Consumer complaint received 2019-03-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In dispute of the loan # XXXX, for XXXX XXXX the owner of the property at XXXX XXXX XXXX XXXX XXXX Ga, you are servicing on behalf of XXXX Bank I look forward to your response to the following demands. 
1. A complete and itemized statement from the date of the loan to the date of this letter of any forced-placed insurance and expenses related thereto, related in any way to this loan. 
2. A complete and itemized statement from the date of the loan to the date of this letter of any suspense account entries and/or any corporate advance entries related in any way to this loan. 
3. A complete and itemized statement from the date of the loan to the date of this letter of any property inspection fees, property preservation fees, broker opinion fees, appraisal fees, bankruptcy monitoring fees, or other similar fees or expenses related in any way to this loan. 
4. Identify the provision under the Deed of Trust and/or note that authorizes charging each and every such fee against the loan. 
5. Please attach copies of all property inspection reports and appraisals. 
6. A complete and itemized statement of any and all post-petition arrears including each month in which the default occurred, and the amount of each monthly default. 
7. A complete and itemized statement of any late charges to this loan from the date of this loan to the date of this letter. 
8. The amount, if applicable, of any satisfaction fees. 
9. A complete and itemized statement from the date of the loan to the date of this letter of any fees incurred to modify, extend, or amend the loan or to defer any payment due under the terms of the loan. 
10. The current amount needed to pay-off the loan in full. 
11. A full and complete comprehensible definitional dictionary of all transaction codes and other similar terms used in the statements requested above. 
12. A complete and itemized statement of any funds deposited in any post-petition suspension account ( s ) or corporate advance account ( s ), including, but not limited to, the balance in any such account or accounts and the nature, source and date of any and all funds deposited in such account or accounts. 
13. A complete and itemized statement from the date of this loan to the date of this letter of the amount, payment date, purpose and recipient of all foreclosure expenses, NSF check charges, legal fees, attorney fees, professional fees and other expenses and costs that have been charged against or assessed to this mortgage. 
14. A complete and itemized statement of the amount, payment date, purpose and recipient of all fees for the preparation and filing of the original proof of claim, any amended proofs of claim, or any supplemental proofs of claim related to this mortgage. 
15. The name, address and phone number of any master servicers, servicers, sub-servicers, contingency servicers, back-up servicers or special servicers for the underlying mortgage debt. 
16. A copy of any mortgage Pooling and Servicing Agreement and all Disclosure Statements provided to any Investors with respect to any mortgage-backed security trust or other special purpose vehicle related to the said Agreement and any and all Amendments and Supplements thereto. 
17. If a copy of the Pooling and Servicing Agreement has been filed with the SEC, provide a copy of SEC Form 8k and the Prospectus Supplement, SEC Form 424b5. 
18. The name, address and phone number of any Trustee under any pooling or servicing agreement related to this loan. 
19. A copy of the Prospectus offered to investors in the trust. 
20. Copies of all servicing, master servicing, sub-servicing, contingency servicing, special servicing, or back-up servicing agreements with respect to this account. 
21. All written loss-mitigation rules and work-out procedures related to any defaults regarding this loan and similar loans. 
22. The procedural manual used with respect to the servicing or sub-servicing of this loan. 
23. A summary of all fixed or standard legal fees approved for any form of legal services rendered in connection with this account. 
24. Is this loan subject to any Electronic Tracking Agreement? If the answer is yes, then state the full name and address of the Electronic Agent and the full name and address of the Mortgage Electronic Registration System. 
25. Is the servicing of this loan provided pursuant to any type of mortgage electronic registration system? If the answer is yes, then attach a copy of the mortgage electronic registration system procedures manual. 
I appreciate your help, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation