Consumer complaint received 2022-11-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This Complaint is about SELECT PORTIFOLIO SERVICING XXXX XXXX XXXX XXXX XXXX XXXX UTAH ZIP XXXX SPS has consistently had a pattern of over billing Me with an incredible amount of Junk Fees, and giving Me the run around when questioned why??? They have imposed PREDATORY LENDING TACTICS since the begining of my loan by giving my a 4 Payment pick a payment option, NEGATIVE AMORTIZATION LOAN, THEY SET ME UP TO FAIL from the Start of My Loan Until Now. 

They have also forced placed insurance while I had already had Homeowners insurance in place. 

XX/XX/XXXX I have Sent them a QWR Qualified Written Request Under the RESPA AND TILA Laws in the State of California They have Refused to Legally answer the QWR. 

it covers from XX/XX/XXXX to XX/XX/XXXX It has to be answered before they can proceed to FORECLOSURE. 

They have Changed Relationship Managers on Me more than XXXX XXXX. 

They have not offered Me a Modification Payment in more than 5 Years Even though The Government offers many rescue plans for homeowners, I have not been given a chance to pay back a reasonable amount or been given a MODIFICATION in The last 5 Years They are abusive and not willing to help in any way shape or form. 

They say that the only Help they can give is for Me to Move Out. 

We have an XXXX XXXX XXXX wheelchair bound Person living at the Property They have Violated my Homeowners Rights, My civil Rights they have violated RESPA LAWS/ TILA LAWS AND RULES OF ENGAGEMENT IN THE STATE OF CALIFORNIA/ HUD RULES OF DISCRIMINATION They are Abusive and have said on many times that they don't answer to Me or Anyone. 

they Have violated My CALIFORNIA HOMEOWNER BILL OF RIGHTS They has not done the Following : Notification of foreclosure-prevention options : Your servicer must try to contact you at least 30 days before starting the foreclosure process to discuss your financial situation and explore your options to avoid foreclosure. 

Your servicer can then start the foreclosure process by recording a notice of default in the county where your home is located, and will then send you a copy within 10 business days. Within 5 days of recording a notice of default, your servicer must generally give you information about options to avoid foreclosure that may be available. ( Civil Code sections XXXX, XXXX ) Guaranteed single point of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. ( Civil Code section XXXX ) Acknowledgment of application : If you apply for a loan modification, your servicer must notify you within five business days of any missing information, other errors, and deadlines for completing your application. ( Civil Code section XXXX ) Restrictions on fees : You can not be charged a fee for applying for a loan modification. You can not be charged late fees while your servicer is making a decision on your completed loan-modification application, while you are making timely payments under an approved modification, or while a denial is being appealed. Your application is " complete '' once you submit all required information within the servicers reasonable deadlines. ( Civil Code section XXXX ) Restrictions on dual tracking : Your servicer must generally pause the foreclosure process while it is making a decision on your completed loan-modification application and until after it gives you time to appeal a denial. It also can not foreclose on you while you are complying with the terms of an approved loan modification, forbearance, repayment plan, or other foreclosure-prevention option. ( Civil Code sections XXXX, XXXX ) Denial rights : If your servicer denies your loan-modification application, it must state its reasons and identify other possible foreclosure-prevention options in writing. It must also give you a chance to appeal the denial. You may submit a new loan-modification application if you have had a material change in your financial situation since the last application. ( Civil Code section XXXX ) Transfer rights : If your servicer approves a loan modification or other foreclosure-prevention alternative and then sells or transfers your loan to another servicer, the new servicer must honor that foreclosure-prevention alternative. ( Civil Code section XXXX ) Verification of documents : Your servicer must review certain foreclosure documents to make sure they are accurate, complete, and supported by reliable evidence about your loan, your loans status, and the servicers right to foreclose. ( Civil Code section XXXX ) SPS SELECT PORTIFOLIO SERVICING HAS VIOLATED ALL OF THESE PROCEDURES IN PLACE TO HELP IN MY SITUATION I will Also be Complaining to The XXXX / ATTORNEY GENERALS OFFICE, I am sick and tired of The abuse from SPS / SELECT PORTAFOLIO SERVICES Managment and Owners. 
I am also tired of them braking the Law with out any repercussion. 

PLEASE HELP ME!!! I REALLY NEED YOUR HELP!!! 
XX/XX/XXXX XXXX XXXX XXXX Victim of Predatory Lending

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