Date Received: 2015-09-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-18
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Plaintiffs, at all times relevant to this complaint are owners of the real property known as XXXX XXXX XXXX, XXXX, CA XXXX ( hereinafter " Subject Property '' ). Plaintiffs acquired a home mortgage refinance loan forthe Subject Property from lender, XXXX XXXX The mortgage loan was secured by a Deed of Trust executed on or about XXXX XXXX, XXXX. Defendant SELECT PORTFOLIO SERVICING ( hereinafter " BANKS '' ), is the mortgage servicer of the XXXX secured lien and the purported beneficiary of the Deed of Trust used to secure the mortgage loan to Plaintiffs to purchase the subject property. Sometime in early XXXX XXXX, Plaintiffs received a Notice of Default from XXXX XXXX XXXX after having bought the loan from XXXX XXXX. Plaintiffs have attempted to short sell this property under the government Home Affordable Foreclosure Alternatives program, but has been unable to do so. On or about XXXX XXXX, SELECT PORTFOLIO SERVICING issued a Notice of Default against the Plaintiffs after having bought the loan from XXXX XXXX XXXX. Despite continuous efforts for the Plaintiffs to apply for a short sale for the defaulted note, the multiple lenders involved have not cooperated to date and have continually put the property up for foreclosure auction without legitimately reviewing the Plaintiffs for a short sale.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91401
Submitted Via: Web
Date Sent: 2015-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My mortgage is with Select Port Folio I have attempted to modify my mortgage several times. I want to keep my home I want to modify this mortgage. There is a foreclosure saledate set for XXXX, 2015. Please assist me with saving my home. My husband and I divorced and I was awarded the house though the divorce.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2015-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-17
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have tried to get a loan modification for over 2 years and the bank always asks for more documents. We always send everything on time. Now Select portfolio Servicing is saying they will no longer give me any workout options. HOW MUCH LONGER WILL I HAVE TO TRY TO GET A LOAN MODIFICATION? It should not take over 2 YEARS to get a loan modification. This company is not doing anything for my benefit but only for theirs. They placed my home on foreclosure and this is a very big threat to me and my family. I have tried and tried to get a loan modification with them and they will not give me XXXX. They always say, we need this and this and this and once it 's too close to the sale date they say ooops sorry it 's to close we ca n't do anything for you now.I make {$3300.00} every month it 's enough to make payments and quality under the Government HAMP modification program. I have a close friend who recently got a loan modification from XXXX XXXX XXXX ; she has a very similar situation as me. Same size house, same year, and same loan amount and she received a loan modification payment in the amount of {$670.00} a month. Why ca n't I qualify when I receive more money than her? They are violating the " California Homeowner Bill of Rights '' law. " CALIFORNIA HOMEOWNER BILL OF RIGHTSThe California Homeowner Bill of Rights became law on XXXX XXXX, 2013 to ensure fair lending and borrowing practices for California homeowners. The laws are designed to guarantee basic fairness and transparency for homeowners in the foreclosure process. Key provisions include : see : XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2015-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-16
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NY XXXX Email XXXXDear Honorable officer, This complaint is about fraud upon both federal courts in XXXX XXXX XXXX Y & fraud upon XXXX Supreme court of XXXX County XXXX XXXX NY. Principal parties in commission of these acts of fraud are -- 1 ) Select Portfolio Servicing, SPS, XXXX XXXX XXXX XXXX XXXX UTAH XXXX & 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. XXXX ) XXXX XXXX Bank is parent company of SPS with address XXXX XXXX XXXX, XXXX NY XXXX. 4 ) Attorney XXXX XXXX is with XXXX XXXX XXXX XXXX XXXX XXXX XXXX address XXXX XXXX XXXX XXXX XXXX. Since fraud upon XXXX county Supreme court is being committed across interstate lines of commerce, ( XXXX XXXX is in XXXX & Select portfolio servicing ( SPS ) is located in XXXX XXXX XXXX & both parties are in cahoots to knowingly commit fraud upon federal court & also state court as well ) such actions still fall under federal jurisdiction/Law enforcement. Moreover mortgage fraud which violates federal laws & banking fraud ( operating without O.C.C. license as XXXX XXXX XXXX XXXX. ) is again domain of federal law enforcement. As you already know I made complaint in person with F.B.I offices in XXXX XXXX office in around XXXX. I also made written complaint to Criminal Section of the Head office U.S. Department of justice in XXXX XXXX For full disclosure please allow me to add that I am going to be filing XXXX copy of this complaint with Chairman of senate Judiciary committee in XXXX XXXX with copy