Consumer complaint received 2020-04-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX, I submitted an RMA Select Portfolio Servicing. 

During this process, SPS mortgage servicer continued attempts to proceed with a foreclosure sale while a loan modification application is still under review. 
RMA application XX/XX/XXXX with an Active Foreclosure sale simultaneously. DUAL TRACKING LAW VIOLATION. 

SPS has delayed communication and document submission to FORCE Foreclosure while they have submitted paperwork to proceed without homeowners ' knowledge and ASSURING ME THAT WE ARE PROCESSING YOUR RMA APPLICATION. 

Before the account was referred to an attorney XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX NC, we have received confusing information from each representative about the RMA process, and one thing is consistent our home is in Foreclosure during the application process. We have submitted information and a detailed repayment option. 

SPS filed a request for a complaint by the city of an inspector to inspect our home on XX/XX/XXXX, during the RMA modification application. 

SPS Select Portfolio Service and XXXX XXXX XXXX XXXX sent a letter dates XX/XX/XXXX Foreclosure sale XX/XX/XXXX. We are confused about how our RMA is being processed unbiased as it has been giving to an attorney with a {$1500.00} legal fee to begin the foreclosure process during the current RMA. When i question the fee it was reduced to {$400.00} SPS has also started the Foreclosure process before 120 rule ; SPS started the process is XX/XX/XXXX. Please explain how the foreclosure process has begun on our home before the 120-day default rule. 

SPS Customer Service rep. SPS has not reviewed the submitted documentation and continues to delay the RMA application while simultaneously Forclosing and sending inspectors to my home. SPS did not provide loan modification options. 

Lastly, we have submitted a notice of errors and requested clarification about the RMA and Foreclosure process. simultaneously. SPS has not responded to the request and avoided the question by delaying paperwork. 



SPS to review the submitted documentation and respond to RMA application. 

Specifically, we are requesting the following information : 1. A payment history or schedule that can be easily read and understood listing the dates and amounts of all payments and transactions credited or debited to our account, including any escrow account and any suspense account, and showing how they have been applied or credited, or, if not applied, showing how they have been treated ; 2. A breakdown of the amount of claimed arrears or delinquencies on our account, including an itemization of all fees and charges you claim are currently due ; 3. An explanation of how the amount due of XXXX on the Monthly Billing Statement datedXX/XX/XXXX to present was calculated and an explanation of why this amount was increased to {$1500.00} fee in the most recent Statement and foreclosure notice dated XX/XX/XXXX 4. The payment dates, the purpose of payment, and recipient of any foreclosure fees and costs that have been charged to our account or have been advanced on our behalf since Select Portfolio Service 5. The payment dates, the purpose of payment, and recipient of all escrow items charged to our account since Select Portfolio Service ; 6. A breakdown of the current escrow charge showing how it is calculated and the reasons for any increase within the last twenty-four months ; 7. A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus, that were sent to us within the last three years ; 8. The current balance in any suspense account as of XXXX to XX/XX/XXXX and the reason why such funds were deposited in the account ; and 9. Any notes created by you personnel reflecting communications with us about our mortgage. 
10. Please explain how the foreclosure process has begun on our home before the 120-day default rule. 
11. Please explain our active RMA application XX/XX/XXXXwith an Active Foreclosure sale simultaneously. DUAL TRACKING LAW VIOLATION. 
12. WE UNDERSTAND SPS SELECT PORTFOLIO SERVICES REJECTS ALL DOCUMENTS SUBMITTED AS INSUFFICIENT TO A COMPLETE APPLICATION TO BEGIN ILLEGAL FORECLOSURE! 

Also, on XX/XX/XXXX, we submitted our Profit Loss statement to RMA application to Select Portfolio Servicing, which had been servicing our mortgage. Our concerns have not been addressed regarding the RMA and Foreclosure process simultaneously. Although we informed one of your customer service agents of the error, our XXXX statements show a foreclosure sale on XX/XX/XXXX, during the RMA process. Please correct this error. 

Lastly, we have submitted a notice of errors and requested clarification about the RMA and Foreclosure process. simultaneously. SPS has not responded to the request and avoided the question by delaying paperwork.

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