Consumer complaint received 2019-02-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX and suffered a hardship in XXXX but was able to reinstate my loan in XXXX with XXXX XXXX after paying XXXX shortly after that I missed 5 payments when in XX/XX/XXXX XXXX offered me a loan modification to begin in XX/XX/XXXX I made my 3 trial payments and continued paying as agreed when in XX/XX/XXXX my loan servicer was switch to select portfolio services by XXXX I continued paying as agreed when in XX/XX/XXXX I was informed that select portfolio would b applying my XX/XX/XXXX payment to an XX/XX/XXXX payment that was missed. I explained I had accepted a modification and did not miss any payments. in a follow up conversation with select portfolio services I was now being told I missed 3 payments XXXX, XXXX, XX/XX/XXXX. I explained that I had made the payments to XXXX and that I could prove it. I was ask to do so which I did I sent select portfolio services copies of the cashiers check and money orders before I could contact them to follow up I was now receiving foreclosure letter stating that I was behind {$25000.00} so I reach out to select portfolio services who was suppose to be looking into my payments which I had sent proof of payment to them they now said I would have to pay this amount and to go to court which I did go to court and they continued with the foreclosure. I assumed they would figure it out appoligize and we would move forward but that was not the case they continued the foreclosure. sending me documents stating my last payment was made XXXX I went to hud for assistance with this issue and now select portfolio services stated that I was offered a modification in XX/XX/XXXX and failed to accept it. which is incorrect I received my modification offer in XX/XX/XXXX to begin in XXXX XXXX and XX/XX/XXXX trial payments in the amount of XXXX from XXXX  which I accepted and complied with the payments and they continued billing me statements where from XXXX when I had still been paying at the time and had proof of nine payments after that date at which time they said they would look into it once again but they where disregarding my whole modification and payments which I had received prior and accepted through XXXX prior to being transferred to select portfolio services. I was told the only resolution would be to contact their attorneys XXXX XXXX XXXX to ask for a reinstatement amount. I called in my payments monthly to select portfolio who drafted the funds from my account and was never told of a problem before XX/XX/XXXX when this problem began all my calls where recorded by select portfolio with my permission and all I did was plead with them to look into my payment history which they never did. that proves I was already paying prior to these calls. my modification originated through XXXX which I accepted and continued paying they are now stating I failed to accept a modification offered to me in XX/XX/XXXX in the amount of {$1300.00} when I was paying {$1900.00} since XXXX XXXX and XXXX and continued to pay through XX/XX/XXXX I would have definitely took advantage of an offer saving me an additional {$600.00} a month. all I want is that my original modification be honored as agreed by myself and XXXX.select portfolio services stated to me that they do not honor modifications and do not offer them either if you look throughout this whole ordeal they have never themselves offered me any modification.

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