SELECT PORTFOLIO SERVICING, INC

2017-11-30

Arden Hills, MN

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

2017-11-29

Lewisville, TX

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: The following are a list of errors being asserted and requests for additional information covered by Regulation X, 12 C.F.R. : 1. Failure to provide an accurate payoff statement in violation of 1026.36 ( c ) ( 3 ). I received a Notice of Reposting and Sale notice from XXXX XXXX XXXX XXXX XXXX, XXXX. ( Exhibit A ) to foreclose on my house on XX/XX/XXXX. I have requested an accurate payoff amount which they have not provided. A Debt Collector in the state of Texas must validate the debt and 5 days prior to a foreclosure they are not able to provide anything. 2. To date Select Portfolio Servicing ( SPS ) has not provided the historical records from the two previous loan servicers, XXXX and XXXX XXXX XXXX, to support alleged interest owed by me. Again, a current payoff statement has not been provided and a foreclosure is scheduled for XX/XX/XXXX. 3. The principal amount owed on my note increased by {$7600.00} according to records provided by SPS to the CFPB in previous complaints ( Exhibit B ). SPS has not provided an explanation nor any documentation as to why the principal balance of the note increased by {$7600.00}
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-29

Atlanta Naval Air Station, GA

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

2017-11-29

Allentown, PA

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

2017-11-29

Philadelphia, PA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: This mechanism has been designed to inform you that I XXXX XXXX XXXX resides at XXXX XXXX XXXX XXXX, XXXX.Pa XXXX. I have been struggling since the XXXX XXXX which took place during the XX/XX/XXXX-XX/XX/XXXX. My mortgage was transferred through the XX/XX/XXXX. It went from XXXX XX/XX/XXXXto XXXX XXXX to XXXX XXXX XXXX. I also know that XX/XX/XXXX was a fraud, and I also know that XXXX XXXX was in a lot of trouble for this. My mortgage has been passed through a dangerous system. No one can tell me who owns my mortgage as of this day. If you could look into this matter it would be greatly appreciated.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-29

Halyoke, MA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: We are working on a short sale of the home. SPS has told us numerous times by telephone and in writing that they would have a response to us on or before XXXX XXXX, XXXX. To date, they have not responded, and sent a later letter that they claim was dated XXXX XXXX, XXXX, giving them an additional fifteen ( 15 ) " business days '' to respond, however, nobody has received that letter - though SPS sends several collection letters to the borrower 's house each day.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-29

Walden, NY

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

2017-11-28

Gr, MI

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My husband was hospitalized on XXXX/XXXX/XXXX due to some complication of his XXXX and he passed away on XXXX/XXXX/XXXX. I fell behind with my mortgage with SPS. I contacted XXXX XXXX XXXX of XXXX XXXX to meet with a housing counselor. I met with XXXX XXXX who is one their housing counselors. He helped filled out a lost mitigation application so that SPS may consider me for a loan modification. The first completed application was sent to SPS through the XXXX XXXX XXXX on XXXX/XXXX/XXXX. The application was declined because the system had pre-filled my information and only included the last 4 digits of my social security. XXXX XXXX sent a message to XXXX saying that the social security was not acceptable with only the last 4 digits and that the XXXX that was submitted was outdated. XXXX emailed XXXX XXXX asking for a copy of the new XXXX since the one that submitted was the one that was provide by the XXXX XXXX XXXX. XXXX XXXX did not respond to XXXX 's request. I called SPS and spoke to a gentleman whose name I do n't remember. He stated that there is no need for me to work with a third party and that I could do everything on my own online through SPS. I explained to him that I 'm not too familiar with technology and that I have work with XXXX XXXX XXXX in the past. The gentlemen was rude and was pushing for me to no work with a housing counselor. XXXX called me and we added the entire social security to the application and resubmitted the same application on XXXX/XXXX/XXXX with the social security number corrected. XXXX XXXX emailed XXXX again and said that the application was completed but was rejected because the XXXX was outdated. XXXX once again email him asking for a copy of the most recent XXXX since the XXXX XXXX XXXX did not provide it. XXXX XXXX once again did not reply to that request. I received a letter from SPS on the week of XXXX/XXXX/XXXX which included SPS XXXX. I brought it to XXXX. SPS XXXX does not require a social security number so I do n't understand why it was rejected when only the last 4 digits of my social security were provided on the initial application. I have attached a copy of the XXXX provided by the XXXX XXXX XXXX which was outdated according to SPS and the new XXXX which is pretty much the same as the outdated. XXXX XXXX email XXXX XXXX/XXXX/XXXX stating that I was approved for a trial period. My mortgage payment prior to falling behind was {$620.00}. The new payment will be {$780.00}. XXXX wanted to the breakdown of this payment to find out why my payment went up by more than {$150.00}. He contacted SPS and spoke to XXXX XXXX. She stated that there was no third party authorization on my account and could not give him any information. XXXX stated that he just got an email from XXXX XXXX stating that a trial modification was approved and that a third party authorization was on file. He asked to please look for the third party authorization and told him she could n't because he was n't authorized. He asked to speak to XXXX XXXX and XXXX stated that she could not give him any agent 's contact because he was not authorized. I am frustrated with the way SPS has been treating me and XXXX. Giving an agent 's number has nothing to do with my personal information. XXXX XXXX does not respond to emails and has not provided his direct phone number. Why is it that when I call SPS I am told that I should n't be working with a housing counselor that provides free services? I have been dealing with the passing of my husband and I am trying to be active to not loose my house. I have complied with everything SPS has requested. I am doing my best to adapt living without my husband and his income. I am asking SPS to authorized XXXX XXXX 's as a third party on my account. I am also asking them to review my information again because I do n't understand why my mortgage payment went up after I showed SPS that I am no longer receiving my husband income. I am asking SPS to respond to us in a timely manner. Thank you.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-28

Austin, TX

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

2017-11-28

Deer Park, TX

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

2017-11-28

Christiana, DE

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

2017-11-28

Fort Washington, MD

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

2017-11-28

Vista, 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

2017-11-28

Fort Washington, MD

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

2017-11-28

Ridley Park, PA

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

2017-11-28

Los Indios, TX

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Since XXXX XXXX, 2017 I started submitting all requirements for Loan Modification to Select Portfolio Servicing Inc, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. The modification department of Select Portfolio Servicing Inc. is working on a modification for us. I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated Select Portfolio Servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with Select Portfolio Servicing Inc. requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. Select Portfolio Servicing Inc. have not dealt to me in good faith until this moment.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-28

Spanish Spgs, NV

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

2017-11-28

Atl, GA

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Untimely Response

2017-11-27

Atl, GA

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

Timely Response

2017-11-27

Columbus, GA

Applying for a mortgage or refinancing an existing mortgage

Mortgage: VA mortgage

Complaint: In XXXX of this year ( 2017 ) my husband apply to Refinance our mortgage through XXXX ; XXXX XXXX XXXX XXXX. We gave all pertinent information and were given an initial rate. The rate lock has so many days to finalize all paperwork, or we would have to request another rate lock extension. We have and XXXX have requested a subordination agreement requirements from XXXX. XXXX has not made any effort to release the requested information. I have spoken with 5-10 different individuals without any one being able to verbalize the request. I have been unable to speak with the same person on any conversations I have spoken with XXXX. When I finally was assured this was going to be taken care of the processor from XXXX was made to submit the identical information so many times that my husband and I will have to start paying points for any further rate extensions. I have sent information by fax to then be asked for information that only XXXX can give. I have sent all documentation requested over and over again to XXXX as they are being asked by XXXX for the same information. But when the processor submits what they requested to comply, they are being told that the paperwork is incorrect. I have given the processor on 3 occasions permission to speak directly with XXXX to finalize all necessary paperwork to no avail.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-27

Atlanta, GA

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Seized or attempted to seize your property
Complaint: Please treat this complaint as a NOTICE OF ERROR under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ). On XX/XX/XXXX, a non-judicial Foreclosure is scheduled to take place. Your Company served us with a NOTICE OF SALE UNDER POWER in XXXX County Georgia. However, the required notice is invalid and can not be used for foreclosure in the state of Georgia. Specifically, the notice has been served upon us, the property owners and published to the world but is inaccurate and incorrect. Please be advised that XXXX XXXX and Its foreclosing law firm, XXXX XXXX XXXX. has erroneously PUBLISHED THE PROPERTY LEGAL ADDRESS AS XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX -- -- HOWEVER, AS OF THE DATE OF THE SERVICE AND PUBLISHING OF THE NOTICE ON XX/XX/XXXX THE CORRECT LEGAL ADDRESS OF OUR PROPERTY WAS AND IS XXXX XXXX XXXX COURT, CITY OF XXXX XXXX, GEORGIA, XXXX. ( See EXHIBIT-4A as proof ) As of XX/XX/XXXX the legal notice has already published for three week under an false and erroneous representation. Although SPS Inc., Its Client or Representatives hold no security interest in our property, and is not a secured credit under Georgia law, nonetheless, in order for the company to be in compliance with the Georgia non-judicial foreclosure statute they must cancel the current foreclosure notice. Furthermore, we request that you answer the following question? Was loan No. : XXXX, previous number XXXX originated in lawful compliance with all federal and state laws, regulations including, but not limited to RESPA, TILA and FDCPA.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-27

South Florida, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: We were trying to make a payment and catch up on missed payments to XXXX XXXX XXXX, and they refused to accept payment, claiming they were working on a modification. We then faxed numerous amounts of documented data, which they then proceed to " claim '' there was no received faxes. They then came through with an unaffordable payment plan the following 2 months. This all took place during the end of XX/XX/XXXX and the plan was given to us in XX/XX/XXXX, we then proceeded to let the law group help us to deal with this company.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-24

N Valley Stream, NY

Struggling to pay mortgage

Mortgage: Conventional home mortgage

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

Untimely Response

2017-11-23

NY

Struggling to pay mortgage

Mortgage: Other type of mortgage

Complaint: Bought my 2nd home since XX/XX/XXXX with two lines of loan, and was promised I can modify within few years. Paid my mortgage monthly for almost 5-6yrs. In XX/XX/XXXX I decided to modify the loan, but has been very very difficult to get any successful answer. The servicing company totally refused to assist. I have been filing papers upon papers. Okey, I decided to try short sale since they bank/servicing company totally refused modifying and reducing of the interest rate. Tried short selling through an agent in Delaware who helped in finding a buyer, submitted all necessary documents and did a down payment. They denied not receiving necessary documents and decided requesting documents and documents. The frustrating part of it was I never a time i had a steady contact. Finally they refused accepting the documents and refused to accept the offer. Before I know it the loan was sold or transfer to another servicing/financial company with another financial company. The annoying part is that severally calls will be coming from Utah, and when I do answer, no one on the other end. This is very very frustrating. About a I called the company someone did answer and told me my document is still incomplete. In reply, I made him to understand that I am no longer interested, I need my house back and will want to resume paying my mortgage.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Timely Response

2017-11-22

Plattekill, NY

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