Date Received: 2015-11-11
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I signed a statement with every complaint stating that the information given is true to the best of my knowledge ; I believe it is a criminal offense to give false information. I believe that the subject of my complaint should be held to the same standard. In Case # XXXX, Select Portfolio Services flatly stated that there was no payoff to XXXX Mortgage included in my " modification '' ( actually cash out refinance ) that XXXX did. As the new servicer, SPS should have had full documentation of EVERYTHING, including the paying off of XXXX Mortgage. They ( SPS ) continued denying paying off XXXX until I sent proof from XXXX Mortgage, as well as proof that XXXX never communicated with XXXX as to the status of my account. Therefore, I would like to add this to my list of complaints : Select Portfolio Services gave you false information in response to my complaint.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2015-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I was sued by XXXX for foreclosure in 2012. I wrote to them to find out who they were, as I had never heard of them and had been making my payments to XXXX. I received a letter from XXXX Vice President stating that since they were merely the trustee of the trust my loan had been sold into ( there is no chain of title showing that this actually happened ), that they could not possibly be the ones suing me and I needed to contact XXXX. All through the lawsuit, I showed the letter and insisted that the wrong Plaintiff was suing me, but I was just run over by the courts. Finally just before trial, we learned that although XXXX had been the servicer, they had handed over the collection rights to a company called Select Portfolio Servicers. It was clear that SPS was the one actually behind the suit by that time, although they were not even involved in the loan at the inception of the case and could not possibly prove standing. The judge in XXXX XXXX, FL was retiring the very day we had the trial, and was clearly more concerned with getting the trial over with than making a good decision. There was no proof provided that SPS had anything to do with the loan, or that they had standing at the inception of the case. I had bank records that showed their accounting was very far from accurate, and even the judge agreed on the record. However, he awarded XXXX the foreclosure and the full judgment amount! We have appealed for obvious reasons, but I just received an offer in the mail last week to apply for SPS 's home retention program where they will see if I qualify for a modification, refy, or some other work-out. I have sent in lots of paperwork so far, and they keep asking for more and different things, but today, my lawyer was contacted by the law firm representing SPS in my case, and was told that SPS was not going to consider me for any of the retention programs unless I drop my appeal! I believe this strong-arm tactic is illegal. Plus, in order to maintain the stay on the sale of the property, SPS has insisted and the new judge with no prior knowledge of my case and its history, has agreed that I need to put up an additional {$75000.00} in security IN ADDITION TO the property they would take if we lose the appeal. I believe this is unfair, as I clearly do n't have the means to come up with that additional security, and now that there may be an option to do something to keep my condo, I am being pressured to waive all my legal rights to an appeal we feel very sure we 'll win under the circumstances. At the very least, the amount owed will be reduced to a reasonable amount ( the current judgment is {$100000.00} more than the original loan amount, and I paid more than was required on payments for nearly 10 years before XXXX engineered the default that got me into foreclosure ), because I have bank records proving their numbers are wrong. We need to go through with the appeal just for the purpose of establishing how much the debt is, if one is owed. Can they threaten me with lifting the stay unless I drop the appeal? There is no guarantee I will qualify for their retention program, and I certainly do n't want to give up my only chance at some logic being applied to this situation via the appeal.
