SELECT PORTFOLIO SERVICING, INC

2019-09-05

Snellville, GA

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2019-09-05

Island Trees, NY

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Besides the fact that now this company charges {$5.00} each month I make my payment on line, once again when I send an escrow check to cover the shortage, my monthly amount increases and I do not know where my check goes. In XX/XX/2019 I had received a letter regarding my escrow shortage. I sent the check on XX/XX/2019 of {$300.00} to cover the shortage. On my statement dated XX/XX/2019 shows they received the check & applied to " special deposit '' instead of escrow. My XX/XX/2019 monthly payment increased regardless. Same thing happened last year and when I called the response seemed confusing. I let it go because I was going through a difficult emotional time and could not handle another stress. This time it happened again and I am not letting it go. I need to understand where the checks have been applied each year since it is not going into my escrow as it should be.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

Tampa, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Sold our home on XX/XX/XXXX. Received letter stating our escrow check would be refunded within 30 days. After not receiving check we called on XX/XX/2019. They said check had been sent out! We said we had not received check.They canceled check. On XX/XX/XXXX we received a checked dated XX/XX/XXXX with a USPS canceled envelope date of XX/XX/XXXX. We cashed the check since we believed that the check was in good order and since it was postmarked XX/XX/XXXX. Check then bounced. Called company they said that sent check on XX/XX/2019. As of XX/XX/2019 we have not received a check for our escrow balance and we have incured stop payment fees of {$10.00}. This Servicer Select Portfolio Servicing Inc. has been using our money and not refunded our escrow funds in a timely manner with in the 30 days. It has now been almost 60 days and we still have not received our escrow funds which is in excess of {$4700.00}.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-05

Chicago, IL

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2019-09-04

Fort Lauderdale, 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

2019-09-04

Atlanta, GA

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

2019-09-04

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am writing this letter because SPS lies about not giving me a sale date. On XX/XX/2019 SPS said that I did not have a sale date, however today I received a letter dated XX/XX/2019 stating that I do have a sale date. The sale date case after I sent a QWR dated and received by SPS on XX/XX/2019. I talked to SPS today and they told me that they are not going to respond to the QWR sent on XX/XX/2019. They also told my bank XXXX to freeze my account because I sent them a QWR. SPS is working with XXXX XXXX and XXXX XXXX XXXX to threaten me into doing a short sale. I want the XX/XX/2019 sale date stopped and I want SPS and XXXX XXXX XXXX to stop calling my bank telling them to freeze my assets. I plan to sue SPS and XXXX XXXX XXXX for the threats.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-03

Fairburn, GA

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2019-09-02

Columbia, SC

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I share with you a disheartening journey that is a devastation. I have been a hard-working man all my life especially made it my business to support my family and in some cases working 2 and 3 jobs. About 20 years ago, I got a mortgage and obtained my first house for my wife and our growing family. I have paid that mortgage consistently throughout those 20 years to XXXX XXXX XXXX and I have not refinanced or borrowed against the equity. Now that I am close to paying off my 30-year mortgage, an unknown company that bought my mortgage about 2 years ago, is trying to blindside me and take my home and flip it for profit. The old mortgage company it seems conducted a transfer to Select Portfolio Service , Inc. I have been with the previous holders for years and paying without any problems. There has been lack of explanation of why increased monthly payments from {$790.00} to {$1300.00}. I had not refinanced, and am not aware of any financing activity against the mortgage. I questioned the Select Portfolio in XX/XX/XXXX and earlier XXXX after they returned my payment and their representative claimed we do not accept late payment ''. I was baffled. My payment was not late and a payment is a payment. The mortgage invoices also stopped, I did not apply for paperless billing opted for direct withdrawal. About a year ago, my wife 's job closed down in XXXX and my job in XXXX XXXX was subject to cut in salary. Plus my wife had to undergo emergency XXXX XXXX. This left me as the only breadwinner. I got another job and it took 6 months before my wife found employment. Then in XX/XX/XXXX, a deer leapt out in the path of my truck while driving home. The deer was spared, but my vehicle flipped over two or three times. The vehicle was totaled and I suffered multiple injuries. Luckily, no one else was involved in the accident, however, I had XXXX XXXX XXXX requiring XXXX XXXX to stop XXXX of the XXXX. While convalescent, our auto carrier informed us that my injuries were not covered, that only covered liability for " the other driver '', but in this case the accident did not involve another driver, just me. Although my employer group medical coverage covered a portion of the medical expenses. To add more insult to injury, I was terminated effective XX/XX/XXXX, the employer stated they were not required to keep my position over 90 days, which has since passed. And I am now without health coverage as of XX/XX/XXXX. On XX/XX/XXXX, I received a letter from Select Portfolio mortgage company informing us that my house is being foreclosed as of XX/XX/XXXX, and that it is listed on public sites and in the newspaper, along with Loss Mitigation documents requesting payments in the amounts of : {$1500.00} on XX/XX/XXXX ; {$750.00} on XX/XX/XXXX ; {$750.00} on XX/XX/XXXX ; and {$750.00} on XX/XX/XXXX. The staff at the company was neither helpful nor fluid at explaining. As stated above, Select Portfolio, was sent a request to restructure my mortgage due to temporary hardships related to job issues and further updated after my unforseeable automobile accident. We responded to their requests for documents months ago per instructions. Upon followup, Select Portfolio denied receipt of my paperwork, claiming missing pages from my divorce papers, in addition, the representative claimed there is nothing they could do and that my only option is foreclosure that the balance of the mortgage was accelerated from the previous balance of approximately {$50000.00} to over {$67000.00} ( $ 50,000+ {$17000.00} ). The unwillingness exhibited by this company to work with me resulted in arrears. Since the receipt of this letter on XX/XX/XXXX, I have been trying to get answers and discovered that Select Portfolio Services , Inc. located in Florida, has allegedly conducted unusual tactics involving mortgage payments. I have filed a complaint with the Attorney General and have been advised to do the same in South Carolina. I am trying to save my home from foreclosure which I share with my family as well as avoid being a victim of predatory lender 's investor schemes. I have worked to maintain this house with hard work and due diligence and ironically in this climate of unstable economy are being pushed into homelessness.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2019-09-02

NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX Subject : Formal Complaint Against Select Portfolio Servicing Inc ( SPS ) To whom it may concern, While the following represents a new complaint lodged with you it follows on the heels of the previous complaint- # XXXX. Over the course of many months of negotiation with SPS along with the almost daily supply of demanded copious financial data with a view to arriving at a mutually acceptable familial home retention plan I reluctantly came to the realization that lenders are still involved in unscrupulous, disingenuous and indeed deceptive practices even in the wake of the XXXX financial crisis. In this particular case one is struck by the XX/XX/XXXX restructuring proposal ( attached ) which involved monthly payments of over {$13000.00} which is in excess of our GROSS monthly familial income and thus way above our net take home pay. Moreover, at the end of the first 12 months of payments we would be expected to make a balloon payment of a quarter of a million dollars! If I had that type of money lying around or indeed had the potential for it, I might well not require a restructuring at all!! I am XXXX years old and I include in that calculation my pension and social security payments. In all good faith I briefly explored financing options but rapidly came to the realization that I could well be induced into a situation where I could not possibly honor my financial commitments. Therefore, on XX/XX/XXXX I responded to SPS ( attached ) and pointed out that there must be some mistake here given their economic demand vis a vis the financial realities in which I find myself as I build some equity now after concluding a period of almost three years of unemployment. Their response of XX/XX/XXXX represented a XXXX slam the door in your face tactic of imposing an enforced foreclosure date of XX/XX/XXXX and no other content of a constructive nature. I have since written appeals to them on XX/XX/XXXX and XX/XX/XXXX ( attached ) in which I pointed out again the financial inconsistencies of their proposal. Moreover, I asked for more time to work collaboratively toward an operational agreement that can actually work over the long term. I also pointed out the religious sensitivities of this coming XXXX in terms of the XXXX XXXX Holidays which preclude all use of communication equipment and certainly moving is forbidden. Additionally, when I spoke to SPS last Friday I updated them as to the status and condition of my gravely ill father in law XXXX XXXX XXXX ( in XXXX XXXX XXXX ) which is preventing me from focusing on this issue with wife as she is there most of the time. I was left with the impression that SPS could not care less. Overall my disappointment and XXXX are accentuated by my clear and obvious willingness to collaborate, cooperate and negotiate throughout this lengthy process with no reciprocity from SPS! I have tried hard to build consensus and have been met exclusively with conflict. I firmly believe that that the enforced sale date should be cancelled or at least postponed while the two parties make reasonable requests of each other. Being asked to pay more than I earn can not be categorized as reasonable! In advance, I thank you for your time and attention. Sincerely yours, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-02

Fairburn, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2019-08-31

Ocklawaha, FL

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-31

Ocklawaha, FL

False statements or representation

Debt collection: Credit card debt

Impersonated attorney, law enforcement, or government official
Complaint: XXXX, XXXX informed him calls. They copy and accessively raised and created debt on credit cards.Credit report which i believe they Shared XXXX, with XXXX XXXX copied credit report, Mirepresented content of credit report and used, published information XXXX XXXX XXXX of disturbances and calls from XXXX XXXX XXXX, XXXX excessive TELEPHONE. account they shared information and copied credit report and of Data breach, Identity theft and Mortgage information with copied information off crtedit report to recreate accounts not authorized by me. Both lawyers credit iinformation was used. They comprimized my personal information and used it to empower themselves anti trustpersonal information. Reproduction of documents without permission, disputed charges. iI Fair credit Reporting Act ( FCRA ), 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to sending debt collection letters that violate federal law, violated the FCRA by putting out inaccurate info and not conducting a proper ... the acculicy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies ( subsequently amended ) consumer protection amendment, establishing legal protection from abusive debt collection practices Act, as ( FDCPA ) personal, Records Violations of Federal Law that limits the behavior and actions of third-party debt collectors Publishing Misrepresentation or deceit : Credit Protection Act, As Title VIII of That Act. 15 USC 1692b. Data Breaches, Frauds, Scams. Broadly Defines A Debt Collector As " Any Person Who Uses Any Instrumentality of Interstate Commerce or The Mails in Any Business, The Principal Purpose of which Is the Collection of Any Debts, who regularly collects or Attempts ' to Collect, Directly or Indirectly,. [ XXXX XXXX, victims of identity theft in the process Fraud, Scams, Cyber-Crime There is abundant evidence of the use of abusive, deceptive, unfair debt collection practices. Further communication with the consumer communicates Fraud caused by identity theft from Further with the with respect with such alleged, debt, deceptive practices. Not permitted under applicable law [ 22 ]. Further protection from attempt to harass, abusive, deceptive practices Fraud, publishing private information ; 3 ). The Abusive practices intrusion into the personal life of other invasions of individual privacy. Remedies for violations of the Act. [ 2 ] I protection from the misuse the Consumer notifies the debt collector to cease. Judges through binding precedent common law jurisdictions. Title VIII of that Act Disputes Third Party Contacts Illegal. Contracts by. Third party Debt Collectors ' Conduct Under the FDCPA Act Florida Constitutional Right to Privacy. Identity Theft intrusion on one 's solitude into one 's private affairs ; 2 ) notifies a debt collector in writing that the consumer refuses to pay consumer wishes the debt collector to cease further, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the delft collector 's further efforts are being terminated ; ( 2 ) to notify may invoke specified remedies which are ordinarily ( 3 ) where applicable ; to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification upon receipt. pursue remedies permitted [ 15 ]. Entity violates the FCRA, 1 ] under which Debt Collectors Conduct Business, 802. ( a ) abusive, deceptive, and unfair debt collection practices Rights of Debt collectors prescribes remedies for violations of the Act. [ 2 ]. Debt collector violations of the FDCPA Statutory entitled to recover Punitive damages {$1000.00} remedies for violations of the Act Florida 's Constitution explicitly recognizes a right to individual privacy. I, 23. Right of privacy Conclusion. Invasion of privacy. Third party ( C ) Debt collector Contract Law 15 USC Section 1692b. Violations of the Act. [ 2 ] Act. [ 3 ] [ 4 ], Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p Title VIII of that Act. Public Disclosure of After receiving written notice that said consumer wishes, no further communication, unless litigation '' lawsuit. has a from : 1 ). contract can not confer rights or impose obligation Respectfully,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-31

Centralia, WA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Awhile back I got a letter from select portfolio service. I looked at the payoff and was told I would have to come up with XXXX for the principal to pay off house. This didn't make any sense since I borrowed XXXX in XX/XX/XXXX and kept the payments up until XX/XX/XXXX. So I asked for a loan modification with XXXX XXXX XXXX. In XX/XX/XXXX I was given a loan modification. Then my loan servicer was dropped and I had a new servicer select portfolio select. They kept jerking me around for months and like 50 letters from SPS until I got them to take care of this and let me make a payment. So I started my payments and got print out of my loan balances. That letter stated I could pay the loan off with XXXX. So I called and said my payoff with XXXX was XXXX. So why do I owe more after 13 years of payments. They can't explain why I owe so much. I realize my year of missed payments was put on the end of the loan .I had planned on refinancing and getting rid of this SPS servicer. I can never get a straight answer or the same answer and after I call I get a letter explaining they are there for me. I had one time I called and was told not to look at the principal amount because it was wrong and needed figured out. If it wasn't for my wife and kids I would just walk away. Who says mortgage holders want the money and not the house. I feel they want the house
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Keyport, WA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XXXX my then wife and myself modified our mortgage under the HEMP plan. In XXXX my wife and I were divorced. In the divorce decree I recieved our house. My ex-wife also signed a notorized quit claim dead. In XX/XX/XXXX I modified my mortgage again under my name only. My mortgage provider at the time was the XXXX XXXX XXXX. I signed all agreements and provided a copy of my divorce decree and quit claim deed. My modification was approved in XXXX. I am now coming up on the end of my modification time line ( XXXX of XXXX ). In XX/XX/XXXX I am scheduled to have {$6000.00} dollars applied to my home loan for completng the Hemp program. My current mortgage provider now tells me I will not recieve the {$6000.00} dollars because the ( Dod Frank document ) is only signed by myself and does not include both my ex-wifes signature and mine. I have explained to my current mortgage company Select Portfolio Services that I did the current modification under my own name because I am divorced. The Select portfolio supervisor ( XXXX XXXX ) is telling me they will not pay the {$6000.00} dollars because I must have both signatures on the current Dod Frank form. I have explained to Select Portfolio Services over and over again that I am divorced, the house is mine and I did the modification under my own name. He is saying no matter what I must have both signatures on the current Dod Frank appication or they will not pay the {$6000.00} dollars. I feel this is incorrect and the supervisor XXXX XXXX is refusing to take care of the situation due to him being extremely stubborn.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Silverton, TX

Closing on a mortgage

Mortgage: Other type of mortgage

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

Timely Response

2019-08-30

Amherst, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing ( SPS ) wrongfully denied mortgage assistance ( loss mitigation ) we filed on XX/XX/2019 while violating RESPA loss mitigation laws. SPS denial letter of XX/XX/2019 ( attached ) stated Insufficient payment reduction. We are unable to offer you this program because in performing our underwriting of potential modification we could not reduce your interest and principal payment Same SPS letter of XX/XX/2019 letter listed only the following net present value ( NPV ) calculation inputs/assumptions : one numeric input ( property value ) and one unexplained valuation code ( DRVB ). The number of inputs cited above, allegedly used by SPS for loss mitigation NPV calculation, is inconsistent with much larger number of inputs typically needed to perform a loss mitigation NPV calculation. SPS did not disclose all inputs/assumptions to the net present value ( NPV ) calculation used to deny our trial or permanent loan modification eligibility as required by RESPA and CMR law. 12 CFR 1024.41 ( d ) ( 2 ) RESPA states : If a trial or permanent loan modification is denied because of a net present value calculation ( NPV ), the specific reasons in the notice provided to the borrower must include the inputs used in the net present value calculation. Additionally, 209 CMR56 requires that an NPV calculator approved by the Division of Banks, such as FDIC or HAMP or equivalent are used for loss mitigation NPV calculations. FDIC and HAMP calculator requires approximately forty or more unique inputs/assumptions to perform NPV calculation. Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Amherst, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing ( SPS ) made an error by turning us down for mortgage assistance ( loss mitigation ) we filed on XX/XX/2019. SPS denial letter of XX/XX/2019 ( attached ) stated that SPS reviewed ( our ) complete Assistance Review Application for eligibility under its loss mitigation options which are established through investors rules denials are based on criteria where your account did not pass program eligibility This is a violation of RESPA regulations 12CFR1024.41 because SPS did not disclose any owner/assignee/investors/guarantor rules that were used to deny us the trial or permanent loan modification. SPS full disclosure of owner/assignee/investors investor rules used of loan modification denial is required by RESPA law. 12 CFR 1024.41 ( d ) ( 1 ) RESPA regulation states : if a trial or permanent loan modification option is denied because of a requirement of an owner or assignee of a mortgage loan, the specific reasons in the notice provided to the borrower must identify the owner or assignee of the mortgage loan and the requirement that is the basis of the denial. A statement that the denial of a loan modification option is based on an investor requirement, without additional information specifically identifying the relevant investor or guarantor and the specific applicable requirement, is insufficient. Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. SPS response to CFPB complaint XXXX-XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Amherst, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: SPS denied us a repayment plan home retention in response to RMA we filed on XX/XX/XXXX ( 46 days before foreclosure then scheduled for XX/XX/XXXX ). RMA completeness was affirmed by SPS on XX/XX/XXXX or XXXX, XXXX. In XX/XX/XXXX response letter to our appeal of RMA repayment plan denial decision SPS changed the denial reason given to us to by SPS on XX/XX/XXXX. XX/XX/XXXX SPS rejection of the Repayment Plan option was due to our alleged bankruptcy status. In XX/XX/XXXX ( as well as on XX/XX/XXXX ) SPS changed the denial reason and informed us the reason for the denial of the Repayment Plan was because SPS previously provided a decision regarding this program on XX/XX/XXXX. ( i.e. during a separate loss mitigation evaluation conducted twelve ( 12 ) months prior to the XX/XX/XXXX recent decision ). SPS unfairly or unconscionably changed loan modification repayment plan denial reason to suit SPS objectives and to deny us repayment plan home retention option. 209 CMR 18.21A states : A third party loan servicer may not use unfair or unconscionable means in servicing any mortgage loan. Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. Tracking number Overnight Express U.S. Mail # XXXX XXXX XXXX XXXX XXXX XXXX SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Broadway Manchester, 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

2019-08-30

Amherst, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing ( SPS ) plans to conduct a foreclosure sale of our property in violation of 1024.41 ( g ) On XX/XX/2019 SPS wrongfully denied us loan modification/loss mitigation application and XX/XX/2019 appeal, while committing RESPA numerous violations. These RESPA violations remain uncorrected as of the date of this complaint. We will report these RESPA violations to SPS in separate Notices of Error for ease of tracking and legal reasons. Our complete RMA application was accepted by SPS more than 37 days before a foreclosure sale. Our appeal was timely submitted to SPS within 30 days of SPS loss mitigation decision. 12 CFR 1024.41 ( g ) states : If a borrower submits a complete loss mitigation application after a servicer has made the first notice or filing required by applicable law for any judicial or non-judicial foreclosure process but more than 37 days before a foreclosure sale, a servicer shall not move for foreclosure judgment or order of sale, or conduct a foreclosure sale, unless : ( 1 ) The servicer has sent the borrower a notice pursuant to paragraph ( c ) ( 1 ) ( ii ) of this section that the borrower is not eligible for any loss mitigation option and the appeal process in paragraph ( h ) of this section is not applicable, the borrower has not requested an appeal within the applicable time period for requesting an appeal, or the borrower 's appeal has been denied ; Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. SPS response to CFPB complaint XXXX-XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and CFPB complaint. Previous cited complaint was initiated by HUD after receiving a copy of our QWR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

Salem, NH

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

2019-08-30

Amherst, MA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: SPS denied us a repayment plan home retention in response to XXXX we filed on XX/XX/2019 XXXX 46 days before foreclosure then scheduled for XX/XX/2019 ). XXXX completeness was affirmed by SPS on XX/XX/XXXX or XXXX, 2019. SPS denial letter of XX/XX/2019 stated Prior evaluation completed. SPS are currently not eligible for this option because SPS have previously been provided with a decision for this program. Prior evaluation that SPS refers to, confirmed by phone with SPS Customer Service and SPS Ombudsman Office representatives in XX/XX/2019, regarded previous SPS loss mitigation decision of XX/XX/2019 which stated Active Bankruptcy. We are unable to offer you this program at this time because there is active bankruptcy filing referencing this account or property SPS failed to exercise due diligence required by RESPA and to verify our bankruptcy status. Our bankruptcy was dismissed on XX/XX/2019. SPS was notified of the above bankruptcy dismissal by the Bankruptcy Court on XX/XX/2019 according to the Courts Certificate of Notice 12 CFR 1024.41 ( c ) ( 4 ) ( i ) ( 1 ) states : During the first 30 days following receipt of a complete loss mitigation application. Section 1024.41 ( c ) ( 4 ) ( i ) requires a servicer to act with reasonable diligence to obtain documents or information that the servicer requires to determine which loss mitigation options, if any, it will offer to the borrower. At a minimum and without limitation, a servicer must request such documents or information from the appropriate party Attached please find the Notice of Error regarding the above matter we mailed via USPS overnight mail. SPS response to CFPB complaint XXXX regarding a separate matter of Qualified Written Request included some SPS statements regarding loss mitigation. However, loss mitigation errors discussed here were not subject of cited QWR and XXXX CFPB complaint. Previous cited complaint was initiated by HUD who received a copy of our QWR.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-08-30

N N, VA

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

2019-08-29

Gretna, LA

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I purchased my home in XX/XX/XXXX from XXXX XXXX XXXX. Years later XXXX XXXX XXXX purchased XXXX. My loan was paid off with XXXX. We even paid 2 payments in one month to reduce mortgage by 10 or 15 years. I started receiving letters from XXXX saying they had my mortgage, years later XXXX company. These people took over the loan around XX/XX/XXXX. They are extremely deceitful. They lie about payments not being made, when you see the payment on my bank statement. They add 2 or 3 different late payments in one month. I am sure my home is paid off so I do not know why I am making these payments. On XX/XX/XXXX I received a letter from XXXX saying they transfer my loan to SPS company. This is a Portfolio Company. These people have been harassing me by calling my home at least 12 times a day. When I answer the phone they hang up. I am making payments to them. They are saying that they are going to foreclosure on my home after XX/XX/XXXX if I do not make this ridiculous payment amount. First of all, I am not late with any payments. SPS was sending false information to the credit Bureaus regarding late payment status when I was not late and they said even if people were late they wouldn't provide any negative information before 60 days has passed. However, this still did not apply to me.. I also found out that XXXX still owns the loan. I XXXX reviews on XXXX and SPS and they both had 1000 's complaints. All of them familial to mine. Please help me with this serious issue. These people have added over hundreds of thousands of dollars being fraudulent and corrupt. Please I beg you in God 's name, help me with this fraud. I need to know what to do. I want to sue them because they have stolen from me and are threatening to take away my family home. I am broken emotionally and physically. Why would someone to this to anybody. Please help me. Respectfully Submitted, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response