Consumer complaint received 2021-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live in a home at XXXX XXXX XXXX in XXXX XXXX OHIO XXXX. I have a confidential address with the OHIO secretary of state. SPS wants me to find XXXX XXXX in XXXX. XXXX XXXX says she needs his XXXX Bank statements and signature in order to get approved for a modification or any program. 
I am not able to get any information on what BANK owes my home. I am told my SPS that XXXX is the " BANK '' In a foreclosure seeking XXXX and XXXX XXXX and his wife XXXX or Unknown Wife ... ... ... .I see that XXXX XX/XX/XXXX is taking XXXX XX/XX/XXXXto court in a foreclosure. 

SPS states that its to difficult to explain " who ownes the loan '' Im looking to the Defendant in this action to contact me and to let me know " who owns the home '' The filling is for 2 parcels and there is only one parcel. SPS refuses to remove XX/XX/XXXX ... ... .I have XXXX XXXX insurance. 

I am on the deed of the property. 

I have a court hearing tomorrow in regards to an item on my husbands credit that is court ordered by a 3rd party to pay and has not for the reason we have not refinanced yet. We are settling a matter and hope to resolve this matter. SPS is involved with several class action law suits. 
On XX/XX/XXXX, my husband XXXX XXXX and I recorded and video taped SPS Ombudsman XXXX XXXX walk me through a XXXX on line on the SPS web site. MOST of the information to fill out was blocked. She told me to put in that I had to type XXXX $ in the Mortgage Insurance line ... ..meaning, she told us to type in Lenders placed insurance in the line of XX/XX/XXXXXXXX. I told XXXX XXXX that we had our own home owner insurance XXXX XXXX, ,she said NO do NOT put that in ... and she stated to change it some other day even though I submitted the XX/XX/XXXX XX/XX/XXXX with wrong info and WE DID WHAT XXXX XXXX said at the Ombudsman told me to. XXXX XXXX SPS summited an answer to a complaint and was very misleading, claiming that the RMA was to be withdrawn,,,,, ,SPS sent a letter stating I XXXX XXXX requested the XX/XX/XXXX to be withdrawn. I NEVER Requested the XXXX to be withdrawn. I AM requesting the XXXX that XXXX XXXX at SPS had me submit on XX/XX/XXXX to be marked as UNDONE ... I will fill out a PAPER XXXX VS the inaccurate XXXX that XXXX XXXX at SPS ombudsman had be XXXX way fill out ... she said " I can change thing on my end '' We do NOT want anyone tampering with our application or changing information that WE DID NOT type. 
Reading SPS response to a complaint I submitted to the XXXX XXXX, the response was displayed on XX/XX/XXXX. SPS stated in this response that I XXXX XXXX spoke to SPS on XX/XX/XXXX. I DID NOT speak to SPS on XX/XX/XXXX. I spoke to XXXX XXXX at SPS on XXXX XXXX XXXX and recorded the conservation and video taped it on my XXXX under ME ONLY..so its private ... settings. 

Im sufficiently concerned about this occurrence and what we recorded and video taped with XXXX XXXX on XXXX XXXX XXXX. 
SPS took CARES ACT FUNDS XXXX $ that were sent XXXX XXXX XXXX and cashed it in and applied it to back due amounts NOT current months. XXXX Fair HOUSEING called SPS with XXXX XXXX and wired more funds and then SPS sent it back ... the 2nd round of cares act mortgage funds was returned because SPS did not want to make a deal.

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