SELECT PORTFOLIO SERVICING, INC

2018-07-02

Chatsworth, CA

Struggling to pay mortgage

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-07-02

Foothill Ranch, 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

Timely Response

2018-07-01

Plant City, FL

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-01

Camp Springs, MD

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-07-01

Seneca, SC

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

2018-06-30

Gardnerville, NV

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: XXXX XXXX LETTER OF EXPLAINATION I purchased my house in XXXX. I have had 3 Mortgage Modifications since XXXX. The 1st modification was for 2 years through XXXX XXXX XXXX XXXX ( see attached ). In XXXX, I requested a permanent modification through the investors " XXXX XXXX XXXX. '' The interest only would start at 3 % for 2 years and 3.5 % for 3 yrs. After the 3 years, PRINCIPLE AND INTEREST would be added to my monthly payments. I attempted to resolve this issue BEFORE THE 3.5 % would start in XXXX and in XXXX and thereafter the MODIFICATION would revert back to the ORIGINAL LOAN AGREEMENT. I was somewhat successful, I received a letter from XXXX XXXXXXXX XXXX date XX/XX/XXXX stating that " YOUR RATE AND PAYMENT IS SCHEDULED TO REMAIN THE SAME UNTIL THE FINAL PAYMENT DATE, WHICH IS YOUR MTURITY DATE ON XX/XX/XXXX. '' Because I was not given the correct information, I filed a complaint with XXXX XXXX XXXX and the Consumer Financial Protection Bureau ( original letters attached ). I received the modification in XX/XX/XXXX ( documents attached ). The XXXX modification was an addendum to the XXXX modification because the XXXX modification did not state that the modification was for the life of the loan, it only stated that it would be an interest only modification for 5 years and thereafter I would have to start paying principle and interest. That is the reason I contacted the Consumer Financial Protection Bureau and the XXXX office for help. During my contact with these offices I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that my loan will remain the same until the life of the loan. In XX/XX/XXXX, Bank XXXX XXXX acct # XXXX sold my loan to Select Portfolio Servicing acct # XXXX, they forwarded the most recent modification documents but LEFT OUT THE IMPORTANT LETTER THAT STATES 3.5 % until the life of the loan ends in XX/XX/XXXX. I am very disappointed as I continue to get the " runaround '' or misinterpreting of documents from these banks. I spoke to Select Portfolio Servicing several times and they reassured me that they would honor the Modification. On XX/XX/XXXX, I received a letter ( attached ) informing me that the interest rate would be going up to 4.25 % which would make my payments go up from interest only {$770.00} ( I always send more ) to interest and principle {$1600.00} starting XX/XX/XXXX. I have spoken to them but no one has answers. Furthermore, they will not honor the letter from XXXX XXXX XXXX as it has a date of XX/XX/XXXX and the most recent modification is dated XXXX and the same verbiage as the XXXX modification. Thank You XXXX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-30

Cedar Rapids, IA

Trouble during payment process

Mortgage: Other type of mortgage

Company Response: Closed with explanation

Timely Response

2018-06-30

CA

Struggling to pay mortgage

Mortgage: FHA mortgage

Complaint: On XX/XX/XXXX I refinanced my home with XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX since then the loan was transferred to XXXX XXXXXXXX XXXX until XXXX of XXXX which it was then transferred to Select Portfolio Servicing, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In XXXX of XXXX I received documents from SPS which referenced a deferred Principal amount of {$16000.00}. I inquired twice about this information only to receive a document that didn't reference the issue at all. I have never been informed of any " deferred principal '' or of any documents that I have signed. I am currently in the process of Filing a Bankruptcy Chapter XXXX to protect my home as it is my primary residence and this " deferred principal '' is causing additionally financial hardships. I believe this issue to fall under the umbrella of predatory lending practices and am requesting that it be investigated. Thank you,
Company Response: Closed with explanation

Timely Response

2018-06-29

Kansas City, MO

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Company Response: Closed with explanation

Timely Response

2018-06-29

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Public record information inaccurate
Company Response: Closed with explanation

Timely Response

2018-06-29

Canoga Park, CA

Communication tactics

Debt collection: Mortgage debt

You told them to stop contacting you, but they keep trying
Company Response: Closed with explanation

Timely Response

2018-06-29

Foothill Ranch, CA

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

Timely Response

2018-06-29

Alta, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I am having major problems with the mortgage company SPS. they have stolen my XX/XX/XXXX Mortgage payment. I have proof that SPS Mortgage company cashed my payment on XX/XX/XXXX and they are refusing to credit my and are charging me interest on that missed payment. 2. they have disclosed personal information and have invaded my privacy by discussing my mortgage with my insurance company, when I specifically told them in writing only discuss the insurance payment release only, I have proof of that I received a voice message from my insurance agent that SPS said I have filed bankrupty and that why the delay and that was none of there business to discussed my personal information. My house caught a fire XX/XX/XXXX and they are holding the balance of my funds that they received from my insurance company to fix my house. SPS is creating hardship for my husband and myself who are disable, we need are money now to continue fixing our house they are holding it so they can collect interest on it as long as they can. they took two month to release the first draw, when all obligations had been met. I have made numerous calls and they refuse to let me speak to anybody other then who answers the phone. Please help me resolve this matters
Company Response: Closed with explanation

Timely Response

2018-06-28

Midlothian, VA

Closing on a mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2018-06-27

Discovery Bay, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Closed with explanation

Timely Response

2018-06-27

Frederick, MD

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-06-27

Frederick, MD

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Company Response: Closed with explanation

Timely Response

2018-06-27

Oxford, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: On XX/XX/XXXX I was threaten to sign a fraudulent mortgage loan that was a predatory loan scheme that was with deception, misleading information, deceit that was with threats, because everything a broker name XXXX promised was with misrepresentation, lies to force me to sign the fraudulent note with four fake attorneys who did conduct the threats for a XXXX the claim bank/lender. I was told my mortgage payment was to be lower than my XXXX XXXX XXXX Equity Line of Credit mortgage loan from XXXX XXXX that I have been with since XX/XX/XXXX where my Equity line loan payments was aright around {$680.00}. I was with a mortgage Equity Line Credit of {$140.00}, XXXX from XX/XX/XXXX to a XX/XX/XXXX over 18 months of this payment where the balance was approx {$140000.00} that went to a {$170000.00} with the fraudulent loan with a {$1300.00} affordable unlawful fraudulent force to pay where I was under duress and threats from fake attorneys claiming there is attorney fees and brokers fee and other debt payout to get over {$30000.00} plus added that was indeed fraud. I refused to sign but was threaten that it was too late they have already pay off XXXX XXXX and yes this sound odd but this was my first home and I was lost and knew nothing on what to do they forced me to sign and so start the fraudulent mortgage. The next part is a XXXX never got the to pick up the loan they went bankrupt so my loan that should have went back to XXXX XXXX did not because these fraudsters who already theft, steal money off my Equity line by fraudulently skimming off my Equity line of Credit in disguise of over {$30000.00} so I was left out in the mortgage pool no one funding but paying still with a fraudulent created note and mortgage where months later a servicer name Select Portfolio Servicing start sending mail fraud that I must now start paying them ( question here is who are these thieves ) when they had no bank or investor until I had to file for protection XX/XX/XXXX and in XX/XX/XXXX SPS fraudulently claim a XXXX XXXX XXXX XXXX is my claim bank when a XXXX had no lawful rights to assign and because of that they created a second mortgage on the same XXXX note fraudulently also using the same XXXX Id to pretend and continue the fraud claiming to be the first when a second mortgage can not be with the same note or XXXX identification without changing the note completely and changing the XXXX Id they kept the pretense to keep forcing me to pay because such unlawful it will and is fraud. My filing for Bankruptcy in XXXX for protection never happen I was never protected they never prove they own the note even when I was paying the Bankruptcy court the fraudulent claim of escrow shortage and still paying them forced past due escrow and unfavorable affordable mortgage with even living breath hard earn real money that was with a SPS fraudulently claims. I was paying also the claim past due that was all lies, and I had no choice from the bankruptcy court that they needed to go to jail because communication was to be with the bankruptcy court trustee and attorneys who I know find out was in the alliance a XXXX attorney firm when another attorney after all explain to me that I was being defraud. I fired that attorney on my Chapter XXXX and had no choice but to file a Chapter XXXX for further protection where my property under the protection 522 law is with and for exemption that is federal and states., It was where I was hoping that the Court will request all endorsement for note ownership only to be left alone no one cared because today bankruptcy courts are all in this alliance so I was still left with the unlawful forced to pay even after Bankruptcy Discharge of mortgage where the note if no real bank, or investor if there was a fraudulent second note to impaired the first all transaction is VOID, INVALID. I was only to be told the amount of discharge mortgage went up when if anything else this was to be a negotiable discharge for Fair Market deductions and all bankruptcy computerization calculations where with no collateral or equity left to pay the frauds all is VOID. But I am to pay the same fraudulent discharge mortgage with no help whatsoever from law keepers and a note that is indeed void and frauds that never got caught and today the court and title office is with alliances, government officials and all court in fear of breaking the alliances will not help, so I am left with paying money laundering to a fake bank/lender for now over 11 years still fighting the courts from the lower court to the federal courts to now hoping the Supreme Court of Georgia see this is a big ponzi scheme to defraud home owners, the real banks, the government and defraud the United States. I am in a world pool that is I am being defraud, a XXXX XXXX XXXX XXXX with the use of fake servicers SPS a XXXX Superior Court tile office, Judges, attorneys, Sheriffs, Polices, insurance agents, title tax appraisals agents, maybe the FBI, just about all law keepers today is with this alliance to not have anyone expose this huge ciaos of economy destruction mortgage fraud scheme and I am a victim of this fraud in the United States and someone has to put a stop I am a single mother who is with this getting dismiss from every court not wanting to help me, and today I am paying as a tenant in my own home where there is wrongful filing for foreclosure a fake XXXX XXXX with fraudulent amounts and no matter what documents I submit as proof an attorney comes to court with fake, misleading and their assign judge in the alliance to play the game of befriends unlawful cover-up scheme to defraud me even threaten me to be put in jail for 10 days taking too much of the cover-up in a XXXX Magistrate fake court room malicious intentions performances in front of XXXX of my children witness me being threaten that I did not prove the property is mine when my name is at the XXXX XXXX XXXX paying property tax since tax year XXXX and I still live there never abandon my property ans still paying the fraud under duress and threats, HELP! HELP!! HELP!!! HELP!!!!! this XXXX XXXX XXXX XXXX, with SPS attorneys, judges, superior title office of XXXX are FRAUDS. It is time I get some real lawful Help I am being deprived of my Constitutional rights the due process of laws are my Constitutional Law Rights. I am still unlawfully force to pay thieves, criminals, fraudsters all this alliances must stop for me the predatory lending is going on 16 years with the amount of payments made under threats through fraud and my Georgia Exemption of over {$20000.00} I have paid my home off and today still is force to pay fraud because no one wants to break the law keepers alliances of the mortgage fraud in this country cal USA. I seek justice, and hope to help others who have lost their homes through XXXX fraudulent claims, the fraudulent mortgage pool that no one is the real note holder it is then fraud. The Government is paying off the wrong people not the fake corporation it is giving back the innocents that have been abuse and violated of their Constitutional Law rights to own property without be defraud, no one have rights to remove a homeowner off any title with two notary stamp and fake deed of trust without the proper documents of who did endorse and that must be real documents not the fake claim of lost, and then recreate to show the assign judicial misconduct judges who will be with the alliance to continue fraud it is unlawful, and damages lives of the innocent who is with identity fraud for the mortgage fraud ponzi scheme. What is the Government plans I want to help this is the biggest fraud scheme that needs all law keepers to join force and rid the place of those who did form alliances to defraud the people of this country and land, defraud the court system, defraud the court, defraud the Government, defraud the United States it is all FRAUD in all areas of FRAUD, real estate contract fraud, bank loan investment fraud, claim security interest fraud, money laundering fraud, local and international fraud, documentation fraud, money exchange fraud with deception, identify theft fraud, social security fraud, department of labor fraud with the fraudulent claims of predatory lending scheme with made up income to defraud the innocent home seekers wanting a family home, fraud on the Sheriff department to issue fake warrants, fraud on the courts to be in alliances with fake judges that is assign, fraud on the court for mockery, legal abuse, wrongful use of the court is fraud on the court.
Company Response: Closed with explanation

Timely Response

2018-06-26

Lawndale, CA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

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

Timely Response

2018-06-26

Coral Gables, FL

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

2018-06-26

Greenwood, CA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have very big concerns regarding my home and Select Portfolio Servicing. They have placed my home on a foreclosure sale and has not yet removed the sale due to my loan modification in review. SPS has all my loan modification documents needed for a review they are reviewing it but still have the foreclosure sale up on the trustees site and when asked Select Portfolio Servicing they say its still active. How if im in review they still have the sale up. Im really worried about them selling my home. They have been jumping me around for a very long time now with my loan modification. I can not get a loan modification without them threatening me with a foreclosure sale date. I still to this day can not get a loan modification they always denying my loan modification. Please help me with this I have sale on my home XX/XX/2018 I am out of options I do not know what else to do for them to stop the sale and give me a loan modification. Please help me please I need someone to talk to about this. They are violating my Home Owner Bill of Rights and I need the sale stopped imminently for my modification to go through. This is way too long over two years now and I can not get an offer. Im ready to pay my mortgage but need help setting up and receiving a loan modification.
Company Response: Closed with explanation

Timely Response

2018-06-26

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am complaining about SPS telling XXXX XXXX XXXX XXXX to take my money and forcing me to do a short sale on my house. SPS has called me and set me threatening letters trying to force me to short sale and relocate. They started on a recorded line that they would look at my loan modification.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2018-06-26

Bellaire, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/XXXX Ref : SP Servicing ( SPS ) Account # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Dear Sir or Madam ; There are several main reasons for my personal hardship, with special emphasis on numbers 4-8 : 1. I was unemployed from XX/XX/XXXX until XX/XX/XXXX. I received unemployment compensation during that time, lived on my saving and still managed to pay the mortgages. 2. The tenants for the property lease expired XX/XX/XXXX and I could not find a tenant after XX/XX/XXXX, after school started. School started early in XX/XX/XXXX, by XX/XX/XXXX. 3. I suffered damage to my personal home from Hurricane Harvey. FEMA did not pay and they referred me to the XXXX, who denied me a loan. 4. I was granted a Hurricane Harvey Waiver through the XXXX ( XXXX ) HHW Program in XX/XX/XXXX, where 4 months of payment would be added to the end of the loan, and regular payment were to start XX/XX/XXXX. I made the XX/XX/XXXX payment early in XX/XX/XXXX. 5. XXXX sold my loan to SPS and did not send over all my files, especially those documenting the XXXX HHW program. 6. Without my knowledge, consent or discussing it with me prior to SPS taking other action, SPS put me into another program without discussing my options or attempting to locate the missing HHW program from XXXX. The SPS arrangement raised the payment from approximately {$2700.00} to {$3800.00} a month, which I can not afford. Now I am force to either sell the property or go into foreclosure. 7. When I tried to make the payment for XX/XX/XXXX, when SPS told me they did not have a signed XXXX HHW documents for me for the program nor an electronic copy. SPS claims they have no knowledge or paperwork related to the program and claim they have all related XXXX documents on my account. After having several conversations regarding this matter with them, the SPS representative stated they received all XXXX records in XX/XX/XXXX. Thats when it became clear to me XXXX did not relinquished all required files for me to SPS, or SPS loss key private documents in transits which violated the data privacy laws. 8. Also, effective XX/XX/XXXX, the GDPR is in effect for European countries or US companies doing business globally, which XXXX fall into that category, probably SPS as well. Violating that law required mandatory data breach notification within 72 hours ( which I have not received ) and steep fines of up to 4 % of global revenues. I am formally requesting you contact XXXX for the approved Hurricane Harvey Waiver Program documents and honor them. I feel I am forced into this situation because both your organizations dropped the ball in completely transferring my files over, as required. SPS is forcing me to sell my house. If I were allowed to go through the CM-HHW program, with them placing the four months ( XX/XX/XXXX through XX/XX/XXXX ) at the end of the loan, I owe approximately {$10000.00} not {$24000.00}. Finally, I am only behind the {$10000.00} because SPS refused to take a normal payment of {$2700.00}. Thank you for your consideration. XXXX XXXX XXXX XXXX, TX XXXX
Company Response: Closed with explanation

Timely Response

2018-06-26

Belmont, NC

Trouble during payment process

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

2018-06-25

Hollywood, FL

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