Date Received: 2023-07-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, I submitted a request for mortgage assistance to my service provider, Selecting Portfolio Services, ( SPS ) for financial hardship that resulted from me being laid off by my employer on XX/XX/XXXX. My husband is our only income provider an his salary is not sufficient to pay the {$1900.00} mortgage and our other expenses. At the time I submitted the application, my account was current had been in good standing since SPS took over our account in XXXX. We used all of our savings and retirement money to keep our current from the time I was laid off up until XX/XX/XXXX. Since I had not found a job I requested mortgage assistance. On XX/XX/XXXX, SPS accepted my complete application. After that SPS started requesting information that was provided in my original application or provided prior to SPS acknowledging receipt of my application on XX/XX/XXXX, which continued to delayed the evaluation of my application for mortgage assistance. By the time SPS reviewed my application, my account was over 120 days past due. On XX/XX/XXXX I received a non-approval letter for all of the loan modification options. Justification given for the denial was the delinquency status of my account. On XX/XX/XXXX, I submitted an appeal to SPS on the basis of improper management of my application that caused undue delays in SPS timely reviewing my application by requesting information that had been provided in my application, such as the hardship affidavit and unemployment status which contributed to the delinquency status of my account and SPS non-approval of the loan modification and I requested that they reverse their decision. Today, XX/XX/XXXX I received a call from SPS indicating that my appeal was denied. Based on the last property evaluation I received from SPS, I have about $ XXXX of equity in my home. I believe SPS deliberated delayed reviewing my application, because of my financial hardship to force us into foreclosure. Requesting that CFPB investigate this matter and hold SPS accountable for failing to process my application in a timely manner.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023 we send a payment of {$900.00} to Select Portfolio Servicing. We were currently in default at that time and SPS stated they would not take any payments other than cash. We call XXXX about the {$900.00} and the said the sent a paper check back to us on XX/XX/2023. We never received that check so we called again and SPS stated they would file an inquiry about the missing funds. The 3rd time we called we were informed the inquiry was never sent but they would send it again. The 4th time we called SPS informed us that our bank, XXXX XXXX, was holding the funds. We then proceeded to call XXXX XXXX and had a XXXX way conversation about the missing funds as XXXX had never received them. Upon calling XX/XX/2023 they filed yet another inquiry because nothing was in their records. We need this money to be applied to the XX/XX/2023 payment and they continue to drag their feet. We are asking that the {$900.00} be returned and we are asking for the XXXX tort amount for a total of {$2700.00}. We would also like our credit score scrubbed from this company as the hold payments, apply late charges and lower my credit score. This number was given to us by our lawyer.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are facing foreclosure on the home sale date of XX/XX/XXXXXXXX XXXX. Aside from many other problems recently we lost a family member to XXXX XXXX XXXX XXXX XXXX was a resident of this house for 16 year her name is on the deed of this house. In Order to postpone the sale date so that we pay off the loan here is what we did. XXXX. We sent Select Portfolio Servicing proof of where the funds may be coming from. XXXX. We also inform them XXXX XXXX left another property which is up for sale and we intend to use funds from that sale to pay off property at XXXX XXXX XXXX XXXX which is set XX/XX/XXXXXXXX XXXX auction, that was XXXX XXXX last wish XXXX. We also sent them a pre-qualified letter from a Mortgage company that potentially is approved for {$530000.00} to buy this property for us. What SPS did not do : XXXX. Never offered a payoff amount XXXX. Did not offer forbearance option XXXX. Did not acknowledge receiving any of these documents This complaint against their so-called Ombudsman department according to the SPS Ombudsman supposed to help the consumer but sadly reality is something different. SPS is engaged in accruing underperforming mortgage from Banks only to foreclose them but many times they deceived the consumer led to them believe they are help them. The SPS Ombudsman Department is involved in fraudulent practice and we demand a thorough investigation of their activity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Select Portfolio Services denied My legitimate Hardship request and will not provide a reason why I cant be put back on my original repayment plan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I put a complaint to you under the number XXXX, which was closed by the response from SPS, where it said that they had sent a check to my residence on XX/XX/XXXX. To date, the check has not arrived and I called SPS again and they told me that it could have been lost and that if I wanted to, I could open a new case. Already in XX/XX/2022 they had told me that they had sent a check that never arrived. The response that SPS gave you in complaint number XXXX is totally false and they have never sent a check, so I need you to help me get this company to return my money seriously and quickly with interest.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32832
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing ( SPS ) has not acknowledged the extra escrow payments ( {$4300.00} ) that I have made on my mortgage account since XX/XX/2023 in order to maintain my monthly payments to $ XXXX even though I have requested five times for re-assessments five times in the last XXXX months. My discussion with one representative in XX/XX/2023 was that if I made {$5000.00} over the monthly minimum to escrow then when the account was re-assessed in XX/XX/2023 that it would stay the same. To wit, because of the use of outside contractors who work from home there is little or no quality control over communications. Hence, when I spoke to the XXXX XXXX. last XXXX they only lowered the payment by $ XXXX to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91306
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Today, I called SPS Mortgage and spoke with relationship manager XXXX and informed her that my XXXX XXXX and XX/XX/2023, payments for XXXX and XXXX Principal and Interest only of {$200.00} were wrongfully posted under unapplied balance. Her response was that it would take XXXX days to correct the error, that is unacceptable. I stated that I spoke directly with a customer service agent on XX/XX/XXXX and made the XXXX payment and then scheduled the XXXX payment for the next day, XXXX XXXX since the agent stated that they could not take XXXX payments on the same day. XXXX was firm and stating that they send them to the payment department who in turn post it. That sounds as if the payment department decides how they want to allocate my funds, which is false, I decide. Also, they report erroneously to the credit reporting agencies based on their inaccurate decisions. Why as a consumer am I making payments to have SPS mortgage payment department servicing my loan for them to do what they want with my specific payment request ( XXXX )? This is not the first time this has occurred with SPS Mortgage Servicing , Inc. chooses to give excuses for their misconduct in handling my mortgage payments. I have yet to get my escrow account corrected from where they misappropriated funds that I clearly requested to me added to my escrow account over 8 months ago. Refusal ongoing in both areas gives false balances, false monthly statements, false narratives, false credit reporting and all this damages me as a consumer. This ought not be.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I would like to explain that I deliberating between two programs, and I couldn't accept both. One was a modification with my current servicer, and the other was GA Assistance Home Modification that my Servicer Recomended. I am process in getting the paperwork from my daughter at this time regaurding her XXXX so that I could provide GA with Paperwork. This a work in progress. Below I have attached my report for your records, inicating why there is delay. During Covid I had a hard time renting my home due to covid restrictions, and lack of internet.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am XXXX of the XXXX XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX XXXX are XXXX legal residents whose name is in the Deed and they have been maintaining their residence here since XXXX. Recently XXXX XXXX passed away, at the time of her death she was in active XXXX after her XXXX XXXX was dismissed. Her XXXX stayed the XXXX attempt by Select Portfolio Servicing. Unfortunately, XXXX XXXX, a law firm representing XXXX notified us that our property was scheduled for XXXX on XX/XX/XXXX we didnt receive the letter until XX/XX/XXXX we werent given 30 days as per FDCPA to verify the debt. Soon after learning about the sale date we have written to XXXX of SPS their XXXXn Department and send some document to show the proof of XXXX XXXX death along with some documents to show that if we get one postponement we might be able to secure the finance to pay off the house furthermore we send a prequalified letter to show we have a qualified buyer who is ready to buy the property. But to our dismay they are pursuing XXXX with no interest to help us retain our home. Their XXXX Department is supposed to help consumers, but their act makes them look like they are ingenious, and they have no intention to help consumers. It's a shame. We like you to help us with this difficult situation to save the roof over our head while we are mourning for our loss.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have requested the Select Portfolio Servicing to review the issues and errors handling my mortgage account ( please ref. XXXX ). I have finally received the reply on my request on XX/XX/XXXX! It took a lot more than 60 day admission. I am replying to the company with repeated request to refund my prepayment penalty as I was forced to pay out my mortgage asap because of all the financial distrust they have created by XXXX ) not beeing able to identify the charges on my account and itemize the charges on the statements ( pls ref to the document copies attached ) XXXX ) adding my hazard insurance payments to my escrow with unexplainable up charges without a valid reason and without my consent. XXXX ) unacceptable customer service- countless dropped calls, not returned calls, customer service representative luck of competence and inability to address any questions regarding the additional charges, XXXX ) the representative variable explanations on my account charges, XXXX ) errors and discrepancies on my account ( e.g. my name misspelled, etc. )
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A