Date Received: 2015-11-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90031
Submitted Via: Web
Date Sent: 2015-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I sent a letter to Select Portfolio regarding my denial for loan modification : XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, I am not sure why I was denied for my modification it was because of my DTI ratio. Your processor gave me a hard time insisted that I had to circle my wife 's because she was considered a roommate. I knew with all the hassle that was given that they was going to refuse me of the modification. The first modification you guys gave me messed me up so bad it took approximately 6 months. Calling back and forth for you guys to assist me regarding of the insurance issue by that time I was rejected and you add your insurance and it was difficult for me to get ahead of my mortgage.I have a copy of the letter that I sent to your company and also spoke to the same law office that remove my name and wife name from deed. They advised me the reason that this is taking so long to add me back to the loan was because the mortgage company did not put in the proper paperwork.I have a XXXX son and I gave them all the necessary paperwork so I am not sure why you stated on your letter due to my debt to income that I was unable to get modified. For loss mitigation you offer me Short Sale or Deed in Lieu of Foreclosure. That is your solution. This is the letter that I sent you 2 years ago and never received a follow-up : XXXX XXXX, XXXX XXXX XXXX, To whom it may concern : This is an ongoing issue with your company. I am being penalized due to your bank error ( Select Portfolio ). I obtain insurance with XXXX per my loan modification request. If you look at my loan history you will see that I have been sending my payments out on time. I contact the insurance dept. at XXXX before the cancelation to let them know what was going on. I was told that I am showing ownership on the account not sure what I was talking about. Well my Insurance was cancelled in XXXX when I called the insurance company again I told them the same thing that I am looking at XXXX County Appraiser 's website and Owner Name is XXXX. I was given the ATTY for Select Portfolio I have to contact them and let them know what had happened. Really ok I will do your job no problem. I contacted the Attorney ( Actually your attorney that filed the foreclosure ) I was told that Select Portfolio never filed the appropriate paperwork so the courts can not reverse the name.I did receive a letter from the court that they have filed " MOTION TO CANCEL XXXX XXXX, XXXX FORECLOSURE SALE, VACATE FINAL JUDGEMENT, DISMISS CAUSE OF ACTION, DISCHARGE LIS PENDENS AND TO DIRECT CLERK TO RETURN ORIGINAL LOAN DOCUMENT.I was told that this process would take 30 to 45 days. Well I received a letter from select charging a ridiculous amount on my mortgage telling me that I refused to get insurance. Well technically is due to your negligence not getting the paperwork to the courts to remove your name as the property owner and taking their name off. I am paying for it and I pay big for it so that is why I fell so behind.Today its XXXX XXXX, XXXX spoke to XXXX my loan no updates or actions were taken to get this loan back on track. So I was transferred to XXXX XXXX customer service department. I am not sure what is going on with you guys on your end. Not only you are taking your sweet time getting this resolve you are charging me a tremendous amount. I would like the late fee waived off my account. Looking at my credit SPS still have not updated my credit report. It seems that your company it setting up for failure. Please contact me once the outcome has been taking care of.This is the letter that I sent to your company and so I decided to file for another modification I have a steady job so does my wife and I was denied for the modification. I want to keep my home and make it affordable.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2015-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-28
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: We have been trying to reach SPS Servicing for a HAMP modification but have not been successful reaching them or getting them to send us the paperwork.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: 10465
Submitted Via: Web
Date Sent: 2015-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-27
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: account is in bk and they reported everything negative on my cbr i have contacted them a few times trying to get this matter taken care of and have dealt with the rude collections folks who still try and collect on this XXXX balance paid off account
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76014
Submitted Via: Web
Date Sent: 2015-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-26
Issue: Settlement process and costs
Subissue:
Consumer Complaint: supporting documents for case # XXXX and # XXXX. In the attached documents they prove my wife was XXXX XXXX. Included is our marriage license. XXXX XXXX committed ID theft and forged my signature. Her actual name is XXXX XXXX. It is how they hid the loan documents from me. I made SPS aware of this and with the police report and they are continuing to defend the fraudulent loan. look at the dates. My marriage Cert is XX/XX/XXXX. XXXX XXXX Fraudulent faxed letter is XX/XX/XXXX. A clear pattern established of forged documents and ID theft and the bank is denying it. I demand an investigation into the origins of this loan. Please assign me an investigator. I am waiting on the DA and Federal Attorney to do there job but see a civil case as my rights have been violated civilly. Thank You XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 93021
Submitted Via: Web
Date Sent: 2015-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: FOR THE LAST 18 MONTHS WE HAVER REQUESTED A HARP LOANBASED ON OUR INCOME OR PRINCIPAL MODIFICATION. WE HAVE BEEN GIVE TRAIL MODIFICATIONS AT OVER {$4000.00} PER MONTH WE WANT TO HAVE A AFFORDABLE LOAN SINCE HOUSE IS VALUED LOWER THAN MORTGAGE LOAN
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-25
Issue: Loan servicing, payments, escrow account
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. In addition to this I have completed a request for modification affidavit and sent this to Select Portfolio Servicing, Inc. in XXXX I have received no response to my request for loss mitigation options. Instead, SPS has elected to put my home up for auction on XXXX XXXX, 2015. I feel this is a gross violation of my rights according to XXXX Code XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2015-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I had an agreement to resolve my loan via " deed in lieu ''. The loan processor required me to vacate on XXXX/XXXX/15. They with held assistance until XXXX/XXXX/15.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33908
Submitted Via: Web
Date Sent: 2015-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: select portfolio services reviewed mortgage and taxes in XXXX.they said my county taxes increased to more than XXXX dollars. after a long lenghy battle and a complaint to you i recieved a decrease in my mortgage to XXXX a month this years statement say i owe XXXX in taxes because of ashortage in my escrow .my payment is now XXXX a mortgage pay ment increase of XXXX. XXXX i am a XXXX .how do i pay this because all they want is my house.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2015-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-23
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My wife and entered into a HAMP Tier 2 " Trial Payment " modification with our new mortgage company. We applied for this program due to my on going XXXX from several XXXX and lose of my income. We both reviewed the Trial Modification and were excited to see through this agreement the Lender agreed to drop our interest rate and give a '' Forgiveness " of {$42000.00} ( line # XXXX ) of Trial agreement papers. This was only if we started making these trial payments on time for 3 months, which we did. This was our chance to see a future with XXXX young kids. Than after receiving the " Permanent Modification '' we noticed that the extended our mortgage from the remaining 20 yrs. 5 months to a 40 yr term but only deferred the $ XXXX plus to the end of our loan. This was not what we were presented when we entered into agreement. I called my Representative and voiced my concern. After feeling deceived and pressured into signing the permanent modification papers, I called Customer Service again before sending in final agreement. After feeling forced to sign agreement we signed this agreement " UNDER PROTEST ". I keep getting the run around being told that those papers sent with my trial agreement they ( company rep. @ Select Portfolio Servicing ) wish those documents stating the NPV papers sent to government for HAMP program approval not be sent to the customer. I asked why not, she stated it causes a problem for her dept. in explain this to customers. Why wo n't you send them? Our government requires them to be accepted into the program ( which we have tried for years to get approved ). I think we have the right to know what we are entering into. I understand this conversations are recorded and I politely laughed saying, " than why would my family want to stay in our home if SPS is not willing to help besides lowering interest rate and still owe {$42000.00} plus at the age of XXXX when my balloon payment comes due ''. She did n't seem concerned at all and jumped in offering us a program to move with {$10.00} K to help us move. SERIOUSLY, I am fighting to keep my home lady. Our home under valued. It is valued at {$130000.00} according to SPS & We owe {$190000.00}. Being under water by $ XXXX is not where I hope to see myself after living here 17 years. THIS IS WHY WE APPLIED FOR A HAMP PROGRAM. Why does n't SELECT PORTFOLIO SERVICING read what the program is designed to accomplish ... ... This has makings of a Cival Suit written all over it ... I am sure we are not the only ones. Funny, it 's like a bait and switch type deal. If you present this to the government what the Lender has agreed to than you ( SPS ) need to honor what this program is setup for in helping Americans.. Unfortunately, Select Portfolio Servicing has NOT been helpful at all ... We feel that after all our hard work and living in our home for 17 years, raising XXXX kids has gotten us nowhere. The call it the " HOPE NOW PROGRAM '' and THANKS TO SELECT PORTFOLIO SERVICING for taking the wind out from under our wings. Ca n't wait to chat with our local State Senator about this, I 'm sure she will enjoy taking this back to Congress. THANKS SELECT PORTFOLIO SERVICING , INC FOR THE OUTSTANDING CUSTOMER SERVICE AND HONESTY. SELECT PORTFOLIO SERVICE, YOUR THE BEST : ( NOT
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63011
Submitted Via: Web
Date Sent: 2015-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes