SELECT PORTFOLIO SERVICING, INC

2015-10-14

Rochester, WA

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

2015-10-14

Jacksonville, FL

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

2015-10-14

San Antonio, 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

2015-10-14

Las Vegas, NV

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

2015-10-14

Hiawassee, FL

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

2015-10-14

Rancho California, 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

2015-10-14

Fort Washington, MD

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

2015-10-14

Woodland Hills, 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

2015-10-14

Sebring, FL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We had have a mortgage for our home in Florida since XXXX. We were not able to make our payments and entered into foreclosure proceeding in Florida Court. We went through many attempts to modify the mortgage. In XXXX of XXXX we were offered a modification that we accepted. We made the payments required. In XXXX of XXXX the servicing company made a offer of a permanent modification that was NOT as offered under the proposed modification. We made it clear that we would not accept the permanent modification as offered. We sent them a letter to that effect. We also sent them a counter offer to their proposed permanent modification that more closely reflected the modification that was originally offered. They signed the counter offer and returned it to us. The foreclosure action was dismissed and the law firm that represented the mortgage investor/servicer sent us the modification via email along with sending it to us via XXXX Mail. Since the servicer has ignored the modification that we agreed to and is servicing the account as if we had signed the original modification as offered. They have acknowledged that the modification they are servicing under is not the modification the parties agreed to and signed saying we fraudulently and unilaterally altered the agreement, even thought they do not dispute that the agreement they signed and returned is the agreement we signed and sent to them. We did make changes to the agreement and sent it back to them, we told them we were going to, we told them we did XXXX Section XXXX paragraph H, attached modification agreement ) and they agreed to it in the modification as executed between the parties. Further they agree and acknowledge that the agreement that are servicing under is not he agreement they or we signed XXXX XXXX XXXX, XXXX letter attached ) and they are fraudulently and unilaterally servicing under an agreement we do not have and was never agreed to.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-14

Old Westfield, NY

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

2015-10-13

La Habra, 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

2015-10-13

Sterling, VA

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

2015-10-12

Westland, MI

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

2015-10-12

Rncho Domingz, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SPS, Select Portfolio Servicing , INC, a mortgage servicer, servicing loans in California is refusing to comply with HAMP modification guidelines. They have received a complete modification package on this file several times. They assure a response within 30 days. Thay have NEVER responded in writing as to a resolution to the file. They ask that we start all over because they did NOT review the file in a timely manner. I have submitted FOUR separate COMPLETE applications, and not once have they approved or denied in writing ....
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Bakersfield, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: To Whom It May Concern, I have been fighting to save my home for the past few years with must frurstration. Recently, after doing some research, I discovered some facts about my mortgage loan that was very disturbing. After further research, I decided to exercise my right to rescind my loan. On XXXX XXXX, 2015, I mailed Select Portfolio Servicing , Inc, herein SPS, a letter of rescission canceling my deed of trust and debt obligation. SPS received my letter of rescission on XXXX XXXX, 2015. Under the Federal Truth In Lending Act, herein TILA, the rescission is self-enforcing and it automatically extinguishes the lien and the liability. The statute and regulation specify that the security interest, promissory note or lien arising by operation of law on the the property becomes automatically void. I mailed the rescission to SPS because under TILA it states that delivering notification to the entity or address to which the consumer has been directed to send payments constitutes delivery to the creditor or assignees. Despite having received my letter of rescission, SPS has chosen to ignore, disregard, or deny my rescission request. I find this to be appalling because nothing in TILA gives them the right or authority to grant or deny my rescission. If SPS wanted to challenge my right to rescind, they should have filed a declaratory action against me before the mandatory statutory XXXX calendar window of opportunity expired. Not only did SPS choose not to challenge my rescission through the proper channels, they have not complied with the mandatory steps required upon receiving my letter of rescission. Since SPS or my actual " creditor '' has failed to take the mandatory steps under TILA, they have given up any defense regarding my letter of rescission and is in violation of TILA. Since the rescission process is or is suppose to be self-enforcing, failure to comply with TILA subjects SPS and my actual " creditor '' to liability for their non-compliance. Pursuant to TILA, there is no burden of proof for me to make the rescission effective, it is effective upon mailing. Furthermore, despite the fact that my deed of trust and debt obligation has now been canceled, rendered null and void by operation of law, SPS continues to attempt to foreclose on my property. I currently have a foreclosure sale date set for Monday, XXXX XXXX, 2015. I do not understand how SPS can ignore the law and attempt to proceed with a foreclosure on a deed of trust that no longer exists. Pursuant to TILA, upon the mailing of my letter of rescission and if no lawsuit against me was filed within 20 days to challenge the rescission, the creditor 's interest in my property was automatically negated regardless of its status and whether or not it was recorded or perfected. The security interest is void and of no legal effect irrespective of whether SPS or the creditor made any affirmative response to the note. SPS and the creditor should be held accountable for their actions or the lack thereof. Any and all foreclosure action against my property should be canceled immediately. I feel it is my duty to report their behavior and their blatant disregard for the law to whatever authority regulates them. Their behavior is unacceptable. Thank you, XXXX XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-09

