Consumer complaint received 2021-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Greetings. I am on the deed of XXXX and XXXX XXXX XXXX XXXX XXXX OHIO XXXX. I XXXX XXXX XXXX. 

You are lender placed insurance on this ONE parcel property. 

I haveXX/XX/XXXX XXXX property and mortgage insurance for BOTH HOUSES. 

I am being billed for lender placed insurance XXXX XXXX and XXXX XXXX XXXX. 

I do NOT need lenders placed insurance. Please remove your account from my property. 

I sent the declaration to SPS and they do not want to make a change. I was told to PUT on a RMA modification request that I still have lenders placed insurance at XXXX $ per month. 

I want a refund for months you billed while I had insurance that well covers the property. 

In times past I was denied insurance on the property because XXXX XXXX XXXX XXXX XXXX OH XXXX electric lines goes from XXXX to the next door neighbors house and he complains about it..also the legal issues revolved around the 2 parcel now one parcel legal city board hearing disputes in XXXX. 

I did not withdraw my assistance application. 

I do not know who my lender is ... who ownes the mortgage ... .SPS is the services..WHO OWNES THE mortgage. NO ONE WILL TELL ME. 

Why is XXXX filing a foreclosure on XXXX XXXX XXXX was deported XX/XX/XXXX. He was on ssdi until then and our kids received derivided benefits. SPS states I assumed the loan however IT WAS NEVER RECORDED TO THE FISCAL OFFICE IN XXXX XXXX. XX/XX/XXXX sent an email and I received security clearance for XXXX to send a special favor to me for SPS years and years ago..SPS knew he was deported since XXXX ... XX/XX/XXXX sent the email ... TO THEM. 

The foreclosure NOTICE WAS ISSUED ON XXXX XXXX XXXX XXXX XXXX. 6 days before my mother in law..my best friend died of XXXX. She was on hospice 30 days..died XX/XX/XXXX XXXX XXXX of XXXX XXXX ... ..I am married to XXXX XXXX is his mom ... ... .she was my best friend in the entire world ... ..after the funeral. While having family over greiving ... .SPS on XXXX XXXX  Letter attached XX/XX/XXXX YOU sent a notice claiming YOU did not receive my tenants rental agreement. When we gave you the rental agreement over and over and over again .... 
I asked SPS for assistance in regards to the Covid 19 mortgage options..several times ... .I was ignored .... 

I need to know WHO ownes my mortgage. 
who has the note..the original XXXX XXXX  in XXXX XXXX address is now a furniture store ... 

who is the PMI insurance from when the loan was signed XX/XX/XXXX. 

I want transparancy ... and simple questions answered and I am ignored and no one will answer the questions when I ask. 

I would like to know why your dept collectors license number out of NEW YORK ... .is not valid and does not have a correct address ... .I read that the other collector is Mr. XX/XX/XXXX I read his OHIO LLC registration and can only assume until I get the correct information. The address of MrXXXX XXXX is wrong..his building was sold and his LLC is not updated ... .Im going by my own research in attempts to find out who owns the loan ... 
XXXX called me and told me that they do NOT own the loan. 
Several years ago SPS told me that XXXXXX/XX/XXXX owned it and sent a letter saying XXXXXX/XX/XXXXowend it ... ... .. 
XXXX has no idea whats going on. 

The only info I found was City Prosecutors in NY working with XXXX XXXX XXXX XXXX XXXX in different cities around USA who deem certain houses as Nuisance Houses where they use police information to deem a house worthy to board up and take/condemn. That's the only pattern and trend I see. I have read other court documents that show the same kind of filing. Im not sure if this is the case. I do not fall into that category. My husband XXXX and I fixed up the houses and he is an XX/XX/XXXXin XXXX  and we is in charge now of tenants. 

SPS told my husband XXXX and I that its too complicated to explain who owns the mortgage. 

We want this answered. 

Also,,, ,the forclosure filed used a valuation of the property dated XXXX. We dont understand why a current valuation was not used. XXXX my husband said its the numbers that were fudged in the XXXX determination to fit into a certain justification clause in attempts to take our home from us. Something like that ... he can explain more to our lawyer next week, because we are seeking a lawyer to file a law suit against the city for injuries and loss of over XXXX $ due to their mistakes and county in legal fees and the XXXX $ put on our taxes for 10 years. 

We are working on our credit. We are seeking to get a loan for the house ... .. 
almost there. 

Cares ACT is offering XXXX $ XXXX XXXX XXXX XXXX XXXX.

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