Date Received: 2017-03-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was in the remodification process with my previous mortgage company, XXXX. My loan was sold to SPS. I was not aware of this until I recieved a letter nearly 6 weeks after the purchase. As soon as I was aware, I reached out to SPS to let them know I was in the remodification process with XXXX, and to see how I could proceed. They told me that they would continue to process, and that the could use the information and forms from XXXX. That was the case until late XX/XX/XXXX, when they told me that I would have to start the process all over, using their documents and paperwork. I got started on this in XX/XX/XXXX, knowing that there was a sale date for my property soon. It had been a long time since I started the remodifciaiton process. The original housing agency I was working with ended up closing, which forced me to do this on my own with XXXX. SPS said to get my packet in before the XX/XX/XXXX, and they could postpone/stop the sale until my remodification packet was reviewed. Even if it was n't correct or if they needed additional information, they could get that later, but that it was most important to get it in. I did, and spoke to someone at SPS on XX/XX/XXXX who told me that paperwork was sent to the attorneys to postpone the sale. Since XX/XX/XXXX I spoke to SPS on several occasions as they needed different paperwork and documents. On XX/XX/XXXX I received a letter via mail that my property had been sold on XX/XX/XXXX. This was baffling to me because I was told the sale had been postponed, and because I had spoke to SPS multiple times since then. On XX/XX/XXXX I spent the entire day talking to SPS, HUD, my Housing Agency ( Transitions ). On XX/XX/XXXX, my final call with SPS, I was told they were putting in an escalation to have the sale resended, as it should not have been sold, and because my remodification was still under review. Additionally I was informed that XXXX sold it, and bought it, so it was still with SPS. I was advised to call every few days to check for updates, which I did. I was originally told that it would take 10-14 days for and update or action. On XX/XX/XXXX I was told that it would actually take 4-6 weeks. When I called on XX/XX/XXXX it was as if the escalation never took place. SPS told me the escalation to resend could not move forward without HUD 's approval. HUD made clear this was an issue with SPS and they could and should resend it and allow the remodification to be reviewed. Both HUD and my Housing Agency suggested I contact you, the attorney general, and an attorney as they felt like SPS had n't gone through the correct process, and had not communicated with me, and sent me around in circle. Additionally, SPS has NEVER, EVER reached out to me. I have never, ever spoken with my assigned relationship manager. They only communication I have had with SPS is when I call them, even though I have made perfectly clear that my number is and independent, private number where they can leave a message. SPS has never reached out to me. And, I get conflicting information every time I called.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46268
Submitted Via: Web
Date Sent: 2017-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The lender is in violation of RESPA due to not postponing the FC sale set for XXXX/XXXX/17 - as of XXXX/XXXX/17 the lender deemed the package complete and are not requesting any docs for the review - Sale should have been postponed around XXXX/XXXX/17 when they stated the package was complete.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: The lender failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). the lender has also not allowed the clients counsel to assist the client in retaining the home
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I am seeking a Deed in Lieu of Foreclosure. I began the process in XXXX XXXX, and all documents were submitted and accepted by the mortgage servicer. In late XXXX XXXX I was informed the request had been conditionally approved. For the past five months I have received letters from the servicer stating they are actively working on my account and I should have answer within fifteen business days. The letters usually arrived every three or four weeks. I received a letter from the servicer dated XXXX XXXX, XXXX stating my request for a Deed in Lieu of Foreclosure resolution was denied. I believe the servicer unnecessarily delayed a final decision until after the Home Affordable Foreclosure alternatives ended XXXX XXXX, XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: ME
Zip: 045XX
Submitted Via: Web
Date Sent: 2017-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I filed for Bankruptcy Protection and the bank still foreclosed on my home!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2017-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I received a Loan Modification from XXXX on my home in Georgia in XX/XX/XXXX. XXXX transferred my loan To Select Portfolio Servicing but my modification was not transferred. I was in bankruptcy at the time and the judge had to approve my modification and he did. SPS offered me the opportunity to get a modification in XX/XX/XXXX. I sent SPS a copy of my modification in return they sent me a letter stating that I withdrew my account from the modification process. I did not. I would like for SPS to acknowledge my modification because it is valid. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XXXX HAS INSTRUCTED A 3RD PARTY TO PUBLISH A DEBT THAT IS NOT LEGALLY OWED. This is a Violation of the FDCPA and contempt of Court of the Federal BK Discharge. That XXXX has instructed a 3rd Party to POST ONTO MY DOOR THAT I OWED MONEY OF {$650000.00} when I do not. They have caused to tarnish my reputation, Cause Slander to my Title and this is libelous. They had instructed an Auction Company named as Quality Loan Servicing to Publish this Debt as owed - They instructed XXXX as Attorney 's to Publish a Debt that they knew was no longer considered as owed given the discharge. Then on top of this - during a work out request had wrong figures from prior - during an open dispute acknowledged the dispute ; moved to set a Sale Date by Posting NEW FIGURES AS CLAIMED AS OWED. This is not true this is illegal collection practices. There is an open CFPB Complaint at this time on XXXX for having not credited principal payments made prior to this entire fiasco with XXXX. XXXX has an open dispute since XX/XX/2017 and however during this open dispute since prior to this date - XXXX went behind my back to file a Sale Date AND POST AND PUBLISH FIGURES THAT I DO NOT LEGALLY OWE AND WRONG FIGURES from priorly been claimed pre-bk. That this is tarnishing my reputation and against the FDCPA given that IF they are claiming a power of Sale then they can not make up numbers being owed that are not owed. They can not claim ANY Debt is owed and Can not continue to harm me in this false and illegal claim that violates the discharged figures. This is absolutely causing harm to my well being and has caused immense harm. The unfair business practices are non stop. XXXX failed to provide my mailing to the 3rd party so that this caused the posting to be published in a XXXX page separately posted to further cause embarrassment and ridicule. Posting a Sale and making False Claims. This caused the 3rd party to PUBLISH INTO THE XXXX NEWSPAPER THAT EXACTLY WHERE MY CLIENTS ARE LOCATED. THIS IS RUINING MY BUSINESS PROSPECTS AND FURTHER PUBLISHING A DEBT CLEARLY NOT OWED. This firm has been non stop burying me in paperwork. IN the meantime - The Debt being published claims I owe : {$650000.00} when I dont legally owe this. This is Illegal to publish this as a debt owed. These are slanderous and libelous acts to cause harassment. Their has been no good faith efforts by XXXX NOR XXXX. This has been extensively cruel, abusive and illegal. The facts remain that this shoddy servicing has only caused harm to my property, my property rights, interfered with income and reputation on every scale. During an open review they posted and published this and have continued to act in deceptive ways to cause me harm to my well being.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90740
Submitted Via: Web
Date Sent: 2017-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have already filed several complaints with your agency, all of which end up being closed by the perpetrators indicating that they believe they have abided by the law while the truth is every piece of documentation I have contradicts this notion. Previous complaints have dealt with my reasonable attempt to modify my mortgage over the course 2.5 years in which the mortgage servicer " has played games '' rather than make any good-faith attempt at modification. Recently, after contacting their top compliance officer, I was able to get a " trial modification '' which expressed no clear terms on what benefit I would receive participating in such a program. Therefore I was forced to pass on such a modification. I have been given no reason to believe by the servicer that they or anyone that they are affiliated with has an association with my mortgage. After formally sending for RESPA request with over XXXX questions, the servicer has not provided any substantive answers. Further, my independent research has shown that the servicer has engaged in fraud to attempt to deprive me of my home and profit not only from the bailout money already provided to them, however also additionally profiting by giving fraudulent modification terms to me in an attempt to collect money while their intent is to attempt foreclosure. In researching at the County recorder 's office, I have found over the course of the past several years multiple fraudulent documents filed, in which each of the documents has additional fraudulent acts including forgery ; misrepresentation, and additional acts too numerous to name in this complaint. I have learned that the " pass-through account '' that the servicer has attributed their standing to does not contain my mortgage. I have issued a demand letter to the servicer and have received no response despite the fact that I am highly concerned about a very clouded title. The servicer did however send me a payoff statement which I believe was a further attempt at intimidation to ultimately deprive me of my home. I have substantial equity in my home and an inability to make any move on it as due to the fraud perpetrated by the servicer has clouded the title. I have demanded that the servicer provide me something that proves a non-fraudulent chain of title providing that standing and they are either incapable or unwilling to do so. Again this is only one aspect of many many complaints of illegal activity on the part of this company which has been publicly scrutinized before and forced to close under the name of XXXX. They then reemerged under The name Select Portfolio Services and they are engaging in the same activities that cause their legal troubles under the former corporate name. I will of course file a wrongful foreclosure lawsuit if they should continue these illegal attempts at depriving me of my home, however more importantly I am seeking a way to remove the cloud of title.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2017-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have had a mortgage with XXXX and with SPS Loan Servicing Inc since XX/XX/XXXX I had a complaint which I submitted to CFPB in XX/XX/XXXX which was never resolved. I signed a Mortgage Modification with XXXX in XX/XX/XXXX and then subsequently with SPS Loan Servicing in XX/XX/XXXX. I have stated to the mortgage holders that my signing modification documents would not alter my claim against XXXX and this claim was initiated before I signed any modification agreement with XXXX and subsequently SPS. I am disputing any arrearages that SPS is now claiming from me because they have not addressed my past claim against XXXX. Please see enclosed letter dated XX/XX/XXXX wherein I have stated that XXXX capitalized our mortgage balance by {$170000.00} since XX/XX/XXXX which outlines the basis of my claim. My past claim number with CFPB was XXXX and it was not resolved with XXXX. I have substantiated these amounts with bank statements and escrow statements from XXXX and submitted them to XXXX. It was my understanding that XXXX submitted the documents to SPS when SPS assumed loan servicing of my loan in XX/XX/XXXX. According to my records, XXXX and SPS owed my mortgage account the amount of {$100000.00} for capitalization of erroneous amounts from payments not credited, excessive interest charged, and excessive escrow charges to the account. I have another dispute with SPS in that they have sent me a Cancellation of Debt Notice for {$210000.00} for the year XX/XX/XXXX. I have received a letter from SPS regarding XXXX on my loan for which I did not qualify and for which SPS granted the amount of {$71000.00} and not {$210000.00}. I have requested them to correct the debt forgiveness amount and so far I have no cooperation from them. Please see enclosed documents substantiating my claim against SPS. They have been submitted to your office in the form of a scan. I am requesting SPS to immediately correct the debt forgiveness form and to credit my mortgage account with the amount I am claiming since XX/XX/XXXX when I first contacted XXXX regarding this matter. My former CFPB claim number was # XXXX. Respectfully submitted, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2017-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Select Servicing is showing me as three months late in the last two years, I have NOT been late and they refuse to correct it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93257
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No