SELECT PORTFOLIO SERVICING, INC

2019-07-12

W Henrietta, NY

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-11

Blue Bell, PA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-11

Bull Valley, IL

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-11

East Rockaway, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-11

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: On XXXX XXXX at around4pm California time a Real Estate Agent or Auction.com Rep was parked in front of my home at XXXX XXXX XXXX, XXXX, Ca. stating my house was going to be sold on XXXX XXXX at auction sale. The Reps or Real Estate Agents stated that house is listed on XXXX as Foreclosure and For Sale and it's true, because I saw my house listed on XXXX. I spoke with SPS Lender and Rep stated that I was in " Assumption '' in having my name on the loan as I have substancial income evidence to comply with the new loan assumption and Loan Modification. I have sent all documents requested by SPS Lender and rep stated they have all documents requested to move forward with the Assumptions and Loan Modification. A Assumption on the loan has to be done according to SPS Lender of XXXX XXXX XXXX because my Mom XXXX XXXX XXXX XXXX with XXXX and I can take over the loan because I am on title on the house only. SPS Lender didn't want to add my wife on the loan because, they stated that she is not on title of the house. I don't have no Attorney to represent me, because I can not afford a Attorney, so I respectfully made contact with XXXX XXXX XXXX XXXX to assist me on myy issues. I have a family, with children, and, my Dad has a Lifetime Disability and Pre-Existing Medical Condition and we don't have no other shelter for my family, if we are foreclosed out of the house on XXXX XXXX. We will be Homeless and without shelter. My Dad XXXX XXXX is XXXX and Former-brother in Law XXXX XXXX XXXX is a XXXX XXXX XXXX XXXX Veteran and he is XXXX Lifetime and Retired. We respectfully like to have a Amicably a positive Assumption and Loan Modification so we be able to rest in Peace and without stress. We don't want to contact the National News and Local News medias on my issues, as my Mom XXXX XXXX loan is in Fraud, Scandals and Corruptions and that's why SPS Lender, the XXXX XXXX XXXX wants to expedite the Foreclosure and Sale of my Mom XXXX XXXX and my home on XXXX XXXX at 9:00 am in XXXX XXXX, California. This is a very Urgent and Extreme issues!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Bedford, TX

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: This excerpt is a followup fax/email to Select Portfolio Servicing Mortgage company : This letter is a follow-up to my initial identity theft notification dated XX/XX/2019, in which I have been instructed to do by governmental investigative law enforcement agencies and NGOs, e.g. ID Theft Center. This process is tedious and confusing at times but requires that I provide any and all pertinent information needed to conduct an investigation. That any and all creditors, credit bureaus, collection agencies, and financial institutions be provided information to protect their businesses and beware of this fraud case in preparation for prosecution of those responsible. The third step is to see if my accounts are eligible for any extensions, payment arrangements, the placement of collect suppression orders, deferment or any applicable hardship programs to give me time to catch up on payments and correct negative entries on my credit report. I have accomplished these steps as outline below : ***Federal Trade Commission Affidavit , # XXXX ***XXXX PD , Economic Crimes Unit , XXXX XXXX ***Consumer Financial Protection Bureau , XXXX XXXX This XX/XX/2019 notice is to determine the status of my account ( s ) with various creditors germane to hardship programs as part of this recovery process. As per instruction my XXXX XXXX XXXX ( XXXX ) checking account ( s ) from which all creditors are paid, to include XXXX cards and automatic payment setups have been canceled. My XXXX XXXX pension fund has been notified and steps are being taken to get me back on track. A process to improve my quality of life, restore my credit/name, refi my mortgage ( s ) and start my own business here in the great state of Texas w/o these credit/finance issues following me. Im disputing this activity and negative entries that de facto deny equity access to low interest ( % ) loans.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-11

Amherst, MA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-10

Gloucester City, NJ

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: S.P.S for 3 years I have been trying to get A Modification Approval In All of it on XX/XX/2019I Received Contract was informed to send all papers Back. One week later I was told to send first Morgage Payment with the Agreement I wired my first Morgage 15 days early one week later it was put back in my bank account then one week later they said they had found the mistake. They advised me to wire the money Again .One week later A Sheriff put a letter on my door that my house was in foreclosure. I have A XXXX year old Mother that I care for PLESE I NEED Someones Help
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Timely Response

2019-07-10

Foothill Ranch, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: SPS is in violation of RESPA and CA Home Owner Bill of Rights. CAHBOR requires lenders and servicers operating in CA to allow homeowners to avoid foreclosure via loss mitigation options including SHORT SALE. SPS is acting as a foreclosure mill and trying to force only foreclosure options which is ILLEGAL. CA HBOR requires lenders and services to help homeowners AVOID foreclosure. SPS is in violation of RESPA which REQUIRES lenders and servicers to work a foreclosure alternative program request and provide answer within 30 days. By SPS refusing to open a short sale request they are also in violation of RESPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Brooklyn, NY

