Date Received: 2015-12-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2015-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-22
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 90275
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have numerous bank/mortgage accounts that I make payments to each and every month. Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2015-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE. We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2015-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: DEBT VALIDATION NOTIFICATION : Select Portfolio Servicing Inc. is attempting to collect a debt i, as a consumer, do not owe and i want the CFPB to be witness to my demand for accountability to these criminal actions. i have done everything in my power to shut down these unlawful acts and the FDCPA and CFPB are clear that unsecured debt collectors can not foreclose, and that if a debt is not owed the consumer has protection from these crimes. It is also clear that if a debt is time barred it is also not able to collect and by their own admission this alleged debt they have created is time barred and i have given evidence of their unlawful actions. Select Portfolio Servicing Inc. ( SPS ) is using XXXX XXXX XXXX XXXX as a biased Trustee, an entity that was recording documents in XXXX and XXXX, without having standing to do such. I have given proof of unlawful actions. SPS has no standing, nor does any entity to record any documents against my home regarding these matters and documents of fraud continue to be uttered against my title. Identity theft has been used in attempts to commit grand larceny and i can not allow my private property to be stolen. These entities are claiming to be collecting on behalf of XXXX XXXX Trust, a trust that has no standing by the evidence i have sent all of these entities. i have completed the XXXX XXXX XXXX XXXX and have recorded Notice of Defaults against these entities for their unlawful actions, rendering also, under 15 USC 1635 TILA Rescission i have already verified that the alleged Deed of Trust is to be rescinded and yet the companies continue to attempt to collect a debt not owed, threatening to steal private property. XXXX XXXX is effective for 15 USC 1692 violations. under 15 USc 1692i and 15 USC 1692g i am requesting Account Loan Data from Original lender - verify and validate in affidavit form swearing under penalty of perjury their statements. As of this date SPS and all are in default, without the ability to rebuttal, as they never answered, instead of lawful answers they caused fraudulent documents to be uttered and recorded into the County Recorders office and recorded a Notice of Trustee Sale that is now rescheduled forXXXX XXXX, XXXX i issued a cease and desist and demand for cancellation of the sale and rescission to be honored and all funds returned as required by the Tila Rescission. These entities continue to perpetuate their crimes and it must end. Having met with a title agent and Real Estate counsel who say if these entities do sell the property through grand larceny more damages will be incurred. Title can not pass by fraud and as such i demand accountablity for these actions. The CFPB is the enforcement end for these actions and as such will be witness to the affidavits if produced by the entities who have first hand knowledge of these documents. Without first hand knowledge it is all hear say and not enforceable. ORIGINAL LENDER VALIDATION AND VERIFICATION : they can not take any real property until they answer this Debt Validation Notification and take it to a Federal Judicial district Consumer court and can not do an unlawful non judicial foreclosure action. i have a right to these demands being met and that no debt collector collect from a consumer without proof they have a right to collect and sworn testimony of first hand knowledge to the facts. i will also hold anyone personally liable for any fraud uttered unless these actions cease and are remedied as required. i have been very clear in all communications. This home has been fraudulently stated in documents as non owner occupied, that has been rebutted in affidavit and still continues to be uttered in fraud by these entities and employees personally making false declarations.
Company Response: Company chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-11
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-12-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please refer to CFPB complaint XXXX. SPS continues to harass me through the USPS and refuses to respond to my debt validation and Qualifies Written Request. I do not owe SPS and SPS has not serviced any loan on my behalf.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been making payments on my home mortgage for 15 years and never been late on a payment. When a balloon payment came due, the current service provider told me that I would have to pay the amount in full, or they would foreclose on my home. I could not obtain the large amount of money needed to pay the loan, so I sought to refinance. Select Portfolio Services ( the service provider ) told me they could not refinance the property, that the only option I had was to pay it in full or default and lose my home. I finally found a company that would refinance for me, and began to ask SPS to provide me certain documentation in order to complete the process. It has taken over three months at this time, and it still is in process. The mortgage changed providers numerous times, and along the way it changed from XXXX as the lien holder to XXXX who apparently owns the lien. When I finally got to the point where we could close, the title company obtained a copy of the title on the home, and it showed XXXX as the lien holder. Since all the supporting documentation showed that SPS was servicing the loan for XXXX, the title company asked that SPS provide a document showing that the lien changed hands from XXXX to XXXX, but SPS refuses to do this. I 'm suspecting that there may be no proof of who owns the loan, since SPS can not provide me with any documentation of this simple fact. I called XXXX and they said they had no records of the loan. I called XXXX and they also told me that there was nothing in their records. SPS insists that they have to say that because SPS is the service provider, and only they can divulge information. I should have been able to close on this months ago, and because they will not assist me, I am now behind in XXXX payments and it will soon begin to affect my excellent credit rating. My mother ( who dwells in the home ) receives almost daily calls from SPS asking for payment and threatening to evict her if payments are n't submitted. She obviously is very upset about this, always in tears and being an elderly woman with serious health problems, this is stress that threatens her well being. I just want to close on my refinance, payoff this mortgage and cut all ties with this company. Can they legally prevent me from moving forward by not supplying the necessary documentation? Are n't I entitled to this information? What can I do to hold them accountable?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2015-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-12-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I requested a list of SPS approved appraisers in order to oreder a valuation and XXXX XXXX advised me that is proprietary infomration although they sent me letters stating I have to order from a SPS approved appraiser. IN addition he stated he has to start the process although the letter states I have to order. Also, he stated I can not use a BPO although documentation states an appraisal or BPO can be used. He also stated he can not give me the price of either valuations and that I would just have to order and they will place the billed amount on my account. I have never order an appraisal with out knowing the costs up front. He stated he would look into it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2015-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No