Consumer complaint received 2020-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
FYI-I have the money to pay to get out of foreclosure so this is not about me trying to get something for free just because. I have had to quite a few things to get almost $ 10k and I shouldn't have to. This shouldn't be allowed. 

My mortgage was sold to SPS in XXXX of 2019. My house payment is automatically taken from my bank for the mortgage every month. In XXXX, I called my house insurance to get a monthly price of what I was paying and found out that my insurance had not been paid ( It's escrowed ) for so long that they dropped me and I didn't have house insurance. I called XXXX XXXX XXXX XXXX  and they informed me that they didn't have my mortgage and SPS had it. So first off, no one paid the the insurance. Secondly, my payments were still being sent to XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX  sent my payments from XXXX to XXXX to SPS but discontinued after that. I spoke to SPS and asked them if they could help me get the money from XXXX XXXX XXXX XXXX  and they said that they could not because it wasn't a situation where the payment was just " lost ''. Upon further investigation the funds started coming back into my account at the bank around XXXX without any notification. I have alerts on my phone for anything taken out and deposit but it was a reversal so it didn't alert me. I offered to show proof to SPS that I never stopped making payments and they were made every month on time ahead of schedule ... just to XXXX XXXX XXXX. They wouldn't tell me what to do other than they needed all of the payments. In the meantime, I had to search around for more house insurance so we were covered. They wouldn't accept payments from me unless it was the full amount from XXXX, XXXX, XXXX and so forth. I have not received any calls from SPS but have kept in contact with them. In XXXX I went online to see if I had a case manager yet ( I didn't ) and started playing on the website where I found a document giving me the option to pay XXXX, XXXX and XXXX and then regular payments after that for a modified mortgage. I tried to pay at the end of XXXX and was told I couldn't because It started in XXXX. No one told me this modified offer. No one called me and no one emailed it to me. So now we are up to XXXX. They still won't accept my money because it is not paying it off. I finally spoke to someone who helped me. The amount due was {$6600.00} at that point although my monthly payments missed added up totaled around {$2400.00} give or take since my insurance wasn't paid. I explained that I work full time 50 hours a week with a commute of no less than 2 1/2 hours a day every day. I am a single mother of a  XXXX year old and XXXX XXXX XXXX year old who  is considered XXXX currently. She spent 6months in the hospital at which time, I still made sure that every bill was paid for by depleting my 401k since I couldn't work due to having XXXX   while XXXX. She was born at 25 weeks XXXX. The woman was understanding and put me on hold. She came back and said she spoke to someone and was told if I could pay {$4200.00} that would stop the XXXX Foreclosure sale of my home, my children 's home. The rest could be paid monthly in extra payments with my normal monthly payment. I specifically asked her by when and her response was, " Well I mean I'd get it as soon as possible since it sale is XX/XX/XXXX. '' I thanked her and told her I'd get it. At the end of XXXX, I called in to get the wire information to send the money and was told they wouldn't accept it because it was not the full amount. I explained to her the conversation that I had prior and she just kept telling me that they would never have said that. XX/XX/XXXX. I called once again to get it paid and was told again that there is nothing that I can do unless it is in full. In fact, NOW they want {$8600.00} from me to save my home, my babies only home they know. I can't refinance anywhere because of medical bills and also now it shows on my credit report that I haven't paid my house payment in months. Me and my children are going to be living in my car because they DOUBLED the amount owed within weeks. Even with all the wrong doings between XXXX XXXX XXXX XXXX and SPS, I still wouldn't have sent complaints in but they are strong arming me out of my home and giving me unrealistic pay offs. All I want is for them to accept my {$4200.00} and let me pay the rest off by paying extra with my monthly payments as agreed upon 2 phone calls ago. Let me save my home. Give me a chance that they won't take off of me last second like they have. I have never been told so many times that someone wouldn't accept my payments. 

To whom it may concern, I spoke to the company again on Friday the XXXX to find out they jacked the price again. 

I havent received anything. I called today and they dont see where they mailed a letter or where they were supposed to. She offered to give me the quote and low and behold the amount was jacked up again to {$9000.00} XXXX. 

How am I suppose to ever save my home if they jack it up {$500.00} every 3 business days????? 

XXXX XXXX XXXX

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