Wednesday, June 26, 2013

Consumer Financial Protection Bureau Complaint #3


Welcome Shelley Olson [Logout]

WHAT HAPPENED

Describe what happened so we can understand the issue... 

The attached third qualified written request was mailed to Select Portfolio Servicing (the entity now claiming ownership of our home): certified mail#70121010000320731194 and Carrington Property Services: certified mail #70121010000320731217 on June, 14, 2013. They were received and signed for by SPS on June 18, 2013. See CFPB Case number: 130605-000298. 
The ombudsman from SPS informed us on June 24, 2013 via email that they had not received our qualified written request (see attached email).
Product Other financial product/service: Other financial product/service 
Issue Account opening, closing, or management 

DESIRED RESOLUTION

What do you think would be a fair resolution to your issue? 

Mail certified a valid and complete response to our qualified written request within 30 days of receipt (June 18, 2013) to: 3558 Seafarer Drive, oceanside, CA 92054, take us to court ASAP to expedite a resolution to this matter legally, or offer a sufficient settlement.

MY INFORMATION

Contact information

Mailing address
Shelley  Olson 
3558 Seafarer Dr 
Oceanside  CA  92054 
United States 
Email shello24@gmail.com 
Phone 760-576-9431 
Age 35 
I am filing on behalf of 

Servicemember information

Dependent information
William  Horenburg 
3558 Seafarer Dr 
Oceanside  CA  92054 
United States 

PRODUCT INFORMATION

Information about the company
Select Portfolio Servicing 
PO Box 65250 
Salt Lake City  UT  84165 
United States 

COMPLAINT HISTORY

Auto-Response06/26/2013 03:24 PM
Thank you for contacting the Consumer Financial Protection Bureau (CFPB).

Our Office of Consumer Response has received your submission and will review it as soon as possible to determine if it involves a Federal consumer financial law within our authority. Please be aware that the Office of Consumer Response cannot represent individuals and we are not a substitute for legal counsel.

Depending on what we find, we will either:
- Send your complaint to the company for a response;
- Send your complaint to the appropriate regulator or help you get in touch with your state and local consumer protection office if your complaint is not within our authority; or
- If we need more information to continue our work, we will reach out again and let you know.

Regardless, your submission will help us understand the marketplace better and help us to protect consumers like you.

You can set up an account to check the status of your submission at any time athttps://help.consumerfinance.gov/app/account/complaints/list/



Thank you,


Consumer Financial Protection Bureau

consumerfinance.gov

(855) 411-CFPB (2372)

Customer Shelley Olson via Web06/26/2013 03:24 PM
The attached third qualified written request was mailed to Select Portfolio Servicing (the entity now claiming ownership of our home): certified mail#70121010000320731194 and Carrington Property Services: certified mail #70121010000320731217 on June, 14, 2013. They were received and signed for by SPS on June 18, 2013. See CFPB Case number: 130605-000298.
The ombudsman from SPS informed us on June 24, 2013 via email that they had not received our qualified written request (see attached email).



Complaint #1 was with Chase when we were trying to short-sale our home before the foreclosure. It was completed with the conclusion: Our name(s) are not on any paperwork for the loan, therefore Chase bank cannot discuss a short-sale without the Hreha's (previous owner's) permission. The Hreha's signed a quit-claim deed and power or attorney to HAT (the fraudulent company that just got busted by the FBI) so they thought they had no rights to the property. Chase was FULLY AWARE of the situation, yet did not post-pone the foreclosure to allow for resolution before the auction. 

#2 was after our 1st qualified written request to Carrington that went unanswered. It is still in review.


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Tuesday, June 25, 2013

Email Correspondence with Alison, The Ombudsman for SPS:

*All of the referenced attachments have been previously posted in this blog.


GmailShelley Olson <shello24@gmail.com>

Re: 3558 Seafarer Dr
4 messages

William Horenburg <williamhorenburg@gmail.com>Sat, Jun 22, 2013 at 1:17 PM

To: Alison Linares <Alison.Linares@spservicing.com>

Cc: "shello24@gmail.com" <shello24@gmail.com>



Sent from Shelley's iPhone

On Jun 22, 2013, at 12:02 PM, Alison Linares <Alison.Linares@spservicing.com> wrote:
Hello Ms. Olsen and Mr. Horenburg,
I spoke with Claude on Wednesday, and he requested proof that SPS has the right to discuss this property. I have that proof ready to send, but I need you to authorize me to release information about the property to him. Please reply to this email and give me permission. SPS is authorized and ready to bring this to a swift conclusion that will hopefully benefit us all.

