SELECT PORTFOLIO SERVICING, INC

2017-07-21

Philadelphia, PA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My mortgage servicer is Select Portfolio Servicing, Inc or " SPS ''. In my monthly statements I have been charged {$190.00} for " unpaid late charges '' and {$290.00} for " other charges and fees. '' I was not sure what these charges were for as I am currently up to date on my mortgage. I contacted SPS and the representative advised that part of these charges were transferred over from my previous servicer, XXXX, when the mortgage was assigned to SPS in XX/XX/XXXX. She advised that when the mortgage was transferred there were {$190.00}. XXXX in late charges and {$150.00} in " other charges. '' She also claimed that there were three additional late charges of {$29.00} for XXXX, XXXX and XXXX XXXX and three {$15.00} inspections for the same months. However, I do not think this is correct and that these charges may be a mistake. When my mortgage was transferred to SPS, I was current on my payments and had taken care of any previous fees. I did fall behind on my mortgage a couple of years ago and then reinstated it. When I reinstated my mortgage the representatives advised that I had paid all of my late charges, so I do not understand why I am now being charged for unpaid late charges for those months in XXXX. In addition, the representative from SPS assured me that the {$15.00} inspection fees would be waived.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-21

El Centro, CA

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

2017-07-21

Charlotte, NC

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2017-07-20

Federal Way, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: This complaint is my 5th complaint on the same general case. The previous complaint numbers are ; XXXX which explained what happened. XXXX asks six questions that I would like the CFPB to ask the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX or if they say they have no knowledge then please ask whoever they suggest is best equipped to answer these six questions. XXXX is really a complaint against the CFBD in that there is no way that I can get a hold of and talk to a real person about my case. I live in XXXX, XXXX and therefore can not reach you by phone or fax and you apparently have no e-mail address. XXXX authorizes my full blood sister, XXXX XXXX who was born on XXXX XXXX, XXXX in XXXX, California to discuss my case with This complaint is to notify you that a major crime was committed by the XXXX XXXX XXXX or who ever sold my note and deed of trust to the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX on XX/XX/XXXX. The details are spelled out in the attachment. But basically I borrowed {$150000.00} from XXXX XXXX XXXXXXXX in XXXX XXXX against my house located at XXXX XXXX XXXX in XXXX Washington. This loan was made at 70 % of value. This means the house was appraised for {$220000.00} and the loan was made at 70 % of this evaluation. The XXXX XXXX XXXX bought XXXX XXXX in XXXX, and then foreclosed against me in XXXX of XXXX for non-payment of my mortgage loan and took possession of my house. They informed me that I no longer owned the house and hired a property manager to manage the house who then changed the locks and told my tenant, XXXX XXXX that I no longer owned the house. I quickly wrote a letter to the XXXX XXXXXXXX XXXX in which I told them that they did not follow the legal procedures required for a non-judicial foreclosure. And I threaten to hire a lawyer and sue them if they did not give me my house back within two weeks. In less than two weeks their property manager who I assumed was working for the XXXX XXXX XXXX called me to tell me to come to his office and get the keys to my house. Now the bank may dispute my story, but I will say under oath that the banks property manager who I understood to represent the XXXX XXXX XXXX told me that The XXXX XXXX XXXX has decided to give you your house back and write off the loan as a bad debt. If this is not true then what is their explanation as to why I was given the keys to my house without requiring me to sign a new loan agreement or to make any payments what so ever. And let me also answer the question as to why the XXXX XXXX XXXX would suddenly give me my house free and clear of debt? This would appear to be a very good question and I have a very good answer. 1. As noted above my house was appraised in XXXX at {$220000.00}. But by XX/XX/XXXX the value had collapsed to under {$100000.00}. So to put it in banker 's language my house was underwater by at least {$60000.00}. To put my house up for sale the XXXX would have had to invest at least {$20000.00} in fix up costs plus pay the taxes and insurance for maybe several years. And the XXXX was suddenly faced with the ownership of millions of houses like mine all over the US which were like alligators eating into the already low capital that supported the XXXX XXXX very survival. So they took the most prudent action and just gave the owner his house back. I know they did this in many thousands of cases. So they did not give me my house back out of any sense of compassion or pity for me. They did it out necessity to keep from going bankrupt. This is before they were bailed out by the Feds. Now getting back to my story, I took the XXXX XXXX property manager 's words to mean that I did n't have to make any more mortgage payments and should consider this action by the XXXX as a gift. So I returned to my house and informed my tenant, XXXX XXXX of what had just happened and told him, to resume considering me as the owner of the house and to resume paying me rent -- which he did. So I continued to operate the house as the debt free owner from XX/XX/XXXX until XXXX of XX/XX/XXXXor over 8.5 years when suddenly another lender, The XXXX XXXX XXXX XXXX XXXX represented by XXXX XXXX and XXXX tacked a Notice of Default on the front and back door of my house. They too may have acted illegally in doing that. Please investigate and let me know your findings. Now let me point out that Washington State has a Statute of Limitations law which says that if a lender takes no legal action to collect a debt for six years then it can no longer do so. They also have a gift law that says once you give real property to someone as a gift that you can not ask for it back. And my third legal defense point is that there are very specific legal rules that a bank has to follow to carry out what is called a non-judicial foreclosure. And the XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX like XXXX XXXX XXXX in XX/XX/XXXXhas not followed these specific legal rules. My law suit : In XXXX of XXXX I filed a law suit in the Superior Court of XXXX County, Washington State against the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX in which I stated the above described three legal reasons as to why these three financial institutions were acting improperly and illegally to foreclose against me. And I asked the Court to give me : 1. Clear title to my house without any debt 2. All of my legal fees which at this point = about {$11000.00} 3. Damages in the amount of {$900.00} per month since XX/XX/XXXX when they improperly and illegally tacked the Notice of Default to the front and back door of my house. This action caused my tenant to quite paying me rent and after three more months she moved out. These damages now amount to 16 months x {$900.00} or {$14000.00}. On XX/XX/XXXXthe defendants in this law suit asked the judge to require me to pay them {$1400.00} per month while waiting for the judge to hear and decide this case. He denied their request. So I do not have to pay them anything until the judge hears and decides this case. Now last week when I read the defendants ( the three financial institutions ) response to my law suit, and also went back and re-read their Notice of Default It suddenly hit me that perhaps we are overlooking a very important legal fact. And that is we have been assuming that we are now dealing with the same bank or financial institution that gave me the original loan and in fact we are not. In fact, according to the Notice of Default, on or about XX/XX/XXXX a fraudulent crime was committed. The bank that gave me the loan in XX/XX/XXXXand then foreclosed on me in XX/XX/XXXXand took repossession of my house for about two weeks and then gave me my house back as a gift without requiring that I sign a new loan or start making and monthly payments is not the same bank as the 3 defendants in this lawsuit. And that is because-according to the Notice of Default on XX/XX/XXXX XXXX XXXX XXXX who must have been representing the XXXX XXXX XXXX which bought XXXX XXXX XXXX in XXXX knowingly and fraudulently sold what they knew was a bad loan or actually a loan that they had written off as uncollectable in XX/XX/XXXX to the XXXX XXXX XXXX XXXX XXXX FKA. Again it is clearly a crime to sell something which you know is of no value to someone else for a lot of money. Therefore the 3 defendants in this case do not know the true background in this case and they do not have the files to defend themselves or to refute me. They know nothing about what happened in XXXX. But they should be asking questions of the XXXX XXXX XXXX as to why they foreclosed against me in XXXX, took possession of my house and then gave it back to me without requiring me to sign a new loan or make any payments. And then why did the XXXX XXXX XXXX not take any further legal action against me or make any attempt to collect on this loan for nearly three years after which they fraudulently sold it to The XXXX XXXX XXXX XXXX XXXX FKA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-20

Tampa, 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

Timely Response

2017-07-20

NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I APPLIED FOR HARDSHIP ASSISTANCE AND WAS DENIED DUE TO THEY CAN NOT FIND A FEASIBLE MORTGAGE PAYMENT. MY HUSBAND AND I ARE REQUESTING FOR HELP DUE TO MEDICAL PROBLEMS, MY HUSBAND WAS DIAGNOSED WITH XXXX XXXX. WHILE WE WERE DEALING WITH THAT WE EMPTIED OUR SAVINGS PAYING OUR MORTGAGE, OTHER BILLS AND MEDICAL. WE GOT TO THE POINT OF RUNNING OUT OF OUR SAVINGS AND KNEW WE NEEDED HELP SO WE HAVE REACHED OUT TO OUR LENDER AND WAS DENIED AGAIN DUE TO COULD NOT CREATE AN AFFORDABLE PAYMENT. HOWEVER, IN THE SAME BREATHE THE DID FIND SOMETHING AFFORDABLE WHICH WAS A REPAYMENT PLAN. THIS REPAYMENT PLAN THAT THEY ARE SAYING IS MORE AFFORDABLE THAN RE-AMORTIZING MY LOAN OVER 40 YEARS WITH A 4 % INTEREST RATE. THE RE-PAYMENT PLAN SPS IS STATING IS AFFORDABLE IS {$3900.00}, HOW IS THAT FEASIBLE OR AFFORDABLE THAN A MODIFICATION?!?!?!?!???? OUR FIXED HOUSEHOLD INCOME NET IS {$4400.00}, CAR NOTE {$300.00}, CREDIT CARDS {$150.00} = {$4300.00} IS AFFORDABLE TO THEM????? HOW IS {$68.00} AFFORDABLE TO PAY FOR GROCERIES, UTILITIES, INSURANCE AND MY PRESCRIPTIONS???? I RAN MY MORTGAGE INFORMATION THROUGH A CALCULATOR AND WHAT IS AFFORDABLE IS A 4 %, 40 YEAR LOAN WITH THE DELINQUENT AMOUNT ADDED TO THE BACK OF THE LOAN WHICH WOULD BE ABOUT {$2100.00}. IT IS CLEAR THAT SPS IS TRYING TO TAKE ADVANTAGE OF MY HUSBAND AND I SINCE WE ARE XXXX YEARS OF AGE. THIS IS THE EPITOME OF DISCRIMINATION AGAINST ELDERLY. I WILL NOT BE VICTIMIZE BY SPS AND HAVE ALSO FORWARDED THIS COMPLAINT TO MY STATE ATTORNEY GENERAL. I HAVE OWNED MY HOME FOR OVER 27 YEARS AND NEED HELP DUE TO MY HUSBANDS MEDICAL ISSUES. MY INVESTOR HAS MADE MORE THAN ENOUGH ON US IN INTEREST TO MODIFY OUR MORTGAGE TERMS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-20

Oakland, CA

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

Timely Response

2017-07-20

Vista Del Lago, PR

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

2017-07-19

Ernul, NC

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

2017-07-19

Rncho Domingz, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: CONSUMER PROTECTION COMPLAINT : XXXX XXXX XXXX I am writing this complaint because I do not know what else to do.can someone please help! Recent events in my life such as the XXXX of my mother ( buried her XXXX XXXX ) ; the accidental XXXX of my brother ( buried him XXXX XXXX ) and now the threat of the loss of our home and/or being homeless, the mortgage company sent letters to inform me we owe {$16000.00} escrow payment and a balloon payment of {$240000.00}, which leaves me completely in shock. I share this home with my daughter, who pays 92 % of the mortgage, and I am a senior over XXXX trying to survive on my social security benefits. A year ago there was not even a hint that we would be faced this type demand. I called a few weeks ago requesting an explanation why this is happening but I have not received an explanation. Please, please, please can someone help us because I do not believe I can survive another major loss? Our mortgage payments are presently current ; however, we do not have the type of money this mortgage company is asking us to pay. More than a year ago the mortgage denied our request for a loan modification. It is extremely disturbing to try to understand why the mortgage company is being so aggressive now. We requested this mortgage modification because of the pending increases from 2 % to 4.6 % in our mortgage. My fixed income from Social Security is {$940.00} per month ; my primary caregiver is my daughter and her only source of income is her work salary of {$2900.00} net monthly income. Since that time our mortgage payments increased from {$1800.00} to {$2000.00} in XXXX increasing now to over {$2900.00}. Now with our mortgage payments increasing by {$1000.00} a month ; we will not be able to pay for our other house expenses ; utilities, gas, auto insurance, food, clothing, prescriptions, medical bills, student loan and other miscellaneous necessities. Because of the mortgage increase, there has been an extreme hardship and threatens the possible loss of our home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-19

Columbia, MD

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

2017-07-19

Rncho Domingz, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: This is a long story that started with a Ch. XXXX BK in XXXX. BK ended in XXXX XXXX. My original mortgage was in XXXX just before collapse of real estate market with XXXX. The mortgage moved to XXXX, then to XXXX XXXX XXXX XXXX, then a shady secret account called XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Then to a collection agency : SPS ( Select Portfolio Services ) and now since XXXX XXXX with XXXX, but XXXX still holds the deed. the 2 later are collectors, not really mortgage companies, and are constantly trying to toss me out despite being not only fully paid but have paid too much. When XXXX transferred it to XXXX XXXX XXXX they didnt give them a full accounting, so I ended up in BK trustee court which proved I was paid in full with a court order. In XXXX. Yet, after BK was over and SPS took over they kept claiming I owed anywhere from $ XXXX to $ XXXX in unpaid mortgages they couldnt quite get their numbers straightXXXX morning XXXX they called at XXXX XXXX telling me they were going to foreclose on my home. Lovely XXXX gift.. ruining my XXXX. in XXXX, they started cashing my checks electronically from XXXX XXXX which somehow, I never got credit for, so when XXXX took over in XXXX XXXX, they claimed I owed XXXX K approximately. Even though according to my records I had paid almost {$3000.00} too much that I wanted to go towards principal. I sent them all payment slips and proof from bank statements, but in a phone call they said " we do n't care '' ... ... Despite my complaints and massive letters with bank records they threatened me so bad I paid it in XXXX of XXXX. I do not get ANY statements but have continued to pay monthly mortgage payments, yet today I got another letter stating I owe over {$7000.00} since XXXX ... I called an they claim my mortgage went from {$1400.00} to {$3000.00} in XXXX due to flexible rates ... even though mine has been the same more or less for years, give or take a few hundred dollars.. They claim they sent me letters to this fact which they did n't ... I get lots of letters claiming to default on my condo but none with any amounts in it ... I have never received a proper statement. Every check I pay with, I write on it : " I still did n't get a statement '' If I had of seen such a letter I would put up quite a stink. I am getting so tired of this. Its a cartel of corruption. I have sent so many letters, called and gotten disgusting people on the phone ... claiming they dont care what I say, dont care about my bank statements ... this has to end. I have recorded conversations. I am being abused and cant afford an attorney. I want my XXXX K back or at least applied to principal. During XXXX i did n't even get a XXXX Tax form credit of mortgage interest payments to use against my taxes ...
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-19

Littleton, CO

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

Timely Response

2017-07-18

Flanders, NY

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

2017-07-18

Point Arena Air Force Statio, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: My loan was sold on XX/XX/XXXX from XXXX XXXX to Select Portfolio Servicing. I received a letter in early XXXX from XXXX that my escrow account was short {$540.00}. In this letter from XXXX , they documented in writing that I had two options. I could have my payment increased to {$900.00} or I could pay the shortage by XX/XX/XXXX XXXX XXXX , 2017 and my payments would be at {$860.00}. This has happened to me over the years and I have always opted to pay the escrow shortage in full rather than increase my payment. So, I sent XXXX the check for {$540.00} on XXXX XXXX , 2017 . Well, XXXX sold my loan to Select Portfolio Servicing on XXXX XXXX , 2017 which I was not aware of until XXXX XXXX , 2017 as I received a letter from Select Portfolio Servicing dated XXXX XXXX , 2017, t wo d ays before the mortgage due date. I recently found out last week that XXXX XXXX sent my escrow shortage check back to me because the loan was sold. Now, Select Portfolio Servicing will not correct the payment amount. I have been on the phone with them three times in the last 24 hours and other times earlier in the month to get information to correct this problem. They informed me to go ahead and make my payment on line and pay the shortage. But the online system wo n't let me do that. The on-line system will only take the full payment of {$900.00} which is the wrong amount. So I call again and the representative offers to take it over the phone. I give him the bank routing number and my account number to deduct from my checking account and he says the routing number is not right. I have had this account for years and I am reading the number right off the check and I read it to him at least 5 times and still he tells me it 's not correct. Next, the then tells me to go back online and try it again. I do, and the system wo n't take my payment. I call back again, and another representative says he can take both the correct payment of {$860.00} and the escrow shortage of {$540.00}. I am relieved to know I finally have someone who can process a simple payment and escrow shortage. Then, he tells me I have to pay {$15.00} to process the payments and I said " No, this is your issue, not mine and I should not have to go through all this stress and anxiety to make a payment. Especially since I have paid my mortgage on time for the last 10 years and I have never had to pay any fees of any kind. '' After numerous calls and attempts to make this payment and the escrow payment, I am now late on my mortgage and I am extremely upset with both XXXX for returning my check without even contacting me and wit h Select Portfolio Serving for finding numerous ways not to accept my mortgage payment and my escrow shortage payment. This is completely abusive and I have been in the banking/mortgage banking industry for 30 years and there is no way the routing number was wrong and they are lying to get a late fee out of me. The online system took the routing number the first time when I typed it in. It should also be noted that I sen t Select Portfolio Servicing the documentation from XXXX to prove my payment is {$860.00} and proof of the escrow shortage of {$540.00} along with the proof of my options.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

HI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing ( SPS ) has continued to not resolve the dispute that had led to the filing of complaint numbers XXXX , XXXX , XXXX and XXXX against SPS and XXXX and XXXX against XXXX with the CFPB. None of the complaints have been resolved. In each of SPSs letters responding to my complaints, they do not adequately answer any of the questions that I have asked. They have not provided any evidence that the mortgage originator and mortgage broker were licensed in Hawaii at the time I received my mortgage. If they were not, then the mortgage is void and unenforceable, a precedent set by a Hawaii Supreme Court decision in XXXX . They have not provided any evidence that the foreclosure proceedings, if filed, have been converted from a non-judicial foreclosure to a judicial foreclosure as they claim. They have not investigated my claims of an agreement I had with XXXX prior to SPS taking over the servicing of the mortgage, that are detailed on recordings that XXXX owns. SPS states that XXXX does not have any evidence of the agreement. The agreement is stated on the recordings and without hearing the recordings, which is the evidence XXXX is suppressing, then my complaints will continue until XXXX and SPS comply. SPS continues to mislead the CFPB by stating that they have tried to reach me by telephone but fail to acknowledge that I have returned their phone calls when they leave messages. I reviewed my caller ID this morning and found more recent phone calls from SPS were made but there werent any messages left on my voice mail. This is another deception by SPS to attempt to deceive the CFPB into thinking that I am unreachable and do not return phone calls. If a voice message was left I have always returned the call. I can not see caller ID when I access messages from a remote location. If a voice message was not left I have no knowledge of the call. SPS continues to state in their correspondence that they are committed to helping people retain their homes. I have given them every opportunity to honor the XXXX agreement, which is listed in all of my CBPB complaints. Once they honor the agreement I will gladly resume my payments. They also must fix my credit report because I would have resumed my payments as agreed in XX/XX/XXXX if the agreement I had with XX/XX/XXXX was honored at that time. As stated in previous complaints, I am continuing to get punished by negative reports on my credit report because I do not have another option to defend myself in this dispute. As previously stated numerous times over the last few years, I can resume my payments at any time, but SPS can still foreclose and will continue to designate XX/XX/XXXX -day late notices on my credit reports. Also, SPS and XX/XX/XXXX do not have offices in Hawaii so I can not subpoena the recordings. I am confident that if a foreclosure is filed, and the mortgage is not void and unenforceable, that the Judge will order the recordings I have continually requested, delivered to the court. I have made every effort to keep a foreclosure from proceeding but SPSs continuing refusal to demand XX/XX/XXXX turn over the recordings, and their repeated statements that the matter has been resolved has led to these drastic actions.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-18

Flanders, NY

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

2017-07-18

Lees Summit, MO

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

Timely Response

2017-07-18

Miami, FL

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

2017-07-18

Sparta, NJ

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

2017-07-17

Santa Ysabel, CA

Attempts to collect debt not owed

Debt collection: Mortgage debt

Debt was result of identity theft
Complaint: This is the second Cease and Desist letter that I have sent to Select Portfolio Services and XXXX XXXX XXXX ( a fraudulently substituted trustee ) attempting to foreclose on a Deed of Trust recorded on XXXX XXXX , 2007. Both are acting in concert and with the help of a fraudulent and robo-signed Assignment of Deed of Trust executed and recorded at the XXXX XXXX XXXX XXXX by XXXX XXXX XXXX who is not a party to my Adjustable Rate Note and my Deed of Trust. XXXX I have also sent a Qualified Written Request and they turn around proceed with the TRUSTEE SALE without appropriately responding to my QWR and Cease and Desist Letter. XXXX I have disputed the validity of the debt, the Assignment of Deed of Trust and the Substitution of Trustee.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-07-17

NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt was paid
Complaint: To Whom It May Concern : This is in reference to your letter dated XXXX XXXX , 2017 regarding an alleged shortage or deficiency in the escrow account related to your mortgage. Please be advised that we do not have an escrow account with Select Portfolio Servicing ( SPS ) or any account for which we have any contracted responsibility with SPS. This letter also disputes and denies that SPS is the mortgage servicer for any account related to our mortgage. SPS is a known sub-servicer / vendor acting on its own and for its own benefit and profit. This letter further disputes and denies that the account number referenced has any relevance or relationship to any mortgage legally authorized by the parties named in your correspondence. This letter also disputes and denies that the parties named in your correspondence are any parties who authorized any documents or actions in which SPS attempts to enforce in any manner. Yours truly, XXXX XXXX Encl : Copy of letter from SPS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-07-17

Bronx, NY

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

2017-07-17

Bronx, NY

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

2017-07-17

Rochdale, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing continues to violate my Fair Debt Collection Practice Act by submitting false information to Credit Reporting Agencies. SPS has not removed false degoratory comments on my credit report. These wrongful comments have adversely affected my credit worthiness and hampered my chances of acquiring new credit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response