SELECT PORTFOLIO SERVICING, INC

2015-08-31

Buford, GA

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

2015-08-31

Apple Valley, 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: Yes Timely Response

2015-08-31

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

2015-08-31

Oxford, GA

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

2015-08-31

Boise, ID

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-08-29

PA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: I have been having problems and disputes with XXXX XXXX and Select Portfolio Servicing , Inc ( SPS ) since 2011. I have just written a long letter to SPS that thoroughly explains some of what I have been through in the past XXXX years. I accepted the XXXX modification in 2011 because I felt I had no choice. XXXX dragging out the modification process for XXXX months has no reasonable explanation. The modified amount of {$550000.00} was quite high. There are many details contained in the XXXX page letter that will give you a very good picture of what I have gone through.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-08-28

Ironbound, NJ

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

2015-08-28

Ft Belvoir, VA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-28

Upland, 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

2015-08-28

Marysville, WA

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-28

San Antonio, TX

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

2015-08-27

Upland, 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 non-monetary relief

Disputed: No Timely Response

2015-08-27

Canfield, 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

2015-08-27

Palos Park, IL

Other

Mortgage: Other mortgage

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

Disputed: No Timely Response

2015-08-27

Ladera Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-08-27

Paterson, NJ

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

2015-08-27

Memphis, TN

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XX/XX/2015, I submitted paperwork for a short sale offer on my home, this would be my XXXX time submitting an offer due to the XXXX XXXX offers being declined because the amount offered was not sufficient according to the mortgage comapny, and due to the mortgage company taking unril XX/XX/2015 to approve the short sale offer of XXXX, the buyer backed out of the deal. So on XX/XX/2015, I contacted the company and advised them to close the sale out and also advised them that my agent and I had found another buyer who agreed to the same terms, and everything on the HUD documentation and the proof of purchase and my agent sent it to the mortgage comapny on XXXX XXXX. I contacted the mortgage company on XXXX, XXXX and the old short sale offer is still not closed and now they have had my new paperwork for the new buyer since XXXX XXXX, and it has not even been looked at or reviewed. My home has been appraised XXXX times and its solely because they take so long with the process that it causes them to expire. And for the appraisal to expire it takes 90 days. Someone at the company is dropping the ball and may be costing me a chance to get out of this home and close this deal. I was advised that it only takes XXXX business days to close out an old short sale offer by an agent. So why has my XXXX short sale offer not been closed? If they had done that, then on XXXX XXXX, my appraisal would not be expiring, but now it is. I really think I am being mistreated because of my inability to pay.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-27

Sunnyvale, 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

2015-08-27

Quartzsite, AZ

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I had a mortgage with XXXX XXXX/Select Portfolio Servicing and never did receive a proper loan modification. I suffered a XXXX XXXX among other things in XXXX. It forced me to get behind on my payments. XXXX XXXX filed suit foreclosure on me in XXXX. I was making payments up until XXXX. The home has always been in my name. My daughter lived with me and paid rent and utilities ( documented ) because I was older and than she had some problems of being XXXX becoming a victim of XXXX forced her to move out for safety reasons. I felt behind and became sicker. XXXX XXXX along with Select Portfolio and their attorneys XXXX XXXX XXXX sued me and what they did is highly illegal. I started receiving court papers. They named my daughter as a co-borrower and my daughter was NEVER listed on the mortgage as it is clearly stipulated. They added her name in court lawsuit and the lawyers back dated a Mortgage Summons to XXXX and the case was not filed until XXXX. I was paying my mortgage but felt extremely behind because of severe illness and XXXX on my daughter. XXXX XXXX, Select Portfolio Servicing and XXXX and XXXX started sending my daughter lawsuit threats adding her to a foreclosure that she had nothing to do with. I recently called Select Portfolio Servicing and their Sr Rep told me that my daughter was no where on the mortgage or as a borrower of any sort, so XXXX XXXX, Select Portfolio Servicing and XXXX XXXX XXXX lied! They forged my daughter 's initials on papers and committed fraud and deception on my daughter and me by backdating court documents that are untrue. They purposely omitted the fact that my daughter only paid rent and they omitted all rent receipts. We have recently relocated due to health reasons and safety reasons but a family member is at the house until sold. I am working with XXXX for a Short Sale and when I have tried to talk to Select Portfolio Servicing because XXXX wo n't talk to me, they do n't want to hear about a Short Sale. They have my house scheduled for aution on XXXX XXXX, XXXX. I have filed in court Appearance and Answer to Complaint on Foreclosure Mortgage and indicated my daughter 's name is illegally on these court papers and she is not the borrower and that I am trying to do the best I can in selling this house in a Short Sale. Please help me because they are commiting fraud, deception, forging my daughter 's initials/signatures back dating documents, to XXXX and XXXX illegally and ignoring any communication I try to do. I want to press charges as my rights and my daughter 's rights under the FDCPA and FCRA are clearly violated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-08-27

N Milford, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: XXXX years ago I began to suffer financially due to a downturn in XXXX. I contacted my mortgage servicer, SPS, and requested that they modify my mortgage so I could keep up with the payments. They made me fill out paperwork and told me they would review for loss mitigation options. They came back stating that all I qualified for was a repayment plan because that is all the owner of my mortgage would allow. The owner of my mortgage has since gone out of business and the rules to loss mitigation have now been moved into the master servicing agreement held by XXXX XXXX. Their master servicing agreement allows for modifications. I have been calling SPS frequently and each time I call I get a different answer as to whether I can get a modification or not. Each loss mitigation representative i speak to says i qualify then they come back and say I do n't. Some dont know they answer and some are completely unable to speak about what the servicing agreement allows. My interest rate is 6.99 % and they could have helped me when this all started. Now my loan is close to foreclosure and I Need a modification to stay in my home. I have asked my son to come live with me in order to help with the bills and he has agreed so I can afford a modified payment but SPS refuses to help. All I am asking is that they adhere to the terms allowable in the master servicing agreement and modify my loan to an affordable monthly payment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-08-27

Arco, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: As of this date, I have not received a reply to my complaint dated XX/XX/XXXX I did, however, receive a letter dated XX/XX/XXXX XXXX Required Information Notice XXXX. I am very concerned because the letter " acknowledges receipt of the Assistance Review Application, but has determined it is incomplete '' but I NEVER completed or submitted an Assistance Review Application. Can you please assistance me in obtaining a copy of the Assistance Review Application reportedly submitted? Also, SPS has yet to respond to the Notice of Errors dated XXXX XXXX. Clearly, it is not in my best interest to negotiate any loss mitigation options without an accurate accounting of : a. what I paidb. when I paidc. an explanation of questionable chargesd. an explanation of illegal upfront feese. an accurate account of the loan balancef. who actually owns the loanMost important, SPS has refused to respond for the request that they honor the previous modification I entered into with XXXX XXXX XXXX in XX/XX/XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-08-26

Kendall, 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

2015-08-26

Catano, PR

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

2015-08-26

Riverdale, MD

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

2015-08-26

Kenner, LA

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