Consumer complaint received 2021-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am having difficulty with SPS - Select Portfolio Servicing , Inc . I am the Estate Adminstrator/Heir of my mother 's property. During the beginning of the Covid 19 Pandemic I was sent a letter in XX/XX/XXXX that my mother 's estate would be placed into foreclosure and auctioned ; which I felt was extremely predatory since the entire nation was shut down and inactive. The notice was not from the mortgage company ; but looked like it was some type of legal advertisement. I shared the information with the attorney from the Land, Loss Prevention Program. I was informed not to take it seriously and that sometimes they send out these type advertisements and that if it were a true document I would also receive information from the mortgage company. I live in a marginalized community where gentrification has taken a strong hold. We only have an 18 % African American population and I am uncertain how many are homeowners ; but the gentrification process has created a massive exodus of original residents due to home foreclosures without assistance. 

From XX/XX/XXXX- XX/XX/XXXX I made double mortgage payments each month. My employment hours changed in XX/XX/XXXX so I continued to make the {$780.00} one time payment through XX/XX/XXXX since I was no longer able to make the double payments with other household responsibilities. Payments were always sent via bank wire and were accepted, I never received a letter stating they would not accept the monthly payments after I stopped making double payments. In XX/XX/XXXX, I sent the regular {$780.00} payment. I had spoken with a representative just to get clarity on the amount owed because often the statement amount and what they would share over the phone would be different. I shared that my hours increased at work and I would be able to continue double payments. I was informed by the representative that I needed to pay {$4000.00} within 3 weeks and that the {$780.00} that was sent would be returned. I explained that I would be making two additional payments in XXXX for {$780.00} which would have been more than half of the balance owed. I shared by XXXX with another two payments would cover what was delinquent. In XXXX they returned the {$780.00} and stopped taking payments. 

I am in the process of trying to become the Successor In Interest but each time the application is returned with an issue and I have sent the requested documents. In addition, I was recently sent a text on XX/XX/XXXX by a local realtor who flips houses and stated he saw my mother 's estate up for auction in late XXXX. I expressed that he was mistaken because I haven't received anything from SPS eluding to a hearing or a foreclosure. I was really disturbed because the public was aware and not me as the administrator. 

The Home Owner 's Insurance has never lapsed and comes in my name. The taxes come in my name and the mortgage payments. This summer the home owner 's insurance company contacted me and informed that an attorney 's office had called to tell them to cancel my policy. They were disturbed by it and contacted me because they felt it was suspicious and wanted to alert my attention. 

I just feel as though they intentionally wanted me not to get caught up with the payments so they could surreptitiously do what has always been done to families in marginalized areas trying to save their homes. I have no intention on selling. I would like to keep my home and I feel that I was diligently demonstrating trying to get caught up. I did make a hardship request that I be allowed to pay the {$4000.00} that was originally delinquent by the end of XX/XX/XXXX ; but I have not received a response. The punch to the gut is that my mother 's home that she built from the ground up is being scheduled to be auctioned on her birthday. 

If you could provide any support on my behalf I would sincerely appreciate it.

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