Date Received: 2022-11-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the 2nd time my Mortgage Servicer has not applied my mortgage payment paid by XXXX, that was made on XX/XX/XXXX, in the amt of XXXX, I have 2 more payments that will be made by XXXX, in XX/XX/XXXX, & XX/XX/XXXX, Select Portfolio never Post the ACH Wires in a timely manner this puts my account in a default status threating Foreclosure, and stress on me.. My last complaint was XXXX, which was resolved, I don't want to keep making complaints regarding I would like for Select Portfolio to fix their Posting issues
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I previously applied for a modification XXXX, 2022, my servicer declined advising not enough income, I re-applied XX/XX/2022, I had XXXX submit all my documents for the 2nd modification on XX/XX/2022, within in 7 days Select Portfolio decline my 2nd modification, & I do not understand why, I added my Child support 0f XXXX Dollars on my 2nd requesting, thinking the additional income would help, m first request took 9 months to process my second request took less than two weeks, this tells me that Select Portfolio is not trying to help me save my home, I am a target I have lost trust with the Servicer, they gave handle my account sloppy
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have 2 mortgages with Select Portfolio Servicing ( SPS ). In XXXX 2022, I mailed in the payments for both mortgages for the XXXX payment on both mortgages. SPS applied BOTH payments to only XXXX of the mortgages. I contacted them on XXXX XXXX, 2022 to correct the problem. I was informed from a SPS associate that they would expedite this request and it would be corrected by XXXX XXXX, 2022. I receive up to XXXX calls each day, asking me to make my XXXX XXXX. I was told in a later contact that the calls would stop. THEY HAVE NOT and they have NOT corrected the problem. This happened in XXXX of this year resulting in SPS reporting me to the credit bureaus. My credit score in My dropped XXXX points. I am in the middle of refinancing a property. If this happens again, the refi will be cancelled. HELP ME!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46227
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: In XX/XX/XXXX, I, XXXX XXXX XXXX, also known as XXXX XXXX engaged in a consumer credit transaction with XXXX XXXX XXXX XXXX. During the course of the credit transaction, I was not provided material disclosures as required by law. XXXX XXXX XXXX XXXX used false and misleading statements about the consumer credit transaction, in an attempt to unjustly enrich themselves. I have recently been made aware of the scheme/scam that XXXX XXXX XXXX XXXX and accomplices have been engaged in for the purposes of unjustly enriching themselves and others. In XXXX of XXXX, SELECT PORTFOLIO SERVICING, INC began communicating with me ( without my prior consent ) about the consumer credit transaction I engaged in with XXXX XXXXXXXX XXXX XXXX. I was never provided an XXXX XXXX form as required, for anyone to use my private intellectual property. It is my belief the above named parties may be involved in Identity Theft. On or about XX/XX/XXXX, I began asking SELECT PORTFOLIO SERVICING, INC for information pertaining to the consumer credit transaction for account number XXXX. I followed up with SELECT PORTFOLIO SERVICING, INC on XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, and XXXX of XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have enclosed some of the communications I mailed to SELECT PORTFOLIO SERVICING, INC, as evidence of my attempts to collect information pertaining to my account that was created by the deposit of the adjustable rate note / money I loaned to XXXX XXXX XXXX XXXX. SELECT PORTFOLIO SERVICING, INC failed to provide the requested information, including, but not limited to, account transaction details pursuant to Generally Accepted Accounting Principles ( GAAP ), IRS form 1099 OID, IRS form 1098, IRS form 1065, IRS form 8281, IRS form 8283, the name and address of the original creditor, as well as SSA 89 showing the authorization from XXXX XXXX XXXX to use his private intellectual property. On XX/XX/XXXX, I, XXXX XXXX XXXX, received a threatening letter from XXXX XXXX XXXX, claiming to be an Attorney for XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX threatened XXXX XXXX XXXX, and XXXX XXXX XXXX, that he intended to steal the property of XXXX XXXX, and XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, Utah. On XX/XX/XXXX, XXXX XXXX XXXX, exercised his Right of Rescission and notified XXXX XXXX XXXX XXXX, SELECT PORTFOLIO SERVICING, INC., as well as XXXX, XXXX XXXX XXXX, XXXX. XXXX says that " When an obligor exercises his right to rescind under subsection ( a ), he is not liable for any finance or other charge, and any security interest given by the obligor, including any such interest arising by operation of law, becomes void upon such a rescission. Within 20 days after receipt of a notice of rescission, the creditor shall return to the obligor any money or property given as earnest money, downpayment, or otherwise, and shall take any action necessary or appropriate to reflect the termination of any security interest created under the transaction. If the creditor has delivered any property to the obligor, the obligor may retain possession of it. Upon the performance of the creditors obligations under this section, the obligor shall tender the property to the creditor, except that if return of the property in kind would be impracticable or inequitable, the obligor shall tender its reasonable value. Tender shall be made at the location of the property or at the residence of the obligor, at the option of the obligor. If the creditor does not take possession of the property within 20 days after tender by the obligor, ownership of the property vests in the obligor without obligation on his part to pay for it. '' On XX/XX/XXXX, XXXX, XXXX XXXX XXXX, XXXX. did allegedly sell the property commonly known as XXXX XXXX XXXX XXXX, XXXX XXXX, Utah, to XXXX XXXX XXXXXXXX, XXXX, to the detriment of XXXX XXXX XXXX, and XXXX XXXX XXXX. It is my belief that XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, P.C., SELECT PORTFOLIO SERVICING, INC, XXXX XXXXXXXX XXXX, and XXXX XXXX XXXXXXXX, XXXX, and other unnamed Corporations pretending to be Judicial facilities, are conspiring to unjustly enrich themselves by stealing and selling property from others, utilizing the courts to help them, and evading taxes. The failure to provide the necessary documents to prove they have lawful authority to engage in the conduct above, shows their willful intent in their possible/probable Corporate money laundering and tax evasion scheme. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent for XXXX XXXX XXXX, XXXX, XXXX on XXXX XXXX XXXX XXXX XXXX property to threaten to remove XXXX XXXX XXXX XXXX XXXX property. XXXX XXXX provided XXXX XXXX XXXX a business card. The business card provided asserts that XXXX XXXX is the Senior Project XXXX for XXXX XXXX, not XXXX XXXX XXXXXXXX, XXXX. Using multiple XXXX to hide nefarious activity being done by various actors XXXX be common among criminal tax evaders and thieves. XXXX PROPERTIES XXXX, XXXX, ( and/or XXXX HOMES XXXX XXXX law firm XXXX | XXXX to threaten and extort XXXX XXXX XXXX XXXX XXXX the private, for profit, court, known as the JUDICIARY COURTS OF THE STATE OF UTAH, XXXX and XXXX number - REDACTED. Private administrators pretending to be Judicial Officials, aided and abetted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX attorney 's for XXXX | XXXX ), XXXX, XXXX & XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX attorney 's for XXXX, XXXX & XXXX XXXX XXXX. ), and SELECT PORTFOLIO SERVICING, XXXX in the theft of property, and unjustly enriched themselves in the process. On XX/XX/XXXX, XXXX XXXX, claiming to be an employee/agent of XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX with an ARMED man, used threats of force to remove XXXX XXXX XXXX and her offspring from her abode at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Utah. XXXX XXXX, who purported to be an employee/agent for XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX card which identifies the business that XXXX XXXX XXXX for as XXXX XXXX XXXX I, XXXX XXXX XXXX, have never given XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, SELECT PORTFOLIO SERVICING, XXXX, XXXX XXXX XXXX, XXXX, and/or XXXX, XXXX & XXXX XXXX XXXX, XXXX to use, sell, or publish my private intellectual property. What is the innocent explanation for failure to provide IRS Forms showing compliance with the tax laws? What is the innocent explanation for failing to disclose the account details pursuant to XXXX? What is the innocent explanation for any and all of the above named Companies/Persons using the private intellectual property belonging to XXXX XXXX XXXX XXXX XXXX consent? What is the innocent explanation for not following the law as written by congress in title 15 United States code chapter 41 section 1635 ( b )?
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 843XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: this is a predatory debt collector, it was a second equity loan open XXXX. XXXX offer to settle debt XXXX % in XXXX but my mother owner of debt died XX/XX/XXXX, .I have adversely affected by the SPS since i requested assistance XXXX XXXX, they have finally denied XX/XX/XXXX. this debt belong to my mother, since she has been dead now ten years, i requested XXXX issue a reconveyance of the loan on XX/XX/XXXX. it is still pending. on XX/XX/XXXX i agreed to short sell the property but they said i was too late. Now the call daily and want me request assistance, i have not answered, so now they filed a default and pending foreclosure. i am XXXX and i have no income since XXXX, it went directly to my mother, she made all financial decision 's on my behalf. XXXX refused to settle since i was XXXX, now the servicer changes my single point of contact every month. i am so confused and XXXX but i am trying, on XX/XX/XXXX the sent 40 certified letters with information about the foreclosures. SPS is the XXXX servicer, they constantly cancel my homeowners insurance and place their own. i have acted in good faith but they constantly flip flop. the default and foreclosure notices were recorded after the 10year statue of limitation.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2022-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The Foreclosure of my property occurred while the loan modification review was taking place and in effect. MY lender continuously requested bank statements and pay stubs as well as any other supporting documentation, however, the lender did not cooperate with me nor keep your home California and proceeded to foreclose my property, I strongly believe that the Lender failed to comply with civil code2923.6 2924.10 2924.12 2924.18 2924.19 and both the state Senate and Assembly : AB278 and SB900 commonly known as " The Homeowners Bill of Rights XXXX XXXX XXXX XXXX XXXX stole my Hard Earned money a total of XXXX XXXX XXXX by lying to my as i just found out they have being doing to dozens of other people. they promised me a loan modification and they claimed to have attorneys and experts working on my case but they don't they forged my signature and committed bank fraud on my modification application by claiming that i collect government benefits in order to pay for my bills and mortgage payment, all of that information was false and was put in to the paperwork well after they tricked my in to signing blank forms.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I filed for a loan modification XX/XX/XXXX and was denied. They gave me the runaround with my pay stubs asking if federal taxes was being taking out. They kept rejecting the stubs along with my XXXX taxes that I had gotten from the IRS. Then finally I was denied because they said they could not work out a plan because I owed to much. I applied for the Maryland Home Fund program and was preliminary approved for {$60000.00}. At the time XXXX would have brought my account current and my loan would have been reinstated. However, I was denied back in XX/XX/XXXX because they could not come up with a reasonable payment plan. Maryland Home Fund put {$60000.00} on the table for negotiations and they still denied me. In the denial letter Maryland Home Fund stated that the mortgage company said I am eligible to apply for a modification. They first denied me with no money on the table and then denied me with {$60000.00} on the table. I clearly have the income now since XXXX to stay current. Now the interest rates are about 7 %. They dragged it out and my current interest rate is 4 %. I'd like to know why they would not except the XXXX to modify me but tell me I'm eligible now. They have me gather all this information as if they are just going through the motions just to deny me. When my bankruptcy plan go into effect on XX/XX/XXXX I will have to pay XXXX a month plus the mortgage which is {$1700.00}. That will be very hard. If my pay stubs and taxes that were issued through IRS because I could not locate them that they kept rejecting are good enough for the trustee and Bankruptcy court and the Maryland home fund program, why are they not good enough for the mortgage company. They just want the house now that the property values are up.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MD
Zip: 21703
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to COVID, I had a difficult time making my mortgage payments and fell behind in XXXX, XXXX. My lender has denied any assistance to me. They have been asked repeatedly to send me the actual denial for appeal and I still have not received it ( I have been requesting it since XXXX, XXXX ). I am unable to appeal or know why I was denied. They have told me there is no available assistance for COVID and that I need to reinstate. They have sent my loan to an attorney for foreclosure. I was under the impression that the CARES act was passed so that homeowners did not lose their homes due to the virus. I also have now experienced XXXX hurricanes this year and my lender told me there is no assistance with that either. I want to pay my mortgage and keep my home however my lender is not allowing me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Select Portfolio Service cashed the following XXXX checks mailed by my bank in error after the mortgage was paid in full in XX/XX/XXXX. check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX. I began communication via email and XXXX with XXXX on XX/XX/XXXX, but have been rerouted and ignored. Each correspondence has included the documentation requested of me as per below : - copies of front and back of the XXXX checks - copies of my bank statements showing these XXXX checks ' debits- quite lengthy log of correspondences I've made with no response. The phone numbers I've been using : XXXX XXXX... XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number reaches someone who transfers me to XXXX. I have left multiple messages for XXXX to call me with no response to date. At one time I was provided this dispute ID - XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46224
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SPS loan servicing has not reduced my principal amount owed, In fact has increased the principal balance.
Company Response: Company believes complaint is the result of an isolated error
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A