SELECT PORTFOLIO SERVICING, INC

2016-10-03

Florence, SC

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-10-03

Arboga, 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

2016-10-03

Kendall, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

2016-10-03

Cameron Park, CA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-03

Kansas City, MO

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

2016-10-03

Jacksonville, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been going through foreclosure hearings this year, and it was decided XX/XX/XXXX that the sale date would be XX/XX/XXXX. I was offered a short sale on the property XX/XX/XXXX, and SPS day on their hands, and did nothing up until a few days before the sake date, then it was extended until XX/XX/XXXX, however SPS decided to deny the short sale because of the original sale date. Thus company does n't care what they do to consumers. 4 months of sit ting on a short sale offer, only to deny it because of their own laziness.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-01

Pierceton, IN

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

2016-09-30

Sidney, OH

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-09-30

Buck, PA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-09-29

City Ranch, CA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-29

Glendale, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

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

2016-09-29

Moreno Valley, 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: Yes Timely Response

2016-09-29

Houston, TX

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

2016-09-29

Marlboro, MD

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

2016-09-29

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

2016-09-29

Nantucket, MA

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

2016-09-29

Lannon, WI

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: XXXX real estate accounts with Select Portfolio Servicing are reporting on all XXXX of my credit reports. Select Portfolio Servicing has continued to break the law and report inaccurately to the XXXX credit bureaus. They have violated the FCRA over and over again. In particular they have violated FCRA Section 623 ( a ) ( 3 ) and FDCPA 807 ( 8 ). They had 30 days to report that I had disputed their the accounts and after numerous letters to them it has only been in the month of XXXX that they added the dispute language. Well after receiving numerous letters from me, asking them to validate the debt. In addition, to the above egregious acts they continue to report the amount wrong, they keep re-aging the foreclosure and charge-off. I have NEVER received foreclosure documents or charge-off documents. Lastly, I was told today that my accounts had be transferred and they have no information that they can provide me with however, they have enough information to keep inaccurately reporting to the credit bureaus. I believe that their actions are egregious toward me and as a direct result should be removed from all XXXX of my credit reports. I have pulled reports without the dispute language and reports with the language. I 've reached out to all XXXX credit bureaus only to continuosly responded with scripted information. XXXX ignore my concerns, talk extremely rude to me and have refused to help me. Please help me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-29

Royal Palm Beach, FL

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

2016-09-28

Stroudsburg, PA

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

2016-09-28

N Las Vegas, NV

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2016-09-28

Mountain View, OK

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Included in this complaint are documents to validate the various events that have taken place with Wells Fargo. This has been an ongoing issue since XXXX beginning with Wells Fargo filing an unreleased mortgage that included us in a foreclosure battle that should not have involved us, and has been ongoing and is still ongoing at present. This caused us to accumulate a debt of {$100000.00} for legal representation. In addition, there was d a discrepancy with the legal description of our property. Several modified agreements were rejected because of the discrepancy in the properties legal description although, we purchased title insurance. mortgage payments were returned and refused, We show several full release of mortgage entries with the XXXX XXXX XXXX 's XXXX, also showing that our property has been partially refinanced and we were not the individuals who refinanced it. Our credit report has shown " no-status since XXXX of XXXX which does not reflect any payments we have made on the property. Although we were told by Wells Fargo that we were not in their data base as their customer, they were said holders but could not produce the note. In XXXX, we received documentation from XXXX XXXX XXXX, appearing as mortgage server, showing where mortgage taxes and insurance had been paid into escrow by us. Because of the foreclosure process in order to keep from loosing our home were required to pay {$4500.00} up front to bring account current and {$2700.00} per month for approximately 7 months all resulting from an unreleased mortgage that was later replaced by a quiet title, however we were still held accountable to a mortgage note that had been paid. ( copy of release included in submitted documents ). We have continuously been in litigation for this same case that has now reached its limits according to the statute of limitation after we have received 3 dismissals of case in our favor. We are now experiencing what is legally described as " malicious prosecution ''. The case was first dismissed in XXXX, XXXX without prejudice, Wells Fargo filed a request to " Open to refile '' in XXXX of XXXX and it was dismissed with prejudice, again in our favor. Wells Fargo filed again on us on the XXXX of XXXX, XXXX, it was again dismissed with prejudice. We receive monthly communication from XXXX XXXX XXXX XXXX ( XXXX ) in regards to a Chapter XXXX Bankruptcy, in which we did NOT file. A lien has been placed against our property which prevents us from selling or refinancing our home. I pray that CFPB initiates a full investigation of Wells Fargo 's Mortgage lending practices in addition to their escrow collection practices and foreclosure procedures wrongfully against us that shows Wells Fargo has no right to foreclose according to the SECURITIZATION AUDIT initiated in XXXX, XXXX. We pray exposure, justice and recompense.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-28

Euclid, OH

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Hello, I am levying this complaint against SPS ( Select Portfolio Servicing ), as they are a loan servicer apparently acting on behalf of my actual note holder, in which they keep secret. My wife and I are in a state of stagnation with SPS, we have been pushing for a loan modification with SPS since XXXX 2016, we have been more than compliant. We have submitted every document they asked for multiple times. SPS has engaged in a relentless and classic form of stonewalling, and as they do so they are causing a serious financial dilemma for my family, as we have only been able to afford to pay the principle and interest. Here 's the scenario ; they 'll ask for a document, telling us that this is the last document they need, we always comply, then we here nothing, they go dormant. we contact them asking for the status of the modification, they 'll ask for some document they already received from us. SPS has a team of phone answering personnel who run interference for the so called underwriters, whom they claim are the problem ... they will never let us speak to the underwriters, Never! I have literally begged them for an viable answer, they know were sinking fast, so there must some sort benefit for them not to comply with us. Please help! I know we ca n't fight them alone, And I know we wo n't last like this. Currently with the payment were making the escrow is not being met, and its getting worse. I told this to SPS, they usually reply ; sorry ... PLEASE HELP US..
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-09-28

Marietta, GA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-09-28

Burlington, 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

2016-09-28

Onekama, MI

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX sold our mortgage to Select Servicing Portfolio and our first payment was to be sent to SPS by XXXX. Our payments were current when we were with XXXX but when the new company took over they stated we were a month behind. We sent the full payment to catch up the mortgage and they are still saying we are behind on our mortgage. We send weekly payments because my husband gets paid weekly. Before the sale our mortgage our payments were to be {$560.00} with XXXX and due XXXX but SPS is stating our payments are to be {$690.00}. They had our XXXX taxes as XXXX which was correct, until we requested a reanalysis, and SPS is claiming our XXXX taxes as {$1100.00} when they are only {$420.00}. New tax bills were submitted to them, at which time we asked for a Escrow Re-Analysis at which time they changed our XXXX tax amount to our winter tax amount but they are still claiming our winter taxes as {$1100.00}, which is over 4 times the amount they actually are. I have called several times and they refuse to get the tax information corrected. Please help us
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response