Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Divorce proceedings started XXXX finalized XXXX ex spouse was ordered to refinance via servicer modification was done in XXXX solely with ex spouse. I never signed anything beyond XXXX. I wrote directly to servicer and servicer returned a copy of my signature from XXXX and blank for XXXX via ex spouse modification however none of this was known to me at that time. Instead of servicer stating reason for communication was a dispute, they listed reason for communication was a name change? I also attempted several times to dispute information on credit reports and including returned to court in XXXX due to defendants noncompliance. Judge stated if issued remained unresolved, return so it can be enforced not excluding property being sold. Dates and signatures aren't adding up. I never signed anything post XXXX regarding loan.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was approved for assistance through the North Carolina Homeowners Assistance Fund. HAF made the first payment to SPS on XX/XX/XXXX. It was in the amount of {$2.00}, XXXX and was to reinstate my loan, going back to payments missed since XX/XX/XXXX. HAF also made payments for me going forward through XX/XX/XXXX, for a total of {$3.00}, XXXX. The second payment made by HAF was on XX/XX/XXXX, in the amount of {$350.00}. My mortgage company, SPS, never applied thise payments to my loan, neither the reinstatement lump sum or the XXXX payment. My caseworker with NC HAF was able to verify that SPS confirmed receiving the payments. My attempts to resolve the matter by contacting the ombudsman department at SPS have been unsuccessful. I realized what they had done when I called to make my XXXX mortgage payment, and the amount I was told I needed to pay did not show me as being credited for the HAF payments. I was first told it would take them a few business days to research and resolve the matter. As if today, it has been two weeks and they still refuse to acknowledge or correct their error. Today they said " call back after XXXX XXXX ''. I feel like that is unfair and unacceptable. They have been paid for many months, and I shouldn't have to get behind on my payments again while I wait for this mistake to be fixed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022, I received a Credit Alert from XXXX XXXX indicating that my Select Portfolio Servicing ( SPS ) Account Balance ( for my first mortgage ) increased to {$190000.00}. For the month of XX/XX/2022 my current Principle Balance for my SPS Mortgage is {$190000.00}, which is {$4800.00} less than what SPS has inaccurately reported to the Credit Bureaus. On XX/XX/2022, my Credit Score decreased by XXXX points. I am respectfully requesting for SPS to accurately and expeditiously report my Principle Balance of {$190000.00} to all XXXX XXXX XXXX ; XXXX, XXXX, and XXXX so my SPS Principle Balance, Credit File and Credit Score are accurately updated and corrected in all of my Credit Reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We are behind on our mortgage and applied with XXXX XXXX XXXX on the very first day applications opened on XX/XX/XXXX. I called XXXX XXXX XXXX on XX/XX/XXXX as the status on my application was " third party action needed '' they stated they were waiting for Select Portfolio Servicing to send the requested documents to them the documents were requested on XX/XX/XXXX and XX/XX/XXXX. I then called SPS ( Select Portfolio Servicing ) and the Ombudsman Department XXXX said she would forward it to the people handling said program. I called again on XX/XX/XXXX and XXXX in the Ombudsman Dept. said she was sending another follow-up escalation to said people. On XX/XX/XXXX I called SPS again and XXXX in the Ombudsman Dept said they were working on getting the paperwork done and I should call the XXXX XXXX XXXX program and request they resubmit the paperwork to SPS. I keep making calls back and forth from the XXXX XXXX XXXX to SPS every XXXX weeks and keep getting the run around from SPS but always get told by Home Help that SPS has not sent the information they have requested. In XXXX SPS requested my husband and I resubmit homeowner assistance paperwork which we did just so that they could yet again deny us help. They keep giving us the runaround and not cooperating with the XXXX XXXX XXXX program, causing more fees to be added to our mortgage. The XXXX mortgage program would be able to pay all of our arrears on our mortgage and we would be able to pay our mortgage each month but Select Portfolio Servicing refuses to cooperate. We are terrified we will lose our home, causing us to have medical problems. It's not right what they are doing and they need to be held accountable for their actions.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MN
Zip: 565XX
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have applied to assume a mortgage for the home I live in. This home was my father 's who passed away without a will. I hired an XXXX to take care of the " Transfer of Property '' and/or " deed '' for the home. In the state of Indiana the legal document is a " Affidavit to Transfer Real Estate ''. This is due to not being able to go to probate court ( not enough money in estate ), also my father is not alive so he obviously can not quit claim the deed to me. The Mortgage Company Select Portfolio Servicing , Inc. ( SPS ) underwriters are not accepting this legal document in the state of Indiana for the " Transfer of Property ''. They are now foreclosing. My XXXX has been in contact with their ( SPS ) XXXX he asks for the same docs the XXXX ask for, I have sent them numerous times. I have submitted every document needed many times. I have called the Mortgage company 100 's of times, I have contacted the ombudsman several times in regard to the XXXX not accepting this legal document that is my Transfer of Property, and/or deed. XX/XX//22 Spoke to supervisor XXXX XXXX came on she stated below : Need following documents : Underwriting needs Document transfer of property- In order to get a Transfer of Property my father would have to have done this before he passed. Father is deceased without a Will I can not get for obvious reasons. XXXX told me the only way is to refinance b/c I can not get the above document SPS = They do not refinance They will not assume without the document transfer of property. Law States I can assume the property. REGARDLESS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46304
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I got a call from my XXXX XXXX my mortgage company saying that the call was concerning about my payment that I was behind 3 months, I told the lady that that was impossible because I send {$9300.00} on XX/XX/XXXX and the check already clear the bank on XX/XX/XXXX. She ask me to provided copy of the bank statement and I complied with their request. The next day I got a call from XXXX XXXX and they thank me for sending the bank information. They notice that the check was paid by XXXX XXXX XXXX on XX/XX/XXXX to SPS ( Select Porfolio Servicing ) Select Porfolio Servicing is my second mortgage company. I call Select Portfolio Servicing on XX/XX/XXXX and told them about the mistake I made that I sent a check payable to XXXX XXXX with XXXX account number in memo and SELECT PORFOLIO cash the check and never give me any credit. I ask to please return the money because i was facing foreclosure and the response was it will take 30 days for them to investigate. I told the lady that I am not on the position of waiting 30 days. She told me I am the one who make the mistake not then and they have rules to fallow. On XX/XX/XXXX I when to XXXX XXXX XXXX to found out why they paid a check for {$9300.00} to a different entity and they did and investigation and on XX/XX/XXXX the bank give me a temporary credit for {$9300.00} then on XX/XX/XXXX i got a letter from XXXX XXXX XXXX stating. Unfortunately, we are unable to approve your recent claim because The merchant 's bank provided documentation showing proof of my authorization. XXXX XXXX XXXX recommendation is for me to contact the mortgage company direct. I contact SELET PORFOLIO on XX/XX/XXXX and they told me that on XX/XX/XXXX they overnight via XXXX a check for {$9300.00} they can't provided me with a tracking # today XX/XX/XXXX check never got here. Can I get help on my situation. now if I don't paid my mortgage at XXXX they are sending paper for foreclosure on XX/XX/XXXX. XXXX in helping us but everything has a limited. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77478
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My uncle left me a house when he passed away XX/XX/XXXX of XXXX I make a payments on the house since then I finally got the house over in my name XXXX of this year. I had a problem with my health so I had my daughter handling my financial affairs she took over my financial affairs XX/XX/XXXX I had payments paid up until XXXX of XXXX. I didn't know that my daughter was not making payments because I had not received any information from the mortgage company because I had not yet had the deed in my name so they would not release any information to me. And once it was in my name and I found out that my daughter had not been making any payments and the property was going into default.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX filed a Motion for Summary Judgment. Within the Motion is a list of fees and costs as well as the principal balance. These numbers seem to change often. Additionally, there is a special advance charge for property inspections. No one has ever been to my home to inspect it. I would like proof of the inspections; i.e. a report, pictures, the name of the company who performed the inspections, etc. If there is no proof of any inspections, this amount should be deleted from fees and costs the lender is claiming is due.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am writing this letter to ask for help resolving major issues with my home loan. The constant rise in mortgage cost has caused me to become delinquent on my mortgage. I have done everything in my power to keep my payment commitments. I contracted covid this summer, at the end of XX/XX/2022, I am feeling recovered now and back to normal. I would like to restart making payments on XX/XX/2022. I am requesting your help to resolve the following matters. 1 ) On XX/XX/2022, I purchased an insurance for yearly premium of {$1300.00}. My previous premium was lender placed for the amount of {$4200.00}. The insurance was billed monthly and included in my monthly payments. I therefore expected to reduce my payments by almost {$300.00} per month. Howver at my disappointment, my monthly payment has almost not changed and stayed at {$2700.00} ( down from {$2700.00} ). I would like help reducing the monthly payment. 2 ) On XXXX XXXX, I received a letter assessing an additional {$1100.00} to my account, which I do not understand and customer representatives were not able to explain it to me, nor did they understand this amount charged since I pay the insurance monthly. 3 ) At the end of XXXX, I entered a forbearance plan due to covid-19. The letter I received, dated XX/XX/2022, stated that that several options may be available to me to keep my home : reinstatement, repayment plan, modification, deferral. My preferred method is deferral since I was ill with covid these past months and am now able to restart making normal payments. Customer representatives I called were not able to propose me this option nor a feasible option. I am therefore contacting you to get help. I would like you to consider working with me to help me reach my number one goal, which is to keep my home and I would really appreciate the opportunity to do that. I truly hope that you will consider working with me and I am anxious to get this settled so we all can move on.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2022-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I write today in the hopes of getting a loan modification that will settle XXXX XXXX XXXX XXXX foreclosure lawsuit once and for all. I would also like a full accounting of my loan account. Since 2009, I made numerous attempts to modify my mortgage with XXXX XXXXXXXX XXXX XXXXXXXX, through its servicer, XXXX. Each modification had an issue. When the lender sent its last modification, after I completed their trial modification, the lender included a settlement agreement and release. When I questioned why I am being asked to execute the settlement agreement, I was not afforded a response. I researched and learned that the lender is being sued across the country fraudulently denying loan modifications. XXXX XXXX XXXXXXXX XXXX XXXX and XXXX admit there was a glitch in the loan modification calculation software which caused wrongful denials of many mortgages but chose not to correct the error and fraudulently foreclosed on many homes. They did not inform the public. They denied my loan modification requests on numerous occasions as a result of this glitch. Each time I received a proposed modification from XXXX, I questioned the fees, costs and balance due. I even received a modification that was outside the guidelines provided by the HAMP and TARP programs. I made them aware and was told I had to take or leave it. They failed to follow and apply HAMP guidelines at one point as well. With the proper calculation, I would have qualified to have my principal balance reduced and the loan modification would have been approved. I would not be in litigation with them more than 12 years later. As a result, interest has accrued, I was unable to take advantage of the recent low interest rates and have not been able to qualify for a mortgage. My license was delayed as a result of these actions. I became increasingly XXXX stressing over losing my home. I now have confirmation that XXXX XXXX engaged in mortgage modification fraud. But for the diligence of my attorney, my home would have been foreclosed on as well. Additionally, the lender added attorney 's fees and costs even though they voluntarily dismissed their case on two occasions. I was the prevailing party. They reimbursed the attorney 's fees and costs I paid to my attorney during the 2nd case. A discovery request was made. Instead of responding to the discovery request, they dismissed the case. I would like the balance to reflect a total deducting the attorneys fees and costs and the interest incurred as a result of this fraud committed by the lender. When I received the most recent modification offer, I was willing to accept the modification but not the settlement agreement offering me {$7000.00} to waive my rights to sue for fraud or any other misconduct. I was not allowed to do so. I am willing and able to pay my mortgage. I more can afford the most recent modification I was offered. I just want it to accurately reflect what I owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A