Company Response: Company chooses not to provide a public response
State: SC
Zip: 29072
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: They have still made it impossible to process paperwork and get new buyers into my property. I want to file a suit with the company and go to court over the finding and I have realtors and title company that will testify and verify what has happened here. I have numbers us recorded phone calls and emails and letters all which have led the buyers to walk because they had to wait so long.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2015-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My mortgage was put in to C or lower paper when I had better credit. Since that time, the mortgage was sold and is being serviced by a handling company- Select Portfolio Services Inc . I have made numerous attempts to move to a HARP loan based on the value of my property vs. the current market value. These attempts have been thwarted, as we can not determine who actually holds the loan. This is very frustrating as I qualify for a much lower interest rate over what the current loan is charging.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MO
Zip: 63139
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-08
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: after refiancing my home to purchase the land. i got XXXX to help. they drung me along for months as i was ready to file bankrupcie, they come up with the plan that if i had more money inthe bank, the company would finance me. i did't have any! so they gave me a XXXX check to deposit in my account. then walked out front door of bank and i had to write them a XXXX check back.?? anyway i got the loan. later learned they where run out of town lost there licence. and later the attorney was arrested that handled it all. mean while not to my knowing my loan was sold, and sold, and sold and sold, and witha payment now that when up to over XXXXdollars. i have XXXX a month coming in. tryed every thing i know, hamp, harp, and on and on. now as a XXXX year old that has been on this property for over 20 years there fourcloseing. i am a XXXX vet, my wife has XXXX, and we still have a adopted XXXX year old XXXX son living with us. and now have appox 30 days to get out. as i talked to the people from SELECT-PORT FOLIO. today trying to find a way not to be put out, the young girl i talked to said they would just get the sheriff to put us out. ( WONDREFUL PEOPLE ) there also know as XXXX. please look them up as they only changed there name. look i know there 's nothing you can do, but had to get this off my chest. will print and file with the rest of useless paper work.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2015-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Complaints and Counts against XXXX Bank and Select Portfolio Servicing1. XXXX XXXX XXXX is named on Mortgagor signing under false pretenses without clear definition or directions to do her as to what she was signing. She was told to sign documents ( no initialing ) because of mother 's age ( XXXX XXXX XXXX ) and because there were XXXX alleged judgments listed w/o any account no etc., which had to be satisfied. As much as I recall there was never any clear identification as to whom they belonged too? Yet somebody was paid in the " air '' as I never received any statement of any payment made in full to these XXXX alleged judgments/liens? It is my belief initials were added w/o knowledge as my daughter was not there at the time of the entire closing and signing of documents in XXXX for XXXX at XXXX XXXX XXXX ( no confirmation ) yet it is indicated on original documents from XXXX XXXX including U.S. Department of Housing and Urban Development that {$9300.00} was paid to creditors to satisfy debt and it is also duly noted in Mortgage documents of XXXX XXXX including account numbers. Amount of Modified Indebtedness : {$200000.00} - where are the paid in full for this additional amount opposed to {$200000.00} and yet I have been contacted by the law office of XXXX XXXX XXXX that there is a lien on the house in the amount of {$1600.00} from XXXX XXXX of XXXX that was never paid in which this is clearly stated in original documents that it was paid as in all other debts at that time and yet I never received no confirmation of all these payments? Now, I find out XXXX years later that liens remain on XXXX XXXX XXXX , XXXX , IL XXXX because somebody pocketed the {$9300.00} as is also clearly stated in the court documents that you filed against me on XXXX Court No, XXXX indicating paragraph XXXX ( i ) {$200000.00} was owed. Since I have so much proof of fraud on XXXX Bank and SPS falsified documents including add-on re daughter 's initials and signatures but also stealing money that was supposed to satisfy judgments and other debts, I am requesting that a DETAIL investigation begin before I file criminal charges against all entities involve in federal court on suspicion of mortgage fraud and predatory lending. I will file a separate complaint against XXXX XXXX for allowing a debt over 9 years old to remain as a lien on my property since this was paid in full in XXXX for violation of FCRA & FDCPA! Complaint filed for Breach of Contract under Loan Modification approved XXXX XXXX by XXXX Bank. Loan Modification was approved in XXXX at a reduction of {$1400.00} as signed by VP of XXXX Bank but was never executed in any mortgage statements and therefore I was overcharged for years as clearly stated in court documents yet I made payments on time to XXXX Bank asked for before my mortgage was transferred to SPS in which due to negligence never thoroughly investigated and SPS would had seen this but ignored.The real reason XXXX XXXX XXXX 's name was added without SSN, DOB, Income Verification, and Proof of Income of Debt on Mortg Loan? Because of a judgment that was paid XXXX so XXXX added her name without SSN, DOB and proof on my daughter and it is clearly noted on the XXXX XXXX Commitment Schedule B that they were paying XXXX judgments never asked.Since the Loan Modification was never applied from XXXX to XXXX and my XXXX payment not acknowledged in XXXX, I have been overcharged by XXXX Bank in the amount of {$4100.00} plus interest. XXXX XXXX a 2 hour RECORDED conversation w/SPS, they contradict what they say and their records should be subpoena for clarification as I was offered {$10000.00} Short Sale ( in which I am trying to do that now ) under XXXX, " Cash for Keys '' $ XXXX XXXX my XXXX loan was transferred to SPS w/incorrect info.mortgage of XXXX suppose to have been XXXX never corrected
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AZ
Zip: 85345
Submitted Via: Web
Date Sent: 2015-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-11-06
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: As of XX/XX/XXXX I have been seeking help from my bank .SELECT PORTFOLIO SERVICING, the process was back and forth with documents. During the process, every time I follow up over the phone, representative says that I am not qualified because I have done a modification before and could not do it again. After a year XX/XX/XXXX received a denial letter showing NPV. This year my husband got laid off and all we are seeking is for us to start anew from our behind payments. Started processing application on XX/XX/XXXX and same thing.. 1 ) Documents processing is too long..Thought processing take only 30 to 45 days. but asking back and forth for documents2 ) sent all the application together with the attached documents, bank statements, pay stub, tax return and others. Calls to verify if threy received..said yes but everytime I call to verify or follow up once a week, a new documents needing again. Asked to process because im afraid theres an expiration to each documents categories. My account manager said " NO '' theres no expiration. Then talked to another representative, ,yes there is an expiration. I am still sending documents here and there. Theres a lot of things happen 8 months. Within 8 months they still asking for documents. Last one is the statement..they said that I have not circled my income within the statement. But I circled it previously, keep sending it until wait again for another expired document ... .then theyre going to ask to send again. please..all im seeking is an answer and help. These faxing back and forth is a time consuming and its expensive per document. Please help.. bank statement will expire in another month..and pay stub will expire in one week..and no answer yet. All I receive a call is when they ask for documents to resubmit or say it expire. I hope to hear from you soon..
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The servicer continually claims that the complaint is similar to previous complaints and then proceeds to NOT send the documents requested in the QWR and RESPA request. I have submitted multiple QWR to the lender requesting items required to validate the debt and to validate the actual transfer of the servicing of the loan to them and also to validate the note holder. I also have requested specific information required to validate the accounting that goes ALL THE WAY TO THE ORIGINAL LENDER ( they claim they do not have the accounting of fees, interest, charges, payments that go beyond them and maybe XXXX XXXX XXXX ). Additionally, I requested that the transfer and assignment documents be certified as correct by an executive authority for the note holder or servicer. I have requested that they provide documents showing that they notified me of my opportunity to apply for the National Mortgage Settlement program due to acknowledgement of errors and actions thru the National Foreclosure Fraud program in which there was compensation sent forward to me. The servicer continually avoids sending the requested information in total and then responds as if they have satisfied the QWR and provided all the documents. In short, validation of the debt and facts are not able to be accomplished due to their refusal to provide adequate information. They fail to send information requested and repeated send copies of the original note and then the assignment and transfer document for XXXX XXXX XXXX. THEY HAVE REFUSED TO SEND THE NAME, ADDRESS OF THE INVESTOR OR NOTE HOLDER WHILE CLAIMING THAT the letter received from XXXX is not part of XXXX. XXXX is claiming that they are NOT the note holder and have no records of the property or of me in their complete system. At present, XXXX is showing that XXXX is the servicer of the loan and that XXXX is the note holder. SPS claims that the servicing was transferred to them but will not send anything other than their own letter claiming that the servicing has transferred. They claim that they are not shown as the servicer in the XXXX System because the loan was in foreclosure and it was transferred out of that system due to that. However, there was no foreclosure in place at the time of the aledged transfer of servicing and the audit of the XXXX system requested would verify that along with any removal of the file from their system. In short, the items required and requested repeatedly have not been provided as allowed thru the law. Request complete investigation into the loan and all actions by both XXXX XXXX XXXX and Select XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2015-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have an FHA mortgage with SPS Servicing. I went through a trial modification and was offered a modification that was not acceptable. I have asked for alternative foreclosure prevention that they outlined in their correspondence to me. When I asked about it they said they would not work with me on any of the alternatives. They failed to follow FHA guidelines while foreclosing as they have not offered to meet with me face to face to discuss my modification or alternative foreclosure prevention.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2015-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-11-05
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I lost my husband and I have been devastated the past year, barely able to function. I was told that I could not do anything with this home until the probate went through and approved by the court. Finally at the end of last week it was approved and it was given to you immediately. You have postponed the sale for 30 days to allow the probate to go through and as of yesterday I was told that SPS will not give me 45 days to close this home and to pay them off in full. That they are blaming me for not contacting them in the past year. I have mentally and emotionally being struggling XXXX trying to stay strong for my daughter. I did not understand how this can work and I had a hard time dealing with it. By SPS by foreclosing will be handing over close to {$100000.00} in equity to an investor, this seems like a total mean spirited action. This money can be used to help our raise our daughter, her education and many other things that will be needed. I feel that you have an alternative motive of someone else profiting on this situation. I do n't know what else to believe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2015-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No