SELECT PORTFOLIO SERVICING, INC

2015-12-23

Gulfport, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: Re : loan modification application with Select Portfolio Services inc/loan # XXXX and XXXX XXXX/XXXX fl XXXX.After four monthes we have not received a final decision on our modification loan apllication.We have a court date scheduled for XX/XX/XXXX.SPS continues to contact us for the same clarification/documentation info ..over and over again, pushing back the underwriting process .We are running out of time and options.It seems that they have no time table or agenda to get this done.We are desperate to stay in our house.It should also be mentioned that they did approve us for a loan modification XX/XX/XXXX/but communication was lost from the transfer of our loan from XXXX to SPS and we were.. not aware that the loan had been approved. we never rec, d the contract /nor did our attorney.Since we missed the trial period we had to re-apply .The process has been request after request for the same information over and over again.You never talk to the same rep twice. if you can help expedite this process we be very appreciative .We want to stay in our house ; but ca n't get them to come to a decision/thanks XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-22

Bedford, OH

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

2015-12-22

Atl, GA

Other

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-12-22

Jacksonville, 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: Yes Timely Response

2015-12-22

Lk Buena Vis, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to get a re-modification for 3 yrs now. The mortgage company continue to ask for the same documents over and over again for the re-modification which has prolonged this process now for about 7 more months. During this re-modification process I had a house fire XXXX/XXXX/XXXX and now the mortgage company SPS XXXX Select Portfolio Servicing Inc ) has a hold on the funds provided by the insurance company to pay for the repairs. All moneys had been sent to me, I endorsed the checks and forward them to SPS for repairs now they wo n't let the contractor draw the funds to do the repairs. I have a deadline for my temporary housing paid for by the insurance company of XXXX/XXXX/XXXX. Loan # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-22

Rncho Domingz, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. I have a valid and complete loan modification package that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-21

Wallington, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-21

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

2015-12-21

El Cerrito, 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: No Timely Response

2015-12-21

Dunnellon, FL

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

2015-12-21

Fontana, 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

2015-12-18

Lagrange, 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: Yes Timely Response

2015-12-18

Dardenne, MO

Loan servicing, payments, escrow account

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-12-17

Long Beach, CA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-12-17

Wilm, NC

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

2015-12-16

Box Canyon, 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

2015-12-16

E Yaphank, NY

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-12-16

Chestnut Rdg, NY

Application, originator, mortgage broker

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

2015-12-16

Nantucket, 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: Yes Timely Response

2015-12-16

Syringa, VA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I have numerous bank/mortgage accounts that I make payments to each and every month. Since my home loan ( servicing ) was/has been sold ... .I can not review ( online XXXX my payment history ... ... along with details about where/how my payment XXXX XXXX ) have been posted/brokendown. I have requested this numerous times ... .but to no avail ... ..below is how it looks on their website : " View Accounts Account Information Account Number Borrower Name Property Address Outstanding Balance * Account Details '' With NO DETAILS below this ... ... they want you/customers to submit ... .in writing to obtain a written statement ... ... I get those ... .but they are always incorrect ... .since their cutoff date ... is WAY before the final due date ... ..it 's very frustrating!!!! I can go to any other payments that I made/make at other institutions ... .and they information is RIGHT there in front of you ... ... this is the ONLY firm that does NOT provide this information ONLINE that I deal with ... ..and I deal with A LOT of banks!!! FYI ... .they keep referring me to an ... .. '' XXXX '' ... .. Please advise.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-12-15

Greenwood, 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

2015-12-15

MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: THIS IS AN OFFICIAL COMPLAINT THAT Select Portfolio Servicing Inc. Servicing- HAS CAUSED TO CANCELLED OUR PERSON HOME INSURANCE THAT IS NOT CONNECTED TO THE MORTGAGE. We receive from the Massachusetts XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX | ( XXXX ) XXXX That Select Portfolio Servicing, Inc. |Address ; XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX # XXXX |Alleging that Stating property SOLD AT FORECLOSURE AND has cancelled my husband and my personal home insurance that has nothing to do with our mortgage. Cancellation effective date XXXX/XXXX/2016 Mortgagee or Loss Payee '' Policy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, MA. There is no foreclosure on our property. Even if there was Select Portfolio Service has no legal right to cancel our private homeowner insurance. Please reinstate our personal homeowners Insurance a.s.a.p. I am reporting this as a violation to our personal privacy.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-15

La Tijera, CA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Received a letter dated XXXX/XXXX/2015 from Select Portfolio Servicing ( SPS ) stating they received and reviewed a request for loss mitigation assistance and that my account is ineligible for such assistance because a foreclosure sale is set to occur in the next 7 days. This is erroneous for several reasons. First, XXXX XXXX XXXX XXXX office ( XXXX XXXX XXXX is the contact ), has been exclusively communicating on my behalf with SPS since approximately XX/XX/XXXX 2015. Second, I nor XXXX Office has submitted a request for loss mitigation assistance to SPS on my behalf. Third, if in fact there was a loss mitigation request sent to SPS, it would have been received by SPS prior to 7 days before the XXXX XXXX scheduled foreclosure date. Last and most important is the fact that numerous correspondence has been sent to SPS over a long period of time attempting to resolve their assertion that they have the authority to service my loan, who owns my loan, that my loan is in default, the absence of missing payments, the delay in posting payments to my account, inaccurate interest rates charges, excessive extraneous charges, forced placed insurance and Up Front Fees ( UFFs ) charged numerous times for loan modification and forbearance requests that were erroneously denied for bogus reasons. Further, SPS refuses to respond to my specific questions regarding the validity of my home loan and their authority to service the loan as requested by a Qualified Written Statement ( QWR ) and in accordance with RESPA and Section XXXX ( f ) of the Truth-in-Lending Act, XXXX U.S.C. Section XXXX ( f ) ( XXXX ), which asked SPS provide me with the name, address, and Telephone number of the owner of the Promissory Note signed by me and secured by the deed of trust in my mortgage loan.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-12-14

Hialeah, 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

2015-12-14

Tewksbury, MA

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