Date Received: 2017-03-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am XXXX veteran and told hospitals that they would be paid by VA I gave them my member ID # XXXX & SS # XXXX as well as address to submit their claims. Now after years I see they are all listed on my credit report.Causing extra Fin cost on every thing.I served and paid the price. Hope you can help me I would be very grateful. XXXX Vet. XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for a loan modification on an adjustable rate mortgage in XX/XX/XXXX due to getting injured on my job and having a curtailment of income. I 've been compliant to the all of the request made by SPS and I 've received seven letters stating that all of the documents have been received and are perfected and that SPS will send the file to an underwriter for review. The underwriters are n't reviewing the documents that are being sent and requesting the same documents again. On XX/XX/XXXX SPS requested clarification on paycheck stubs to determine if I get paid every two weeks or twice a month ( Hence, 24x a year or 26x a year ). A letter explaining that the pay period is every two weeks was sent on XX/XX/XXXX. Upon calling SPS on XX/XX/XXXX, I was told that they received clarification and all the documents were in to continue the review. On XX/XX/XXXX I called SPS for a status update and they informed me that they needed a letter regarding clarification of the frequency of pay. I advised that I already sent that letter and they told me that they just wanted a verbal explanation. I verbally told them that the frequency of pay was every 2 weeks. On XX/XX/XXXX, I called SPS and they explained that all docs are in and nothing else is needed to continue the review. On XX/XX/XXXX I called SPS for a status update and they advised they needed clarification of the frequency of paystubs. I explained to them that we already verbally told them and wrote a letter. SPS said " O.K. '' and continued the review. On XX/XX/XXXX, they advised me that they just received internal clarification on XXXX that the frequency of paystubs is every 2 weeks. However, they needed more bank statements to verify the frequency of pay. This tactic has been going on since the inception of the loan modification process began. The single point of contact XXXX XXXX never answers or calls me back and I speak to different reps every time I call in that ask for the same documents that we sent in and verified that SPS received them. SPS single point of contact and underwriting team are not reviewing the documents that we send in.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 93551
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-28
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XX/XX/2017, I applied for a loan modification with XXXX which was my lender, all required documentations was submitted, as well as the trial payment that they required were sent and collected by them, on XX/XX/2017 I received a phone call from XXXX saying " Congratulations! we have received the trial payments and all documentations is already completed, you should be receiving the modification agreement next week, do not sent any mortgage payments until you receive the modification agreement reflecting your new mortgage payment, you need to sign them and send them back '' ; at the same time of all this process I received a letter from XXXX saying that my loan was sold to a new lender Select Portfolio Services, and they will honored any previous modification agreement already approved. Until now I have n't received my modification agreement, I have been calling back and forward to both companies XXXX and SPS, and they just keep saying that I need to keep waiting. It is taking to long and I am calling every week with the same answer. I do not want to lose my house and I can afford the high payment. Please help.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2017-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We completed a trial modification in XX/XX/XXXX that we were offered through XXXX. XXXX took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. XXXX sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. XXXX sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for XXXX to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. Wells Fargo is the noteholder and is refusing to honor principal or interest forgiveness. XXXX did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We completed a trial modification in XX/XX/XXXX that we were offered through Select Portfolio Servicing. SPS took 90 days to finalize the modification and then changed the terms of what we were offered in the trial. We were offered a Home Affordable modification. SPS sent a letter stating that they offered that incorrectly and offered an in house modification. We submitted 2 more payments in addition to the 3 trial payments in XXXX and XXXX. SPS sent us permanent modification documents and requested we return them by XX/XX/XXXX and the first payment would be made on XX/XX/XXXX. We returned the paperwork and made the XXXX payment. We are waiting for SPS to finalize the modification. We requested principal forgiveness because the house is not worth the amount of money. XXXX XXXX is the noteholder and is refusing to honor principal or interest forgiveness. SPS did 3 different appraisals. In XX/XX/XXXX, the house was appraised at {$440000.00}. In XX/XX/XXXX they appraised the house at {$740000.00}. The house could not have gone up {$300000.00} in 6 months. We received a notice that there is a status hearing on XX/XX/XXXX at XXXX. We have submitted all this paperwork to the court. Now we may have to have the additional expense of hiring a lawyer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33414
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Sir or Madam : After review of the financial information that SPS has provided to me it appears that SPS was dually tracking my residential mortgage loan while I was working on a loan modification and reviewing their offer for a repayment plan. Not only did they dual track me but they also harmed me financially as they charged the expenses of {$1100.00} to my account. This is a direct violation of the California Homeowner Bill of Rights, Consumer Financial Protection Bureau, RESPA and Truth in Lending statues and laws. On XXXX XXXX, XXXX, I submitted a home affordable loan modification application to SPS both via facsimile and email. I experienced a material change in financial circumstances and submitted that change to my " mortgage servicer ''. I never received an acknowledgment of that application nor did I receive any outcome. However, on XXXX XXXX, XXXX SPS charged {$760.00} to my account, paid to XXXX XXXX XXXX XXXX and noted my account with Foreclosure Attorney. On XXXX XXXX, XXXX SPS sent me a letter offering a repayment plan. I did not agree with that plan and filed an appeal. SPS gave me until XXXX XXXX, XXXX to respond to their offer. However, SPS ordered and charged to my account a Foreclosure Broker Price Opinion in the amount {$89.00} and on XXXX XXXX, XXXX they charged to my account {$280.00} paid to The XXXX and noted on my account Foreclosure Attorney. These were outright illegal lending practices as SPS positioned themselves to foreclose and take my property while in direct violation of the law. I am requesting that your office conduct an industry standard investigation into my allegations. Please apply all penalties and sanctions as applicable to State and Federal Law to discontinue this behavior as it clearly demonstrates a pattern and practice of non-compliance, as well as malicious intent. Thank you, XXXX XXXX XXXX XXXX Enclosures : Payment History XXXX XXXX XXXX SPS Repayment Plan Letter XXXX Screenshot of Email of HAMP application XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95624
Submitted Via: Web
Date Sent: 2017-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-25
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I filed a chapter XXXX, XX/XX/2016, I applied for a Deed in lieu with Select Portfolio Servicing and was approved by them gather all my information and submit it via Fax, and Email, received confirmations that all information was received, 4months go by I heard nothing then out of blue the last two weeks of XX/XX/XXXX they stated that they do n't have copy of my satisfaction of mortgage, I submitted the information via email, email confirmation stated that received, then 30 days later I called back for up date, they stated that it was not recorded correct, I then called my county courthouse and spoke to the records department and they stated that it was recorded right and there is no lean on the property!! After I called SPS back the same day, now it 's a mistake and they need a copy of my divorce decree, I was mad because that was sent in the beginning, I purchased the home in XX/XX/2006, and got divorce in XX/XX/2008, it states on the decree that I am the owner of the property and other findings, as well. They keep giving me the run around and the sad part is I was the one calling and follow up!! I called the ombudsmen department and XXXX, from the department stated that the underwriting department has n't touched my account since XX/XX/2016. I called my relationship manager XXXX and asked her why she lied and told me that the underwriting department was still looking at it and that the ombudsmen department said it was not looked at since XX/XX/XXXX. She had no explanation for thRee and that it would be submitted urgent need!! I am so tired of this process and prolonged the process they are unprofessional and liars they deceive their customers!!! Can you help me!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 53216