Thank you

Alison Luna (Linares)
Manager, Consumer Ombudsman
Select Portfolio Servicing
Toll free (866) 662-0035 option 3
(801) 594-6259
Fax (801) 270-7784

================================================================================================
Please access the attached hyperlink for an important electronic communications disclaimer:
http://www.spservicing.com/legal/email_disclaimer.htm
================================================================================================

William Horenburg <williamhorenburg@gmail.com>Sat, Jun 22, 2013 at 3:03 PM

To: Alison Linares <Alison.Linares@spservicing.com>

Cc: Claude Blackman Blackman <claudeablackman@yahoo.com>, Shelley Olson <shello24@gmail.com>

Hello Alison,

We asked our agent to inquire about the amount you are offering. We expect SPS's response to our qualified written request to be mailed to us certified. 

Feel free to relay your offer to Claude for our consideration. 

Thank you.
Shelley Olson and William 
[Quoted text hidden]

Alison Linares <Alison.Linares@spservicing.com>Mon, Jun 24, 2013 at 10:49 AM

To: William Horenburg <williamhorenburg@gmail.com>

Cc: Claude Blackman Blackman <claudeablackman@yahoo.com>, Shelley Olson <shello24@gmail.com>

The amount “we” are offering? We understood you wanted to buy the house, and we have not received a qualified written request from you.



Alison Luna (Linares)
Manager, Consumer Ombudsman
Select Portfolio Servicing
Toll free (866) 662-0035 option 3
(801) 594-6259
Fax (801) 270-7784



From: William Horenburg [mailto:williamhorenburg@gmail.com]
Sent: Saturday, June 22, 2013 4:03 PM
To: Alison Linares
Cc: Claude Blackman Blackman; Shelley Olson
Subject: Re: 3558 Seafarer Dr
[Quoted text hidden]
[Quoted text hidden]

Shelley Olson <shello24@gmail.com>Tue, Jun 25, 2013 at 10:03 AM

To: Alison Linares <Alison.Linares@spservicing.com>

Cc: Claude Blackman Blackman <claudeablackman@yahoo.com>, 

William Horenburg <williamhorenburg@gmail.com>, Shelley Olson <shello24@gmail.com>,

turko@kusi.com, "<John.Wilbur@treasury.gov>" <john.wilbur@treasury.gov>, 

"District Attorney, San Diego" <publicaffairs@sdcda.org>, amy.walker@mail.house.gov, 
Joanne Franciscus <joannef@lassd.org>, Leah Simon-Weisberg <leah@tenantstogether.org>, 
chuck.manley@dre.ca.gov, andrew.masters@ic.fbi.gov

Good morning Alison,

On June 17, 2013 Cindie of Excel Properties forwarded our contact information and response to SPS's offer of cash for keys so that we may deal directly with "the bank" (both offer and response are attached). Then we received a phone call from you on June 18th requesting to discuss the situation. We assumed that you had viewed our response and were also aware of the disclosures posted to our front door (attached: "Buyer Beware") and signs in our front windows, as the person at Excel Properties, that posted your "cash for keys" offer took photos. We then asked our agent to inquire about the amount you are offering.

A copy of our third qualified written request is attached. It was mailed certified on June 14, 2013 to SPS: #70121010000320731194. USPS website verifies it was delivered on June 18th and signed for by SPS. This request was mailed certified to Carrington: #70121010000320731217 and RESPA: #70121010000320371200 on the same day. 

We expected to be taken to court after the 90 day notice posted by Ruzicka and Wallace, the lawyer claiming to be authorized to act on behalf of the "owner," expired on April 10, 2013 (see attached "April 25 notices"). We have not heard from Ruzicka and Wallace or Carrington since our final attempt to purchase our home. Our agent submitted our purchase offer to Dess Richardson of Ruzicka and Wallace. Then after a week of no response to our emails and phone calls, Claude received a phone call from them stating: "There is nothing more we can do," and also requesting no  further contact. Now a new lawyer is "representing the owner" and soliciting rent payments to be mailed to ANOTHER company. Again without supplying any proof of ownership (see "new lawyer" attached- to be noted: this letter states that a copy of the deed is enclosed, which it was not). The certified copy of the Trustees Deed that we printed from the county recorders office was robo-signed and has a stamp that states: "This instrument is being recorded as ACCOMMODATION ONLY, with no Representation as to its effect upon title."

A simple google search of Select Portfolio Servicing reveals pages of complaints regarding fraudulent &predatory practices and numerous lawsuits. We will continue to diligently send qualified written requests to SPS, Carrington and anyone else claiming to be the owner or representing the owner every 30 days. After viewing all of the attached documents; letters and disclosures, you should also be well aware that we no longer have any intention of purchasing our home when fraud is clearly involved.

Since September 11, 2012, when the notice of trustee sale was posted to our door, we have dealt with extreme levels of stress and anxiety, uncertainty and immeasurable grief. We have been threatened and harassed by several companies, lawyers and agents claiming ownership or to be representing the owner without providing proof. In addition to harassment damages; our rights under the Protecting Tenants at Foreclosure Act have been violated and likely the CA Unfair Business Practices Act (Bus & Prof Code Section 17200, et seq.) which carries stiff penalties including punitive damages. Our right to quiet enjoyment (California Civil Code 1940.2) has continually been disregarded as well as our qualified written requests (failing to acknowledge receipt within five days and failing to respond within 30 days are also both punishable violations). 

After nine months of frustration and still no legal proof of ownership, we refuse to participate in any further communication in this matter. Future phone calls, emails, posts to our door, etc will be disregarded until a valid and complete request to our qualified written request is delivered to our address via certified mail. 

You are welcome to relay your settlement offer to Claude for our consideration. Or you may choose to take us to court to expedite a legal conclusion to this situation.


Thank you,



Shelley Olson and William Horenburg
[Quoted text hidden]

6 attachments
cash for keys.pdf
270K
response cash for keys.pdf
1424K
buyerbeware.pdf
26K
QWR 3.pdf
101K
April25notices.pdf
1915K
newlawyer.pdf
447K

Thursday, June 20, 2013

Waiting for Response to Qualified Written Request. Again.

By law, we should receive a response acknowledging receipt of our qualified written request within 5 business days.

Carrington has already disregarded two. 
Do you think we will get one this time from either SPS or Carrington?

Please offer advice and comments below. We are seeking representation to counter sue if we are taken to court for an Unlawful Detainer. Please help. Pass this around.

It is so frustrating that big banks are capitalizing with this FRAUD :(

BTW: Select Portfolio Servicing/SPS was bought by a Swiss bank in 2005 for $144 million. Net worth today: $30 BILLION!!
How do you suppose this happened in 8 years? Hmm. "Acquiring" homes fraudulently without paying for them, and then selling them at the top of the market... Isn't our situation proof of this?!

Qualified Written Request #3:


June 14, 2013


Re: 3558 Seafarer Drive
Oceanside, CA 92054

Dear Select Portfolio Servicing and Carrington Property Services,
Mailed to: Select Portfolio Servicing
PO Box 65250
Salt Lake City, UT 84165-0250
certified mail#___________________________________

AND

Carrington Property Services, LLC
Mailed to: Carrington Mortgage Services
1610 East St. Andrews, Suite B-150
Santa Ana, CA 92705
certified mail#___________________________________

Please treat this letter as a “qualified written request” under the Federal Servicer Act, which is a
part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605(e).
This qualified written request (6 pages) is in addition and in succession to previously mailed
qualified written requests to Carrington Property Services, LLC/Carrington Mortgage Services
and office of RESPA. Also included is a copy of our response emailed to the parties hired by you,
Select Portfolio Servicing (referenced as the newly acquired owner of our home- copy of
document included) to post notices to our door: Jeff Wagner and Cindie of Excel Properties, and
Michael Blue of Home Smart Realty West/Coldwell Banker representing First Service
Residential Realty.

Specifically, we are disputing a) the identity of a true secured lender/owner, and b) your authority
and capacity to collect rent or carry out an eviction on behalf of the alleged lender/owner and c)
your authority to list and sell the property. Because of extensive criminal activity and fraud in
this arena, we require proof of the chain of secured ownership from the original alleged lender/
creditor to the alleged current lender/creditor/owner. Further, we require proof that you are the
entity that has been contracted to work on behalf of the alleged lender/creditor/owner.

Pursuant to “Subtitle E Mortgage Servicing” of the Dodd-Frank Wall Street Reform and
Consumer Protection Act and pursuant to 12 U.S.C. Section 2605(e)(1)(A) and Reg. X Section
3500.21(e)(1), please provide:

1. A full, double sided, certified “true and accurate” copy of the original promissory note and
security instrument and all assignments of the security instrument.
2. Full name, address and telephone number of the actual entity that funded the transaction.
3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series
of Certificates.
(Note: If the note number is being traded in a Fannie Mae Trust or Freddie Mac Trust, please
provide all information to identify the Trust (i.e. Fannie Mae Pool Number, CUSIP Number,
REMIC or SMBS Trust Number and Trust Class/Tranche).
4. Full name, address, and telephone number of the Trustee.
5. A physical location (address) of the original promissory note, original security
instrument, and all assignments of the security instrument, and a contact name and phone
number of someone who can arrange for inspection of said documents.
8. Full name, address and telephone number of any master servicers, servicers, sub-servicers,
contingency servicers, back-up servicers or special servicers for this account.
9. The electronic MERS number assigned to this account if this is a MERS Designated Account.
10. Proof of true sale of the note from alleged Lender to investors, by showing:
Wire transfer document(s), and/or
Signed purchase and sale agreement(s),
Bank statements or similar documentation.
11. The MERS Milestone Report, if the note number and security instrument was tracked by
Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer
in ownership and alleged transfer in security interest.
12. Verification of any notification provided to me of a change in servicer.

You should be advised that within FIVE (5) DAYS you must send us a letter stating that
you received this letter. After that time you have THIRTY (30) DAYS to fully respond as
per the time frame mandated by Congress, in “Subtitle ‘E’ Mortgage Servicing” of the
‘‘Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C.
Section 2605(e)(1)(A) and Reg. X Section 3500.21(e)(1).

TRUTH – IN-LENDING ACT § 131(f)(2)
Pursuant to 15 U.S.C. § 1641 (f):
Please provide the name, address and telephone number of the owner(s) of the mortgage and the
master servicer of the mortgage.

You should be advised that Violations of this Section provide for statutory damages of up to
$4,000 and reasonable legal fees. The amendments also clearly provide that the new notice
rules are enforceable by private right of action. 15 USC 1641



May 21, 2013

To Whom it May Concern,

The following Qualified Written Request was mailed certified on May 10, 2013. As per
USPS.com #70123050000168687952 addressed to Carrington Property Services was delivered
on May 13, 2013. We have not received written response stating that Carrington received our
request. This second attempt is sent to Carrington at the address below, mailed certified
#70122210000146906740 this time with a signature confirmation as well. Also cc: Office of
RESPA and Interstate Land Sales, certified mail #70122210000146906733 and
70123050000168687969:



May 10, 2013

Re: 3558 Seafarer Drive
Oceanside, CA 92054

Dear Carrington Property Services, LLC,

Mailed to: Carrington Mortgage Services
1610 East St. Andrews, Suite B-150
Santa Ana, CA 92705

Please treat this letter as a “qualified written request” under the Federal Servicer Act, which is a
part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605(e).

Specifically, we are disputing a) the identity of a true secured lender/owner, and b) your authority
and capacity to collect rent or carry out an eviction on behalf of the alleged lender/owner and c)
your authority to list and sell the property. Because of extensive criminal activity and fraud in
this arena, we require proof of the chain of secured ownership from the original alleged lender/
creditor to the alleged current lender/creditor/owner. Further, we require proof that you are the
entity that has been contracted to work on behalf of the alleged lender/creditor/owner.
Over the past five months we have repeatedly asked for proof of ownership and have tried to
purchase the home we are renting at: 3558 Seafarer Drive, Oceanside, CA 92054. Since the
foreclosure was finalized, we have been bullied and lied to. We have communicated to all parties
(that we are aware of) that we want to purchase our home and will not sign a new lease when we
have a bonafide lease until March of 2014. We were working with Liz Mitchel at Chase bank to
short-sale the property before the foreclosure. Afterwards, we got a pre-approval with Andre
Gains of Chase bank who was unable to accept our purchase offer stating that Chase does not
own the property; they are the servicer. We submitted our purchase offer to the listing agent
assigned by Chase bank: Roselena Dellamary of Coldwell Banker, in January. Roselena refused
to submit it to “the asset manager” until we signed a month to month lease. Then a 90 day notice
to vacate was posted on our door by a lawyer representing US Bank. We have since tried on two
different occasions to submit an offer to Renee McGuire at US Bank (the owner listed on the
deed), but they have no record of the property and do not claim ownership our home. We relayed
our desire to buy our home to Lara Doronzo of Property Advantage who was assigned by
Carrington (who was assigned by Chase). Lara agreed to forward our emails up “the chain of
commands” to Carrington. There has been no response. The 90 day notice to vacate expired April
11, 2013 and was not followed through with. Next a notice to pay rent to Carrington Property
Services, LLC was posted by the same lawyer: Ruzicka and Wallace. We most recently
submitted our purchase offer to Dess Richardson of Ruzicka and Wallace after she agreed to
forward it to “her client” (which we assume must be the owner). That was last week. Leah at
Tenantstogether.org (who put me in contact with Dess) asked me to allow for an appraisal next
week before “the bank” will consider our offer. Leah has offered her opinion that she thinks the
actual owner is Bank of America because of the “robo-signing.” We live in this home. It is our
right to know if someone does in fact actually, legally own our home. Before allowing entry to
an appraiser (or any other person), we will require verifiable proof that they are or were hired by
the owner as a last attempt to verify ownership on our own. Contact information for the people
referenced above (and others that are aware of our situation) is attached in an email illustrating
an example of how we have been treated. Also a copy of the first page of our lease, the most
recent document posted to our door and the “robo-signed” documents filed at the San Diego
County Recorders office.

Pursuant to “Subtitle E Mortgage Servicing” of the Dodd-Frank Wall Street Reform and
Consumer Protection Act and pursuant to 12 U.S.C. Section 2605(e)(1)(A) and Reg. X Section
3500.21(e)(1), please provide:

1. A full, double sided, certified “true and accurate” copy of the original promissory note and
security instrument and all assignments of the security instrument.
2. Full name, address and telephone number of the actual entity that funded the transaction.
3. Full name of Trust where the Note Number is trading, or has traded, and the identifying Series
of Certificates.
(Note: If the note number is being traded in a Fannie Mae Trust or Freddie Mac Trust, please
provide all information to identify the Trust (i.e. Fannie Mae Pool Number, CUSIP Number,
REMIC or SMBS Trust Number and Trust Class/Tranche).
4. Full name, address, and telephone number of the Trustee.
5. A physical location (address) of the original promissory note, original security
instrument, and all assignments of the security instrument, and a contact name and phone
number of someone who can arrange for inspection of said documents.
8. Full name, address and telephone number of any master servicers, servicers, sub-servicers,
contingency servicers, back-up servicers or special servicers for this account.
9. The electronic MERS number assigned to this account if this is a MERS Designated Account.
10. Proof of true sale of the note from alleged Lender to investors, by showing:
Wire transfer document(s), and/or
Signed purchase and sale agreement(s),
Bank statements or similar documentation.
11. The MERS Milestone Report, if the note number and security instrument was tracked by
Mortgage Electronic Registration Systems. I want to see the audit trail of the alleged transfer
in ownership and alleged transfer in security interest.
12. Verification of any notification provided to me of a change in servicer.

You should be advised that within FIVE (5) DAYS you must send us a letter stating that
you received this letter. After that time you have THIRTY (30) DAYS to fully respond as
per the time frame mandated by Congress, in “Subtitle ‘E’ Mortgage Servicing” of the
‘‘Dodd-Frank Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C.
Section 2605(e)(1)(A) and Reg. X Section 3500.21(e)(1).

TRUTH – IN-LENDING ACT § 131(f)(2)
Pursuant to 15 U.S.C. § 1641 (f):

Please provide the name, address and telephone number of the owner(s) of the mortgage and the
master servicer of the mortgage.

You should be advised that Violations of this Section provide for statutory damages of up to
$4,000 and reasonable legal fees. The amendments also clearly provide that the new notice
rules are enforceable by private right of action. 15 USC 1641

Sincerely,

__________________________ _________________
Shelley Olson                                    Date
__________________________ _________________
William Horenburg                           Date

cc:
U.S. Certified Mail # ________________________
Office of RESPA and Interstate Land Sales
Office of Housing, Room 9154
US Department of Housing and Urban Development
451 Seventh Street, SW
Washington, DC 20410