SELECT PORTFOLIO SERVICING, INC
Consumer Complaints
There are over 9109 complaints on file for SELECT PORTFOLIO SERVICING, INC. Dated between 2019-12-06 and 2012-02-28.
Complaints Page 44
2019-01-16
Betsytown, NJ
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-16
Santa Barbara, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: My loan started to adjust in XX/XX/XXXX, it has continued to adjust. My payments were about {$1300.00} a month and now they are {$3700.00} a month. They forced an impound on my account when they paid for back taxes when I was in BK. I was in a repayment program with the county during the BK and had done exactly what they county advised me to do.
I have been trying to get a modification since XX/XX/XXXX, every time I send the documentation they request they ask for something else. By the time they get back to me it is 3 months and they want more updated documentation or they turn me down with no explanation. It has become a vicious cycle. I live in a beach community, I purchased my home in XX/XX/XXXX. In XX/XX/XXXXwe found a builder, constructor defect that had caused massive mold in my home. I eventually had to file chapter XXXX BK. It had to be torn down to the studs. After having to sue the builder I barely had enough to rebuild. It still didn't fix the problem and I have found leaks each year when we have bad storms. Hopefully I have finally fixed the leaks, it has not leaked in 3 years. When I had to rebuild my home we turned the back bedroom into a studio apartment that I could get {$2000.00} a month income from if and when I choose to rent it out for extra income. I have struggled to keep my home all this time. I rented out my house as a vacation rental a few months of the year to pay my property taxes. Currently I have been forced to rent out my home on a regular basis in order to pay this huge mortgage payment to avoid losing all the equity in my home. I stay with my boyfriend and my children when it is rented out. I have tried to get a reverse mortgage and don't qualify. I don't qualify for a refinance, I am XXXX and have been since I was XXXX years old, I am now XXXX years old and on a fixed income. My home is all I have, all the equity is my retirement, which I can't access. The lender has now stated that they are sending the loan back to the original lender BofA to approve. My loan has been sold 4 or 5 times since the original loan, I don't understand why it would be going to BofA for modification approval.
I have tried to sell the home with no success. I owe {$520000.00} on my home, it is worth at least {>= $1,000,000}. After I sell my home with all the realtor and other fees and taxes I won't even be able to purchase another home in the area I have lived at for the past 30+ years. Since I have had to rent out my home on a regular basis I no longer qualify for the {$250000.00} tax credit when I sell it. I love my home, I want to keep my home. I am in desperate of help. I no longer have a savings, everything I have goes to making the {$3700.00} house payment. PLEASE HELP ME The stress of this nightmare is killing me physically and emotionally. My health is worse than it has been in years.
I applied for save your home CA, was told I had to take my house off the real estate market, and had to be off at least 2 months. When I called back in XXXX XXXX they were out of money. HARP turned me down because I had too much equity.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-15
Midlothian, VA
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-15
Oxford, GA
Trouble during payment process
Mortgage: Other type of mortgage
Complaint: I am disputing the debt owed to Select Portfolio Servicing for Acct # XXXX under the name of XXXX XXXX.
Select Portfolio Services my loan on behalf of XXXX XXXX XXXX XXXX XXXX, as Indenture Trustee, for the benefit of the holders of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes.
I dispute the legitimacy of the XXXX XXXX XXXX XXXX XXXX Mortgage Backed Notes.
I have asked Select Portfolio multiple times for information on this trust and have never gotten a straight answer describing or proving it's existence. This is unacceptable to me.
I have fallen way behind on this mortgage payments mainly because there has always been an issue with the way this mortgage has been serviced. There have been many deceptive practices by Select Portfolio Servicing.
They seem to be more intent on foreclosing on this property than giving me the answers I need to have confidence on where my money is actually going. At this point I would be blindly paying them just to keep my house from being foreclosed on.
I have spoken to XXXX XXXX and they can't even give me information on the trust.They tell me that it is XXXX XXXX who has the information on the trust ... I call them and nobody and can me anything about it. I talk to the folks at Select Portfolio and they know nothing as well. This is very odd to me.
I want to settle this and get my mortgage back on track. I have the funds to get things back to where they should be I just need some clarity on where my funds are going. Thus should not be such an outrageous request.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-15
Auburn, WA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-14
VA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: XXXX XXXX/XXXX as well as XXXX XXXX, and Select Portfolio Servicing, have not been forth coming with THEIR SIDE of the financials. Meaning for over 12 years my money was DISAPPEARING from my account. I made a complaint 10 years ago requesting this information through H.O.M.E, with no documents. I was advised to do a Chapter XXXX, I did and 2.5 years into the Banckruptcy the lender LIED to my lawyer and my lawyer let them process a " stay '' not sure of the legal term, but it removed them from the bankruptcy. I have ALL DOCUMENTS and CAN PROVE, LENDER FRAUD, WIRE FRAUD, BANKRUPTCY FRAUD, and ESCROW FRAUD.I was not able to get the Lenders financials until I wrote up to the White House last XX/XX/2018. All of my money is gone. These financials ARE Correct as they show every month the banking charges but not my payments and I have every one THE ORIGINALS. I was told by S.P.S. that they were not able to get the financials as when XXXX. sold the note that only like years were sent. I find that very interesting because that is around the time I had stopped paying XXXX. When I could not qualify for the H.A.M.P. program I was told by the Lender that the Note Holder did not pertisapate. At, this point XXXX gave me an in-house modification called CHAMP. This is another rip-off as they added XXXX changing my Original Note from XXXX to XXXX. They closed their account on the Credit reporting agency XXXX as CLOSED-DEED IN LIEU OF ... I NEVER SIGNED ANYTHING!!! I took photos of the Notification I got from XXXX because of course they have lied on their last response back to you. Everything that they are saying are lies and I can PROVE EVERYTHING. Please Please help me, I am XXXX XXXX and I do not want to go through another year of this horrible treatment. Thank you, lets go get these guys once and for all.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-14
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-12
San Diego, CA
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XX/XX/2018 I was laid off from my job and just days later had my wallet stolen. I immediately closed my checking account and opened new account with same banking institution. Unfortunately, I neglected to update online banking information when making XX/XX/2018 mortgage payment ; however, days later it occurred to me and immediately called Select Portfolio. The updated account information was provided to Select Portfolios representative and payment was made. The representative assured me the banking information had been updated online and no further action was required. This was not the case as the following payment for XXXX was returned by my bank as closed account. Although I can appreciate Select Portfolios concern, my sharing that I was assured by their representative in XXXX that my banking information was updated in their system was met with confrontation and requirement for future payments to be made by certified funds. Payment to replace returned check was sent by certified mail and received by Select Portfolio on XX/XX/XXXX. A few days later I received a collection call from Select Portfolio. Imagine my shock when I learned that said XXXX payment of {$2600.00} for XXXX mortgage was applied to line of credit rather than my mortgage. Since the payment on the line of credit is approximately {$330.00} each month, it baffles me why it was posted to that account. I was assured it would be corrected ten days ago and yet it remains unresolved.
Unless corrected, I lose benefit of the tax deduction for 2018 for XXXX mortgage payment as a result of their sole action. Further, from a credit standing, it impacts to have late payment as a result of their ineptness and lack of interest to correct.
As an aside, I did utilize the ombudsman with not as much as an acknowledgement much less a response. Any assistance you can provide in this matter would be very much appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-12
Leominster, MA
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Seized or attempted to seize your property
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-11
Beach Haven, NJ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: i applied for a modificaiton/workout in XX/XX/XXXX to see if they could assist with reducing the payments since I don't have enough income to refinance ; In XX/XX/XXXX they presented me an offer that i declined - because it was only a reduction in payment for 3 mos and then would only reduce my payment by $ XXXX/mo ( this was not in any of my paperwork either ).
I have not been late with my payments during this review period and declined it. They reported me late and/or in modification to the credit bureaus and have a " repayment '' payment option for me on their website when I make a payment. I remained current during their review, I continue to be current, i declined their offer, therefore, i'm not late and I am not in modification/workout. I have called 2x for a letter stating same and they won't send it. I want something in writing since so i can fix it with the credit bureau as my score dropped 30 points due to same, which is why i don't believe them, only mortgage reporting drops it that much in a 1 month period.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-10
FL
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My previous mortgage servicing company ( XXXX ) would allow online and or phone payments for no charge.
That servicer transferred my mortgage to another servicer ( Select Portfolio Servicing, Inc. ).
SPS ( Select Portfolio Servicing ) requires the payment of a {$15.00} fee anytime you make a one time online payment on their website.
I do not believe this is fair and I question whether it's even legal. And I'm not XXXX. It does not cost them anything to accept online payments. There are no incremental costs to SPS when they accept online payments.
Effectively, with no authorization from me, these two companies ( XXXX & SPS ) changed the terms of my mortgage and made it more expensive.
I am requesting that SPS be required to allow online payments for no fee.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-10
Akron, OH
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-09
Chula Vista, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-09
Carrollton, LA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-09
Coronado, AZ
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
Carrollton, LA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
Newnan, GA
Struggling to pay mortgage
Mortgage: Other type of mortgage
Complaint: Select Portfolio requested proof of the XXXX statement that shows my loan was never modified and the detailed history.
XXXX has not complied with the terms of the DODD Frank 's Act to allow for consumers to convert subprime mortgages under the HARP program to a fix rate mortgage. XXXX sold my mortgage to Select Portfolio on XXXX XX/XX/XXXX.
XXXX is actually still the lender and they denied my request to a loan modification in XX/XX/XXXX. The mandate period expired on XX/XX/XXXX. XXXX was sued for mortgage fraud in XXXX and XXXX.
I never agreed to a subprime mortgage. I want this issue resolved asap.
Request the FBI, CFPB, SEC, FTC mortgage fraud investigators investigate this matter and add ke to the class action lawsuit against select portfolio. XXXX refuses to resolve this matter and intentionally uses Select Portfolio to avoid penalties and accountability for this mortgage fraud.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
Herndon, VA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-08
Sandwich, MA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Five Points, NC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: My loan is with SPS Select Portfolio Servicing. I was sent two separate XXXX Cancellation debt one for XX/XX/XXXX of in the amount of {$91000.00} and one for XX/XX/XXXX for the amount of {$76000.00}. I have file both XXXX on my taxes. Both years have been adjusted on my taxes. Both amounts have been added back into the loan. Which has increased the of my loan to {$380000.00}. I was informed from several agencies that those amounts should not be added back into the loan because these amounts have been sent to the IRS as a forgiven debt. Which means they have said they can not collect the debt. So why are the added back into the loan. The explanation The servers is say is that because the loan modification was not completed. The amounts have been added back into the loan. So they get the tax break from the IRS and still get to add it back into the loan.
I have been trying to get help to get help with my loan and I don't qualify because of the amount stated on my statements.
I need help getting this corrected so I can get my mortgage back on track.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Masonville, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-07
Mountain View, OK
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: https : //www.justice.gov/opa/pr/credit-suisse-agrees-pay-528-billion-connection-its-sale-residential-mortgage-backed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX While SPS ( XXXX XXXX ) allowed me to modify my loan and defer in XX/XX/XXXX or XX/XX/2018 until the end of my note, they decided to later say I owed for escrow shortages to raise my rates to collect more money and completely negate the supposed method of deferment assistance. They may have said they are assisting the homeowner in order to receive credit for this lawsuit settlement, they have not been monitored since. They initially do the modifications or reliefs but later tack on additional fees and claim escrow shortages to put me and many other homeowners right back in the same position. I will also be filing and reporting fraud with the department of justice. They have decided to refer my loan to an attorney for foreclosure. They say my loan is owned by XXXX XXXX XXXX XXXX, however the pool that my mortgage was sold in ( and a fraudulent mortgage assignment recorded in XXXX County One signature on my assignment, XXXX XXXX is listed only as manager but she has a different title and has notarized other homeowners assignments ) was recently referenced in a lawsuit by XXXX XXXX XXXX XXXX and was to be bought back by XXXX ( XXXX XXXX ) or XXXX/XXXX due to XXXX/XXXX XXXX lies and misrepresentation of mortgages in that pool. Its yet again proof that this company will spare no expense, even violate federal consumer protection laws to get what they want, a single mothers home where she has raised her children. They will pad their pockets and increase their gains anyway necessary even to the point of misleading homeowners and the federal government of their attempts to assist.
It is a shame that this bank and company ( SPS who is owned by XXXX XXXX ) is allowed to mislead homeowners and put them in a bind to only take their homes after leaving them with so much debt that they couldnt refinance, sale, or achieve ultimate homeownership if they wanted to. They are a scam and lie and manipulate. I thought I had relief from them when I received a letter from another company but SPS continues to harass me
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-06
Norwalk, CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: Dear Madam or Sir : I understand that under Section 6 of RESPA you are required to acknowledge my request within 20 business days and must try to resolve the issue within 60 business days. Please treat this letter as a " qualified written request '' under the Real Estate Settlement Procedures Act, 12 U.S.C. Section 2605 ( e ).
I am writing to you to complain about the accounting and servicing of my mortgage and my need for understanding and clarification of various charges, credits, debits, transactions, reversals, actions, payments, analyses and records related to the servicing of my loan from its origination to the present date. To date, the documents and information I have, that you have sent me, and the conversations with your service representatives can not answer my many questions.
It is my understanding that your company has been accused as engaging in one or more predatory lending and servicing schemes. As a citizen, I am extremely concerned about such practices by anyone, let alone my own mortgage company or anyone who has held a beneficial interest in my QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 2 of 8 loan. I am concerned that such abuses are targeting the uneducated and uninformed consumer and disadvantaged, poor, elderly and minorities.
Needless to say, I am more concerned as an alleged borrower. I am worried that potential fraudulent and deceptive practices by unscrupulous mortgage brokers ; sales and transfers of mortgage servicing rights ; deceptive and fraudulent servicing practices to enhance balance sheets ; deceptive, abusive and fraudulent accounting tricks and practices may have negatively affected my credit rating, mortgage account and/or the debt or payments to which I am legally obligated.
Because of this and other reasons that leave me to believe that I may be a victim of predatory lending, I am disputing the validity of the current debt you claim I owe. By debt I am referring to : 1. The principal balance claimed owed ; 2. My calculated monthly payment, 3. Calculated escrow payment 4. And any fees claimed to be owed by you or any trust or entity you may represent.
I have reason to believe that the loan terms were misrepresented to me at the time of application and further obscured and/or modified prior to signing. I believe that my income may have been inflated on the application. I also have reason to believe that certain statements were not provided for my approval prior to closing, and that signatures may have been forged on various documents. It is also my belief that certain documents may have not been presented at all. Additionally, I believe that a notary was not physically present to witness my signatures on several pertinent documents and that I was ill advised at the time of closing.
To independently validate my debt, I need to conduct a complete exam, audit, review and accounting of my mortgage loan from its inception through the present date. Upon receipt of this letter, please refrain from reporting ANY negative credit information [ if any ] to any credit-reporting agency until you respond to each of my requests.
QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 3 of 8 I also request that you kindly conduct your own investigation and audit of my account since its inception to validate the debt you currently claim I owe. I would like you to validate this debt so that it is accurate to the penny!
Please do not rely on previous or current servicers or originators records, assurances or indemnity agreements and refuse to conduct a full audit and investigation of my account.
I understand that potential abuses by you or a previous servicer could have deceptively, wrongfully, unlawfully and/or illegally : 1. Increased the amounts of my monthly payments 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged and/or collected fees, expenses and misc. charges I am not legally obligated to pay under my mortgage, note and/or deed of trust. 7.
I am thinking about contracting the XXXX XXXX XXXX XXXX and/or one of their affiliates to perform a forensic document review of your investigation and audit of my account. To help me decide if I am going to move forward with a third party auditing company, I need : ( 1 ) copies of all documents pertaining to the origination of the alleged mortgage and note including my loan application ( s ), Right to cancel, deed of trust, note, adjustable rate note, addendum to the note for the interest only payment period, truth in lending statements, good faith estimate ( GFE ), HUD 1, appraisal, and all required disclosures and rate sheets QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 4 of 8 associated with this transaction for the above referenced loan. The copies should be legible and all documents shall be copied in their entirety.
( 2 ) A copy of the loan history including all payments made, all fees incurred, what has been paid out of the escrow account, and how all payments were applied. This information should cover the ENTIRE life of the loan.
I want to insure that I have not been the victim of such predatory practices.
To insure this, I will be authorizing a thorough review, examination, accounting and audit of my mortgage LOAN # XXXX by a team of mortgage auditors predatory lending experts, consumer advocates, local non-profit agencies, compliance consultants and if needed LEGAL ADVOCATES. This exam and audit will review my mortgage loan file from the date of my initial contact, application and the origination of my loan to the present date written above.
As such, please treat this letter as a Qualified Written Request under the Real Estate Settlement Procedures Act, codified as Title 12 2605 ( e ) ( 1 ) ( B ) ( e ) and Reg. X 3500.21 ( f ) 2 of the United States Code as well as a request under Truth In Lending Act [ TILA ] 15 U.S.C. 1601, et seq. RESPA provides substantial penalties and fines for non-compliance or failure to answer my questions provided in this letter within sixty ( 60 ) days of its receipt!
In order to conduct the examination and audit of my loan, I need to have full and immediate disclosure including copies of all pertinent information regarding my loan. The documents requested and answers to my questions are needed by myself and my experts to insure that my loan : 1. Was originated in lawful compliance with all federal and state laws and regulations including, but not limited to RESPA, TILA, Fair Debt Collection Act, HOEPA and other laws ; 2. That any sale or transfer of my loan was conducted in accordance with proper laws and was a true sale of my note ; QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 5 of 8 3. That the claimed holder in due course of my promissory note and/or deed of trust is holding such note in compliance with State and Federal laws and is entitled to the benefits of my payments ; 4. That all appropriate disclosures of terms, costs, commissions, rebates, kickbacks, fees etc. were properly disclosed to me at the inception of my loan ; 5. That each servicer and/or sub-servicer of my mortgage has serviced my mortgage in accordance with the terms of my mortgage, promissory note and/or deed of trust ; 6. That each servicer and sub-servicer of my mortgage has serviced my mortgage in compliance with local, state and federal statutes, laws and regulations ; 7. That my mortgage loan has properly been credited, debited, adjusted, amortized and charged correctly ; 8. That interest and principal have been properly calculated and applied to my loan ; 9. That my principal balance has been properly calculated, amortized and accounted for ; 10. That no charges, fees or expenses, not obligated by me in any agreement, have been charged, assessed or collected from my account ; As such, please send to me, at my address above, copies of the documents requested below as soon as possible. Please provide me copies of : 1. All data, information, notations, text, figures and information contained in your mortgage servicing and accounting computer systems including, but not limited to XXXX or XXXX XXXX XXXX, or any other similar mortgage servicing software used by you, any servicers, or subservicer of my mortgage account from the inception of my loan to the date written above. 2. All descriptions and legends of all Codes used in your mortgage servicing and accounting system so that the examiners, auditors and experts retained to audit and review my mortgage account may properly conduct their work. 3. All assignments, transfers, allonges, or other document evidencing a transfer, sale or assignment of my mortgage, deed of trust, promissory note or other document that secures QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 6 of 8 payment by me to my obligation in this account from the inception of my loan to the present date including any such assignments on MERS. 4. All records, electronic or otherwise, of assignments of my mortgage, promissory note or servicing rights to my mortgage including any such assignments on MERS. 5. All deeds in lieu, modifications to my mortgage, promissory note or deed of trust from the inception of my loan to the present date. 6. The front and back of each and every canceled check, money order, draft, debit or credit notice issued to any servicer of my account for payment of any monthly payment, other payment, escrow charge, fee or expense on my account. 7. All escrow analyses conducted on my account from the inception of my loan until the date of this letter. 8. The front and back of each and every canceled check, draft or debit notice issued for payment of closing costs, fees and expenses listed on my disclosure statement including, but not limited to, appraisal fees, inspection fees, title searches, title insurance fees, credit life insurance premiums, hazard insurance premiums, commissions, attorney fees, points, etc. 9. Front and back copies of all payment receipts, checks, money orders, drafts, automatic debits and written evidence of payments made by others or me on my account. 10. All letters, statements and documents sent to me by your company. 11. All letters, statements and documents sent to me by agents, attorneys or representatives of your company. 12. All letters, statements and documents sent to me by previous servicers, sub-servicers or others in your loan file or in your control or possession or in the control or possession of any affiliate, parent company, agent, sub-servicer, servicer, attorney or other representative of your company. 13. All letters, statements and documents contained in my loan file or imaged by you, any servicer or sub-servicers of my mortgage from the inception of my loan to present date. 14. All electronic transfers, assignments, sales of my note, mortgage, deed of trust or other security instrument.
QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 7 of 8 15. All copies of property inspection reports, appraisals, BPOs and reports done on my property. 16. All invoices for each charge such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense, which has been charged to my mortgage account from the inception of my loan to the present date. 17. All checks used to pay invoices for each charged such as inspection fees, BPOs, appraisal fees, attorney fees, insurance, taxes, assessments or any expense which has been charged to my mortgage account from the inception of my loan to the present date. 18. All agreements, contracts and understandings with vendors that have been paid for any charge on my account from the inception of my loan to the present date. 19. All loan servicing records, payment payoffs, payoff calculations, ARM audits, interest rate adjustments, payment records, transaction histories, loan histories, accounting records, ledgers, and documents that relate to the accounting of my loan from the inception of my loan until present date. 20. All loan servicing transaction records, ledgers, registers and similar items detailing how my loan has been serviced from the from the inception of my loan until present date.
Please provide me, with the documents I have requested and a detailed answer to each of my questions within the required lawful time frame. Upon receipt of the documents and answers, an exam and audit will be conducted that may lead to a further document request and answers to questions under an additional QWR letter.
Copies of this Qualified Written Request, Validation of Debt, TILA and request for accounting and legal records, Dispute of Debt letter will be sent to FTC, HUD, ALL RELEVANT STATE AND FEDERAL REGULATORS ; CONSUMER ADVOCATES ; AND MY CONGRESSMAN if any further evasive actions are detected or this matter is not settled.
It is my hope that you can answer my questions, document and validate my debt to the penny and correct any abuses or schemes uncovered and documented. I would like to have validation that the QUALIFIED WRITTEN REQUEST COMPLAINT DISPUTE OF DEBT/ VALIDATION OF DEBT TILA REQUEST Page 8 of 8 foreclosure process has been put on hold or will be extended until all of my request have been satisfied. Please provide for me an answer at the same time that you acknowledge my request within 20 business days.
Sincerely, Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX Ca, XXXX # Account XXXX XXXX XXXX ... ..date XX/XX/XXXX ... ... ... ... ... ... ... ... .... Signed by Home owner *XX/XX/XXXX XXXX XXXX* CC XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX, Florida XXXX Federal Trade Commission XXXX XXXX XXXX XXXX , Washington, DC. XXXX Government & Industry Relations XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Washington, DC XXXX Office of RESPA and Interstate Land Sales Office of Housing, XXXX XXXX US Department of Housing and Urban Development XXXX XXXX XXXX, XXXX Washington, DC XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-05
CA
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation
2019-01-05
Gloucester City, NJ
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: I received an escrow check from SPS inc made out to my ex-wife and myself. I inquired how to get the check sent in my name only. I was told to send in my divorce decree, which I did. A year later I have not received the replacement check for the one sent in. When I called all I receive is excuses why I don't have the replacement check. I am owed another escrow check and wondering if stumbling and bumbling company will make it out as the original check creating another long drawn out process.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation