SELECT PORTFOLIO SERVICING, INC

2016-03-14

Sylvania Township, OH

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

2016-03-14

Shreveport, LA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: This is my second time filing a complaint. I file a Chapter XXXX in XXXX 2010. In XXXX of 2010 I also had a loan modification. Any money that was due was worked in the loan modification. XXXX stated that I am two months behind when I filed the Chapter XXXX Which was true. I had just lost my job. At the time my payment was XXXX. So in my chapter XXXX they stating that I owe XXXX. Which I do n't owe that. So why in the chapter XXXX my loan was change to XXXX different company. Which is SPS. We have contract SPS a number of times to get a payment history. We just got the payment history a month before the discharge My lawyer are trying to get the case discharge but is not able to because SPS keeping putting off the case. Thius Chapter XXXX was suppose to be discharge in XX/XX/XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-13

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

2016-03-11

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

2016-03-11

Washington, DC

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

2016-03-11

Newport Beach, 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

2016-03-11

Zanesville, 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: No Timely Response

2016-03-11

Bethel Heights, AR

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

2016-03-11

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SPS has repeatedly failed to process my complete loan modification application ( s )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-11

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I received a document that disputes the owner of the debt I am alleged to owe.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-11

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Having to deal with this company is by far XXXX of the worst experience I have gone through. I have been trying for over a year to get a modification from this company that keeps giving me the run around. They have lied to me, lost my documents and keep misleading me. I am about to loose my home because of this company. They are not following procedures and something need to be done about this!!. There are over XXXX complains about this company on line, what is it going to take. I am also consulting my lawyer as I will be suing this company. Even an employee voiced their distress and dismay about feeling helpless and unable to help consumer even though he/she is aware of the mishandling, lies, harrassment and fraud going on in this business. There will be a Class action law suit for the pain suffering and lies I have and is still enduring from this company!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-03-10

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-03-10

Federal Way, WA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: For three weeks in XXXX of 2013, I tendered payment for the amount which met the party claiming to be the beneficiary 's demand to pay off the mortgage account and release the lien against my property. The payment was tendered in the form and amount which met the demand with the assistance of XXXX XXXX and Escrow in XXXX Washington. XXXX failed to credit the tendered payment to the account and in XXXX of 2013, informed me that they were transferring the servicing to Select Portfolio Services , Inc. ( SPS ). I immediately informed SPS of the situation and they failed to investigate the tendered payment. I informed them multiple times of the failed credit of payment in addition to other title issues and they failed to respond to my questions ( they did respond with information unrelated to my questions in bulk ). SPS has also submitted false declarations in order to advance a non-judicial foreclosure. SPS is advancing a non-judicial foreclosure on a non-existent, predatory promisory note made in favor of a company that did not exist at the time the note was made, and non-existing deed of trust which was unlawful in form in the state of Washington.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-10

Grover Beach, CA

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: I am a divorcee who had ( XXXX ) XX/XX/XXXX XXXX Predatory Lending loans. I have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. SPS ' response to my debt validation request was to say that XXXX as trustee for a securitized trust " owns '' the notes, but my loans are NOT in that trust. I have asked that they at least postpone the sale until they have provided information in response to my concerns. SPS, insists that the sale will occur on XXXX/XXXX/XXXX regardless of my claims. Their are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party, the Notice of Default, the recording of assignments would all be invalid. Legal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XX/XX/XXXX in response to a QWR, XXXX sent copies of these notes stamped " Certified Copy of Original Document '' which have no indorsements. There are also several serious servicing issues with XXXX and then SPS who was substituted in as servicer for XXXX. When the servicing was moved from XXXX I was in underwriting, at the very end of a modification for both properties. SPS refused to continue the modification that was in underwriting at XXXX. SPS has violated many servicing regulations, including Single Point of Contact, Dual Tracking, and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available, but SPS has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at XXXX, I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading both the borrower and the regulatory agencies, pretending to follow servicing guidelines and requirements, when they are actually trying to sell the property. SPS said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have " an offer in hand! '' This entire time, they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking, they said that technically they were n't because " they had never actually approved the program. '' This is commonly done. I know that I am one of many borrowers who have met with these same experiences. Please look into this situation and, if possible, pressure SPS to stop the sale until all issues have been addressed. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-03-09

Brickerville, 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

2016-03-09

Brooksville, 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: Yes Timely Response

2016-03-09

Katonah, 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

2016-03-09

Santa Ysabel, 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

2016-03-09

Jupiter, FL

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

2016-03-09

Doral, 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

2016-03-09

NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This was originally a XXXX Loan. Deutche started a foreclosure action and at some point XXXX tried to foreclose and was represented by XXXX XXXX Firm and now foreclosure is being aggressively pursued by Deutche Bank. There were notorious robo-signers ( XXXX XXXX ) and bank never had standing due to filing foreclosure action before they claimed to have owned the note.
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

2016-03-08

San Jose, CA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-03-08

San Francisco, 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

2016-03-08

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: No Timely Response

2016-03-08

Doral, 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