Consumer complaint received 2018-10-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Re : To Whoever May Be Interested In Select Portfolio Illegal Activities ... 

Hello, My mortgage account # XXXX is reflecting illegal activity under abusive practices and unfair treatment. For the first time since XX/XX/XXXX, XXXX XXXX XXXX has added my previous mortgage co-borrower after successfully having settled my home modification with one signature, my only signature, " XXXX XXXX '' back in XX/XX/XXXX as agreed by the previous HAMP modification I was currently entitled to as a participant from previous program. 

On XX/XX/XXXX I sent an email detailing who is the owner of the account XXXX at Select Portfolio Servicing Inc, which is only me, " XXXX XXXX XXXX XXXX '' with loan agreement, legal documentation that supports and provides evidence that I am the ONLY owner in account # XXXX with new investor with Select Portfolio Servicing. Previous agreements with " XXXX XXXX XXXX XXXX '' ( Now " XXXX XXXX  '' as bank got acquired ) conducted in XX/XX/XXXX provides clear evidence that I was the ONLY owner paying the mortgage, which Select Portfolio REFUSES to change and now, since XX/XX/XXXX, all of a sudden has " XXXX XXXX '' appearing as co-borrower of account XXXX after successfully signing documentation in XX/XX/XXXX with " XXXX XXXX XXXX XXXX '' that releases her from any debt or responsibility from my current loan with XXXX XXXX XXXX. 

Legal documents were sent in XX/XX/XXXX, Select Portfolio Servicing confirms they received documents in XX/XX/XXXX via email successfully and it'll be close to 60 natural days without receiving any kind of " co-borrower '' change from my Select Portfolio Servicing Inc account and my credit is showing I have a " joint '' account which is false. Select Portfolio Servicing Inc., continues their abuse once again under my account and before seeking legal damages I'd like for Select Portfolio Servicing Inc., to promptly response before taking this manner to Federal court for abuse practices, illegal activities/fraud and civil damages. 

I look forward to ConsumerFinance.org assistance. I submitted a case back in XX/XX/XXXXand Select Portfolio Servicing responded within 2 business days with a prepared home modification approval after having numerous supportive evidence of illegal practices from Select Portfolio Servicing by mail stating the obvious abuse of banking abusive practices. My mortgage got approved with the HAMP program back in XX/XX/XXXX and I did fall behind for 5 months. Now Select Portfolio Servicing is following up again with their illegal practices. I will win again with your assistance ConsumerFinance.org, I've all supportive evidence required to make this happen. 

Added notes : XXXX XXXX NEVER signed an agreement with Select Portfolio Servicing Inc. She is illegally sharing " co-borrower '' ownership of my mortgage when Select Portfolio Servicing Inc and current investor of my mortgage never agreed to any deal of home loan modification with either " HAMP '' or Select Portfolio Servicing Inc. All required proofs has been submitted to Select Portfolio Servicing Inc. , for immediate action and nothing has been achieved since XX/XX/XXXX when SPS account representatives confirm multiple times having received proof of documentation. 

Looking forward to your assistance. 

Sincerely, 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