated one copy no endorsement a second copy undated with endorsement. This has caused us extreme cost and extreme stress that I am surprised has not killed me. The judges ignor hearsay evidence in the lower courts and accept false affidavits and false notes with false assignments taking away our due process to protect our home. The courts have become collection agencies for crooks with no proof of being the lender or having authority to collect the alleged debt after pulling a criminal act of modification fraud on us. We are in danger of losing our home of ov er thirty five ye ars to crooked criminals. By affidavits by crooked lying lawyers representing these crooks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has no proof the loan was deposited into the trust in XXXX . Has not filed a copy of the PSA and claims to have actually committed securities fraud by an assignment to a REMIC seven years after the closing of a trust never finished or deposited to. The fraud assignment is in XXXX . XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98092
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been attempting to do a modification with SPS.. I have a HUD counselor I am working with, and this organization does not work with the counselor. I have been told my application is incomplete, but the form on their website XXXX XXXX XXXX has only XXXX pages. I am told my form should be XXXX pages. I received a letter with the form and it had only XXXX pages. M y counselor has requested the form be faxed three times, and they refuse to send the correct form. I am current on my mortgage, but my wife can no longer work, and we have less income.. It will be difficult for me to pay my mortgage going forward. I have asked about the HARP, an d SPS will not entertain a discussion about it. This servicer is not doing their due diligence on my request for assistance. I have explained their website has XXXX form and the form I was sent is missing sections. I was told the form is different for each person.. This can not be true.. as they will not fax the form in question
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Ever since my mortgage was transferred t o SPS Servicing, I have had one issue after the next due to the lack of competence of their employees and well as their flat out misrepresentations. As a result, I can not trust any statements that come from them orally or in written communications. These are the issues that I have had to deal with : ( 1 ) I received a notice from my home owner 's insurance that they were cancelling my policy because SPS had not paid them despite the fact that I paid insurance in my monthly escrow ( 2 ) After being encouraged to apply for a loan modification, I was told my a representative over the phone that my payment was a certain amount. I paid my first trial payment. Then, a couple of weeks later, I was told by a separate agent that my payment was {$300.00} higher than the original amount I was told. No explanation or apology was given for this mistake. ( 3 ) After I finished the trial modification and received my final paperwork with my permanent loan amount, I called my relationship manager ( the one employee who worked on my loan modification and was most knowledgeable about the loan ) and asked if the final payment amount on my paperwork included principal and interest, taxes and insurance, and PMI. She assured me that it included all of the things. I made my first permanent payment following the modification. A couple of weeks later, I get a statement notifying me that my payments were increasing by {$270.00}. It took MONTHS for me to get a clear explanation for this only to be told that it was increased because the PMI was not included in the final paperwork given to me. Note, my relationship manager explicitly told me that it was incldued. I am left to take their word that they mistakenly left the PMI out the first time without any documentation to reflect such. Again, I received no apology for this situation. ( 4 ) Late last year, I made payments that should have been attributed to my entire mortgage ( P & I and escrow ). For some inexplicable reason, SPS reversed two payments without my permission or authorization and applied them only to P & I, which partially caused shortage of my escrow. They have sent written documentation telling me that these reversals were done at my request while their agents have confirmed over the phone that there are no notes in my account to indicate that I ever made any such request. Just today, I virtually demanded an apology from one of their employees for this lie and she refused to give me. She claims that they will reverse the payments back to what they were originally designated for. I have zero confidence that they will be able to do this without screwing something else up and further disadvantaging me. Mind you, I have been forced to make extra escrow payments in my monthly mortgage because of their XXXX XXXX . ( 5 ) Because of all these issues, on my account, I demanded a payment history so I can see exactly where my payments went. I was shocked to find that during the three months that I was going through trial " modification '' that SPS NEVER actually modified my loan. They took the same P & I that I paid prior to modification. The only thing they reduced was the money going into my escrow account. Again, this was done without my approval or consent. For three months, my e scrow was being shorted on a scam alleged modification. This is also a huge reason why I am currently making additional escrow payments. SPS wo n't admit this and represented to me that my escrow was short because of the reversals that I request ed ( wh ich as noted above, was a lie ). Sample math shows that, even if I had approved those reversals, that someone else contributed to the significant shortage that I am being forced to pay. I am demanded th at SPS ex plain why they shorted my escrow instead of modifying my loan. I am also demanding that they right this wrong and compensate me for their lies and fraudulent behavior.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2017-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-20
Issue: Settlement process and costs
Subissue:
Consumer Complaint: back in the RE-MODIFICATION days, i think XXXX or XXXX i asked for a remod the told me i was current on my payment and i would have to stop paying, so i did I had an interest only loan of XXXX by the time i received my Re Mod the increa sed my principal by XXXX k to XXXX eventhough i was never paying principal and i have been pay extra interest these la st ten years on that XXXX XXXX my principal is the same, so in essence i have been paying interest on interest. I contacted my lender to discuss this issue and they told me TOUGH LUCK i signed the papers and were unwilling to help me. As i think that i have more than payed off whatever interest payments i missed, on there advise My principal still remains at XXXX . any advise would be greatly appreciated
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94087
Submitted Via: Web
Date Sent: 2017-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After XXXX years and XXXX months, XXXX sold our 15 year, fixed-rate mortgage to XXXX XXXX XXXX XXXX XXXX XXXX effective XXXX XXXX XXXX . XXXX sent us a NOTICE OF SERVICING TRANSFER dated XXXX / XXXX / XXXX and we received it the following week. XXXX sent a SERVICING TRANSFER NOTICE dated XXXX XXXX XXXX that we received on or about XXXX XXXX . Both the XXXX letter and the XXXX letter indicated that ACH payment arrangements would continue without interrruption. Our payment arrangement with XXXX from the time that the loan was originated until the sale date was half payments deducted by XXXX withdrawal from our checking account on a biweekly basis. After being unable to register our account on the XXXX online system between XXXX XXXX and XXXX XXXX XXXX , I called XXXX Customer Service on the afternoon of XXXX XXXX The recorded message said that the account information for newly acquired mortgages would not be availble on the online system for XXXX days but that payments must still be made in the interim as their XXXX letter also said. However, XXXX did not provide any information about the amount of the payment due or the due date. The customer service agent was able to look up our account in a separate system for newly acquired mortgages. He told me that this transition would be " smooth '' and specifically that my payment arrangements would continue as with XXXX . He specifically told me that the first ACH transaction that XXXX would have processed on XXXX XXXX , would be delayed until approximately XXXX XXXX and that regular biweekly ACH withdrawals would resume on XXXX XXXX . He told me that no action was required on my part to authorize this. The agent also told me that we would receive a phone call about XXXX XXXX orienting us to XXXX and its customer service, but did say that if we had n't heard from them by about XXXX XXXX , that I should call back. By XXXX XXXX , no ACH withdrawal had taken place and no phone call had been received. On that date we received a letter from XXXX informing us that XXXX did not offer the payment plan that we had with XXXX and that we would have to authorize a new ACH withdrawal. We were able to register our account onine on XXXX XXXX and authorize a new ACH transaction, the only option was a single monthly transaction, contrary to what I was told directly by the agent on the phone on XXXX XXXX . I believe that XXXX has deliberately provided false and misleading information and is acting in bad faith. I advise anyone whose mortgage was recently acquired by XXXX to document all contacts and retain all written correspondence. Consider hiring an attorney if you think that is warranted.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2017-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This loan was discharged and paid off in a Chapter XXXX bankruptcy on XX/XX/2017. On several occasions, I requested the title for the property. Also, the debt is currently being reported as delinquent on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 603XX
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-17
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I had made a previous complaint, # XXXX regardi ng SPS, Inc. not sup plying a mortgage note in a timely manner. I have a letter fro m SPS da ted XXXX XXXX , XXXX saying the matter would be resolved XXXX XXXX XXXX , by sending a copy of my mortgage note. I called today, XXXX XXXX , to ask the status of the mortgage note being sent. I was told a letter would be sent tha t SPS w as still researching, and that SPS should have an answer to me within 30 days. This is not in compliance with wh at SPS o mbudsman said earlier. This delay is causing me a hardship in refinancing my curren t loan. SPS ha s stalled, made excuses and untrue statements to me since I began requesting a copy of my note since late XXXX or early XXXX .
Company Response: Company believes it acted appropriately as authorized by contract or law
State: HI
Zip: 96734
Submitted Via: Web
Date Sent: 2017-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No