SELECT PORTFOLIO SERVICING, INC

2015-04-09

Atlanta, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-08

Kingstree, SC

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

2015-04-08

Campton Hills, IL

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

2015-04-08

West Newfield, ME

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-04-08

Brentwood, PA

Application, originator, mortgage broker

Mortgage: Other mortgage

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

Disputed: Yes Timely Response

2015-04-08

Bellerose Manor, 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

2015-04-08

Las Vegas, NV

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

2015-04-08

Ft Belvoir, VA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Please see attached full history. VIOLATIONS - SERVICER FAILURES AND FRAUDSXXXX. Failure to properly respond to RESPA QWR letters including timely, and fully including a failure to provide ARM adjustment history, and investors information, securitization information and contracts, and directives relied upon for denial of loan modification. REAL ESTATE SETTLEMENT PROCEDURES ACT ( " RESPA '' ) 12 U.S.C. 2605 See Exhibits 1-52. Stating false and conflicting ownership claims. TRUTH IN LENDING ACT ( " TILA '' ) 15 U.S.C. 1641 ( f ) ( XXXX ). See Exhibits XXXX - Owner XXXX XXXX, Exhibit XXXX - XXXX XXXX Bank XXXX. as trustee for XXXX Mortgage XXXX XXXX XXXX, Exhibit XXXX XXXX XXXX states the loan is owned by XXXX Owned by XXXX ( SPS ), your servicer or an affiliated company, Exhibit XXXX -XX/XX/XXXX XXXX, XXXX - XXXX XXXX response to RESPA QWR dated XXXX XXXX, XXXX and XXXX XXXX, XXXX states XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX XXXX XXXX loan, and Exhibit XXXX - on XXXX XXXX, XXXX - XXXX Company XXXX XXXX XXXX XXXX owned subsidiary of XXXX XXXX XXXX sent a FDCPA debt letter claiming Select Portfolio Servicing is the owner of the debt. Exhibit XXXX -Attached to the XXXX XXXX XXXX/XXXX/XXXX letter is a Note with no endorsements. Exhibit XXXX - Attached to the SPS XXXX/XXXX/XXXX letter is a Note with no endorsements and a certificate of transfer claiming XXXX is transferring the loan to XXXX XXXX as Trustee for HVMLT XXXX. Also attached were XXXX screenshots from that appears to be the Mortgage Electronic Registration Systems which shows loan transfers that do not match the timelines of other statements and debt collection actions. XXXX/XXXX/XXXX XXXX transferred the loan to XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX transfers the loan to XXXX XXXX XXXX XXXX a division of XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX a division of XXXX XXXX Bank XXXX. transfers the loan to XXXX, XXXX/XXXX/XXXX XXXX transfers the loan back to XXXX XXXX XXXX, XXXX/XXXX/XXXX XXXX XXXX XXXX transfers the loan to XXXX XXXX as Trustee ( no trust named ) XXXX. Failure to properly respond to FDCPA request to validate the debt, name owner of the debt and provide full accounting and ARM adjustment history. FAIR DEBT COLLECTIONS PRACTICES ACT ( " FDCPA '' ) 15 U.S.C. 1692 See Exhibits XXXX and Exhibit XXXX. Placing lender paid mortgage insurance without disclosure and subsequent fraudulent concealment of insurance by servicers. THE HOMEOWNER PROTECTION ACT of XX/XX/XXXX ( " HOPA '' ) 12 U.S.C. 4907 See Issue # XXXX. Discrimination in loan modification. EQUAL CREDIT OPPORTUNITY ACT ( " ECOA '' ) 15 U.S.C. 1691 See Issue # XXXX. Using false entries of property value and interest rate on NPV test to deny modification and stating loan was owned by XXXXPortfolio ( Servicer owned ) when previously it was stated that XXXX XXXX owned the loan. Refusals to provide actual investor directives or even give a straight answer regarding investor. Dodd-Frank XXXX See Exhibit XXXX. Reporting the debt and not reporting it as disputed to all XXXX credit bureaus. Although the loan has been disputed including the amount due and ownership for more than 4 years within several written requests, the servicers have continued to report the debt and not reported it as disputed and have failed to properly validate the debt. FAIR CREDIT REPORTING ACT ( " FCRA '' ) 15 U.S.C. XXXX XXXX Exhibits XXXX XXXX. Failure to engage in loss mitigation as required after a bankruptcy was dismissed on XXXX/XXXX/XXXX. Instead I began receiving notices of continuing foreclosure proceeding from XXXX XXXX & XXXX on XXXX/XXXX/XXXX, and Notice of Default from SPS on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Foreclosure proceedings again with no effort for loss mitigation. Part XXXX -- Real Estate Settlement Procedures Act ( Regulation X ) 1024.39 ( d ) ( XXXX )
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: Yes Timely Response

2015-04-08

HI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We applied for a loan mod in XXXX. Because after the economic downslide in XXXX, we could n't afford our mo. payments at 7 % int. ( equaling over $ 15K mo. with impounds ) ; especially with interest rates half that amount at the time. But we were denied. We repeated the application a couple of years later only to find out that our original mortgage company ( XXXX ) had gone bankrupt and that we 'd been paying a service provider, Select Portfolio Services , Inc ( SPS ). We hired attorney, XXXX XXXX and his researcher, to find out who owned our loan. They found proof that our mortgage had been sold on the stock market multiple times, that Mers was involved with Robo signing, notaries signed docs whose licenses had expired, and that our loan had been transferred to US Bank 3 yrs after XXXX went bankrupt. XXXX XXXX said that we MUST stop paying our mortgage to make them sue us, because only then they 'd have to prove they owned our mortgage. So we did. We wound up hiring another attorney, XXXX XXXX in XXXX and went to court with our case. The judge ( XXXX XXXX in XXXX ) asked the opposing side ( US Bank, which SPS serviced ) to prove that they owned the loan. They could NOT prove it, said that " It was too erroneous ''. ( " Erroneous '' means it 's above the law ), in other words they could n't prove it and do n't have to prove it. XXXX XXXX said that he did not know how to rule and then ruled in THEIR favor!!? The attorney for US Bank was on the phone - did n't even show up in court. So after the ruling, although we did NOT believe that they owned the loan, we continued with the loan modification process with SPS and tried to get our loan reinstated. After getting lots of " run-around '' and eventual denial, we went into foreclosure status, with a commissioner assigned to sell our house. This is our family home and where we office. So we were advised to file Chapter XXXX BK to halt the foreclosure process. Our new BK attorney ( XXXX XXXX ) charged us $ 20K to create and file a plan for Chapter XXXX. We left it up to him because we assumed he had the experience/know how. However, our plan and our BK was denied and as soon as it was, the foreclosure threat became active again. Simultaneously throughout this entire time, we had another attorney ( XXXX XXXX in XXXX XXXX ) VERY actively trying to negotiate a loan mod for us with SPS. He was asked to send, resend, and resend the same paperwork over and over ; then only to be told that they needed to be updated. NOTE : What we did n't realize back when we stopped paying our mortgage is that our interest was going down from 7 % to 2.5 % as of XXXX XXXX. Too bad we did n't realize that back then. Anyway, we 've since offered SPS to make monthly payments at our legal current interest rate of 2.5 % and to even pay part of the arrears off and to put the balance of the arrears ( which had grown to over $ 400K ) on the back end just to end this. SPS told us repetitively that things look good, that it 'll be any day, any day and that we should hear back by XXXX/XXXX/XXXX. Then our original attorney, XXXX XXXX ( who took our case to court and lost ), called and said that with the commissioner who was assigned could sell our house now that we were out of BK. He could say they tried to reach us and did n't, and the next thing we would hear is that we have to vacate. This has caused us tremendous stress, so I am reaching out for HELP. We obviously have always intended to pay whoever owned our loan and to get a fair interest rate. It now seems VERY unfair ( even criminal ) that no one can prove who owns our mortgage, yet US Bank has the ability/the right to foreclose, even when we are trying desperately to make a fair payment structure and to reinstate our loan. We have n't known where to turn, so I am hoping that you can PLEASE HELP, or help us understand how to get help
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-04-07

Casa Blanca, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-07

Discovery Bay, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Our servicer, Select Portfolio Servicing in Utah, has requested require documents in order to negotiate a loan modification with the borrower. The borrower had received a completion notice from XXXX in XX/XX/XXXX, saying within one month, the examination will be notified to the borrower. The notification to this effect has never been received thus far, whereas Required Information Notice has been numerously received by the borrower. SPS has been repeatedly extending the expiration date for submission of Required Information, and the latest notification said the date has been set for XX/XX/XXXX. However, the borrower has recently been receiving numerous solicitation letters from attorneys at law and other private companies that are offering legal assistance regarding violation of " Dual Tracking '' and " Single Point of Contact '' because they insisted public notice has it that non-judicial trust sale date has been set for XX/XX/XXXX. The borrower has not received the Notice of Sale from Select portfolio servicing yet XXXX has listed the property to be auctioned off on XX/XX/XXXX. XXXX XXXX, Consumer Ombudsman Specialist at SPS wrote to the borrower with its carbon copy of XX/XX/XXXX addressed to CALIFORNIA ATTORNEY GENERAL 'S OFFICE, saying " Please keep in mind that each time documents are received an Acknowledgement Letter will be sent out. Once the processor has reviewed the documents another letter will be mailed out advising of documents that are needed or advising that we have a complete packet. '' See the last paragraph of the XXXX page of the said letter by XXXX XXXX as per attached hereto. Since XX/XX/XXXX, the borrower has submitted information numerously all along, but the said Acknowledgement Letter has never been received. The borrower has received Required Information Notices with pre-printed boilerplate letters containing all-encompassing documents. The borrower has never been able to speak to the so-called XXXX relationship managers, XXXX XXXX, and XXXX XXXX, as a single point of contact, but more than a XXXX different people from SPS called the borrower, asking redundantly for already-submitted documents and information. The borrower finally gave up on talking to them on the phone and SPS notified the borrower stating they will terminate any verbal communication with borrower yet SPS calls numerous times without leaving voice mail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-07

HI

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We applied for a loan mod in XXXX. Because after the economic downslide in XXXX, we could n't afford our mo. payments at 7 % int. ( equaling over $ 15K mo. with impounds ) ; especially with interest rates half that amount at the time. But we were denied. We repeated the application a couple of years later only to find out that our original mortgage company ( XXXX ) had gone bankrupt and that we 'd been paying a service provider, Select Portfolio Services , Inc ( SPS ). We hired attorney, XXXX XXXX and his researcher, to find out who owned our loan. They found proof that our mortgage had been sold on the stock market multiple times, that Mers was involved with Robo signing, notaries signed docs whose licenses had expired, and that our loan had been transferred to US Bank 3 yrs after XXXX went bankrupt. XXXX XXXX said that we MUST stop paying our mortgage to make them sue us, because only then they 'd have to prove they owned our mortgage. So we did. We wound up hiring another attorney, XXXX XXXX in XXXX and went to court with our case. The judge ( XXXX XXXX in XXXX ) asked the opposing side to prove that they owned the loan. They could NOT prove it, said that " It was too erroneous ''. ( " Erroneous '' means it 's above the law ), in other words they could n't prove it and do n't have to prove it. XXXX XXXX said that he did not know how to rule and then ruled in THEIR favor!!? The opposing attorney was on the phone - did n't even show up in court. So after the ruling, although we did NOT believe that they owned the loan, we continued with the loan modification process with SPS and tried to get our loan reinstated. After getting lots of " run-around '' and eventual denial, we went into foreclosure status, with a commissioner assigned to sell our house. This is our family home and where we office. So we were advised to file Chapter XXXX BK to halt the foreclosure process. Our new BK attorney ( XXXX XXXX ) charged us $ 20K to create and file a plan for Chapter XXXX. We left it up to him because we assumed he had the experience/know how. However, our plan and our BK was denied and as soon as it was, the foreclosure threat became active again. Simultaneously throughout this entire time, we had another attorney ( XXXX XXXX in XXXX XXXX ) VERY actively trying to negotiate a loan mod for us. He was asked to send, resend, and resend the same paperwork over and over ; then only to be told that they needed to be updated. NOTE : What we did n't realize back when we stopped paying our mortgage is that our interest was going down from 7 % to 2.5 % as of XXXX XXXX. Too bad we did n't realize that back then. Anyway, we 've since offered SPS to make monthly payments at our legal current interest rate of 2.5 % and to even pay part of the arrears off and to put the balance of the arrears ( which had grown to over $ 400K ) on the back end. SPS told us repetitively that things look good, that it 'll be any day, any day and that we should hear back by XXXX/XXXX/XXXX. Then our original attorney, XXXX XXXX ( who took our case to court and lost ), called and said that with the commissioner who was assigned could sell our house now that we were out of BK. He could say they tried to reach us and did n't, and the next thing we would hear is that we have to vacate. This has caused us tremendous stress, so I am reaching out for HELP. We obviously have always intended to pay whoever owned our loan and to get a fair interest rate. It now seems VERY unfair ( even criminal ) that no one can prove who owns our mortgage, yet US Bank has the ability/the right to foreclose, even when we are trying desperately to make a fair payment structure and to reinstate our loan. We have n't known where to turn, so I am hoping that you can PLEASE HELP, or help us understand how to get help, since we want to keep our family home.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2015-04-07

Foothill Ranch, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: XXXX XXXX XXXX was the original mortgage company for my home loan three years ago. I was going through major hardship after my divorce when we went from a healthy XXXX income to a XXXX income. I was also in transition in my work. I knew trouble was coming, so I contacted XXXX XXXX XXXX. They told me that I had to be in default before they could work with me to modify my loan. In another three months, I was in default, so they started to offer assistance. It took 18 months before they approved me for what they called a loan modification, which an attorney told me clearly was not. XXXX XXXX XXXX made " clerical errors '' and " forgot '' to include escrowed charges into my monthly payment. They apologized, but there was nothing they could do. I was now in default of my " loan modification. '' However, that did n't matter, because at that same time and though I had paid {$12000.00} to XXXX XXXX XXXX over a period of six months during the supposed trial period, XXXX XXXX XXXX sold my loan or handed it over to a servicer, Select Portfolio Servicing , Inc. ( SPS ). Once I learned of that transition, I contacted SPS and entered into a loan modification process with SPS. At first, I thought SPS would help me, but now I feel strongly that they were playing games. While legally allowed to do so, every 60 to 90 days, they contacted me to tell me a new program had opened that I might be a fit for and that meant we would have to close the current process down to allow me to apply for the new program. I trusted them. I thought they must know better than I the homeowner does. So I agreed. Every few months this happened until we were entering our second year. At that point, we tried what I believe was the HAMP, and was declined. So we kept submitting paperwork. In XX/XX/XXXX, I hit a wall with SPS. It felt as though they were stringing me along, but I did n't understand why. In XX/XX/XXXX they said I did n't earn enough money at {$6000.00} a month. In XXXX they said I earned too much money at {$7000.00} a month. I called to ask them what income they would need to allow me a modification and I could not get a straight answer. I began my search for a law firm to help me in my loan modification and communication process. In early XX/XX/XXXX I signed an agreement with XXXX XXXX XXXX in XXXX XXXX to help me structure the loan modification application and help me communicate with SPS. The representatives at the law firm got the same runaround as I had gotten from SPS. However, a new twist was added and I was once again financially XXXX. I was n't earning what I had been, which threw a wrench into the works for the process. We are now coming to the XXXX appeal, according to SPS. My financial situation has improved and SPS should consider my income over an average of 6 to 12 months to get a clear picture that I can pay {$2500.00} a month in a new loan. I own my own business and freelance. That means I do n't receive a paycheck like a W2 employee. But I can certainly pay my bills. I paid for both a legitimate home inspection and a legitimate home appraisal, which comes in about {$100000.00} less than the appraisal SPS continues to use in my paperwork that was provided to them via drive-by appraisal tactics. I HAVE REQUESTED VIA MY ATTORNEY THAT SPS CONSIDER THE APPRAISAL AND HOME INSPECTION REPORT, BUT TO THIS DAY THEY HAVE NOT. For two years I have asked for XXXX things : Please give me a loan with reasonable terms, remove some or all arrears that make this loan too much to bear, and give me an affordable monthly payment ( which with escrowed HOA dues, taxes and insurance would be about {$2400.00} - {$2800.00} a month ). I feel like I have been victimized by SPS and a very broken loan modification process that was put in place to help people in hardship keep their family homes. What I have come to realize is that the program and servicers help very few people.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2015-04-06

Aliso Viejo, 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

2015-04-06

Commerce, MI

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 Untimely Response

2015-04-06

Campton Hills, IL

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

2015-04-06

Clarkesville, 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

2015-04-06

Fontana, 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

2015-04-06

MD

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Our mortgage company Select Portfolio Servicing has been flat out lying to us about our modification application. They were encouraging at XXXX when we began struggling with our payment due to loss of income and employment, but as we try to go through the process with them they provide conflicting information, tell us that all documents are in and that we are going to underwriting for a decision. After 3 weeks with no contact we call them and are told there was no review done because they never got out paperwork. This has gone on for months and is very frustrating. Our current mortgage payment is close to half of our current income and we know that there are government programs to help people like us. Why is SPS giving us such a runaround? My husband has worked as a XXXX forXXXX years. I have run a XXXX business for the last XXXX years but in XX/XX/2013 I lost several of my clients due to the bad economy -- their parents could no longer afford the service. This coincided with XXXX losing hours at his job. This put us in a bad situation. We also have taken in foster children periodically over the past 9 years, which helped supplement our income. Unfortunately we had a very bad experience with the last foster child we took in and it was so heartbreaking we are not taking on any new kids. After falling a couple of months behind on the payment we were told by SPS that they would review our application for modification assistance. After sending the package in there was no communication for several weeks. When I called in I was told that the paperwork had been lost and needed to be re-sent. I sent the paperwork again and when I called to follow up the agent deflected the conversation into a collection call, demanding to know when we would make a payment. We then began getting correspondence to try and get us to agree to a short sale or deed in lieu of foreclosure, even though SPS had never even opened a review for options to save our home that was actually built by my husband 's uncle! On a recent call we were told that everything that was needed for the review was in and that the file was going to an underwriter for a decision. We waited a few weeks and called back in to find out what the decision was, and were told that SPS did not have our paperwork so no review could be conducted. We have gone through a tough stretch here, but have done everything we can to comply with the bank 's requests for financial information. Not only that, but I have taken a job working at XXXX to supplement XXXX XXXX income. I do n't understand why SPS treats their customers so poorly -- we are scraping every bit we can to make sure bills are paid and I am training to be a supervisor at XXXX and working as many hours as they will allow so that we can resolve all of these issues with SPS. We know that there are government programs designed to assist people like us, and we know that we fit into these program guidelines. What we do n't know is why SPS is giving us such a hard time and not allowing us to access these programs.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with non-monetary relief

Disputed: No Timely Response

2015-04-06

Sarasota, 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 non-monetary relief

Disputed: No Timely Response

2015-04-06

NY

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I submitted a loss mitigation package to attorneys for servicer SPS. On XX/XX/XXXX, I received the denial letter dated XX/XX/XXXX, from SPS 's attorneys. It was XXXX months late, it had an incorrect NPV gross monthly income amount and incorrectly denied HAMP Tier 2 eligibility. On XX/XX/XXXX, I sent SPS 's attorneys a notice of appeal consisting of an explanatory letter and XXXX spreadsheets showing my waterfall calculations. By letter dated XX/XX/XXXX, SPS denied the appeal claiming I had provided no documentation and it was past the 30 day appeal deadline. I responded by letter dated XX/XX/XXXX. All cited letters are attached herein.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2015-04-05

Beverly Hills, CA

Settlement process and costs

Mortgage: FHA mortgage

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

Disputed: No Timely Response

2015-04-04

Milwaukee, WI

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: We filed for chapter XXXX and our home was not included. It was discharge XX/XX/XXXX. I called SPS in XX/XX/XXXX to discuss our options ( short sale, deed in lieu, etc. ). The rep stated, since we have children we could get {$3000.00} for moving expenses. On the advice of our attorney, he said to call the opposing law firm ( XXXX ) to find out the sale date of our home after XX/XX/XXXX. I called them on XX/XX/XXXX and left a message asking for this information. No one ever called back. I checked with my attorney and he was unable to find out when the sale date of hour home would be. On XX/XX/XXXX, we received a registered letter stating our court case would be XX/XX/XXXX to confirm the sale of our home! Talk about no notice!!! Three weeks??? Plus, no one would let us know the sale date. I called SPS and they said that we were not eligible for the {$3000.00}. They said because the sale had already taken place. What? I asked why this was n't explained in fall. The CSR said I should have provided a contact number. I replied, " Why did n't the CSR ask for XXXX in fall? Plus, SPS has our mailing information. They could have mailed it if they did n't have the phone number. '' The CSR blamed me for not following up. I told him, " I have never been through this process before, so how would I know? '' He said it was still up to me. Due to the short time frame, we have no place to go to and will be living in a hotel. We have XXXX children and XXXX of them are XXXX. I ca n't imagine how this could have been made any more difficult than it has been. Coming off of a chapter XXXX, we are cash poor and desperately need this money to sustain us while living in a hotel, to cover moving expenses, and to set up residence elsewhere.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with monetary relief

Disputed: Yes Timely Response

2015-04-03

Smyrna, 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

2015-04-03

Portland, OR

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