Date Received: 2023-04-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've been with Select Portfolio Servicing for over 10 years and have carried an escrow account with them. They have continued to miscalculate/ forecast my necessary amount to pay for taxes and insurance despite this longevity. Typically year after year they have notified me of a shortage due to this poor ability to forecast on their part and have me pay catch up payments over 24 months. This year they have once again miscalculated my estimated escrow and instead of having me pay catch up payments over 24 months, have a new policy that I must pay these over 12 months. This has increased my payment over 15 % ( {$340.00} a month ) which is something I can't afford given the current environment with inflation. Please investigate this companies escrow practices to find ways to improve this so others aren't harmed as I have been.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a victim of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX along with XXXX XXXX XXXX and U. S Bank are trying to steal my paid-for home. Judge XXXX XXXX XXXX is allowing this to go to trial even though my mortgage is satisfied and I overpaid on my mortgage several times. Please help me I am a victim of a case that was already handled by A.G. Schneiderman Announces {$4.00} Million Settlement With New York Foreclosure Law Firm XXXX XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX A.G. Schneiderman Announces {$4.00} XXXX Settlement With New York Foreclosure Law Firm XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX XX/XX/XXXX, NEW YORK - Attorney General Eric T. Schneiderman today announced an agreement with XXXX XXXX XXXX XXXX. ( XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX, and XXXX XXXX requiring them to pay {$4.00} million to New York State in penalties, costs, and fees, which will be used in part for programs that offer assistance to homeowners facing foreclosure or victims of predatory lending practices. The agreement stems from abuses in their foreclosure-related legal work. XXXX XXXX founder XXXX XXXX XXXX and managing partner XXXX XXXX also agreed not to represent lenders or servicers in new foreclosure-related cases for two years. Until ceasing most of its operations on or about XX/XX/XXXX, the XXXX XXXX was the largest foreclosure firm in New York State. Between XXXX and XXXX, the XXXX XXXX filed over XXXX foreclosure proceedings. It represented many of the largest servicers of residential mortgage loans, including XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. XXXX was formed by XXXX XXXX XXXX in XXXX to handle the bulk of the XXXX XXXX highly compartmentalized foreclosure process. None of the XXXX employees were attorneys.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: HELLO ENFORCEMENT UNIT! I will like to file a FINANCIAL CRIMES WITH MORTGAGE NOTE, SECURITIES, TITLE, ASSIGNMENT BIG BANK FINANCIAL RESIDENTIAL MORTGAGE BACKED SECURITIES FRAUD, FRAUD ON CIVIL TRIAL, SUPERIOR AND SUPREME COURTS WITH PURJURY, MISREPRESENTATION AND MISCOMMUNICATION OF LEGAL DOCUMENTS WILL ILL INTENT TO HARM MY BODY FOR A PROPERTY AND TRANSACTION THEY HAS NO LEGAL STANDING OR RIGHTS TO CLAIM. PLEASE HELP SAVE MY HOME. My name : is XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Mortgage Purchased XX/XX/XXXX for {$110000.00} Refinance : XX/XX/XXXX for {$170000.00} I AM CURRENTLY FIGHTING FORCLOSURE WITH A SHERIFF SALE DATE OF XX/XX/XXXX due to a FICTITIOUS PREDATORY LENDER TRYING TO STEAL MY HOME BY CAUSING FRAUD ON THE CITY OF XXXX COURT SYSTEM INCLUDING MISINFORMATION AND MISREPRESENTING COMMUNICATION, COMPLIANCE STANDARDS UNDER CONTRACT LAW, PERJURY AND VIOLATION OF MY RIGHTS! Proof of Standing has not been proven. MULTIPLE BREAK IN CHAIN OF TITLE SINCE XX/XX/XXXX IN WHICH I WAS UNAWARE, DID NOT APPROVE OR REQUEST. Complaint in COURT OF COMMON PLEASE OF XXXX, SUPERIOR COURT OF PENNSYLVANIA AND THE SUPREME COURT OF PENNSYLVANIA ARE HAS FRAUDULENT FAKE DEED, FAKE NOTE, FAKE ASSIGNMENT, FAKE MORTGAGE, FAKE GRANTORS, NO PROOF SECURITIZATION OF SECURITIES EXIST, NO PROOF OF OWNERSHIP IN SECURITIES, TITLING OF COMPLAINT IS INCORRECT as IT HAS NO MENTION OF ORIGINAL MORTGAGE COMPANY and XXXX XXXX XXXX IS A FAILED BANK/MORTGAGE COMPANY since XX/XX/XXXX AND THE CHAIN PF TITLE WAS NEVER PERFECTED. Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX PM XXXX To : Records Info XXXX, XXXX, XXXX, XXXX Cc : XXXX Subject : XXXX : XXXX FRAUD ON COURT - TITLE/DEED FRAUD - FORECLOSURE SCAM BY PREDATORY LENDER WITH A USA CONSENT ORDER FOR UNCLEAN HANDS AND FINANCIAL CRIMES FRAUD FYI- TITLE INSURANCE Claim has been submitted and its currently pending. CHAIN OF TITLE BREAK ISSUES OVER 7 times since XX/XX/XXXX FALSIFICATION OF DOCUMENTS FRAUD ON COURT FOR THREE JUDICIAL COURTS NO STANDING NO EQUITABLE INTEREST NO PROOF OF SECURITIZATION OF SECURITIES EXIST NO PROOF OF OWNERSHIP RIGHTS TO SECURITES CITY OF XXXX FAILURE TO PROVIDE JUSTICE OF FAIR TRIAL CITY OF XXXX FAULTY SYSTEM CAUSING DOMESTIC AND FOREIGN CYBER ATTACK ON THE WE THE PEOPLE I DEMAND JUSTICE. I HAVE TRIED TO CONTACT ECONOMIC CRIMES UNIT AT THE XXXX XXXX XXXX OVER 25 times since XX/XX/XXXX! All I get is voicemails. WHO IS HELPING THE VICTIMS? XXXX ONLY HELP GOVERNMENT OFFICIALS AND CRIMINALS!! I am ASHAMED TO BE A XXXX AND A RESIDYOF THE COMMINWEALTH OF PA! I BEEN TORTURED BY THE BIG BANK CRIMINALS ON THE COURTHOUSE CLOCK AND WITH THE NEGLIGENCE OF THE COURT JUDICIAL SYSTEM! STOP DEED AND FORECLOSURE FRAUD! Begin forwarded message : From : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX PM XXXX To : XXXX, XXXX Cc : XXXX Subject : XXXX XXXX CLAIMS DEPT! I will like to start a claim and I would like a copy of my Title Insurance policy. PLEASE HELP SAVE MY HOME. My name : is XXXX XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX Mortgage Purchased XX/XX/XXXX for {$110000.00} Refinance : XX/XX/XXXX for {$170000.00} I AM CURRENTLY FIGHTING FORCLOSURE WITH A SHERIFF SALE DATE OF XX/XX/XXXX due to a FICTITIOUS PREDATORY LENDER TRYING TO STEAL MY HOME BY CAUSING FRAUD ON THE CITY OF XXXX COURT SYSTEM INCLUDING MISINFORMATION AND MISREPRESENTING COMMUNICATION, COMPLIANCE STANDARDS UNDER CONTRACT LAW, PERJURY AND VIOLATION OF MY RIGHTS! Proof of Standing has not been proven. MULTIPLE BREAK IN CHAIN OF TITLE SINCE XX/XX/XXXX IN WHICH I WAS UNAWARE, DID NOT APPROVE OR REQUEST. Complaint in COURT OF COMMON PLEASE OF XXXX, SUPERIOR COURT OF PENNSYLVANIA AND THE SUPREME COURT OF PENNSYLVANIA ARE HAS FRAUDULENT FAKE DEED, FAKE NOTE, FAKE ASSIGNMENT, FAKE MORTGAGE, FAKE GRANTORS, NO PROOF SECURITIZATION OF SECURITIES EXIST, NO PROOF OF OWNERSHIP IN SECURITIES, TITLING OF COMPLAINT IS INCORRECT as IT HAS NO MENTION OF ORIGINAL MORTGAGE COMPANY and XXXX XXXX XXXX IS A FAILED BANK/MORTGAGE COMPANY since XX/XX/XXXX AND THE CHAIN PF TITLE WAS NEVER PERFECTED.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My name is XXXX XXXX and I have a mortgage with select portfolio services since XX/XX/16 and have Never Had Any late Payments, currently Ive been paying $ XXXX {$400.00} weekly and currently my mortgage is not due until XXXX, my mortgage is currently {$990.00} Until I received a call from select portfolio escalation escrow stating that there computer did not direct the proper amount towards escrow causing a {$3000.00} deficiency, I could lose my home. I am XXXX XXXX XXXX on a fixed income and I should not be made to suffer because of there computer. XXXX XXXX offered NO RESOLUTION that would make me whole again instead of cause me a Hardship!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Servicing, XXXX had misapplied payments, not applied payments, not calculated basic accounting practices, and not corrected loan accounting errors when notified. Select Portfolio Servicing XXXX XXXX has predatory loan practices, mortgage abuse, negligent behavior, fraudulent practices, and XXXX behavior. These predatory, abusive, fraudulent and XXXX practices are used to bully people into excessive and higher servicing fees, legal fees, and interest rate costs. See attached letter.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX Select Portfolio Services ( SPS ) and ( SPS ) thru XXXX, XXXXXXXX XXXX and possibly XXXX are buring me in mortgage processing payment increases year after year..I paid their ridiculous amount, now think being transfered to SLS, XXXX XXXX reporting updates untrue/crashing credit so can not refinance and XXXX never gave me a contract and wrote a fake cancelation but telling new company my contract expired likely to get me back into courtexpired ... its not even XXXX, its another Portfolio scheme..It is a XXXX loan from XXXX and owe XXXX its just crazy ... I had to call to find out was cancelled..total mismanagement... .I 've been getting a flurry of letters thst look like same software SPS uses saying been a data breach..Crazy as XXXX ... SPS is a XXXX XXXXXXXX ... I paid XXXX payment on time and saying late, I closed account out but still open..my limit was XXXX but then shoes paid XXXX then said my limit was XXXX so can reduce to XXXX its a total collision within the kind of mortgage it was before SPS took it over ... XXXX by far the worse..to say cancelled any check on way with no notice, no check and then expired XXXX and was never a policy anyway. All XXXX..hocus pocus
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60402
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am seeking remedy and compensation for my previous home at XXXX XXXX XXXX XXXX, FL. XXXX, from Wells Fargo {$2.00} XXXX dollar settlement under Consumer Financial Protection Bureau. I had applied for a loan modification for my home with XXXX XXXX XXXX and Wells Fargo Bank and was denied. My attorney filed a complaint with Consumer Financial Protection Bureau, which is the attachment provided. I am a consumer that was harmed by Wells Fargo Bank for illegal activity and wrongful foreclosure of an auction sale of my previous property on XX/XX/2019. Please review my compliant, because I think I am eligible for a payment in the settlement.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was declined for a short sale when the loan transferred to Selective Porfolio Servicing Inc in XX/XX/XXXX. The company claim the short sale was declined because the buyer did not meet the $ XXXX, the company BPO had as the value. We requested a full interior appraisal this was not completed until XX/XX/XXXX .The amount came back at $ XXXX which met the company standard. The FCL sale date was placed on hold and we submitted another short sale packet on XX/XX/XXXX. The file was reviewed and returned for missing documents on XXXXTthe 3rd party send the missing documents on XX/XX/XXXX. Myself and the 3rd party called once a week and agents told us the file was being reviewed. On XX/XX/XXXX a supervisor apologized and explained they never looked at the file because they did not realize they had the missing documents. This is 2 weeks without reviewing a file. They asked for more missing documents on XX/XX/XXXX we sent the missing documents on XX/XX/XXXX. We sent a updated HUD and HOA, There is a cash buyer and we understand the appraisal will expire if we do not get the file reviewed and approved ASAP. We called again and the agents kept saying the file is being reviewed. On XX/XX/XXXX They claimed they received all documents but it takes 30 days to give a approval. I explained time is of the essence. Due to the fact the appraisal is expiring and every month the HOA bill goes up. NO SHORT SalE takes 30 days to be reviewed if they have all documents. I spoke to a agent today. She said they need a updated HOA again after we sent the company 3 since XXXX They want to order a BPO because the appraisal is expiring. This company want to send me in foreclosure when I have a cash buyer and have been doing what is asked of me. I have spoke to agents from the company once a week you can check the notes. I have emailed the documents several times and the company is not reviewing the documents. Spoke to a agent today she asked for a updated HOA. I explained we sent on XX/XX/XXXX she reviewed it and said she will send to underwriting. The company was sitting on the HOA statement they requested for over a month it is XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This company has been harassing me for the last two months. I have not had any rest. During the first month during the transitional period. Documentation are sent showing they did not wait for formal mortgage company to send funds. The calls began on XXXX requested pay-off quote and process begin on XX/XX/XXXX. They took {$570.00} from my account on XX/XX/XXXX and began harassing calls to my home on XX/XX/XXXX @ XXXXXXXX XXXX XXXX, XXXX stated an error has occurred on my account and would be corrected. On XX/XX/XXXX XXXX calls me on XX/XX/XXXX @ XXXX XXXX. concerning the same problem. Again I requested a supervisor, and XXXX states that the error takes ten days to correct. Today XX/XX/XXXX I get another harassing call about due payment. I was informed that my pay-off payment was received on XX/XX/XXXX. I call back requesting supervisor XXXX, concerning this predatory harassment. My bank sent my mortgage pay-off to Select Portfolio Servicing on XXXX and funds were received on XX/XX/XXXX. This business should not be in business.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a mortgage with Wells Fargo. We did the modification and did it right had the proof of payments. And my family was still put out in the streets. This was in 2013 but we have been trying to fight them ever since but have been unsuccessful because at that time they had a servicing company to hide behind.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A