Lk Buena Vis, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX . In XXXX, Florida, for over 15 years, with my Spouse, who passed away, and there began my struggle to keep my home with the reduced income, since I was only a part-time XXXX Instructor. At the time EMCserviced the Mortgage, and I had a difficult time trying to do a loan workout with them. Suddenly XXXX XXXX, took over and quickly sold the Mortgage to the current Servicer, SPS. I reached out to SPS and it took almost a year before I began receiving correspondence from SPS. I have submitted Loan Packages over and over, only to be told they never received any of them. Now I have an experience Third-Party who have managed to get a response from SPS, However, my dilemma worsen when my home caught on fire, and the Insurance Company moved me into a rented Apartment. This house was determined by the Fire Inspector, and the City Inspector to be inhabitable. The Adjuster, have determined that it will take {$100000.00} to restore the home to standard. They have sent the first Check in the amount of {$67000.00} as the first installment to get started. The Contractors are ready, but SPS IS HOLDING THE CHECK because they are not sure they want to rebuild it because I am in default. Meanwhile, the Insurance Company will only extend the time until XX/XX/XXXX. to remain in the rented Apartment. SPS, will not make a determination on the Request for a Loan Modification. I want to remain in my home, because of the memories and the incompetence of XXXX, and XXXX XXXX cavalier attitude, I am stuck with TIME RUNNING OUT, AND I WILL BE HOMELESS!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-09

Union City, 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

2015-10-09

Newport Beach, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Select Portfolio Servicing, as a 3rd party debt collector, is attempting to steal my home. i have defaulted the company for fraudulent documents and misdeeds, counterfeit documents, identity theft, slander of my title, false claims to IRS, and more. Today i find that they have caused to be recorded a Notice of Trustee sale on my private property. By their alleged records, they say the last payment made on my home was XX/XX/XXXX, which i have said is time barred from collection, regardless of the fact it is not owed. i have spent years gathering evidence, reaching out in attempts to settle this manner honorably and give the ability to XXXX and all entities involved with them in these actions, the ability to correct their damages against me. I have gone to the last degree of notice to them by filing a Notice of Default and have a lien against them for the damages. i have proven that the grant deed they are using is a forgery. Now, they are attempting to do a trustee sale on XX/XX/XXXX, on the trustee sale document it warns bidders they are bidding on a lien, not the property, but it is a trustee sale with my private property. i have open criminal claims and insurance claims against SPS and associates as well. The CFPB has made it very clear that attempting to collect a time barred obligation, foreclosing as a debt collector that has no standing, using the USPS, recording fraudulent documents is all criminal and i also have assignments proven void. DEBT COLLECTORS CAN NOT FORECLOSE! i have offered affidavits of fact, they have defaulted on answering any and on the TILA RESCISSION demand that was done many times. Filing a NOD on any debt they are attempting to collect that is past statute of limitations is also unlawful, though i do not owe them any funds, or any entity they are attempting to collect on behalf of. No power of attorney was recorded with any of their claims, they used multiple counties to record documents and also lied saying i rented out my home claiming i do not live there. They have caused documents to be filed by another Debt Collector, XXXX XXXXThis is serious and i must have assistance in stopping this grand theft of my home. here are codes that i have found : Penal Code 115 - felony ( knowingly procures or offers false document for recording or filling ) ; CA Penal Code 115.5 - felony ( recording false document affecting title ) ; XXXX Penal Code 115.5 - felony ( false sworn statement to notary ) ; XXXX Penal Code 118 - felony ( perjury ). XXXX Penal Code 132 - felony ( offering false evidence ) ; XXXX Penal Code 134 - felony ( preparing false document for deceitful purposes ) ; XXXX Penal Code 470 ( a ) - felony ( forgery - no authorization to sign ) ; XXXX Penal Code 470 ( c ) - felony ( forgery - falsified court evidence ) ; XXXX Penal Code 470 ( d ) - felony ( forgery - falsified acknowledgement ) ; XXXX Penal Code 471 - felony ( forgery - falsifying records ) ; XXXX Penal Code 471 - felony ( falsified acknowledgement ) ; XXXX Penal Code 475 - felony ( forgery - facilitating passage of forged instrument ) ; XXXX Penal Code XXXX ( a ) - felony ( fraudulent representation to defraud a person of money or real property ) ; XXXX Penal Code 1189 ( a ) ( 2 ) - felony ( notary false statement ) ; XXXX. Government Code 8225 - ( Notary coercion ) ; XXXX Government Code 406.009 ( 6 ) - ( Notary/Signatory fraud ) ; XXXX Penal Code 489 ( b ) - felony ( Grand Theft and grounds for ) i do not owe any obligation to XXXX or those they claim they represent, they are fraudulently attempting to decieve and sell my home through deceptive and unjust actions. . I DO NOT HAVE A LOAN OWED TO THESE ENTITIES! i did not contract and do not contract with any associated entity of XXXX or alleged affiliates. The choice of which process this relates to is not accurate to this complaint, it is not a mortgage as there is none, it is nothing owed or borrowed. There is no executed contract.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-08

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: My mortgage Acct # XXXX which was sold/transferred to SPS from XXXX was approved for a modification prior to the transfer. Throughout this transfer there has been a lot of confusion for me due to the timing of the transfer and the manner in which it was handled. I have been advised that the terms of the XXXX Remodification should have been honored by SPS, Select Portfolio Servicing, and that changing the terms is unethical and illegal. The mortgage terms in the documentation from SPS are nothing near what the terms I received from XXXX are. Please review the attached document from XXXX with the terms that I agreed to. I completed my trial period payments as agreed and I presume that the original terms are binding. I also understand that XXXX did not include the documentation for the remodification until I made it known to SPS and made a request that they be sent over. I will be advised by an attorney as to what my legal rights are in this matter. Please advise. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-10-08

Springfield, VA

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

2015-10-08

Salisbury, NC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-10-08

Glen Burnie, MD

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

2015-10-08

Finksburg, MD

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

2015-10-08

El Cajon, 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

2015-10-08

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: SPS Loan # XXXX XXXX XXXX XXXX, XXXX CA XXXXSPS has never offered the homeowner any alternatives to foreclosure, and is refusing to entertain the possibility of a short sale. There is an upcoming foreclosure date and we have submitted a short sale package with an offer. We are requesting the auction to be postponed and allow time for short sale review. 1 ) Valuation fraud XXXX all properties with SPS are mysteriously {$75.00} - $ XXXX higher valued than market value when a file is submitted. NO ONE hired by SPS has been in this property recently to review the homes value. 2 ) SPS violated that Home Owners Bill of Rights in California and likely violated the agreement that the Keep Your Homes California loan placed on the property. The home owner applied for and obtained federal money from the Keep Your Homes California program that was paid to bring this loan current. The initial default on the loan was due to her husband passing away. Once the money was received to bring the loan current, a further hardship was realized when she was laid off from her job. At no time has SPS attempted to reach out to her and attempt any type of workout. 3 ) As we have come accustomed to .... We expect that the CFPB will get the form letter canned response from SPS that we have seen over and over again. If the CFPB tracks SPS ' response they will notice that they are all exactly the same .... it is interesting that at no time did SPS comply with California 's Home Owners Bill of rights. I also find it very interesting that on ALL of our files with SPS we have had to file CFPB complaints to get them to work on them. We have been told by employees in your company that you are extremely understaffed ... which raises the question ... is SPS simply a foreclosure mill in violation of state and federal law ( as well as defrauding their investors -- which they are doing ). Only giving cash for keys instead of doing a work out is a great way to not have to hire employees to do work outs ... I will hand it to SPS, they believe that they have found a way to circumvent both State and Federal Mandates -- - I would request that the CFPB pull all servicing and correspondence records on this file ... We will be happy to submit address and loan numbers for all of our current and past SPS files to help build a case against SPS. I am sure that if the investors ... who by the way end up paying cash for keys offers to the home owners, would be appalled to know that SPS continually violates State and Federal Statues that may one day result in increased losses to them. I also find it odd that SPS is the ONLY lender that we are current having this issue with non-compliance with State and Federal laws.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response