to each senate member on the Judiciary committee. Copy of this complaint is also being sent to Chairman House judiciary committee in XXXX XXXX. UNITED STATES IS ON FIRE WITH SUCH RAMPANT MORTGAGE FRAUD & JUDICIARY COMMITTEES HAVE TO BE INFORMED FOR PUBLIC INTEREST/PUBLIC GOOD BECAUSE SENATE JUDICIARY COMMITTEE IS HIGHEST OVERSEER UNDER THE CONSTITUTION. The biggest insult to federal courts & federal judiciary is WHEN ATTORNEYS ( WHO ARE COURT OFFICERS IN NYS ) ARE COMMITTING PERJURY IN FEDERAL COURTS UNDER THE NOSE OF THE JUDGE NEXT TO THE AMERICAN FLAG & ACTING LIKE THEY ARE ABOVE THE LAW. Sad part is that this fraud ( committed by XXXX & SPS ) has continued to this day & it is my duty to give you current update. In addition as you already told me that it is my obligation to complain to the federal judge on the case as well ( since case is open ) about this fraud upon federal courts. XXXX XXXX XXXX in his latest scheme to deceive the federal judge wrote letter to Honorable Judge XXXX XXXX on XXXX XXXX for routine extension of time to file answer for QUIET TITLE ACTION CASE # XXXX ( see exhibit XXXX ). Every submission is made under penalty of perjury in federal court. XXXX XXXX XXXX lied to federal court when he failed to tell the judge in his affidavit to the court dated XX/XX/XXXX that his own office in XXXX city had received & signed for summons & complaints on XXXX XXXX & that 21 days later time to file answers had expired. 2 ) In addition C.E.O. of Select portfolio servicing had received summons & complaints on XXXX XXXX & 21 days later time to file answers had expired. 3 ) The principal party XXXX in this case had received summons & complaints -- -- see full complaint XXXX XXXX MD
Company Response: Company chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2015-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am under a unlawful, deceptive, and discriminatory foreclosure practices and the company SELECT PORTFOLIO SERVICING INC . the system is not taking any attachments at all & gt ;
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2015-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-13
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My previous lender acknowledged they made a mistake in charging me over {$21000.00} for taxes I did not owe on my house in XXXX, which forced me to modify my loan. They charged me over {$53000.00} in interest on the loan modification. They admitted to the error and took the {$21000.00} off my account but did not take the interest off the loan, nor did they take the loan modification off, which I would not have ever needed. Now, I am unable to obtain a loan for a home in XXXX after relocating for my job, because of the error of XXXX XXXX XXXX on both my mortgage payoff quote, and because they are reporting a loan modification on my credit report. I believe this is a violation of the Fair Credit Reporting Act, and I must have this resolved in the next 10 days because I am in escrow. To avoid resolving the issue, XXXX XXXX XXXX sold my loan to Select Portfolio Servicing, who is now documenting the erroneous amount in excess of {$53000.00} as part of the principle.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2015-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this account appeared on my credit and is not mine was opened due to my identity being stolen i have listed this on an identity theft report from the ftc that has been notarized and also this unknown acct is on my police report yet this company conitinues to report and retain this account with my name fraudulently it needs to be remopved
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2015-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-10
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I became aware that SELECT PORTFOLIO SERVICING INC Also know as XXXX, SUCCESSOR TRUSTEE TO XXXX, XXXX, AS TRUSTEE XXXX OF STRUCTURED XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MORTGAGE PASS-THROUGH CERTIFICATES SERIES XXXX with the aide of XXXX filed a fraudulent ASSIGNMENT OF DEED OF TRUST with the Recorder of Deeds for XXXX know as instrument number XXXX. This document has forged signatures for a XXXX XXXX and forged signature for a notary XXXX XXXX XXXX that also has a fake internet purchased notary stamp. I do not have a contract with these people and I am requesting that the CFPB start to investigate this criminal matter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2015-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-10
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SPS Loan # XXXXBorrower : XXXX XXXX XXXXProperty Address : XXXX CA XXXXShort Sale Package was submitted XXXX/XXXX/2015. The foreclosure date is set for XXXX/XXXX/2015. SPS is refusing to evaluate the borrower for a short sale or even postpone the foreclosure sale date. Why did it take 15 days for SPS to make the NEW determination that they were not going to work on the file? We request that all of the servicing notes on this file be pulled by the CFPB and examined not only for federal compliance, but also for California Homeowner 's Bill of Rights compliance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2015-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No