SELECT PORTFOLIO SERVICING, INC
Consumer Complaints
There are over 9109 complaints on file for SELECT PORTFOLIO SERVICING, INC. Dated between 2019-12-06 and 2012-02-28.
Complaints Page 116
2017-08-10
Brooklyn, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-10
Haverhill, MA
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
2017-08-10
Urbandale, IA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: Fast history on me. My mortgage is current and has n't been in default for some time now. My property taxes are current. My property insurance is current. My original lender was XXXX XXXX XXXX. Several years back when the economy crashed, my wife 's employer abruptly discontinued their weekend package pay. At the same time, my employer eliminated our department bonuses. This hit us extremely hard and we were unable to pay our property taxes. XXXX stepped in and paid those for us ( {$7500.00} ) because our loan did n't include escrow payments for property taxes. They told us that amount would be interest free and just added to the end of the loan, which they honored. Last year our mortgage was sold to XXXX XXXX XXXX. They told me they would not be pursuing collection of this amount due to my original arrangement with XXXX. Then once again, my mortgage was sold to Select Portfolio Servicing ( SPS ). I 've made several payments to them, on time and in full, but I 'm guessing since I 'm making my payments on time, they are attempting to collect that {$7500.00} in hopes I ca n't afford it and then they can foreclose. Let 's all be realistic and honest here, there 's no other reason for them to be taking this action. I CA N'T control my mortgage being sold. As a homeowner, I have no options to say, no. From everything I 've read online about my rights during a mortgage transfer and based upon what XXXX told me, I do n't believe they have the right to pursue collecting this money right now. The original arrangement was to pay it by the end of the loan. I spoke with XXXX XXXX at SPS on XXXX17 at XXXX XXXX CST. She informed me she would put in a request to try and move the collection to a 60 month term, but that does n't change the fact that I do n't understand how they can pursue this money when my original lender and even the second one both told me it would be kept at the end of the loan. I made an arrangement in good faith and I 've kept my end of the deal by making my payments on time and keeping my property taxes current. SPS should do the same.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-10
Beaverdale, IA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I just submitted XXXX and forgot to include this additional info and the system wo n't allow me to update the original complaint. On XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX and on XX/XX/XXXX at XXXX XXXX CST I spoke with XXXX XXXX, both with SPS. I had questions about my account transfer and payments and on both occasions I brought up the question if I was going to be okay with that escrow amount remaining at the end of the loan. Both of them notified me that I would and that I would simply see that amount each month on my statement, but that I only needed to pay the normal monthly payment. These are two agents now with SPS that told me everything would remain the same.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-10
Tannersville, PA
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
2017-08-09
Jamaica, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-09
Rochdale, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: The bank who has my mortgage is being unfair because they are expecting me to pay {$5300.00} of monthly payments for the next 12 months. I am a single mother with XXXX kids. I am currently on a repayment plan of {$5300.00} monthly for 12 months that started back on XX/XX/2017. Ive made four payments of {$5300.00} already totaling {$21000.00}. I simply cant afford to pay {$5300.00} knowing I am solely responsible for my XXXX young children who live with me. My ex-husband XXXX XXXX abandoned me and my children leaving us to fend for ourselves. I pay my utilities, provide food for my children, school supplies and clothe them when needed as they continue to grow. Sadly, I had to replace the Hot Water Tank, fix the Boiler, and repair the leaking sealing of back basement entrance that was causing mold. These expenses along with taking the difference from my savings to cover the short fall between my income and the {$5300.00} has depleted my savings. I can afford my normal mortgage payment with my children expenses, utilities but to pay {$5300.00} is very difficult. I was put in this position because of my Ex-Husband. I am heading back to Family Court to file a violation against him for not paying the child support. He is supposed to pay {$1200.00} per month. I work two jobs along with my mother giving me money monthly helps me a great deal. I have been with my first job 20 years and my second job 3 and years. I am a good strong independent woman who just made a bad judgement of marrying the wrong man. I comfortably afford to make my mortgage payments and still give my children food. Note I am now the Sole Owner of the Property as it was signed over by my ex-husband the deed to me and I have the deed in my hands now. The deed was sent to the bank back in XX/XX/XXXX to review me for a modificiation in which they are refusing to offer. Its like they rather me end up on the streets that to give me a chance to do the right thing here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2017-08-09
Santa Ysabel, CA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Complaint: Here is how we believe SPS violated the law and why we request your assistance. SPS engaged in deceptive debt collection practices by : o the use of language in its appeals processing that confuses and misleads consumers ( us ), and resulted in in material harm in the form of loss of viable home retention options. SPS falsely claims that in the letter dated XX/XX/XXXX, they informed us that our appeal was denied ( enclosed ). Because of the language used ( or rather not used ) we didnt realize that SPS denying out appeal. o SPS is in violation of the law by pursuing foreclosure without complying with all the conditions required by law which requires among other things that the borrower reject all loss mitigation offers. SPS offered false claims that we refused the loan modification offer. In a letter dated XX/XX/XXXX ( enclosed ), SPS states they withdrew the loan modification offer. Legally, to pursue foreclosure, the certain conditions must be met which were not met in our situation -the servicer informs the borrower that the borrower is not eligible for any loss mitigation option. That has not happened, we are eligible for loss mitigation options, to wit, a loan modification ( which we were offered ) and/or short sale -the borrower rejects all loss mitigation offers. We have not rejected any loss mitigation offers. To the contrary, we have and are still requesting them. -the borrower fails to comply with the terms of a loss mitigation option such as a trial modification. We believe we are in compliance with the terms of the loss mitigation option as the right to appeal/request for information is a term of the loss mitigation offer and we dont believe our appeal has/was been legally resolved/formally denied. If we failed to comply it is due to not understanding the language of the communication. My husband and I both have graduate degrees so its not like we had reading or comprehension difficulties. But a notification of appeal denial that does not contain the words appeal, denial or notification is easy to misunderstand. We ask that CFPB investigate our claim that SPS has engaged in, intentionally or unintentionally, deceptive debt collections practices with regards to handling of our appeal of their loan modification evaluation process. We assert that if that process had been handled properly, we would not be in immediate peril of foreclosure ( sale date XX/XX/XXXX ) To date, we have not received any communication from SPS in regards to our formal written appeal that contained the words appeal and denied, However the XX/XX/XXXX letter that SPS claims as an appeal denial never uses the words appeal or denial '' and bears no resemblance to any appeal notifications we have ever seen. Our confusion regarding the status of our appeal is directly responsible for our failure to promptly respond in a way that could have salvaged the loan modification process. We ask that you/your office also investigate SPSs appeal processing procedures in general to determine whether SPS documentation, communications, language or procedures are sufficiently clear, concise and understandable or, unnecessarily vague, ambiguous and misleading resulting in errors that has could cause homeowners like us to lose our homes.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-09
Lorton, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-08
Gibsonton, FL
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was result of identity theft
Complaint: XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX AS TRUSTEE XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXX , claiming false interest of third party called XXXX XXXX XXXX servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded XXXX, XXXX XXXX XXXXXXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEE headquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful. 9. Any insurance claims been made by any creditor regarding this account. 10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for {$110.00}, XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-08
Baldwin Hills, CA
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
2017-08-08
Swiftwater, PA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-08
Gibsonton, FL
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was result of identity theft
Complaint: XX/XX/XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Debt Collectors : SELECT PORTFOLIO SERVICING INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ATTN : LEGAL DEPARMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX cc : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Re : Acct No. Select Portfolio Servicing Acc # XXXX XXXX XXXX XXXX AS TRUSTEE ( XXXX XXXX XXXX ) Acc # XXXX XXXX XXXX XXXX XXXX XXXX MIN # XXXX Note Date : XX/XX/XXXX NOTICE OF VERIFICATION DEBT Since Select Portfolio Servicing had refused to disclosed the information requested on Notice of Verification Debt., in conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), SPS , XXXX XXXX XXXXXXXX XXXX claiming false interest of third party called XXXX XXXX as servicer with the sole intention to defraud, steal homeowners. After the servicer has not being able to provide, disclosed the information requested below, we commanded SPS, XXXX XXXX XXXX XXXX to release my property from any lien recorded XXXX county illegally and return the original Note, stolen and illegally seize by Select Portfolio Servicing at its offices in XXXX XXXX XXXX, Utah. SELECT PORTFOLIO FAILED TO VERIFY THE DEBT AND DISCLOSED INVESTOR XXXX XXXX XXXX TRUSTEE ADDRESS, DEFAULT DATE OF THE MORTGAGE AND PROOF OF STATUS OF LIMITATION. 1. Agreement with the creditor that authorizes you to collect on this alleged debt 2. Identify XXXX XXXX XXXX TRUSTEEheadquarter and agents 3. Default date of Mortgage 4. The agreement bearing my signature stating that I have agreed to assume the debt 5. Valid copies of the debt agreement stating the amount of the debt and interest charges 6. Proof that the Statute of Limitations has not expired 7. Complete payment history on this account along with an accounting of all additional charges being assessed 8. Commission for debt collector if collection efforts are successful.
9. Any insurance claims been made by any creditor regarding this account.
10. Any Judgments obtained by any creditor regarding this account 11. Show me that you are licensed to collect in my state ; and 12. Your license numbers and Registered Agent 13. Explain Select Portfolio Serving 's misconduct and conspiracy to defraud client with two ( 2 ) different default letter XX/XX/XXXX for XXXX XXXX and XX/XX/XXXX for {$230000.00} in less than a year. Both Demand letter/Default letter has a serious fatal error, also failing to state the date of Default date of the Mortgage. Your SELECT PORTFOLIO SERVICING AND XXXX XXXX XXXX AS TRUSTEE office failed to disclosed information of this debt validation letter since XX/XX/XXXX. This account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect or foreclose on the said Mortgage must be ceased. Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt/mortgage against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX Email : XXXXXXXXXXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-08
Grand Ledge, MI
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-07
Hewlett, NY
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-07
TX
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: I applied for a loan modification but was denied. The written explanation does not make sense based on the information provided for loan modification
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-07
Andover, MN
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
2017-08-05
Burlingame, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: To Whom It May Concern, I am filing this formal complaint because I feel that XXXX and now SPS are not honoring their part of the agreement with the government. I have been trying to get a loan modification for a year now. During that time XXXX and now SPS has put me through a ridiculous ordeal. I have a legitimate reason for hardship. My wife lost her job a few years ago. I lost my job a year and a half ago and the job that replaced it pays much less. I also had to take care of my elderly parents and help them with their medical bills. I believe that these lenders illegally denied me for the assistance and since I 've read that they have been fined heavily for wrong doing, I was forced to hire a law firm to protect my home. I would have never gotten in this mess had XXXX XXXX not told me to get behind on my payments. They told me it was necessary to be able to qualify for the hardship assistance. Then they played games with me. They told me they never received my paperwork even though I faxed it to them multiple times. Even when I got them to admit that they received the paperwork, they said they lost it and told me I had to re-apply. They kept changing relationship managers on me and I could never get the same person on the phone twice. My mortgage is currently 54.29 % of my gross monthly income. If that is not considered a hardship by XXXX and SPS, then what is? I believe I meet every single criteria put forth by the HAMP program. My mortgage was originated prior to 2009 and I never refi 'd after that. I am hoping that someone will hold these big banks accountable for denying homeowners assistance when they clearly deserve it. I think the main reason that XXXX XXXX is not helping me is because I have some positive equity and they want to get that money for themselves. I did not read anything on the HAMP guidelines that if a homeowner has positive equity that the lender does not have to approve them for HAMP, but maybe that is just the banks policy to maximize their profits. If I could just get caught back up and into an affordable payment, then I could keep my home, but I am at my wit 's end. I have been trying for a year without any sort of progress. There are an obscene amount of foreclosed homes in my neighborhood and I do not want to join them. Please help me save my home. Im not asking for charity, I just want what is fair and right. From what I understand XXXX XXXX took millions from the government, but they are not helping the people that legitimately deserve it.. Please, please, please help me save my home.
Sincerely, XXXX XXXX Phone XXXX XXXX XXXX XXXX , XXXX, CA XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-05
PA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-05
Manhattan, NY
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-03
Dayton, OH
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My complaint is against XXXX for over a year Ive been trying to get some assistance from them with my house.
I first made contact a in XX/XX/XXXX I requested they remove the escrow insurance & tax payments from my account since the majority almost 70 % of my monthly payment went toward escrow I wanted to pay them separate. The rep told me because I made a late payment within that year it could not be separated.
A few months later in early spring I reached out and scheduled to meet with two real estate companies. The first realtor canceled the appoint via phone and stated he would email me comp sales in the area explaining why based on market value vs the balance owed they would not be able to sell the house. The 2nd realtor came to my house LOVED the housed ( she had just sold a smaller house 2 doors from me ) and said either I would have to either pay the difference as my neighbor did on his sale or the house would not sell because of the balance. She suggested I contact the lending company. I called XXXX in/around XX/XX/XXXX explained that I needed to sell the house because I could no longer afford it. We discussed the account balance she explained the different XXXX options ; balance modification, deed in lieu, short sale and she gave me all the details I needed for the process of balance modification. I gathered all my information a total of 35 pages which included the RMA ( request mortgage assistance ) pay stubs, tax returns, bank statements plus a 2 page letter explaining my financial situation. On XX/XX/XXXX as per the instructions on the XXXX packet I overnight XXXX ( {$34.00} ) the 35 pages of information they required for this process. I called them let them know it was sent and was advised it would take 30 days for an answer. Six weeks later on Saturday XX/XX/XXXX I called since I hadnt heard anything. The lady I spoke to said nothing was received and I would have to re-send. I asked if I could email it ( which I did XXXX once again I was told it would be 30 days BUT she strongly suggested that I should consider making a payment to bring my account out of delinquency because it would look as if I was trying to work with them on the approval process. On XX/XX/XXXX I received a letter stating I was denied the modification and I did not qualify for a loss mitigation program but could be eligible for a non-home retention like deed in lieu or short sale. I called them again this year not sure of the date to go forward with the option of a deed in lieu of foreclosure. a few days later I received a called from a realtor stating XXXX contacted her firm to come take pictures of my house for a BPO appraisal. XX/XX/XXXX I received a lettered dated XX/XX/XXXX denying my request for a deed in lieu because the current property value did not support this option. Then on XX/XX/XXXX I received another letter encouraging me to contact them to discuss options I may qualify for to bring the account out of default. Just recently in the last week of XXXX I received the official ten account balance with XXXX is {$82000.00} in the past 5 years Ive replaced the roof, windows, gutters, patio door & front door. My neighbor sold his 1,080 sq.ft home for {$32000.00} without any repairs, my house is 1,326 sq ft with multiple updates. I dont understand what amount myhouse was appraised at that XXXX deems the current property value does not support this option. XXXX has me running in circles. Please help I dont know what else to do!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-03
Walla Walla, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My mom died in 2015 and still owed on her mortgage. I tried several times over the last 2 years to get SPS to work with me so that we did not lose the house. My mom did not leave a will and we could not afford to go through probate and even though I had power of attorney when she was alive they refused to even speak to me about the home loan. I do not want to lose my moms house as this is the only tie we have left to her and we are willing to start making payments if the company would just speak to me about it. Im stressing because I do not know what to do and this company will not give me any information. I filled out the loan modification paperwork they asked me to and never heard back from them. We had a realtor contact them to see about purchasing the house because my brother was approved for a {$120000.00} home loan and they would n't speak to us or reply.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-03
Moreno Valley, 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
2017-08-02
Greenwood, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Hi my is name XXXX XXXX . Im working with my servicer Select Portfolio Servicing ( SPS ). Recently I have mailed in my for a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called in to SPS asked them whats the status and they tell me that they will continue to foreclose on my home. They will be violating my California Homeowners Bill of Rights Act if they proceed with the sale while having a complete full RMA packet.
They still are proceeding to sell my home. I have sent over to them a Complete RMA package and SPS even acknowledged that they have received a Full Complete RMA package. How is this possible that proceeded with a foreclosure of my home when they have a Full Complete RMA package?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2017-08-02
Orlando, FL
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation