SELECT PORTFOLIO SERVICING, INC

2016-04-22

Kendall, 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

2016-04-22

Spring Hill, FL

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

2016-04-22

Garland, TX

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

2016-04-22

IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I asked for a loan Modification which was finalized XX/XX/XXXX. My mortgage prior to modification was {$140000.00} plus {$60000.00} added to the back of the mortgage. This {$6000.00} was for taxes and insurance that XXXX XXXX had erroneously paid on my behalf. When the error was realized thy wanted to increase my mortgage from $ 906 monthly to $ XXXX+ then was told it was {$1800.00} +. I stopped paying as I could not afford this sharp increase. Servicing of my loan was transferred to Select Portfolio. A modificaton was done with a 2 % interest decrease. My home was appraised for {$45000.00} in XX/XX/XXXX and {$71000.00} XX/XX/XXXX. My mortgage now stands at {$210000.00}. Taxes and insurance are now included and payments mostly covers interest with less than {$100.00} going towards principal. At this rate I will never own this house. I need some relief like Principal reduction.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-21

Wayland, MI

Other

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2016-04-21

Jonesboro, GA

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

2016-04-21

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: No Timely Response

2016-04-21

Newnan, GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Good afternoon, my name is XXXX XXXX XXXX, I have lived in my property for over 10 years and have been having financial hardship due to loss of income. I recently submitted a request for a modification loan and have been told someone is reviewing my paperwork. I gave another call back this week and they stated that their attorneys are looking to foreclose on my home without evening completing my modification request. also my loan was transferred to this company and I was approved for a modification for XXXX they never honored my modification through XXXX XXXX before the took over the loan. They are the ones who made it impossible to keep up with my payments and they never called to tell me what the results were when i asked them to correct their mistake. i was already approved for a fixed loan for XXXX years through XXXX XXXX before the gave my loan to select portfolio can some one please help me stay in my home. I am back working now but still need my pymts adjusted like they were.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-21

Kawaihae, HI

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: SPS ( Select Portfolio Servicing ) sent me a letter making claims regarding my case. The XXXX claims that they made were erroneous. The letter appears to be a threat of impending eviction.
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

2016-04-21

Franklin Lks, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We received a response from Select Portfolio Servicing ( SPS ), dated XXXX XXXX, XXXX. This was a response to our complaint filed with the CFPB for Case Number - XXXX. SPS attached an incomplete " payment history history '' that did does not reflect the entity to which our mortgage payments, and mortgage payoff were forwarded to on our behalf. SPS claims that our payments, and payoff, were forwarded to XXXX XXXX XXXX XXXX, for certificate holders to XXXX XXXX XXXX XXXX XXXX, as trustee, on behalf of the holders of the XXXX XXXX XXXX XXXX XXXX XXXX Certificates Holders. However, XXXX XXXX XXXX XXXX has no record of our mortgage payments, or of payoff of any loan, owed by us, in their records, and for any certificate holders. SPS attached an incomplete Payment History Record that reflects a corporate advance of {$35.00}, XXXX - due or paid on - the date of XXXX XXXX, XXXX, and reflects a payment effective date of " XXXX/XXXX/XXXX. '' In addition, the incomplete SPS Payment History Record reflects continued fees owed by us, after our payment in full by refinance for check RECEIVED on XXXX XXXX, XXXX ( see attached XXXX XXXX XXXX XXXX -- and cancelled check - but NOT reflected on SPS incomplete Payment History RECORD - as paid by us. ). The payment history submitted to the CFPB shows fees owed by us, after our payment, which was supposed to be recorded as paid in full by us - as demonstrated by attached cancelled check in attachments, but was NOT reflected by SPS as paid by us, These fees, after our check should have reflected payment in full by us - but was not reflected as paid by us by SPS -- included the following after XXXX XXXX, XXXX - date of our check for payment in full to SPS, and included fees up until XXXX XXXX, for -- ( Codes included ) -- " 745 - restricted repayment, '' " 601 - Disbursement to Servicer, " " 631- property preservation disbursements, " " 170 - Pre-distributed interest, escrow, payment, '' " 173 - Custom Payment manual or max, '' 766- Misc. Repayment, " and most important - " 633- Misc . XXXX Disbursement. '' In addition, code 181 is not reflected on transaction code listing. However, a servicer advance - in the amount of {$35000.00} is reflected as " servicer advanced '' on XXXX XXXX, XXXX -- just prior to our refinance ( loan paid in full, on XXXX XXXX, XXXX. '' Internal Revenue Service documents for XXXX Mortgage Interest Statement reflect no delinquency, or default, at any time, and can be provided to the CFPB upon request. In the meantime, given SPS 's newly recorded assignment, and discharge, on behalf of XXXX XXXX XXXX Bank recorded in our County Registrar 's Office in XXXX XXXX, it is apparent that any Statute of Limitations for diverted monies, is no longer an issue. We request an accounting in full, to us, to the CFPB, to the IRS, and to our County Registrar 's Office, and request that the CFPB forward this request to these appropriate authorities, as authorized under law.. Thank You.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-20

San Francisco, CA

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: Yes Timely Response

2016-04-20

Kansas City, MO

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

2016-04-20

Spanish Spgs, NV

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: Yes Timely Response

2016-04-20

AR

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: to start with I was under a chapter XXXX in XXXX XXXX, I just made last payment and was fired from my job. I called XXXX XXXX XXXX and informed I was unable to make payment, they told me they has n't received the discharged letter yet. it took about 8 months for them to get letter. then we started paperwork for refinance numerous time paperwork was sent to them always with something not right or missing. this went on till about XXXX XXXX. I told them I had been identified as a XXXX veteran next thing I know, I 'm dealing with Select portfoilo. again same result told them I was trying to get a refinance. again same run around missing paperwork, information not right. here again I have got another notice of sale while I am again trying to do a refinance. the latest paper states, they want me to make 3 monthly payments of about XXXX and once this is accomplished they will try again if they have all paperwork, meanwhile I have received a letter of a foreclosure sale.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-20

Succasunna, 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

2016-04-20

Jupiter, FL

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-04-19

Yorba Linda, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: Yes Timely Response

2016-04-19

Alexandria, 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

2016-04-19

Milwaukee, WI

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

2016-04-19

Campton Hills, IL

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

2016-04-19

Brooksville, FL

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

2016-04-18

Hampton, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have been attempting a short sale on my property for about 6 months now. The BPO has come back higher than the relator has proved is market value for the house. We have had XXXX interior and exterior and XXXX exterior only BPO done. The XXXX was coincidentally the same amount that owed on the loan, the second that we requested was XXXX which was XXXX over the price that the condo next to me sold for. I asked that another BPO be done and they refused saying that they only do one every 90 days. How can a third party appraiser be able to make such claims when the real estate agent ca n't even find homes that compare?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-04-18

Hamburg, NY

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-04-18

Plattekill, NY

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

2016-04-18

Phoenix, 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