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: submission # XXXX SELECT PORTFOLIO SERVICING INC. 1. XX/XX/XXXX forwarded debt validation letter to select demanding claim and ownership of note.forwarded copies instead of originals as demanded. SELECT representative suggested I may come to their office in XXXX Utah to examine the originals. since then on XXXX occasions notices have been placed on my door in spite of cease and desist until debt is properly validated. 2. ) XX/XX/XXXX RESPA QUALIFIED WRITTEN REQUEST forwarded by certified mail Select representative responded with refusal to answer all questions explaining some of my questions will not be answered because some my questions are overly broad or some of my requests will not be answered because of propriety and confidential information.3. ) response forwarded with an enclosed affidavit to representative XXXX XXXX demanding a response in her private capacity under penality of perjury have yet to receive the affidavit or a response.4. ) certification of non-response/non performance forwarded and presented XX/XX/XXXX to RESPA letter with NOTICE OF FAULT IN DISHONOR 5. ) CERTIFICATION OF NON-RESPONSE/NON PERFORMANCE and NOTICE OF FAULT IN DISHONOR forwarded XX/XX/XXXX to debt validation letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29210
Submitted Via: Web
Date Sent: 2017-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-24
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Pursuant to the California Revenue and Taxation Code the California Franchise Tax Board on XX/XX/XXXX, forfeited all powers, rights and privileges from a mortgage banker known as XXXX. XXXX is identified as a Foreign Corporation with the California Secretary of State with a corporation file number XXXX whose address was XXXX, XXXX, CA XXXX with XXXX as Chief Executive Officer, Secretary, and Chief Financial Officer. The California Revenue and Taxation Code states that when a foreign corporation has its powers, rights and privileges forfeited that " any contracts entered into during the forfeiture are voidable at the request of any party to the contract other than the suspended or forfeited corporation. Such contracts will remain voidable and unenforceable unless the corporation applies for relief from contract voidability and the Franchise Tax Board grants relief. '' See Cal. Rev. & Tax. Code 23304.1. Additionally there are tax fines by the California Franchise Tax Board for entities that violate their forfeiture status. XXXX remains out of business today per the Secretary of State of California and no transfers or mergers have occurred. XXXX, entered into a contract with me in California AFTER the XX/XX/XXXX date for XXXX residential home loan contracts which consisted of Deeds of Trusts and promissory notes. All three residential home loan contracts which consist of Deeds of Trusts and promissory notes at my request as the law provides have been voided. No foreclosure sale can take place by XXXX because the contract ( Deed of Trusts ) are voidable and unenforceable as the California law states. The problem today is that Select Portfolio Servicing , Inc. and XXXX are debt collectors and both companies are conspiring and attempting aggressively and illegally foreclose on my home with a sale date of XX/XX/XXXX. Both claim that they have the right to do that from XXXX and they reference a voided and unenforceable Deed of Trust that was recorded with the XXXX County Recorder AFTER the XX/XX/XXXX date that XXXX as Mortgage Banker and Lender was not allowed to do business in California. Select Portfolio Servicing Corporation started harassing me in XX/XX/XXXX and XXXX in XX/XX/XXXX. XXXX has recorded a Substitution of Trustee document and a Notice of Default and Trustee Sale without my permission, without proper verification and validation of debt, and they are placing themselves into a voided and unenforceable contract that they have no standing or right to be in. I have written both debt collectors and told them in witing to Cease and Desist the foreclosure action and both companies ignore my written letters and documentation of the voided and unenforceable contract. I have also filed a Police Report for Identity Theft against both debt collectors because I did not provide these companies with any of my financial and personal information and they have created an account in my name and without my permission. Here are the names, addresses, and phone numbers for these XXXX debt collectors : Select Portfolio Servicing , Inc., XXXX, XXXX UT XXXX, Phone is XXXX. XXXX, XXXX, XXXX, CA XXXX. Phone is XXXX. I have researched these debt collectors and they are high volume foreclosing businesses active in California.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-23
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: Judge XXXX is leaving a court hearing open for the XX/XX/2017 on calender when I spoke to XXXX court clerk and said it was dismissed twice, however there are cases where they leave this open and steal your property at auction. She has committed treason in open court twice in case. I asked the Court clerk to have it removed and said it was n't necessary. She has no contract. There come to find out was no loan, and forged security instrument non-disclosure lending people back their own Trust Money of the fraud B.C. bond however there is a fund in which they steal from on XXXX derivative market XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes