SELECT PORTFOLIO SERVICING, INC

2017-02-14

Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I was approved for a loan modification on XXXX XXXX, XXXX in the amount of {$1100.00}, to begin XXXX XXXX, XXXX. ( refer to pgs XXXX ). Said payments where paid in certified funds as requested. ( pgs.XXXX ). On XXXX XXXX, XXXX, I received a letter stating THIS IS YOUR SECOND WRITTEN NOTICE, which prompted me to call SPS as to the nature of what the letter was about. I was told that numerous pieces of mail were mailed to the property address for me to accept the terms of the {$1100.00}. I asked that the call be recorded. At no point in time did I ever receive anything via USPS or cert mail. I requested that anything and everything that was sent to me in regards to accepting the terms to please send again and mail to my work address for if it needed to be signed for I would be there Monday -Friday from XXXX. Today being XXXX XXXX, XXXX, I have yet to receive. My trial period was for 3 months and as a homeowner I did as requested and continued to pay my {$1100.00} as agreed. ( pgs XXXX ). XXXX XXXX, XXXX I receive a letter to qualify for loss mitigation ( which over the course of the last four years, I already had to do TWICE just to get approved at the current amount of {$1100.00} ) for a new payment amount of {$1700.00} effective XXXX XXXX, XXXX. I have already been approved for {$1100.00} and should not have to be put through this again. In addition, I was approved based on my income, which has not changed but SPS increased over {$600.00}. This is being set up for me to fail. SPS has already done the numbers and I have provided everything they requested and increase of such will force me to lose my home. ( pgs. XXXX ). XXXX XXXX, XXXX I receive a letter that my loan was referred to the foreclosure department, but they just tried to get me to accept new loan modification terms. ( pg XXXX ). XXXX XXXX, XXXX received another letter from SPS in regards to assistance. ( pageXXXXXXXX ). XXXX XXXX, XXXX I receive my cashiers check back for my XXXX XXXX payment stating that it was short. How can it be short? The new terms where not excepted nor even due until XXXX XXXX, XXXX. On top of that they tell me that {$170000.00} need to be paid or I will go into foreclosure on XXXX XXXX, XXXX but wait they want to increase by loan modification as of XXXX XXXX, XXXX. Not only do SPS timelines NOT add up. I have continued to pay my {$1100.00} and fulfill my obligation as a homeowner only to get railroaded. SPS is no more than bullying me, strong arming me and my son out of our home. My loan modification was approved, I continued to pay and now they are trying to use some loop hole to discredit everything I have worked for. This should be a criminal action. Just last week I read an article in XXXX about mortgage companies pushing homeowners out. What I thought was a done deal is now a nightmare again and I need your help.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-14

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I hereby XXXX XXXX, files this complaint for the following violations : 1. Violations of Florida Statutes " standing '' rules to enforce note and mortgage 2. Sham Foreclosure complaint 3. Forged affidavits in connection with a lost note affidavit 4. Failure to process loan modification request and the time allow to submit documents In a foreclosure action, a " plaintiff must prove that it had standing to foreclose when complaint was filed. XXXX ( XXXX ). A party must prove it has " standing '' to bring a mortgage foreclosure complaint by " establishing '' an assignment or equitable transfer of the note and mortgage prior to instituting the complaint ''. XXXX ( XXXX XXXX XXXX XXXX ) ( XXXX ). The plaintiff in this case filed the XXXX in XXXX. Florida statutes pertaining to standing to sue have been established for over 100 years. Florida case law explains in XXXX ( XXXX XXXX XXXX XXXX ), in order to have standing the " original '' lender must also have standing at the time the complaint was filed. The record shows that XXXX XXXX XXXX, the original lender did not have standing at the time the plaintiff filed the lawsuit because XXXX XXXX have been " terminated " since XXXX/XXXX/XXXX. The Florida XXXX defines a " holder '' to be the person in possession of a negotiable instrument thetas payable either to bearer or to an identified person that is in possession XXXX ( XXXX ). The last page of the note reveals no endorsement whatsoever. Neither the records reveals any assignment of mortgage from XXXX XXXX XXXX ( original lender ) to XXXX, XXXX, or Select Portfolio Loan Servicing LLC. Under Florida statutes a plaintiff can also prove standing by submitting an affidavit of lost note, however the affidavit must reflect endorsement payable to the plaintiff. The record reveals that the affidavit made by XXXX XXXX does not referenced to whom the note was payable to because it failed to reflect any endorsement. Therefore the note was never negotiated or made payable to the Plaintiff. The affidavit was not executed by XXXX XXXX. A copy of the notary application from the State of Utah reveals that XXXX XXXX did not executed the lost note affidavit executed by the well known ROBO signer XXXX XXXX. The signature of XXXX XXXX reflected on the affidavit by XXXX does not correspond to the signature reflected on the Notary application. Notaries must signed the application twice to establish their handwriting. The record reveals is not a match. Select Portfolio Loan Servicing brought fraud upon the court which warrants a dismissal with prejudice according to Florida case Law as matter of law. Select Portfolio claims to have denied our mortgage request dated XXXX/XXXX/XXXX. The record reveals we applied in XXXX XXXX and not in XXXX XXXX. The reason select portfolio servicing claims to have receive application on XXXX/XXXX/XXXX is for the sole purpose to allegedly establish we did not comply with document within the time allowed. Select Portfolio servicing complaint will be forward to the Office of the inspector general for further law enforcement action. We are requesting law enforcement that XXXX and XXXX be brought to justice in this case for submitting fraudulent documents in connection with a foreclosure action. The judge presiding in this case should also be investigate and is another reason the final judgment was entered despite of the insufficient proof of standing and the forged documents to be admitted into evidence. Florida Judges cite with plaintiff whether or not have standing and the matter has gone too far in this state.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2017-02-14

Garden Grove, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Corona, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Corona, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-02-13

Aura, NJ

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Oxford, GA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I am once again filing a complaint for Select Portfolio servicing out of XXXX, Utah. My loan they claim they are servicing has XXXX as the trustee. Select portfolio is also owned by XXXX. XXXX these banks have, as late last year, agreed to settlements due to fraudulant mortgage practices and have agreed to help the borrowers as part of their settlement. I called Select Portfolio to see if my mortgage would be part of the settlement. I have tried for many years to get a fair modification from Select Portfolio. They claim to have no idea about how the settlement would work or if I am a part of it. I have sent documents, as instructed by both XXXX and XXXX XXXX, to find out if the trust my loan is part of will be getting funds from the settlement. In the mean time, although I had talked to Select Portfolio telling them what I had done and that I would not be hearing from either bank for a couple of weeks, they have foreclosed on my house. The sale date is XX/XX/2016. I believe I should not be foreclosed on while I wait for information on settlements from XXXX banks that select portfolio is heavily involved with and I demand they hold off on the foreclosure process until they know if my loan is part of the settlement from their parent company, XXXX XXXX or from the trustee bank XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-13

East Rockaway, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Hewlett, NY

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2017-02-13

Corona, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-13

San Gabriel, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-13

Juniper Hills, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SPS has taken advantage of us twice. We are 3-4 months behind on payments because they messed up on a MOD that they will not correct. I have written a letter to XXXX XXXX today letting him know we want help.We just want them to correct their mistake and catch up out payments. They raised our interest rate 1.5 % in a new MOD. We didnt find that out until we made our trial payments. When we complained we went into review. Nobody told us to make payment while in review. Long story short if they would listen to their recorded calls theyd know they caused this. We 've been taken advantage of enough! Im tired of trying to catch these payments up with NO help!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-11

Dublin, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2017-02-10

Aliso Viejo, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2017-02-10

Hillside, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-10

New Britain, CT

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-10

Fort Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-10

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: No Timely Response

2017-02-10

Colts Neck, NJ

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: REFERENCE : XXXX XXXX XXXX XXXX XXXX, NJ XXXX FORECLOSURE STATUS XXXX/XXXX/XXXX We have placed a complaint that the above mentioned property is a " zombie property '' with CFPB Consumer Finance. The lender XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX NJ XXXX responded to the complaint stating that Select Portfolio Servicing Inc. took the servicing right of the loan on XXXX XXXX, XXXX. We are completing another complaint to include your company The address : XXXX XXXX XXXX, XXXX XXXX, NJ XXXX foreclosure status since XXXX The bank XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NJ XXXX has failed to foreclosure and failed to maintain the property. The XXXX XXXX XXXX XXXX XXXX would request that the bank complete the foreclosure process and maintain this property unit a new owner purchases this residence. The " zombie home '' decreases property values within the community and causes hardship for homeowners who wish to sell or refinance their homes. Thank you for submitting your concerns about the property listed above. Because we value our customers ' privacy, we wo n't discuss any account information with you without their permission. The servicing rights of the loan were transferred to Select Portfolio Servicing ( SPS ) Inc. on XXXX XXXX, XXXX. You will need to contact the servicer for additional assistance at : Mail : Select Portfolio Servicing , Inc Attn : General Correspondence XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Response We received your inquiry from the Consumer Financial Protection Bureau on XXXX XXXX, XXXX. We have completed our research and have mailed you a letter with our findings, and any next steps, if applicable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-02-09

Baltimore, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-02-09

Cupertino, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2017-02-09

Baltimore, MD

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2017-02-09

Wilmington, DE

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is additional information to my complaint already submitted and this is pertinent information. I just set up 2 mortgage payments with Select Portfolio Servicing Company and was asked if I wanted to pay something towards the over {$600.00} fees. I was shocked and looked at my statement and advised XXXX ( rep ) that I see something on my statement that says " other charges and fees '' {$370.00}. I asked her what that charge was for and she said I was looking at XXXX statement and fees are now over {$600.00}. ( I ca n't remember exact amount. XXXX advised that each time someone does a drive by to check if my house is occupied, there is a fee. She stated if a home inspection was done, there is also a fee. I was shocked to think over {$300.00} is charged for something like this. First of all, NO home inspection was done. I have XXXX big dogs and people do n't come near my house, nor did I set up a " home inspection. '' Second of all, there is no reason for this company to think this property is n't occupied considering all of the correspondence between us. Someone please check into the fees I 'm being charged as I do NOT agree with this practice.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2017-02-08

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

Disputed: Yes Timely Response

2017-02-08

Shulerville, SC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response