SELECT PORTFOLIO SERVICING, INC

2016-07-20

Carver, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-20

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: PART XXXX ( FOR PART XXXX See CFPB COMPLAINT PART XXXX ) This is a follow up complaint to Case number : XXXX which was filed on XXXX XXXX, XXXX and currently has a STATUS of " Response Disputed '' and not " Review Completed. '' This complaint is in response to the XXXX XXXX, XXXX CFPB Release Special Edition of Supervision Highlights and Updates Mortgage Servicing Exam Procedures. SPS needs to respond in Declaration form under penalty of perjury such that the information is true and correct to the best of their knowledge. ( XXXX XXXX ). The attached documents appear to relate to the technology and process breakdowns identified in this release from the CFPB. The attached documents also relate to the deceptive letters the CFPB references. SPS has changed the e-mail address for the Required Information Notices from XXXXXXXXXXXX to XXXXXXXXXXXX. This is an obvious attempt to foreclose on my home without my application ever being underwritten for all loss mitigation options/foreclosure prevention alternatives. This subtle change could be easily overlooked which was likely the intention at which time SPS could contend that the information was not received. SPSXXXX will never stop until they find a way to foreclose on my home. Should this happen it will be because the CFPB allowed it. Select Portfolio Servicing is violating Consumer Rights laws by falsely advertising the Making Home Affordable Act and other forms of mortgage assistance SPS offers. SPS is using an affiliate company to act in the capacity of a Debt Collector and refuses to acknowledge this by responding with deceptive letters XXXX and Required Information Notices which violate the Fair Debt Collection Practices Act ( FDCPA ). I am harassed with up to XXXX notices per month before the previous ones are even due and have informed my relationship manager of this problem XXXX XXXX XXXX XXXX. The notices require the same information that has been provided numerous times, removed from the list, and then added back on. SPS refuses to accept the Profit and Loss Statement, Letter of Explanation, and letter regarding my XXXX dues. XXXX XXXX XXXX, XXXX, XXXX Monthly Dues Dispute.pdf ). SPS is attempting to coerce me into making changes that I am unable to do by requiring me to call them when I have a cease and desist order that restricts SPS from calling me XXXX I have repeatedly provided the required information but SPS refuses to accept it no matter what I do because they are simply acting as a debt collector. XXXX XXXX previously coerced me into making such changes by placing me in foreclosure so that I was forced to speak with XXXX over the phone. In XXXX of XXXX. XXXX refused to allow my application into underwriting unless I changed the information on the application to conform to a loan modification. Although the CA Monitor provided me with a Consumer Rights Attorney because XXXX XXXX XXXX ) XXXX was violating the National Mortgage Settlement Consent Judgment and depriving me of my CA Homeowner Bill of Rights while foreclosing on my home ( fraud/oppression/malice ), XXXX XXXX still remains in control of my loan/application for mortgage assistance and continues to violate the same laws after she committed fraud to cover this up. In fact after XXXX transferred the servicing to SPS, she did the very same thing again in XXXX of XXXX until, finally in XXXX, Sr. Legal Specialist XXXX XXXX allowed my application into underwriting without any changes which proves SPS was depriving me of my CA Homeowner Bill of Rights.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-19

Pasadena, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

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

Disputed: Yes Timely Response

2016-07-19

Mcminnville, OR

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

2016-07-19

Anaheim, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My mortgage servicer has denied me access to mortgage payment history for the period XX/XX/XXXX to XX/XX/XXXX. During this time period the servicer changed from XXXX XXXX XXXX To Select Portfolio Servicing. Select Portfolio Servicing ( SPS ) after receiving the loan this company moved immediately to foreclosure. This action was against the California Homeowner Bill of rights that went into effect on XX/XX/XXXX. I would like a resolution that includes the servicer 1. Allowing me the opportunity to apply for a loan modification. 2. Supply me with the complete payment history from XX/XX/XXXX to XX/XX/XXXX when the alleged delinquency took place.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-19

Carver, MA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: There seems to be a mistake. I submitted a Qualified Written RESPA Request and Select Portfolio Servicing told me to go fly a kite. 12 USC 2605 clearly states that within 30 days the financial institution owes me a substantive response. Select Portfolio Servicing has NOT provided me with any response other than the tell me to XXXX. there is a missing security which will be reported to the FBI. The Qualified Written RESPA Request was sent Certified Mail XXXX on XXXX/XXXX/2016. The default provisions are now in effect.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-19

Allentown, 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

2016-07-15

Hilshire Village, TX

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-07-15

Bloomington, UT

Other

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

2016-07-15

Dix Hills, NY

Other

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2016-07-15

Addicks Barker, 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

2016-07-15

Beverly Hills, CA

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-14

Bronx, NY

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: Yes Timely Response

2016-07-14

Aptos, 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

2016-07-14

Tracy, 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

2016-07-14

Brooklyn, 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

2016-07-14

Canoga Park, CA

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

2016-07-14

Marlboro, MD

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

2016-07-14

Addicks Barker, 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

2016-07-14

Newton, MA

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

2016-07-13

Gilbert, AZ

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

2016-07-13

Newark, NJ

Loan servicing, payments, escrow account

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

2016-07-13

Bridgeport, CT

Communication tactics

Debt collection: Mortgage

Called after sent written cease of comm
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-12

Del Sur, 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

2016-07-12

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