SELECT PORTFOLIO SERVICING, INC

2015-09-04

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I 'm confused. A cryptic notice was left at my door by XXXX ( see attachment ). There was no explanation as to who XXXX is, and even if there was, this is no way to get me to call them. If I did n't look up the phone number, I would n't even know it was related SPS. It appears they are XXXX XXXX XXXX XXXX XXXX that handles valuation and inspection products for SPS. SPS was advised I would be open to a cash for keys offer in lieu of filing a lawsuit for a XXXX/XXXX and other actions, yet there has been no response to that offer that was made in XXXX, with several follow ups in XXXX. It is now XXXX and all they have done is to send notices that they have forwarded the correspondence to the appropriate department. Instead, they just have someone leave a notice on my door with no explanation as to what it is regarding and without advising that XXXX would be contacting me on their behalf. If they really wanted me to call, you would think SPS would advise in advance ( and in writing ) what this is regarding. After dealing with the prior sub-servicer, XXXX, I am no longer willing to " speak '' with anyone. I 've already advised SPS that all communication would need to be in writing and that there would be no " verbal '' correspondence, so posting a notice for me to CALL, especially without any explanation, is unacceptable.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-09-04

West Covina, 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

2015-09-04

PA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: We filed for a home affordable modification with SPS -Select Portfolio Servicing and were approved we made our trial payments on time in the amount of {$1200.00} for all XXXX months they were due. Now XXXX comes and our XXXX payment after trial payments is due. According to our Modification paperwork we had no escrow shortage and the payment due was to be {$1200.00}. I called to make the XXXX payment today and I am told my payment amount due is {$1500.00}. So called back to question the payment and I was told that this was unusual, XXXX XXXX XXXX whom I spoke with stated that normally the XXXX payment is the payment agreed to in the modification and usually they do an escrow analysis about two months after the XXXX payment is due. It could possibly change how much I owe, but not til about XXXX or XXXX. He researched our documents and could not find any reason why our payment changed and also said there was no analysis done and that we received no paperwork to show any changes which according to RESPA I am to be made aware of in advance. Now I was told to make that payment of {$1500.00} or my modification would not be finalized. This is not what we signed a legal document stating and I want to get help to see if they are trying to scam me or get more money than owed. Can you please assist.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-03

Clermont, FL

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: No Timely Response

2015-09-03

Oxford, GA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-09-03

Boca Raton, 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

2015-09-03

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

2015-09-03

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

2015-09-03

Boca Raton, 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

2015-09-02

Ruskin, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

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

Disputed: No Timely Response

2015-09-02

Atlanta, GA

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: No Timely Response

2015-09-02

Alexandria, VA

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

2015-09-02

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

2015-09-02

Jacksonville, AL

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-09-02

Lithonia, GA

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

2015-09-02

Woburn, MA

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: Yes Timely Response

2015-09-02

Roxbury, NY

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-09-01

Sandy Hook, CT

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

2015-09-01

Land O' Lakes, 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

2015-09-01

Billerica, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Called SPS Portfolio Servicing to make my XXXX mortgage payment on a permanent loan modification and was transferred ( 6 ) times to different representative. Lastly XXXX XXXX, SPS Collections Manager tel : XXXX working hours XXXX -XXXX ( Monday through Thursday ) indicated that the instructions from SPS Attorney, XXXX XXXX was to refuse payment and transfer the call to her office. I have tried at least 6 times to make the payment over the phone. On hold now for 1 hour 45 minutes. I have asked to speak to upper management by XXXX XXXX indicated that he is the manager on duty and can not accept my payment per SPS Attorney, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-09-01

GA

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Please see attached document entitled XXXX Consumer Financial Protection Bureau Initial Complaint, and attachments. 1. The Lender and/or it representatives have made misrepresentations to me that were false and/or inaccurate, and I relied on those false and/or inaccurate statements to my profound detriment. Please see synopsis on page XXXX, and page XXXX letter B et seq. ) 2. The Lender effectively forced me to default on my mortgage in order for a partial release to be considered, at a time when my payments had never been a day late or a dollar short. ( Please see synopsis on page XXXX and page XXXX letter A et seq. ) 3. The Lender disallowed, IN ERROR, a partial release that would have ultimately satisfied the entire mortgage. ( Please see synopsis on page XXXX and page XXXX letter C et seq. ) Copy of deposit check for this offer attached. 4. The Lender has disallowed excellent offers that would have satisfied more than the principal balance owed at the time. ( Please see synopsis on page XXXX and page XXXX letter D et seq. ) Copy of offer attached. 5. The Lender has failed to even counter excellent ( cash, as-is, no contingency ) offers. ( Please see synopsis and page XXXX, letter F et seq. ) A copy of one such offer is attached, copy of deposit check for another, other offer evidence available ) 6. The Lender has made it difficult for me to defend myself in this case, After agreeing to a settlement ( deed in lieu ) which included, but was not limited to, my relocation, the Lender then failed to uphold the conditions of that agreement. Thus I was burdened with a move, and now have to come from out of state, request and be granted time off work, incur the travel costs- ( e.g. plane tickets, car, lodging, meals, pet care ) and difficulties of trying to work without an office/ printer etc. all to address a process which would have been resolved had they upheld the conditions of the deed in lieu. Furthermore, they locked me out of my home so I could not even stay in my own home while this process unfolds. They have further exacerbated the difficulties by telling me a motion was marked ready, and only after my informing them of my ticket purchase, time off work and plans to come up from Georgia did they notify that the motion would not be marked ready. 7. The Lenders failure to respond to and /or counter excellent offers directly resulted in several realtors refusing to re-list or show the property, ( letters attached ) making it far more difficult to sell. ( Please see synopsis and page XXXX letter XXXX et seq. ) 8. By locking me out of the property, which they assured me they would not do, they also prevented the property from being shown by the sole realtor I could get to show the property. ( Please see synopsis and page XXXX letter H et seq. ) 9. The Lender has allowed the property to deteriorate ( e.g. allowing pipes to freeze and rupture ) after agreeing to maintain it, while simultaneously locking me out of the property, ( and also telling my caretaker to remove his equipment from the property, then failing to replace him ). Because I relocated, in substantial compliance with the agreement of the deed in lieu, I am no longer there to mow/maintain the property, and its subsequent deterioration has made it yet more difficult to sell. Please see Synopsis, and page XXXX letters G, H et seq. ) The damage they allowed has rendered the primary residence uninhabitable. 10. The Lender has failed to respond to multiple requests that would have secured a full resolution of the mortgage debt. ( Please see synopsis, and page XXXX letter J et seq. ) In addition to- and /or more detail of- the above, I request consideration of the following synopsis and chronology. I have attached copies of deposit checks, offers from prospective buyers that The Lender refused, letters from The Lender and other supporting documents which are not included in this document, but are listed below as attachments
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-09-01

GA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Please see attached document entitled XXXX 2015 Consumer Financial Protection Bureau Initial Complaint, and attachments. 1. The Lender and/or it representatives have made misrepresentations to me that were false and/or inaccurate, and I relied on those false and/or inaccurate statements to my profound detriment. Please see synopsis on page XXXX, and page XXXX letter XXXX et seq. ) 2. The Lender effectively forced me to default on my mortgage in order for a partial release to be considered, at a time when my payments had never been a day late or a dollar short. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) 3. The Lender disallowed, IN ERROR, a partial release that would have ultimately satisfied the entire mortgage. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) Copy of deposit check for this offer attached. 4. The Lender has disallowed excellent offers that would have satisfied more than the principal balance owed at the time. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) Copy of offer attached. 5. The Lender has failed to even counter excellent ( cash, as-is, no contingency ) offers. ( Please see synopsis and page XXXX, letter XXXX et seq. ) A copy of XXXX such offer is attached, copy of deposit check for another, other offer evidence available ) 6. The Lender has made it difficult for me to defend myself in this case, After agreeing to a settlement ( deed in lieu ) which included, but was not limited to, my relocation, the Lender then failed to uphold the conditions of that agreement. Thus I was burdened with a move, and now have to come from out of state, request and be granted time off work, incur the travel costs- ( e.g. plane tickets, car, lodging, meals, pet care ) and difficulties of trying to work without an office/ printer etc. all to address a process which would have been resolved had they upheld the conditions of the deed in lieu. Furthermore, they locked me out of my home so I could not even stay in my own home while this process unfolds. They have further exacerbated the difficulties by telling me a motion was marked ready, and only after my informing them of my ticket purchase, time off work and plans to come up from XXXX did they notify that the motion would not be marked ready. 7. The Lenders failure to respond to and /or counter excellent offers directly resulted in several realtors refusing to re-list or show the property, ( letters attached ) making it far more difficult to sell. ( Please see synopsis and page XXXX letter XXXX et seq. ) 8. By locking me out of the property, which they assured me they would not do, they also prevented the property from being shown by the sole realtor I could get to show the property. ( Please see synopsis and page XXXX letter H et seq. ) 9. The Lender has allowed the property to deteriorate ( e.g. allowing pipes to freeze and rupture ) after agreeing to maintain it, while simultaneously locking me out of the property, ( and also telling my caretaker to remove his equipment from the property, then failing to replace him ). Because I relocated, in substantial compliance with the agreement of the deed in lieu, I am no longer there to mow/maintain the property, and its subsequent deterioration has made it yet more difficult to sell. Please see Synopsis, and page XXXX letters XXXX et seq. ) The damage they allowed has rendered the primary residence uninhabitable. 10. The Lender has failed to respond to multiple requests that would have secured a full resolution of the mortgage debt. ( Please see synopsis, and page XXXX letter XXXX et seq. ) In addition to- and /or more detail of- the above, I request consideration of the following synopsis and chronology. I have attached copies of deposit checks, offers from prospective buyers that The Lender refused, letters from The Lender and other supporting documents which are not included in this document, but are listed below as attachments.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-08-31

Clinton, 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

2015-08-31

Kendall, 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

2015-08-31

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: Yes Timely Response