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing has preventing me from refinancing my mortgage since XX/XX/2019. Theyve continued coming up with excuses and fees for why they arent able to assign the mortgage to the new lender.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-09

Red Springs, NC

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-09

Daytona Beach, FL

Closing on a mortgage

Mortgage: Conventional home mortgage

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

Untimely Response

2019-07-08

Kingstree, SC

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I, Mr. XXXX XXXX, in XX/XX/XXXX was a victim of Hurricane Florence, SPS XXXX # XXXX XX/XX/XXXX I was offered a forbearance plan because I live in an area that is located in a natural disaster area declared under FEMA. The letter went on to state there were no payments due for the months of XXXX, XXXX, XXXX, of XXXX then a balloon payment due in XX/XX/XXXX. I have continued to make my mortgage payments they are current and on time. The letters from SPS and XXXX state during the plan term, they will not proceed to foreclosure sale or commence foreclosure proceedings on the property during the forbearance term. Credit reporting - They will continue to report to the credit reporting agencies. The report will reflect that the consumer has been affected by a natural or declared disaster. - ( i was not worried that my credit would be affected negatively ) XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. They show {$0.00} monthly amount due on the letter. I have been disputing the information as they report to the credit agencies past due 30,60,90 day on my loan. ( I have completed the temporary forbearance ) I have spoke with the SPS and the credit reporting agencies about the late payments that are being reported and to no avail, they point fingers at the other. The SPS says they report we are affected by a natural disaster no payment due and the agencies state the SPS sends the information that a payment was not made, the agency only reports the information sent by the credit I have been trying to refinance my home to make necessary repairs and also to help prevent damage from the next storm. XX/XX/XXXX, I have been denied for a loan. Due to the payment history being reported by SPS. I sincerely appreciate your assistance with this matter. XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-08

Lawrenceville, GA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

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

Timely Response

2019-07-07

Tampa, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: PRIOR TO SPS XXXX SERVICED THE LOAN NOW THAT SPS IS THE SERVICER THEY WILL NOT ACKNOWLEDGE MY INCOME AND ARE BASING THE MODIFICATION PAYMENT BASED ON A HORRIBLE VALUATION OF MY HOME BY DOUBLE THE VALUE WHAT THEY DO IS DEFINITELY NOT SPS DO NOT CONTACT ANYONE TO DISCUSS THE MATTER THREATENING WITH FORECLOSURE
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-07

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I XXXX XXXX XXXX am writing a complaint on SPS because they called my homeowener insurance company XXXX XXXX on XXXX XXXX. SPS told my insurance company to send me a threatening letter about charging me doubling insurance because I refuse to do a short sale. SPS also told them to cancel my homeowners insurance policy because they wanted all the furniture and personal items in my house to be lost/stolen and would not replaced. Finally they told XXXX from XXXX XXXX/Investor to come by house to tell me to get out. Please verify with XXXX @ XXXX I have called the police on XXXX. If SPS sends XXXX and any other mortgage company I will send the authorities to SPS Inc. in XXXX XXXX XXXX UT. I want the foreclosure sale date stopped or I will file a lawsuit.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Gibsonton, FL

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: To Servicing Bank : SELECT PORFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX cc : Consumer Protection Bureau Ref. : Select Portfolio Servicing Acc # XXXX XXXX XXXX Loan MIN # XXXX Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX RELEASE ACCOUNT STATEMENT This is a " qualified written request '' under Section 6 of the Real Estate Settlement Procedures Act ( RESPA ). I am writing because : 1. STATUS OF LIMITATION OF THE ACCOUNT # XXXX. Disclose copy of Notice Default letter dated XX/XX/2007. Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) Select Portfolio as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-05

Winters, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

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

Timely Response

2019-07-04

Torrance, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Select Portfolio Servicing, Inc. received my mortgage check # XXXX in the amount of {$2400.00} for the XXXX mortgage payment. Instead of depositing my check, Select Portfolio Servicing , Inc. made an ACH withdrawal from my checking account on XX/XX/2019. I never authorized Select Portfolio Servicing, Inc. to make an ACH withdrawal from my checking account.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-07-03

Albuquerque, NM

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-02

IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-02

Kennesaw, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-02

Garland, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2019-07-02

Fort Mohave, AZ

Attempts to collect debt not owed

Debt collection: Mortgage debt

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

Timely Response

2019-07-01

Dallas, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response