SELECT PORTFOLIO SERVICING, INC

2019-09-28

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

Timely Response

2019-09-28

Brockton, MA

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

2019-09-28

Boise, ID

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: I am asking for a certified copy of the lien that was to be filed with the idaho Secretary of the state in XXXX of 2004 by XXXX XXXX XXXX on behalf of XXXX XXXX. It you can not provide it then you have no interest in my property. It would have been in you file as transfered from XXXX XXXX XXXX to sps Your answer of our record show we complied. Is not answer. do you have it? And was it filed?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-28

Flor, MO

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-28

Brockton, MA

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

2019-09-27

Cheverly, MD

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I refinanced my mortgage via an MHA modification in XXXX, making all my trial plan payments on time. The original lender was XXXX XXXX XXXX. I never missed a payment. In XX/XX/XXXX, I was laid off and my wife and I fell behind on our payments in XXXX of XXXX. Select Portfolio Servicing requested paperwork to attempt a modification which we provided and the servicer almost immediately declined the modification in XX/XX/XXXX, claiming that it could no longer be modified. Because it was modified previously in XXXX, a loan that SPS did not originate. I was able to get back to work and resume making payments in XXXX of XXXX, but I could only make one payment a month. In XX/XX/XXXX, my wife left me and filed for divorce, taking my son with her. Now I am faced with foreclosure. My wife and I made over 84 straight payments, I lost my job for 6 months, we missed 4 payments and now I can lose my house. SPS strategically and unethically denied my modification request and did not offer forebearance or any other method where I could have kept my home.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-26

NJ

Incorrect information on your report

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

Information is missing that should be on the report
Complaint: My mortgage has been sold three times over the past 3 years, and in each instance the mortgage holder refuses to report my monthly payments have been paid on time. As a result I have no FICO score which prevents me from securing home improvement, automobile or major appliance purchases. My current mortgage holder is Select Portfolio Services and all they do is give me a runaround regarding this issue. I feel that it is be done deliberately since the interest rate is at 6.25 % and not having a FICO score also prevents me from refinancing at a lower rate. It is my belief they are holding me hostage and preventing me from finding a better rate with a local bank. Finally, it must also be noted that I have no outstanding student loans, I possess no credit cards or credit card debt, no automobile loans or any other personal loans or financial obligations whatsoever!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-26

Daytona Beach, FL

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: COMPLAINT ID XXXXmortgage fraud can be committed by both intentionally falsifying information on a mortgage fraud Complaint SPS Select Portfolio Servicing, Inc.Reproduction of closed accounts, without permissionnity Theft, Mortgage Fraud and Data Breach Fraud accounts are violated the FCCPA by claiming and attempting, through both dates was false or misleading, SPS Select Portfolio Servicing, Inc.Reproduction of closed accounts, without permission Dishonest/Deceptive .dispute with them which will go nowhere. Practice claiming to have had this mortgage statements since XX/XX/XXXX. Violated the FCCPA by claiming this attempted to collect payments. Documentation proof defenses should be an affirmative defense, not as an affirmative action under the FDCPA or the FCCPAmonthly mortgage statements, to collect through Disputed illegal account activity. SPS Select Portfolio Servicing , Inc. defrauding Mortgage Fraud and reporting real estate to 3 main credit bureaus XXXX XXXX Cancellation. -- Whenever the amount of money due on any mortgage shall be fully paid, the mortgagee or assignee shall within 60 days thereafter cancel the same in the manner provided by law. Response XXXX and XXXX. Inproper verification XXXX XXXX, XXXX {$100.00}, XXXX Defrauding Florida Laws violated state law and XXXX XXXX. An allege mortgage violated of sending debt collection letters that violate federal law, violation of the Florida Consumer Collection Practices Act, Florida Statute 559.55-.785 ( FCCPA ) by a violation of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e ( 2 ) ( A ) and 1692e ( 5 ) 91 ( FDCPA ) by SPS`a violation of the FDCPA. Forged signatures, legal right when MIN:XXXX Note Date:XX/XX/XXXX MIN Status : Inactive Servicer : XXXX XXXX , XXXX . Phone : ( XXXX ) XXXX XXXX, VA misleading statements. such person knows that the right does not exist. Listing inconsistent dates, demanding funds, money to be wired to a payoff dept. routing/ABA # XXXX acct # XXXX for credit to XXXX Cancellation of mortgages, liens, and judgments. -- ( 1 ) Within 14 days after receipt of the written request of a mortgagor, the holder of a mortgage shall deliver to the mortgagor at a place designated in the written request an estoppel letter setting forth the unpaid principal balance, interest due, and the per diem rate. Whenever the amount of money due on any mortgage, lien, or judgment shall be fully paid to the person or party entitled to the payment thereof, the mortgagee, creditor, or assignee, or the attorney of record in the case of a judgment, to whom such payment shall have been made, shall execute in writing an instrument acknowledging satisfaction of said mortgage, lien, or judgment and have the same acknowledged, or proven, and duly entered of record in the book provided by law for such purposes in the proper county. Within 60 days of the date of receipt of the full payment of the mortgage, lien, or judgment, the person required to acknowledge satisfaction of the mortgage, lien, or judgment shall send or cause to be sent the recorded satisfaction to the person who has made the full payment. In the case of a civil action arising out of the provisions of this section, the prevailing party shall be entitled to attorney 's fees and costs.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-26

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I am writing this complaint because XXXX XXXX has denied my loan modification when I proved that I qualify. The denial is illegal. The Supreme Court has reversed several foreclosures against XXXX XXXX, acting as trustees for investors. They couldnt prove they actually owned the mortgages. Judge XXXX XXXX XXXX excoriated XXXX XXXX for their utter carelessness. I want SPS to stop the XX/XX/2019 sale date. XXXX XXXX must give me a loan modification or stop the XXXX XXXX sale date. What SPS and XXXX XXXX is doing is illegal.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-26

Lewisville, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: spoke with select portfolio services rep XXXX on XX/XX/XXXX who put me on a payment plan and told me I would not be reported late to my credit. if I had known I would be reported late I would have made a payment immediately. I asked select portfolio to investigate spoke with supervisor XXXX and they have refused to remove the late payment from my credit. I am left with no choice but to seek address from cfpb.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-26

Oxford, GA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened to sue you for very old debt
Complaint: Mortgage Loan Number : XXXX I am demanding information described below in regard to the debt being collected on my property at XXXX XXXX XXXX XXXX in XXXX Ga. My last payment on the loan, according to their records, was on XX/XX/XXXX. In all their correspondence to me they describe the company as a debt collector collecting a debt. The Statute of limitations in the State of Georgia, where my property is located, is 4 years on collection of a debt. this collection of my debt has gone over the four year limit as of XX/XX/XXXX. Select Portfolio Servicing is in violation of the Statute of Limitations to collect a debt according to Georgia State SOL Laws. I demand that the foreclosure scheduled for XX/XX/XXXX on my Property at XXXX XXXX XXXX XXXX be postponed until they can prove they are not in violation of these Statute of limitation laws of Georgia. I request a detailed account of Select Portfolios reasoning that they are not in violation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-25

Atl, GA

Problem with a credit reporting company's investigation into an existing problem

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

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-25

Fayetteville, GA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case. I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX XXXX XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a XXXX XXXX XXXX situation. I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-25

Oxford, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: In XXXX I filed a complaint with CFPB ( XXXX ). The reply from SPS referenced 3 loan modifications between XXXX and XXXX with accrued Interest exceeding {$310000.00}. When I asked why this was not included in my mortgage interest, I was told it would not be reported until the mortgage was paid. The mortgage was paid in full in XXXX including the ridiculous accrued interest Charges. Now they tell me it was not actually interest. The computer I had the response saved on was stolen about 3 years ago, and I do not have a copy of their reply to you. Can I get a copy?
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-24

Ashburn Park, IL

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

2019-09-24

Tucson, 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

Timely Response

2019-09-24

Huntingtn Bch, 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

2019-09-24

Atlanta Naval Air Station, GA

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

2019-09-24

Oxford, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: I have filed a precious complaint against Select Portfolio describing the misinformation I was given during a modification process. I had submitted a dispute to Select Portfolio as well as CFPB to try and work out another modification plan. There is a foreclosure date set on my house for XX/XX/2019 less than one week away from now. I have called Select Portfolio Representative this morning XX/XX/2019 and was told that the foreclosure was put on hold and that they were yet to set a new foreclosure date. I was also told by a select portfolio representative, on a phone call made on Friday the XX/XX/XXXX, that the foreclosure date would be postponed so that they may respond to my dispute. Today I called the Ombudsman office and was told that the foreclosure date was not put on hold and that it would still be happening on XX/XX/XXXX even though less than one week away from the foreclosure date I have not received a response to my dispute on the modification. I dispute this foreclosure date due to the fact that Select Portfolio has yet again given me nothing but misinformation. You talk to five different people there you get five different answers. That is very unfair to my situation. When asked if there is anybody I can speak to directly in their legal department I am told that is not possible. I beleive they are more concerned with foreclosing on the property that actually working something out and that is not fair.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX : BANKRUPTCY XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX PSA ACE XXXX XXXX Home Equity Loan Trust, XXXX XXXX Asset-Backed Pass-ThroughCertificates XXXX XXXX NOTICE OF VERIFICATION DEBT I am writing this letter is directed to XXXX XXXX XXXX XXXX to validate the Debt, in connection of the Proof of Claim filed on regard XXXX XXXX Home Loans XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Trust, ACE XXXX dated XX/XX/2019, for the value of {$360.00}, XXXX. In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ). I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you. Please provide me with the following : 1. Agreement with the original creditor that authorize you to collect on this alleged debt. 2. Identify the Original Creditor and address 3. The agreement bearing my signature stating that I have agreed to assume the debt. 4. Release correct copy of all XXXX, transfers and receipts from origination to the party alleging to be the creditor in this action, including the full contents of the Master Custodian File held by the Master Custodian of the Trust. 5. Valid copy of the debt agreement stating the amount of the debt and interest charges 6. Proof that the statute of Limitation has not expired. 7. Complete payment history on this account along with an accounting of all additional charge being assessed. 8. Commission for debt collector if collection efforts are successful. 9. Any Judgments obtained by any creditor regarding this account. 10. Show me that you are licensed to collect in my state ; and 11. Your license numbers and registered Agent. If you Office fail to reply to this debt validation letter within 30 day from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased. Your non-compliance with my request will also be constructed as an absolute waiver of all claims to enforce the debt against me, or my property, and implied agreement to compensate me for court costs and attorney fees if I am force to bring this matter before a judge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2019-09-23

Hillsdale, 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

Timely Response

2019-09-23

Echelon, NJ

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

2019-09-21

Shreveport, LA

Trouble during payment process

Mortgage: FHA mortgage

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

Timely Response

2019-09-21

Black Jack, MO

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

2019-09-21

Tampa, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We got behind on our mortgage, due to refinancing and taking equity out as we was part of the housing crash back in XX/XX/XXXX-XX/XX/XXXX. as we proceeded to get some help. Select Portfolio came along and told us they can help with saving our home and that they work for the government.We asked them how much it was going to cost us, they said nothing they can lower our cost. We went through the NCNA program to obtain this lender. As we begin to try and pay down our mortgage we notice that, their was another mortgage attach on our current but when we look at the current mortgage it does not show t second mortgage which is a balloon payment. They have pretty much placed us in a worst situation than we were. They did not forgive they loan at all when we started over. I do not think that is how the government would have handled it if they so-called work with the government. We have try all resources that we know of to get out of the situation. Don't know what else to do.These companies hid behind third parties and we do not know who own the loan considering we make payment to Select Portfolio and we find out we are STILL with XXXX XXXX XXXX who gave us out first refinance and they mess us over w are still shock we're with XXXX XXXX XXXX again. Then we come to find out XXXX XXXX own XXXX XXXX and we were not trying to get involve with neither one of these financial institute. It's just wrong and such a mess before our mess. Now that we get more into the contract. It looks like when we refinanced to take equity out with XXXX XXXX and we got behind in out mortgage. XXXX XXXX cam at use again but hiding behind the name of Select Portfolio Servicing. We were thinking we had done stop doing business with XXXX XXXX but we are still with them. We did not know what Select Portfolio is, so we though we was no longer with XXXX XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response