Consumer complaint received 2018-05-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Sent from my XXXX Begin forwarded message : From : " XXXX XXXX XXXX '' <XXXX> Date : XX/XX/XXXX at XXXX XXXX EDT To : " XXXX XXXX XXXX '' <XXXX> Cc : " XXXX XXXX XXXX '' <XXXX> Subject : Fwd : sps mortgage XXXX complaint Begin forwarded message : From : " XXXX XXXX XXXX '' <XXXX> Date : XX/XX/XXXX XXXX XXXX Subject : XXXX   XXXX XXXX complaint I am writing this complaint to you regarding my mortgage servicer SPS. I have been trying to work with them now for 3 years XXXX XXXX was my previous relationship manager, and countless mistakes were made, a missing pymt that they lost and when they found, it wouldn't stay applied to the account. the copy that you have of the XX/XX/XXXX modification was not the final one due to so many internal mistakes made by the company on my account. XXXX was suppose to stay on board for a few months after but disappeared immediately. during the trial period full payments were made not partial or the the smaller amount required, I was told after that if full payments were made that would have created a shortage and would not have been acceptable. I am medically disabled since XX/XX/XXXX un paid.. payments not until XX/XX/XXXX. I went to SPS for mortgage assistance seeing my income is not as it used to be and on disability. The modification that I was given was more then the amount of money that I take in on a monthly basis and was forced to add my hazard insurance into my monthly payment. I was upset and complaining to them about everything! This wasn't working for me at all and in XX/XX/XXXX they allowed my hazard insurance to go to a hard cancel status. When I received this notice I became so furious i went to my agent and paid the balance in full for the year. I notified them in writing that i wished to have my letter forwarded to the invester, all was ignored! Things were not going well as to be expected at the end of XX/XX/XXXX and I got another hazard cancellation for XX/XX/XXXX-XX/XX/XXXX year. I was upset and called pretty mad with another canellation, i told them to pay the smaller amount and I would try to get the fees waived, they paid the higher amount. I also brought up the fact that the modification still had my ex 's name on it, and wasn't working for me, again I requested extra help to fix the mess of XX/XX/XXXX. I was told a re payment plan was all that could be offered at XXXX  per month to which I had to reject immediately. my new relationship manager is.. XXXX XXXX at XXXX ex XXXX in XXXX XXXX XXXX . XXXX XXXX spoke with me for the conversation when I rejected the offer and he is a supervisior in XXXX XXXX XXXX. He offered what he said was all left was to take final balance of {$200000.00} inc balloon and divide by number of pymts left my interest rate is 3.5 %. Family caculated this payment out and said going to be too high, call and see if they will give you a 30 year term. I went to call and in that days mail came the rejected offer! More Confusion, when I called XXXX said investors said no and they want this 12 month re payment plan of over XXXX per month same terms with 40 plus thousand balloon due in XX/XX/XXXX. im trying to keep and pay for home not loose it and be foreclosed on.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation