SELECT PORTFOLIO SERVICING, INC.

2019-10-28

Atl, GA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Mortgage: Conventional home mortgage

Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SELECT PORTFOLIO SER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-28

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-26

Southington, CT

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-25

Saint Paul, MN

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I paid my mortgage in the amount of {$1000.00} on XX/XX/19. The payment shoyld have applied and posted on XX/XX/19. My statement, online system, and phone system all state the payment posted on XX/XX/19. I called SPS Servicing on XX/XX/19 to complain and phone reps assure me verbally that payment properly posted on XX/XX/19. I do not believe them because SPS Servicing is a 3rd party payment processing company that I have no written agreement with and I do not trust them. I want to end my relationship with SPS Servicing and go back to XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-25

Hinsdale, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Delaplane, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-10-24

Garland, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-24

Euless, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Finksburg, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: After 5 months ( XX/XX/2019 thru XXXX 2019 ) with certified letters to Select Portfolio Servicing , Inc. to request the review of documents furnished by me that supports full payments of every month that I had the present mortgage, SPS continued to deny and did not look into the evidence verifying full payment of every mortgage payment from XX/XX/2019 thru XX/XX/2019. SPS told me that the missing payment would take months for them to clear my name with the credit reporting agencies. This information was reported to me most recently. Further, I had to go thru the re-financing effort with a new company and pay almost {$5000.00} to close on the new effort in XXXX because of the " missing payment. '' I just received a full payment check by SPS for their error that they never reported to XXXX XXXX, the new Mortgage Company ; however, the credit reporting companies, to my knowledge, has yet to " repair '' the information furnished in error by SPS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I built a pole barn on my property that wasnt there when the loan was procured. I lost the pole barn to a fire the mortgage company claims that anything built on the property belongs to the mortgage and they required to be on the insurance check I requested to see where that was written in my mortgage but they refused to provided me with documentation ... After fighting with them for a I mailed them the check XXXX XX/XX/2019 requesting to be except to have a contractor rebuild my barn since it was paid for previously out of my pocket and state of IL does not require contractors to be licensed They refused to allow me to be exempt. I resubmitted the request a semiconductor time and was approved for little over half of the insurance check XXXX. The approval was in XXXX XXXX 2019. I was told 3 to 5 days I would get my money. On the XXXX I called and they told its is 5 to 7 days to receive the money On XXXX I called and I was told no its 10 days and the XXXX was the tenth day. On the XXXX they called and said the funds were being release and I requested the check would be sent over night and they agreee on the XXXX I called and they couldnt tell me why the check wasnt sent yet and I just had to wait. As of XXXX XXXX they still will not release me my funds and can not give me a reasonable explanation I have had to delay shipments of rebuilding supplies away twice now and all my personnel item that should be stored in the barn is sitting out side in the weather. NEW UPDATE CAUSE FIRST TRY DID NOT RESOLVE THE ISSUE -- - In XXXX I had a inspection and my mortgage company said I was only 18 % complete THIS IS A POLE BARN NOT A HOUSE I fought with them trying to explain to them that this is a pole barn and only thing left to complete a POLE BARN was place metal on it. A 100 % Complete Pole Barn Does not require a bathroom a kitchen a electrical panel -- -- A pole barn is a build that is used to store equipment in like mowers campers tractor etc. etc. -- -- After fighting with the mortgage company again I was lucky enough to be allowed more funds -- - I AM NOW 100 % complete and still fighting to receive the remaining {$10000.00} of my money -- -- The mortgage company keeps playing games and saying they haven't received an inspection that that wanted that they requested that they required. GIVE ME MY XXXX MONEY and quit holding me hostage by continuing to give me lame XXXX excuses that someone else holing it up -- -- I am complete so give me my money
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Hollywood, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Okc, OK

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Wilmington, DE

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Lowell, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Green Valley, NV

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Auburn, NJ

False statements or representation

Debt collection: Mortgage debt

Impersonated attorney, law enforcement, or government official
Complaint: Robo-signing '' is a term used by consumer advocates to describe the robotic process of the mass production of false and forged execution of mortgage assignments, satisfactions, affidavits, and other legal documents related to mortgage foreclosures and legal matters being created by persons without knowledge of the facts being attested to. It also includes accusations of notary fraud wherein the notaries pre- and/or post-notarize the affidavits and signatures of so-called robo-signers. I am alleging both Select Portfolio Servicing ( SPS ) and XXXX ( XXXX ) has executed not only a false mortgage assignment, but a forged mortgage assignment as well. Forgery : Although XXXX did not allegedly file this mortgage assignment, they are culpable due to the fact they authorized SPS as their attorney in fact ; according to the documentation SPS provided. Either they did or did not authorize SPS as an attorney in fact. If they did, they are culpable. I would like written confirmation from XXXX stating in the affirmative the fact they did or did not authorize SPS as attorney in fact for the AOM filed on XX/XX/XXXX. Notice the signature on the XX/XX/XXXX AOM by XXXX XXXX compared to two other documents used to verify XXXX XXXX notary signature. The difference is remarkable and overwhelmingly substantiates forgery. Falseification : Notice the property address listed in the XX/XX/XXXX AOM ( listed as XXXX XXXX, XXXX, NY XXXX ). This is different than the actual property address contained in the mortgage dated XX/XX/XXXX, Instrument # XXXX SPS references in the XX/XX/XXXX XXXX. The actual address is unknown as it is not listed in the mortgage document referenced by SPS. However, the address listed in the security agreement is XXXX XXXX XXXX New York XXXX. The security agreement also states, You are giving us a security interest in the real estate located at the above address. Also, the legal description codified in the document is not the legal description of my deceased parents home location. In addition, the dollar amount referenced in the XX/XX/XXXX AOM is inaccurate compared to Instrument # XXXX. All the above constitutes falsification. Both SPS and XXXX are aware of these fraudulent actions, however, they both have chosen to ignore the clear and accurate documentation I have provided on numerous occasions. I demand a thorough investigation conducted by a third party other than SPS or XXXX, as it is evident they lack the integrity in their ability to investigate these matters independently.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-23

Hollins, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

Juniper Hills, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

CA

Closing on a mortgage

Mortgage: Conventional home mortgage

Complaint: In XX/XX/XXXX, I applied for a hardship Mortgage Modification. Interest rates by SPS where at 5.5. %, causing problems in trying to keep up due to a lawsuit against the Investor " XXXX XXXX '' filed in XXXX, on another matter. After 4 years, I was granted a favored solution but by this time, my GREAT CREDIT SCORE OF XXXX, HAD BEEN DESTROYED. AND as a result, credit was not obtainable for me to help ease making affordable payments. On XX/XX/XXXX, I was sent a letter to pay {$50000.00} for total reinstatement of account by XX/XX/XXXX. I made this payment and confirmed by SPS. On XX/XX/XXXX, I received a Mortgage Statement which stated that I needed to pay {$51000.00}, for the Payment due date of XX/XX/XXXX. I made the {$50000.00} by the XX/XX/XXXX, date and completed the difference of {$1100.00} by XX/XX/XXXX, Per the statement, that would have brought my account current. THIS DID NOT HAPPEN. I received a letter 1hat I was in default again, since I didn't pay {$5100.00}, for XXXX. i NEVER RECEIVED any notification by the company for that amount. They are a misleading company and prone to errors. I have constantly have had to go back and forth with them but always losing since i don't have any power as a consumer to get them to make the corrections to my account ( this goes back to when I paid my property taxes then they paid the same, and I had to go to the assessor 's office to return their payment vs them just recalling it back ) because of this error they did a Escrow account and instead of fighting with them I let them go ahead and do the impounding of the Escrow. There is a lot of work on my part to get them to fix but I cant seem to get passed their hardness towards consumers. I NEVER received any documentation for a payment of {$5100.00} by SPS, and i contacted them and they gave me this long letter. The facts are that they are negligent in how they report data from their system and NOT find a need to correct what they produce in error. In addition to the error, they end up charging me late fees and other charges even though I am current per the Mortgage Statement of XXXX. They do this trick whereby they post funds into the Uappled funds after they pay for their fees even though I paid them correctly. Its a fraud and someone needs to look into this practice of their system. In addition I submitted for a hardship due to their investor making a mistake on another matter, and they ruined my credit score. In their denial of a Modification they claim that at a interest rate of 3.875 %, I don't qualify for a Modification but at 5.5 %, I qualify for making their calculated mortgage payment. SPS and the Investor XXXX XXXX are manipulators of the data and cause foreclosures to occur so they can take back the property and sell it for its Market Value. XXXX knows that my home Equity is 70 % above what I owe. So its a scam!! On XX/XX/XXXX, I received a letter for a payoff demand on my loan. Which I don't know where this comes from, since I believe I am current on my loan in XX/XX/XXXX. I have paid my XXXX payment, but they are putting these payments in unapplied funds. As you can see, how can this be since the XXXX Mortgage Statement tells me what i owe and that is WHAT WAS PAID. Errors by the SPS system and Fraud by XXXX XXXX the Investor. Someone needs to look into their business practices in working with the consumers and acknowledging their errors by the system and their employees.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

La Habra, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-22

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-10-21

Charlotte, NC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response