Date Received: 2017-03-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Written report to FBI tip XX/XX/XXXX XXXX XXXX Reply| Tue XX/XX/XXXX, XXXX XXXX ( XXXX ) Reporting what I believe is Securities fraud, Grand fraud. I have been notified by a company called Select Portfolio Servicing in the state of Utah and their counsel XXXX at XXXX law firm in XXXX California that through XXXX in XXXX California the auction holder that they have the intention to conduct a trustee sale on XX/XX/XXXX. At the North front entrance County Courthouse at XXXX XXXX California. Although not identified on the notice of sale put on my door the the note was authored my XXXX XXXX conveyed to XXXX then conveyed to a private trust XXXX as trustee for the certificate holders of XXXX and select Portfolio servicing. # 1. The Federal Court in XXXX XXXX found this note of many infractions in Federal Law and illegal lending practices. Reference XXXX XXXX XXXX Lead case # XXXX and I have positive identification my note is included and foreclosure protection rights ordered. # 2. The Secretary of State of California and the Franchise Tax Board on the Department of corporations site XXXX and XXXX are in dissolved, surrender and forfeit status forbidden to do any business in California at any time and the latest most effective date is XX/XX/XXXX all deeds and contract rights voided as of that date forward. The note was authored and sold in California XX/XX/XXXX after later found out bait ans switch technique was operated I have both contracts and deeds # 3. I have pending litigation in the court and the parties all mentioned arranged the sale date previous to the courts attention to the matter and are knowingly perpetrating illegal practices. # 4. If you read and reference the Pooling and servicing agreement as posted on XXXX the Securities and Exchange site in the risks of the investment claim many consumer laws and State Laws are violated my the mortgages held under the trust. It in the risks outlines the stress test witch I know in my case lead to property theft also identity theft in the case of the first named servicer XXXX. Please assist I have written proof of all statements and aware I am under oath. XXXX State of California business : SPS has repeatedly by employees statements it 's not company policy, disavowed to any compliance to California consumer law namely civil code 336 a and the California Home Owners Bill of Rights and make no bones about no compliance with the Secretary of State office in California. In fact noncompliance with the Secretary of State has been repeat offender XXXX and XXXX and is still ongoing in the forfeit of rights of XXXX. This is the same group that senator XXXX brought to California Court and won a sizable settlement in XX/XX/XXXX 49 states settlement " never paid ''! as far as I know. XXXX, SPS Select Portfolio Servicing all hold California licencing and I have tried in modification over 20 times to resolve this problem it 's my home and very dear to me. The price asked for is {$560000.00} even though the loan in terms of California is illegal to operate in that fashion. Please be advised that the sale posting does not identify the trustees as usually done a disclaimer on final price and as far as seen the trustee is XXXX appointed on no secured interest. Please assist I do n't want to lose my home to people who have no rights in California.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SPS servicing has been stalling my loan mod application since XXXX/16. They request documents they already have, they say there is an issue with them when they are 100 % accurate. In many cases I just resubmit the original document and that ends up being approved. The process repeats itself with all other requested documents and I have to wait 5 days for each XXXX to know if it 's been accepted. Once again, they received 100 % accurate information on XXXX/16 and all requests for updated info were not needed since they already had it all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-13
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I applied for HAMP loan modification XX/XX/XXXX. As of XX/XX/XXXX, I still have no decision regarding the modification. In fact, my application is n't even considered complete, as they are once again requesting another new document. I have been very timely returning their requested info, but SPS keeps asking for new Docs. each of these new requests for documentation is to support other previously submitted documents which support the information I provided on my application. The different requests I believe are not informational, but rather a delaying tactic. More frustrating is the fact that I have been told half a dozen times that the underwriters have what they need to make a decision, only to have them request another more obscure document. Dealing with customer service reps has been troubling since it is a different representative every time, so I 've had to answer the same questions over again and again, months apart, and the information they often ask for was included on the initial application. I do not feel this company is operating honestly or competently.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90731
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: on XXXX 2017 my mortgage account with Select Portfolio Servicing was {$79000.00} the next day it was change by account manager to {$80000.00} which is more the my original balance of {$79000.00}. the XXXX of the month is when the SPS reports to the credit reporting agency. I fill a deputes with XXXX to no avail. i have documet which i will upload. please make this mortgage company make this correction.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2017-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-11
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: On XX/XX/XXXX, I submitted a mortgage modification request to XXXX Loan # XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio Servicing notifying me of a loan servicing transfer to their company, Loan # XXXX, to be effective XX/XX/XXXX. I continued to work with Select Portfolio Servicing on the modification request and, today, XX/XX/XXXX, I called to check on the status and was asked to resubmit documents that I had submitted numerous times already. I simply can not believe that this process is intended to take a year to complete and I only hope that there is an outlet to investigate whether this is a fraudulent practice while my credit score continues to be demolished in the interim.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2017-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-10
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Hi, I have received a approval on my short sale, after a year, there was a question on a line item on the Hud, on XX/XX/2017 i emailed the response and explained why the number was on the hud, the second lien holder did not no the loan was haffa approved, so knowing that they are asking for XXXX, I have a date given by SPS of XX/XX/XXXX to close, i was told 5to 7 days to get a answer, it is now XX/XX/XXXX, that was my first complaint, which brings me to this complaint, when i called on XX/XX/XXXX t, and spoke to XXXX he told me because I have sent a complaint to CFBP, that they have to answer that complaint it priority and they have 15 days to do so, i asked what happen to the 5 to 7 days after i sent the answer about the hud, that has been under review for 10 day already? he just kept repeating that the CFPB comes first and that is there priority to answer them, and the review dept i guess stops working, while the Ombusman Dept. answers the complaint. I was also told that in XXXX the {$12000.00} that could of been offered was cut in 1/2???? all I want to do is close on the property and all i need is confirmation, that they will pay the {$12000.00} to the 2nd lien holder.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Dear Sir or madam : I received a permanent HAMP modification agreement for a residential mortgage from sps Select Portfolio Servicing inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah, XXXX and completed my trial payments both timely and in full in XXXX. On XXXX/XXXX/XXXX I received the final modification agreement and on XXXX/XXXX/XXXX, I signed, dated, and notarized it, and I faxed and mailed it to SPS. I complied with the SPS requirement that SPS receive the modification as evidenced by the XXXX/XXXX/XXXX dated stamped copy of the first page of the modification. Since then I have continued to make my payments timely and in full. I also called SPS requently to check on the status of my modification approval, where I was told it was under review. At no time was I made aware that the modification agreement I submitted was in any way inadequate. I was shocked and dismayed to receive a XXXX/XXXX/XXXX Denial letter from SPS claiming that the modification was rejected for allegedly not returning the agreement by XXXX/XXXX/XXXX. There did seem to be an error made by the notary through no fault of my own and as soon as I was made aware of this, I immediately recent the agreement with the missing notary information. I have since been told by SPS on XXXX/XXXX/XXXX from speaking with XXXX XXXX of SPS that SPS now has the XXXX signed notarized and dated copies of the modification agreement that they require and that there was a good possibility that it would be approved. At no time prior to XXXX/XXXX/XXXX did SPS inform me that I needed to anything other than saying that the modification was under review. To be overly thorough, I have since faxed, overnight express mailed, and mailed postage pre-paid certified return receipt requested on XXXX/XXXX/XXXX yet another compliantly dated, signed, and notarized copy to SPS dated XXXX/XXXX/XXXX. In response to the SPS denial letter, I have a since written an appeal letter to SPS explaining and correcting any alleged deficiencies relative to this modication. At this time it is important to mention that SPS has accepted all of my forbearance payments of I believe {$2500.00} for the first XXXX trial period and now is accepting permanent loan modication payments in the amount of {$2500.00}. Also within the 30 day appeal time of the SPS XXXX/XXXX/XXXX denial of modification letter, I have even sent SPS yet another completely compliant signed, notarized, and XXXX/XXXX/XXXX dated copy of this modification agreement : faxed, express overnight mail XXXX sets of originals, and first class postage pre-paid, return receipt requested XXXX more sets of originals. In conclusion, this residential home mortgage modification account number ending in XXXX should be approved as the consumer has expended Herculean efforts to comply with the SPS requirements to meet approval. I have a son with special needs in the school district where we reside. I am a single Dad and both my son and I would be devasted if we were forced to move. Thank you XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX SPS - Home Retention started prior to having home on market from XX/XX/XXXX unable to sell ( 96 days ) as of XX/XX/XXXX Present XX/XX/XXXX have been given the RUN AROUND NOW DUAL TRACKING AS TODAY XX/XX/XXXX WAS TOLD OUR HOME IS GIONG TO FORCLOSE XX/XX/XXXX BUT HAVE LOAN MODIFICATION/HOME RETENTION APPLICATION SINCE XX/XX/XXXX PLEASE ADVISE MY HUSBAND AND I HAVE FAXED OVER 20 TIMES ANY AND ALL DOCUMENTS THEY KEEP SAYING 30 DAYS TO REVIEW SINCE XX/XX/XXXX WE WANT TO KEEP OUR HOME OF 20 YEARS
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am in the process of getting approved for a remodification for my home and I have setup an automatic payment for my home dated for XX/XX/2017. However, today, XX/XX/2017, I had to manually send the payment of {$4400.00} to the Loan Servicer SPS Financial because they still had not debited my account for the agreed amount.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: 1. I had a fire in my home. 2. The insurance carrier issued a check to cover damage payable jointly to myself and the mortgage company. 3. I endorsed the check and sent to the mortgage company. 4. They deposited it and requested I send them numerous docs then more docs. I did but there is no end in sight.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes