Select Portfolio Servicing
About Select Portfolio Servicing
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Select Portfolio Servicing Reviews
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I purchased a commercial property under a LLC in January and it was not reported on my credit report. Then Select Portfolio Servicing began servicing the loan and started reporting it under my personal credit report. I have filed disputes with the credit reporting agencies and tried to contact them. They will not respond to me and insist to credit bureaus that it is a personal loan. I have given documentation of the ownership and the mortgage. I also have reported to the CFPB as well. I believe the next issue will be that they report inaccurate payment information.
I called them multiple times to request escrow analysis. After 2 months, somebody finally decided to talk. Very rude people. Very ignorant management. Select Portfolio Servicing is the worst company I have ever dealt with. AVOID, AVOID, AVOID...
I have reached out to SPS many time about my mortgage statement-1st I never received it by mail until 2 days before due-mail date postmark 25 and I am in California-set up for e-mail for payment due by the 15th. Today is the 21st. Has yet to be posted. I was a Chase customer. This company is the WORST lenders I have ever dealt with in the last 40years!
I wrote multiple letters to request an extension of my loan due to financial hardship. The response was to take advantage of the misfortune and SPS proposed a Ballon payment which of course was very beneficial for the bank but not for us. Considering to file a lawsuit against this unscrupulous company.
January 19, 2022. I made an additional payment on my mortgage and indicated where I wanted it applied. It wasn’t applied correctly so I called Jan 26, talked to Gabriella and was told it would be corrected in 3-5 days. It wasn’t done. March 30 called and spoke to Phil and he said he would escalate to his supervisor and I would receive a call within 3 days. No call. April 5 talked to David at ext **, he escalated to a supervisor. Again nothing done. Called May 2, 2022 and talked to Supervisor Jamie at ext **. She said “cashier tasks” are backed up since Covid. They are currently working on November 2021 items!?! She mentioned high priority items are being addressed first. Mine doesn’t fit that bill. She said they were recently told it is taking 5 MONTHS to complete tasks!?! She said my case was open in the end of January and it should be completed by the end of May but she could not guarantee that to be the case.
I am totally dissatisfied with the customer service at Select Portfolio Servicing, Inc and wanted to write a complaint. Besides the slow completion time, the first line customer service agents are misinforming the customers on the timeliness of their work. When I went on Consumer Affairs I wasn’t shocked to see review after review of 1 star complaints about this business. VERY POOR BUSINESS PRACTICES!
Worst company ever....Take multiple payments, misplace amounts of payment, didn't pay my yearly insurance, etc...World's worst company....Avoid if possible. I can't because the mortgage company only uses these idiots.
My mortgage was sold to another bank and they use SPS to manage the account. From the get go it's been a headache. First two months of payments were misdirected and not applied to mortgage (luckily bank has a 90 day adjustment period) after numerous calls and run around it was fixed. Then three months later I get a letter saying home is in a flood zone and I need flood insurance. I'm not in a flood zone, and wasn't when the previous bank had loan. SPS insists I am, claim FEMA called them and told them I am. FEMA doesn't know I exist nor that I have a mortgage nor does FEMA call mortgage companies, total lie. I went on FEMA's flood zone website and it clearly shows zone X, I printed map and uploaded it to SPS, not good enough, they purchased flood insurance and billed me 2600.
Numerous phone calls later I reiterate I'm in zone X (which is FEMA's lowest risk) SPS rep says "we're all in some risk of flood." What a total moronic statement. I ended up getting an elevation survey of property and submitted to FEMA for an amended flood zone determination, so now I'm in flood zone X (still, it's never been anything else) the only way to get SPS to recognize I'm not in a flood zone was to pay for a survey that wasn't necessary from the beginning. It beats paying these shysters for garbage flood insurance that they tried to charge me like it was a top tier policy.
Generally you don't have control over who gets your mortgage, so if you are unlucky to get SPS be prepared to their jobs for them and get attitude thrown back in your face. All the customer service rep talk over you as they read the "script" they have over and over. SPS really stands for Shanty Pirates and Shysters. They suck! Period.
A year ago our home burnt down and was a total loss. Our mortgage had insurance coverage for the amount of principal we owed at the time $69000. After the insurance adjuster inspected the damage our home was declared a total loss. The insurance company issued a check for 69000. SPS has full control of disbursing these funds to us at their discretion. This has been a complete nightmare. The first check was issued without incident and our obligation was only to sign an affidavit being responsible to restore our property to original value or better.
The problem has been getting funds released since then. The only way we have been successful at getting more funds was being lucky when calling in and actually getting a person who would listen to us and go the extra mile to override their system and would get our issue in front of some review board and then they would release 7000 one time and 10000 the last time. There is only 10000 left and we are halted building our home. We live in Iowa, it's freezing and we have lived in a 3 season 1 bedroom RV in our driveway with our 7 year old nonverbal highly autistic son and 2 large dogs.
As you can imagine this RV gets smaller by the day and we cannot have water hooked up to it due to freezing temps. Our rebuilt home has water and brand new furnace but not liveable yet. We are at the final stages of finishing our home and SPS will not release the remainder funds until we are finished. We can't finish until they release the funds. We have depleted all other money resources we had saved over the years for retirement and such. My 64 year old partner of 20 years is a carpenter and has been for over 40 years. He has built our new home pretty much alone. Myself and a couple friends have done the best we can helping but we are not carpenters. My partner was forced to take personal unpaid time off of work to build our home and we could of been moved in before winter if SPS would of released funds.
We have made our mortgage payments on time every month for the last 6 years since we had to get HAMP modification because we will be eligible to receive a 5000 incentive for doing so. The last month of this 6 years of on time payments is next month March. We have no clue how we are going to make this last payment to get the incentive because this month we have had to use that money to keep going and to provide for our daily needs. In our RV we use a tank of propane every day to heat the RV and we keep it at 60 degrees wear triple layers of clothes and when in RV are all under heating blankets with hoodies up and this includes our autistic son who doesn't understand any of this and is absolutely miserable and keeping him calm is not only traumatic to him but to us too.
We have begged tried everything to make SPS understand that we are the builders and have rebuilt a home that according to our county is already worth 25000 more than our old home and it's unfinished. We have met our obligation completely and now SPS wants a contractor's estimate of the entire rebuild and a detailed item by item breakdown of our entire costs down to the number of screws and nails we used and need to use. So we hired someone to do this who was almost finished with the bid and got into an accident and cannot finish.
We have no funds left and nowhere to turn to get funds. We cannot even get a payday loan or small loan from anywhere cause my partner took time off of work to build our home so no one will loan us anything without income coming in and no assistance place will help cause we can't show how we will pay the bills the following month. So we are trying not to give up but what do you do in this situation. We had a home inspection and SPS changed her final report from 76% done to 0% claiming they needed the contractor's bid on our home. At the beginning they claimed they needed only the affidavit and no contractor bid. We asked more than once then and we assured they will never need that.
Lumber prices over the last year have tripled in cost and are about to increase again. No one can get as far as we have paying for labor. We have had 0 labor costs, have dipped into every fund we have saved over the last 20 years, cashed in investments and taken penalties on that just to keep going and get into our home. We need that 10000 to finish and they try pacifying us by saying the review board has not made a final decision and it only went to review when I threaten to complain wherever I could and I would be contacting a lawyer so I am following through and letting whoever know this company is grimy and horrible to deal with and I have read other complaints similar and worse than our situation with this company. BBB has over 500 complaints on SPS and 75% are similar to ours about them holding insurance claim funds. Switch mortgage companies if at all possible. SPS is greedy and unhelpful.
They have been the biggest paper wasting & non helpful mortgage company & I have had 4 other mortgage companies, Never spoke w/ same person ever, Never documented my calls. I retold entire story every other week. They just want payment! They definitely does not look out for the customer! I did packets to refi since 2011 & Moved out when I stopped paying in 2017. This destroyed my marriage! A gov based business Clarifi helped my husband who is living at home in 2018 and all the same info went thru, Couldn't afford refi. They won't foreclose. They will not do deed in lieu. No short sale. I have tried everything. They Suck!
I received a notice on 02/15/22 that the house was scheduled to be foreclosed on and auctioned off on 03/02/22. My name is on the initial loan, which was handled by a local bank, but after we divorced we had my name removed form the deed. I have no idea as to when they obtained the loan servicing, but I have received no contact from anyone about this loan since we divorced, except for this foreclosure notice. I have had the same cell number for the last 20 years.
I contacted the company several times to see what needed to be done to take it out of foreclosure. I was told I was listed as the primary loanee, Some were helpful, others were rude and raised their voice to me when I state it was interesting that there were no apparent attempts to contact me until after foreclosure was already in process.
I was told on 02/17/22 it would take $ 7,743.33 to get the property out of foreclosure. I overnighted a cashier's check for $8,000 to them which they signed for the following day. I was checking the site this morning to confirm they had received the cashier's check, and now their site has posted it will take $8,939.29 to get it out of foreclosure. Very loan sharkish, in my opinion. I cannot believe this company is still in business. Also, interest rate was almost 8% on this 15 year mortgage.
This is the worst company that that I've ever come across in terms of customer service. I have been trying to get a loan modification for seven months and I have spoken to no fewer than eighteen service reps. Each new person I speak to is absolutely clueless about the status of my loan and my modification request. There is something truly irregular going on inside the walls of Select Portfolio Servicing that should be investigated by Utah's Consumer Protection Division. Bottom Line: Stay far away from this company.
SPS bought my loan from Chase and I've had nothing but problems ever since. I live in Baltimore and there is a property leasing practice called "Ground Rent" I own the dwelling but rent the land it's built on. Every mortgage company who has had my loan paid my ground rent out of my escrow all except SPS. The first year I was able to get them to pay it, I sent previous mortgage escrow statements from Chase showing it was paid and stated to them this is paid every 6 months. So I was under the impression they paid it the following year that's until I get a collections letter from a lawyers office that my ground rent is in collections, thanks SPS.
I sent everything in and called to make sure it was paid, NOPE. The unhelpful rep wants to forward it to the HOA dept. for review which could take 30 days and no guarantee it would be paid. First it's not an HOA fee and second, it needed to be paid now. This is not the only issue I have with SPS. Every year I've had to tell them to pay my Homeowners Insurance, this also comes out of my escrow. I've had to forward the paperwork to SPS from my insurance company after I get a letter my insurance will expire in a certain number of days. They bought the loan but can't pay things in a timely manner. I can only hope somebody else buys my loan from them.
RUN and AVOID to do any business with SELECT PORTFOLIO SERVICING! I'm writing this review with the goal to help anyone who is in the consideration stage to choose a good or at least a decent Mortgage Servicer, so they can choose wisely and consider this advice to avoid every kind of inconveniences in the future. Unfortunately, I didn't have the chance to pick my Mortgage Servicer because my mortgage was sold to SELECT PORTFOLIO SERVICING without my consent, (I'm aware it wasn't needed anyway because it is completely legal) making me live the worst moments in my life dealing with any company.
Having to deal with them regarding my mortgage status, or the continued discrepancies about how much I need to pay to become current, together with the rules they have to collect payments, such as not being able to make payments from my ACH bank account (the one from where all the automatic PITI payments were withdrawn monthly) because according to them the amount was higher than the monthly amount reason why they can't accept it.
I made the first wire transfer with the information they sent me in their TOTAL REINSTATEMENT LETTER, in the beginning of December, and it failed, then I tried to do it again but this time I called them to do it with someone from their representatives in the phone to verify the Wire Transfer information specially their JP Morgan Chase Bank Account and Routing numbers and it failed again.
I called my bank, (Bank Of America) to find out the reason why both wire transfers failed and they told me that they failed because the routing information seems to be an ACH and not a WIRE number. Given the situation, I went to Western Union to do it through them, but I managed to pay only $5,000 because the total amount owe was over the limit.
When this happens I started to understand that they are doing this COMPLETELY ON PURPOSE to foreclose me and keep the house which has now a juicy equity to cash out. They lack badly of pretty much everything as a mortgage servicing company, things like professionalism, prepared representatives with basic mortgage knowledge, and a decent customer service to solve their customer's needs, that exists because they create them.
I lost my job last year because of COVID and I had to submit a request for payment assistance but even though my current income would be enough to qualify for my monthly mortgage repayment amount, they denied my request. Now also they denied my request for a Mortgage Payment Assistance even though my Debt TO Income ratios were low enough to qualify for a Mortgage Modification and even for Conventional Loan, they denied my request. I hope my story would help others to avoid falling into their claws.
The customer service representatives are either poorly trained and/or perhaps skillfully trained in being deceitful with customers. I hate that Chase sold my mortgage to this company, I would of thought that they would have vetted this smoke & mirrors operation. Remember there is "guilt by association" and SPS is ruining the reputation of Chase. I have had to call several times over a two month period in an attempt to obtain a refund that I am entitled to from my escrow account and I am still waiting. The customer service representative(s) all appear to be reading from a drafted script and they are not very good actors at this point. If you have options, opt out of doing business with SPS, they cannot be trusted to do as they indicate nor does it appear they are ethical in their practices.
My loan was sold to Select Portfolio Servicing effective January 1, 2022. They still deducted a FULL mortgage payment even after the loan was sold! So I'm out two mortgage payments (since the new lender took the full January payment as well!). I called and spoke with someone and she seemed befuddled at my concern. They took a payment when they had already sold the loan! She proceeded to ask me how I wanted this resolved....REALLY? Uh, refund the money you illegally took from my bank account!!?? She proceeded to tell me I had to send an email about my concern and the email would be sent to the appropriate dept for handling.
I then get a response letter stating someone would get back to me in about 30-days. I sent proof from the bank they took the January mortgage payment ILLEGALLY, yet I still have to wait for a refund! If I was late making a payment I'd be charged fees, and of course I probably won't see any fees paid to me for being out this money. STAY AWAY FROM THIS LENDER! They have zero customer service skills, and do not know how to run a company. And people trust them with a home loan!!! Glad this loan was sold, hopefully the new lender has better practices.
Omg I can see I'm not the only one who has been disgusted with this company. They are the budget lowest level of service I have ever seen. Yes my loan got sold to these guys by Chase. It's appalling. I wish I could refi to get out and away from them. How this company is around is beyond me. Inept unknowledgeable agents. Ridiculous policies. They made me do a loan mod and go thru ridiculous hoops for nothing. They talk sideways out of their mouths. They are hiding something over there.
Nobody does business the way they do in the industry. The agents all tell you something different. They send you in circles and you get the runaround. After 6 months of them telling me they could do another loan modification and all the work I put into it. They say your loan is not eligible? Why wouldn't you check all of that first before making me go thru all of that work for nothing. Poor service all the way around. Banks just sell your loans to anybody apparently. We the customer suffers. I would never refer this SPS to anyone.
Our mortgage, after years of having Chase service our loan is now being handled by this company. Other than their website being difficult to navigate I never heard of them. After at least a year now they have decided to charge a $5 FEE for paying our payment on-line! It doesn't matter that it's a debit right from your checking to THEIRS. Could see it if they were being charged debit/credit card fees. Funny that they have all over "Covid-WE want to help..." We have ALL been affected by Covid. Whether it's sky high prices at the pumps or food shortages due to transports/lack of people. At a time where physically putting checks in the mail is frowned upon by most, you would think it would be the other way around for SERVICE FEES! SPS must not be having employee shortages due to quarantines or illness. Definitely an ODD time for imposing new fees on people for using contactless payments.
Stay away from these incompetent liars, do anything you can to avoid these people, seriously, not joking!!! October 2021 I made a payment on my mortgage, SPS, misapplied my payment to the loan principal. I immediately called and asked them to rectify the issue. The rep told me it was no problem, 2 weeks later I called back. It still hadn't happened, the excuses, misdirection, and the lies begin. I called back a month later, still hadn't happened and I was told it be be done by Thursday. Of course more lies. Thursday came and went. Called back again and was told my issue had been elevated to management. Called back the next week, still hadn't happened.
Called again, still hadn't happened, asked for a manager, the rep put me on hold and then hung up on me. Called back the next day, rep told me the manager had already spoken to me about this, yet another lie. Called back again, the rep told me that it was delayed because of the holidays... more lies. Asked for a manager, rep said one would call me back, more lies. Lies, lies, lies, lies, lies, and yes you guessed it even more lies. SPS is an embarrassment to the human race, a disgusting and incompetent company.
Would not provide me with loan documents and did not offer any assistance during Covid. Filed complaint with housing authority, HUD and had a pro Bono lawyer. Set an auction date and wasn’t late in payments. US Bank hired a lawyer to take my house. Also said it wasn’t worth it for them to help me. Did not provide loan note or truth of lending. Made constant changes to my account online and also blocked me to access my account. Filed complaints all the way to Washington DC.
When I finally received the documents I found out I had a 20000 thousand balloon payment. Title of the house was never registered in the recorder's office. I am now trying to refinance my house so I don’t have to be threatened by them anymore. My medical bills and medication made it very difficult to make my mortgage payments during Covid. So I wasn’t able to buy my epilepsy medication to pay my mortgage and ended up in the emergency several times because of their constant threat to take my house.
BEWARE! Halloween is over....But this company plays tricks all year long. Seems to be a pattern here with the other reviews and complaints about SPS misleading consumers into believing SPS is going to help their consumers with loan modifications and refinance. This is the most absolute furthest from the truth. They are not helping!
I too fell prey to their continuing demands for more documents despite my documents being sent for the past 14 months. I applied many times during covid 19 forbearance to modify my interest rate. SPS continued to allow me to think I was getting a refinance/loan modification for my interest rate. Who else has the interest rate at 6.7 ARM % in a pandemic with inflation rates that make food, gas and essentials out of reach. They know that interest rate is unpayable for much longer and that's the catch. Sounds like 2008 housing crisis where mortgage companies sold subprime mortgages to low income, distressed areas that they knew the buyers could never pay or catch up. It's happening again. BEWARE the constant requesting of documents. It's a tactic to make you think they are helping, they are not!
SPS sent a real estate agent (who failed to identify who he was working for repeatedly on the phone when he called. I had to have my family ask who he was and he still would not answer what company he was working for) to assess my house as if they were attempting to make a refinance when what they are really doing is getting ready to see how much your house will sell in a short sale or foreclosure. This company keeps changing their tune in regard to what is needed for the loan modification. The parent company Willmington Delaware Savings is the note holder and they refuse to acknowledge SPS to give a loan modification. So it's really a scam. Neither company is going to help you.
I wrote to the investors at Wilmington Savings and said they cannot help even though they own the loan. How is all of this even legal? Since so many of us have had this experience in the modification loan issue I would like a federal investigation. If you look up this company has had class action suits against them for the past 20 years.
Seriously Why would SPS make an effort to get that interest rate reduced? We are a cash cow for them. They have no regard for society and its pandemic or children who have had to leave their home because the interest rate is exorbitant. And FYI I am up to date on my payments from Covid forbearance. They still sent a generic possible foreclosure letter. How can that be? So basically they threaten you with a possible foreclosure if you try and apply for a loan modification over and over. Again how is this all legal? Shenanigans that's what it is and I am sorry to say I Iive in an area that is low income and a high foreclosure city, hmmm think about it, they are able to give loans to new buyers at 3 %.
So it's they get your house at foreclosure or short sale then sell it for double what it's worth then you cannot buy another house because:1. Your credit is destroyed from foreclosure.
2. You cannot afford another house in this skyrocketing real estate market.
I went into the forbearance plan because of Covid 19. Missed 12 payment only to be told I have 30 days to pay back the balloon payment or second option foreclosure!!! Just like that! They are not willing to help in any way! As I read the reviews others have been told the same Iike I was told I had options at the end of the forbearance!!! Hello where’s my help! You identify your company as "We are here to help". **! But I’m not giving up!
When a company sells your account to another you should be notified, so you can plan another route. This company is for the birds... They are always saying, "I'm sorry for the inconvenience," but they are not.
I am being penalized for SPS system Default in May 2021. Not my fault, was not notified. Was told different things on 4 different calls. I refuse to be penalized for the company mess up which they admit.
Filed Chapter 7 that was discharged and mobile home included in discharge. Never reaffirmed. Moved out of mobile home and now getting demands for payments and demands to carry insurance on property on rented land. Sent bill demanding insurance on property not owned by me. My insurance company will not even open a policy on such nonsense. Apparently they do not understand bankruptcy discharged.
I am trying to obtain a modification to be able to lower the current 6.5% equivalent interest to something a little lower, I have never been behind with my payments, and that is why I asked for help in obtaining a modification, but since the 1st day they have been playing me asking for the same documents over and over again, and the same excuse that the underwriter will be reviewing the case and that if there were another change they would let me know but that never happens, I am the one who looks at my account page and I see the same new message from the same and then I call and write to the relationship manager assigned to my case.
Elizabeth **. That's her name, and I have never managed to talk to her, I feel that it is a game and a lack of morals towards us clients, they are irresponsible and No professionalism, they have unqualified personnel, what they do is embarrassing, and the only thing I can say is a shame that financial companies like these are operating without any kind of remorse knowing that they are abusing honest people, I consider it inhuman. That's all I have to say.
If I could give them a 0 rating I would. They doubled my escrow payment, charge me 15 dollars a month to make a payment, I told them I would refi, they said that's my option, I did, now they get none of my hard earned money. I hope they burn in h-e-double-toothpicks for their predatory actions.
I had an FHA refi done through major mortgage house, received all obligations fulfilled letter and 2 phone calls stating the same with congratulations. Received a refund for over payment 4 months later. Just received a notice my loan is in default, a lien was put on my home and failure to respond forced them to start foreclosure on me. No mail, emails, phone calls or notifications to myself or the title and escrow company were made claiming I have a no paper policy in place?? Phone calls to discuss this was met with extremely rude customer service reps, I was given 10 reasons why I owed back payments all of them proved to be false and they were supplied proof by myself and they title company.
I have been given a 2K, 3K, 4K, 5K and now 6K payoff quote in over a 4 day period and it goes up by $1000 every time I call them and show proof obligations were met. Today's story was I owe $$ on a home modification they did for me. NO LOAN mod was ever done with these liars. Now I have to get an attorney and sue them to stop harassments. Better follow up if you did a refi to get away from these scammers and contact title company before you get a notice 5 months later.
There is no rating for this agency, but I was forced to select one so I went with the lowest rating available. I have been forced to work with this agency after my original loan was sold to them. Staff are unprofessional. I have never dealt with a loan company that refuses to hear concerns of a paying customer! My original loan was sold to them in 2019 and every interaction has been met with rude staff! They are not trained in resolving matters however they are very good with being condescending and argumentative with customers.
If you have a choice do not allow this agency to be in charge of your mortgage- you will be extremely disappointed if you do so. For others that have had bad experiences I encourage you to make reports to the Consumer Protection Bureau- 1-855-411-2372. For those that have an option to refinance you should do so. No agency that is unable to offer solutions/listen to your concerns should be in charge of one of the most expensive investments that you will ever make! TAKE HEED TO ALL THE COMPLAINTS LISTED ON THIS PAGE OR ANYWHERE WHERE CUSTOMERS ARE ALLOWED TO POST A REVIEW. ALSO if you are looking for an equity accelerator program please do not use Earn Up!
Wells Fargo had put us on a COVID forbearance. Shortly after the forbearance started, Wells sold our mortgage to Select Portfolio Services. They (SPS) claimed that they sent paperwork to a wrong address and hadn’t gotten any paperwork from Wells Fargo. By the time they decided to called our residence, they said that we were being foreclosed on. They claimed that they didn’t have to honor Wells Fargo’s forbearance and if we would like a loan modification the payments would be over double the normal payment per month for the next 12 months and the payments/interest that had been missed would go to the end of the mortgage. They also wanted the escrow and late payments paid in full.
As if this wasn’t bad enough (SPS) needed a response by the 21 of July. This gave us 2 weeks to scramble. Putting 5 kids homeless right before school is not acceptable. We sent an appeal about the payment and was told we would be notified within a week. We were not. Upon calling they still hadn’t reviewed our appeal and said that they didn’t want to resubmit it because it would just prolong it longer. Please let us know if we have any hope of keeping our home and thank you for your time.
I had been paying this guys for a year and they don't want to report to the credit agencies for a year. I keep calling them and calling them and they keep saying 30 months and 60 months and they had decline to report to the credit bureau agencies because they are inventing things they keep saying.
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