SELECT PORTFOLIO SERVICING, INC

2018-07-10

Columbus, IN

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-10

Carol City, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-10

Bohemia, NY

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: I want to express my frustration working with Select Portfolio Servicing as so its called, in working on a Loan Modification on my subject property located in XXXX, New York. I'm very certain that Select Portfolio are receiving many lawsuits due to mismanagement of files, and also misdirecting clients and forcing some clients to loose their house to foreclosure due to not understanding the the situation of the client. My complaint has been going on with Select Portfolio for a while. It started in XXXX with the simple request of a Loan Modification due to I was facing a Hardship and could no longer afford to pay the mortgage of my house. All the time through the process, they kept requesting the same documentation over and over again with no results. They claim most of the time that documents were not received or mishandled. All the time we tried contacting the bank for an update of our process, there was a different representative, not only did they not know what was going on with the case and file, but they could not even find any updates nor any documentation regarding my file. Most of the time they kept telling me that there were no current updates and that the account specialist will follow up with me regarding the file, which they never did.It is not my fault that i felt behind on my mortgage and have caused this large debt to be accrued. I have done everything in my part as they have requested, until this date no resolutions has been reached. I finally was able to execute a complete package, and have the correct income to qualify for not only my mortgage, but for the Loan Modification as well.I was able to rent part of my property and collect a rental income of {$2500.00} on a monthly basis..All I'm looking or is for HELP. Now, SPS has placed a sales date on my property for XX/XX/XXXX. I dont understand why they would have placed a Sales date, when I have been complying with the Loan Modification and request of documentation to save my house. You have all required documentation with updated information for a review, and you do not want to open a template for a review of a loan modification for a possible solutions, all you want is to sell my house on a foreclosure auction unless we can reinstate. If I was able to reinstate the loan, I would not be asking you for help when I really need it. I believe you have executed : dual tracking '' on my case. If I was in the process of a Loan Modification, foreclosure should have been placed on hold until the review is completed. You are against the Law at the moment for not opening my case for a Loan Modification, and forcing me to foreclosure. I believe its just not fair that you can't give me the opportunity to have the file be review for a Loan Modification, to give me the opportunity that I can show you I can afford my house, and have a win win situation not only for myself as your client, but for the investor of this loan. They claim they been requesting documentation since XXXX, as a new review, the XXXX Income Tax Return was requested, how can this be requested from the year XXXX. They are mishandling my file to not provide me the opportunity to save my house. They keep saying that I was missing for a while with no response, and I informed them before this was to a XXXX XXXX that forced me into a XXXX XXXX for nearly 2 years. I have proof of all medical records that has caused this. All I want is the opportunity to suspend the foreclosure, until a review is completed, please don't based the new application against documents from so called " XXXX review ''. We are in XXXX, a new package was sent 'd, and you have not even taken in consideration the changes in circumstances that has allowed me to try to save my house.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-07-10

Ocean City, NJ

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-10

Kansas City, KS

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2018-07-10

San Jose, CA

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2018-07-10

Midwest City, OK

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2018-07-08

Warwick, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: AFTER I MADE A PAYMENT IN XX/XX/2018, I WAS A MONTH BEHIND. I HAD TO UNDERGO XXXX IN EARLY XX/XX/2018, FOR MY XXXX XXXX ; I WAS OUT OF WORK FROM XX/XX/2018 TILL XX/XX/2018 ( FOUR MONTHS ). I SPOKE WITH SPS ON XX/XX/18, EXPLAINED WHY I WAS BEHIND, THAT I WAS GOING BACK TO WORK, AND WOULD BE RECEIVING XXXX INSURANCE PAYMENTS, TOTALING FOUR MONTHS PAST DUE, ON/ABOUT XX/XX/2018. I WAS TOLD THAT WAS FINE BY CSR AT SPS. I FINALLY RECEIVED XXXX INSURANCE PAYMENTS ON XX/XX/2018, AND DEPOSITED IN MY BANK. I WENT ONLINE TO MAKE PAYMENT XX/XX/2018 TO SPS, AND WAS BLOCKED, CALLED SPS TO FIND OUT WHY AND WAS TOLD MY LOAN WAS IN FORECLOSURE! AND THEY WOULD NO LONGER ACCEPT PAYMENTS. I RECEIVED IN THE MAIL THAT DAY, THE FORECLOSURE PAPERWORK FROM THEIR ATTORNEYS. THE ONLY REMEDY WAS TO REINSTATE LOAN BY XX/XX/2018, FOR {$6100.00} ; IMMEDIATELY OVER-NIGHTED LOAN MOD/ASSISTANCE PAPERWORK TO SPS AND THEIR ATTORNEYS REQUESTING REPAYMENT PLAN ESTABLISHED ON XX/XX/18 PHONE CALL BE HONORED.
Company Response: Closed with explanation

Timely Response

2018-07-08

Lima, OH

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Untimely Response

2018-07-07

MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My major complaint is that my payments were mis-applied and then my file was sent over for Foreclosure. They have stated that I have gotten 3 modifications and that is not true. If they are a debt collector, then my alleged debt has already been paid when it was transferred over to them and I would like for my file with them to reflect that. XXXX did not forward my information over to SPS Servicing and I had to start the modification process all over again, only to be told that it was not a good business decision by my servicer and to deny me any services
Company Response: Closed with explanation

Timely Response

2018-07-06

La Tuna Canyon, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-06

Parkland, WA

Struggling to pay mortgage

Mortgage: Home equity loan or line of credit (HELOC)

Company Response: Closed with explanation

Timely Response

2018-07-05

Brandy Station, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-04

Cherry Hill, NJ

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-03

Rockville, MD

Trouble during payment process

Mortgage: Conventional home mortgage

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

Timely Response

2018-07-03

Metairie, LA

Trouble during payment process

Mortgage: Other type of mortgage

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

Timely Response

2018-07-03

Conyers, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-03

Forest Grove, OR

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-03

Federal Way, WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-03

Staten Island, NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-03

Atl, GA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-03

Rockford, IL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-07-02

Coral Gables, FL

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-02

Chatsworth, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-02

TN

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: This home was refinance by Obama home modification several years ago. The home now has several problems due to poor workmanship of the remodeling that was finance by this loan. The builder and the original mortgage financier went out of business during the XXXX housing crash. The builder and the original mortgage financier took advantage for my elderly mother by stripping all the equity out of her home and putting her in a 30 year adjustable interest rate loan when my mother only income was Social Security. Only a predatory would that advantage of an elderly person trying to improve the condition of their home. My mother has died ( XX/XX/XXXX ). SPS -Select Portfolio Servicing has been notified. I have requested a loan forgiveness. I have tried to make payment arrangements. I had power of attorney of my mother during the last three years of her life. I have spoken with SPS several times before my mother death and after my mother deaths. Now SPS is refusing to speak with me since I don't have court order executor of estate which I can not afford. On the XX/XX/XXXX a SPS representative left a door hanger on the front door for my mother whom SPS knows is dead ( decease ) requesting for her to call. I update all contact information two year ago and again last year when my mother died before I sent them a death certificate. When I call SPS, reps will not speak with me. Sometime they will most times they don't. I was making payment by the telephone last year and earlier this year until SPS started charging {$15.00} to process a payment by telephone. The staff at SPS can be very evil, vindictive, and unhelpful. I have a case worker by the name of XXXX XXXX whom I have only spoken to once last year. He never has returned my call or do any follow-up. Up until XX/XX/XXXX, I could call the automatic line to get account information with my mother 's account number, last four of SSI number, and zip code. Now SPS has added and telelphone number that is invalid so now I have no access to account infomation and SPS reps are now even more refusing to speak with me. I sincerely believe SPS- Select Portfolio Servicing is intentionally trying to foreclose on this home. It is my understanding the Obama 's home modification protects SPS and SPS will get paid off regardless of foreclosing.
Company Response: Closed with explanation

Timely Response