Within the 2020 a knockout post, the newest CFPB received 1054 issues against SPS. SPS ranked Amount thirty-six certainly the economic people for the most issues.
Letter from SPS dated XX/XX/XXXX, states … My payment currently is 3 % <>. New payment is 4 % <>effective XX/XX/XXXX and scheduled to go up XX/XX/XXXX, and again to increased to 4.125 % and is effective again on XX/XX/XXXX and scheduled increase again XX/XX/XXXX to <>. I had applied for a loan mod back in XX/XX/XXXX, with no results. SPS wasn’t clear with their requests each time they asked for additional info and I was returning info on XXXX paperwork, but later several months, found they wanted the info on their paperwork, even though info almost same, just not on their paperwork, so in the end my paperwork was thrown out. I had to start all over and this took me about a month to mentally wrap my head around the chore I had to do AGAIN, but after calming down and receiving their forms. I reapplied in XX/XX/XXXX, a few questions about my paperwork again, they seem to question my paycheck status, they question why was I missing paychecks, I explained I only worked two days in first quarter of this year and I highlighted the info describing that, like year to date # ‘s. Then they said I wasn’t reporting workman ‘s comp checks. I explained, I am not reporting because I am not receiving, they found that odd for me not to be collecting. I explained I only work one day a week and I don’t qualify, I only work one day a week because I am a full time mother to my XXXX year old with XXXX, trying to transition him into adulthood since the school district did not. Another reason I need help with my loan mod, because he has cost me $ XXXX recently for XXXX assessment and <>for XXXX XXXX XXXX remapping to help him deal with real world. Finally it was in underwriting and they questioned that again. Finally, I find it is in its 30 day time frame starting XX/XX/XXXX, I received a resolution on XX/XX/XXXX explaining they were ount they showed as income was <>= ,000,000>, when in reality it is <>, because I am not working nor am I collecting unemployment, this is a discrepancy, I called XXXX and they suggested I reach out to you.
Issue Details:
Full Ailment:The loan providers does not want to send me personally my comments for the a prompt trend. I didn’t discovered my personal statement up to 5 days prior to my personal percentage is born.
Problem Information:
Full Complaint:From the first date, I have always included a partial pre-payment of my principle. When the COVID-19 Pandemic shut down XXXX Florida, I called Select Portfolio Servicing and asked them two questions ; 1 ) would they lower the variable interest rate, which they increased last year, 2 ) what options do I have if I have a problem making the payments Today, I received my statement. The pre-payment of <0.00>was unapplied, even though the mortgage coupon was clearly marked for partial pre-payment. Rather than following their customer ‘s wishes, they continue to charge interest charges for the <0.00>( and future ) pre-payments. At XXXX XXXX, I called, I was informed that I was enrolled in their ” forbearance ” program and they told me that I could not withdraw from it. This is Forced Compliance of a Condition that was never agreed to.
Problem Details:
Complete Complaint:Within my bankruptcy last year my personal financial obligation was never ever reaffirmed of the my lender on my home loan because of the my personal bank XXXX XXXX whom upcoming transferred it financing so you’re able to SPS Servicing using this type of action not one of my fee record are become recorded on my family mortgage over the past eight years very loan providers try not to also accept me since it doesnt reveal that I actually keeps a home mortgage Therefore it has got managed to make it hopeless personally to re-finance or score a different type of mortgage that have a reduced notice rates aside from one thats getting provided with my personal maintenance organization today hence i am during the in a position to access my collateral it has been taking place for many years
Company impulse:
Our team accessed this ailment on the personal archives of your User Financial Safety Bureau (CFPB). You can file their problem to the CFPB here.
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