SELECT PORTFOLIO SERVICING, INC

2016-08-16

Briones, 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

2016-08-16

Hidden Valley, NV

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

2016-08-16

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XXXX/XXXX/2008 XXXX XXXX XXXX paid {$350000.00} on my account, XXXX. All that was remaining due on the account was some accrued interest in the sum of {$1700.00}, but it was enough to bring the account current, reinstate the mortgage, and the balance should have been adjusted. Instead, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX, filed a foreclosure action, case number XXXX. It was dismissed for want of prosecution. XXXX attached. Then, ignoring payment was made AGAIN, U.S. BANK XXXX, AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit XXXX. Again, U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX XXXX XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX filed suit. After we filed our answer and affirmative defenses, showing it was paid as stated above, they dismissed the case voluntarily. See the attached. If that were not bad enough, then U.S. BANK N.A., AS TRUSTEE, ON BEHALF OF THE HOLDERS OF THE XXXX XXXX MORTGAGE XXXX XXXX XXXX ASSET BACKED PASS-THROUGH CERTIFICATES, XXXX XXXX sued US AGAIN, claiming the amount that was paid as shown above, was STILL DUE, violating the federal and state fair debt collection practices act, malicious prosecution, abuse of process, and fraud, mail fraud, wire fraud, and civil conspiracy. This time, the bank got a foreclosure judgment BECAUSE I COULD NOT AFFORD AN ATTORNEY AND HAD TO REPRESENT MYSELF. I did not know what I was doing. XXXX lied about getting the money and did not tell the court they got paid. XXXX lied about having received the money and filed an affidavit claiming it was still due. The XXXX believed XXXX and granted a judgment. See attached. I requested an affidavit from customer service showing the payment was received, but XXXX is now claiming they do not have any information. They are concealing the receipt of the money. See the attached affidavit from the XXXX employees. I want the bank investigated, and either require them to return the money I paid, or vacate the foreclosure judgment, and give me a release of the mortgage, AS THEY HAVE BEEN PAID AS YOU CAN SEE FROM THE ATTACHED. If I had stolen money from a bank, I would be in JAIL. They stole {$350000.00} AND they are STEALING MY HOME. I was just served with eviction notice after the fraudulent foreclosure judgment. I NEED URGENT HELP. PLEASE HELP ME.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-08-16

Phoenix, AZ

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

2016-08-16

IA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am so discouraged. I am a licensed mortgage lender. When I tell a client that they will get their mortgage refund in 2-3 weeks, they get their escrow refund. We on the other hand paid off our mortgage XXXX XXXX, 2016 and still XXXX XXXX, 2016 are still being told the check is in the mail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-16

Jamaica, NY

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

2016-08-15

Coral Springs, 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

2016-08-15

Warren, OH

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

2016-08-15

Potomac Falls, VA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-08-15

Atlanta, GA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX, XXXX XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX ; This is XXXX XXXX 's SECOND response to following SPS compliant responses : I suspect that I would not be in default of my mortgage today if XXXX XXXX XXXX had execute a market principal reduction in engineering my XXXX modification. I need a review of what maximum principal reduction that have been in XX/XX/XXXX. I received no principal reduction in XX/XX/XXXX. Why did n't I receive a principal reduction in XX/XX/XXXX when the house was on the market and would not sale? Why have a had to pay a mortgage based on an above market value for 8 years? We should have sold the house short in XX/XX/XXXX for {$650000.00} or modified the house for XX/XX/XXXX. SPS appears to lack the capacity of willingness to remedy this situation. I was defrauded by XXXX at the origination and manipulated into an uneconomic modification by XXXX XXXX XXXX. The original Mortgage would not have been underwritten if the fact that the taxes were higher than the P & I. This was also compounded by including XXXX-XXXX mortgages. I have resolved the XXXX-XXXX mortgages. XXXX from XXXX and XXXX from XXXX. I was living in XXXX XXXX at the time. The XX/XX/XXXX modification by XXXX XXXX XXXX did not offer a market principal reduction And once again did not disclose the uneconomic engineering of the mortgage. That is that the P & I was lower than taxes. Please review the attached proposal from SPS HAMP competition. Recommendations : I receive my original down payment of {$200000.00} plus interest. I receive {$200000.00} second mortgages payoffs. Plus interest. Sincerely, XXXX XXXX, XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-15

Hamilton, NJ

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-08-15

Cordova, TN

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Select Port Folio is my mortgage company, I have submitted financials and request for mortgage modification several time over the past few years. SPS has n't assisted me with my modification request. I 've spoken with Client services several times. I 'm informed I 've been mailed correspondence regarding the modification and I have n't received any correspondence. I do receive the property foreclosure sale notices. Please assist me with obtaining obtaining a mortgage modification. Received foreclosure letters from attorney Per the statue Tennessee code annotated homeowner is suppose to receive proper notice 30 days prior to foreclosure. prior to foreclosure sale date.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-15

Hidden Valley, 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: No Timely Response

2016-08-15

Atlanta, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: This is a Claim of XXXX violations pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations, 15 U.S. Code 1692f - Unfair Practices, and O.C.G.A. XXXX GA statute of limitation. 1. XXXX XXXX, XXXX, the foreclosing attorney hereafter referred to as ( XXXX . ) and Select Portfolio Servicing Inc. hereafter ( SPS Inc. ) is threatening to seize, attach, or sale our property in a unlawful non-judicial foreclosure sale scheduled for XXXX XXXX, XXXX if a loan modification, short sale or surrender of our property is not agree too by us. The unlawful seizure of our property is now imminent. See EXHIBIT-L, SPS Inc. and XXXX. ( sale under power notice ). 2 SPS Inc. and XXXX. failed to record the XXXX assignment made by XXXX to SPS Inc. in the office of the clerk of the superior court of XXXX County GA where the land referred to in the purported instrument is located. 3. Instead of recording the assignment pursuant to XXXX XXXX as required by law, SPS Inc. and XXXX. chose to violate the law by avoiding recording of the assignment to the new lender in County records. 4. The new lender is none other than " SPS Inc. '' according to XXXX 's statement of fact. See EXHIBIT XXXX at XXXX where is says " Account transferred to another lender ''. 5. Since there is a new lender then SPS Inc. and XXXX. is required by law to foreclose in the ( new ) lenders name, not the previous lender 's name. If they proceed with the foreclose they are committing a felony and violating state and federal law. See Exhibit XXXX ( new lender ), then see EXHIBITXXXX ( Sale under Power ) and EXHIBIT XXXX. Note that the previous lender, not the new lender is listed as the foreclosing party - THAT IS AN UNLAWFUL ACT. 6. There is no present right to possession of the property claimed as collateral for the following reasons : 7. This is a case where SPS Inc. bought collection rights to an account that both SPS Inc. and XXXX knew or should have known were charged-off and closed on or before XXXX XXXX, XXXX. 8. Both SPS Inc. and XXXX knew or should have known that the account was charge-off/closed 3 years before it was sold. 9. Both SPS Inc. and XXXX. have personal knowledge that the loan they are attempting to foreclosure on is dead because the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX. 10. See evidence of account charge-off at EXHIBIT XXXX at XXXX, and XXXX at XXXX 11. See evidence that the account was closed and charged off as of XXXX XXXX At EXHIBIT XXXX & XXXX. 12 See EXHIBIT XXXX ( account closed ), then see EXHIBIT XXXX where the account was fraudulently modified in XXXX XXXX to make it appear that the sale of account # XXXX happened before it was charged-off and closed. 13. As to any unsecured debt please be advised that the account is now time barred under XXXX XXXX Georgia statute of limitation. See relevant date at EXHIBIT XXXX, XXXX. The statute lapsed on XXXX XXXX. 14 AND, even if there were ever a secured interest in our property, foreclosure would be time barred as to any written contracts. 15 According to XXXX the property was harmed, and the contract or agreement was violated ( breached ) XXXX XXXX ; the account was accelerated XXXX XXXX which started the statute of limitation to run ; XXXX initiated foreclosure in XXXX XXXX. The Statute lapsed on XXXX XXXX. See EXHIBIT XXXX then see EXHIBIT XXXX thru Exp XXXX, XXXX collection rights was sold to XXXX XXXX in XXXX, years after the loan had been charge-off and CLOSED in XXXX, see EXHIBIT XXXX. 17. When a original subprime predatory loan is charged off and closed, the loan and note no longer exist ( according to UCC requirements ). All that remained is collection rights to possible default debt. AND, those rights c
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-08-13

Ocoee, FL

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2016-08-13

Itasca, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have received a response from SPS they have asked again for updated BPO Hud-1 settlement with buyers name ( XXXX ) bank statements tax return 2015 need second BPO Value, Description, Condition, color Photos, and a minimum of XXXX comparable. they had and have all these document 's, what I need is for SPS to read all the above and all the many more document 's that they have asked for complete the review, for the lasts 8 months. does is make any sense for me to keep making complaints, to a company to complete my short sale if I were not sending what was ask for to complete it. and why would I not what them to complete it, why would the realtor not provide all the document 's to complete, the purchase for her buyer for over 8 months, should make you wonder what SPS has been doing with all the document 's, if these short sale review was only just started I can see the request for additional document 's still being asked for over 8 months??? again I feel SPS I not capable of doing a Short sale by any government standard, and are internality, keeping my property from completing the short sale, CFPB needs to do more then process complaints which is more then SPS can do. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-12

Atlanta, GA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: This is a Claim of continuous XXXX violations pursuant to FDCPA 15 U.S. Code 1692e - False or misleading representations, XXXX Unfair Practices, violations of XXXX Georgia statute of limitation and XXXX Section XXXX fraudulently naming a fictitious secured creditor to facilitate a unlawful non-judicial foreclosure : These violations require urgent attention by the CFPB Administrative Tribunal in that the continuous nature of the deceptive acts are in defiance of state and federal laws and regulations and is causing severe harm to us. 1. I incorporate by reference Complaint # XXXX as if stated verbatim herein, and ask this Administrative Tribunal to take Judicial Notice of the evidentiary Exhibits cited in paragraph XXXX of the referenced complaint. Whereas, SPS Inc. in its response to the Complaint cited above failed to deny, dispute or even mention the Exhibits proffered as proof that the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, long before it was sold to SPS Inc. in XXXX. See XXXX ( charge-off ) then see XXXX ( account closed ), then see XXXX ( date relevant to when account was sold ). 2. SPS Inc. filed an electronic response with this agency on XXXX XXXX, XXXX, and also response to me by way of U. S. mail on XXXX XXXX, XXXX. The response included XXXX ( + - ) pages of loan account documents that are void by operation of law, thus irrelevant, immaterial and unenforceable, and can not be the bases for a non-judicial foreclosure. 3. the documents SPS Inc. sent in response to case # XXXX are void because the account was charged-off and closed by XXXX on or before XXXX XXXX, XXXX, as evidenced by the exhibits cited in paragraph XXXX of Compliant # XXXX. 4. SPS Inc. written response sent to me by way U.S. mail on XXXX XXXX, XXXX is meant to, and does exclude the CFPB from examining the Notice of Sale Under Power. Select Portfolio Servicing Inc. and XXXX XXXX, XXXX are using void, documents and instruments yet again, to make the representation and implication that seizure, attachment, or sale of our property in a non-judicial foreclosure sale is imminent unless a loan modification or short sale is agree too by us - although no security interest in our property exist. The unlawful foreclosure sale is scheduled for XXXX XXXX, XXXX. See EXHIBIT-L, SPS Inc. ( sales under power notice ). 5. In case # XXXX I made a demand to SPS Inc. to cease and desist which was ignored, as well as the allegations made in the complaint. None of the questions raised was addressed ( not answer ), and SPS Inc. and XXXX XXXX XXXX. has, as of XXXX XXXX, XXXX failed to cancel the pending unlawful non-judicial foreclosure sale and send notice that the sale schedule for XXXX XXXX, XXXX is canceled. 6. I am Requesting the CFPB Administrative tribunal to issue a order enjoin Select Portfolio Servicing Inc., hereafter ( SPS Inc. ) and XXXX XXXX XXXX from any further foreclosure action since the account has been charged-off, closed and now time barred.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-12

Buffalo Lake, NC

Settlement process and costs

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-08-12

Colo Spgs, CO

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We received a purchase contract on XXXX XXXX, 2015. SPS is the XXXX lienholder and for over a year we can not get a short sale approval. The XXXX Lienholder will not issue a short sale approval until the XXXX lienholder releases their short sale approval. I filed a complaint with the Ombudsman Department at SPS and I called in today to make sure they have received my complaint and a Rep. in the Ombudsman Department named XXXX told me that they will never issue a short sale approval until the XXXX Lienholder sends out their approval XXXX. I have both lienholders telling me that neither one will ever issue an approval until the other one does first. The XXXX Lienholder is a Conventional Private Investor. The Buyer has been hanging on for over a year and the seller has cooperated and provided everything needed for the file. I will be reaching out to our Liaison with our local Sentor 's office as well. Please help!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-12

Hercules, 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

2016-08-11

Santa Barbara, 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

2016-08-11

Springfield, VA

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

2016-08-11

Colo Spgs, CO

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

2016-08-11

Keene, NH

Application, originator, mortgage broker

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

2016-08-11

Grover Beach, 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