Consumer complaint received 2017-11-17
Company: Select Financial Services, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My problem actually begun back in XX/XX/XXXX after my spouse XXXX on XX/XX/XXXX. Immediately I began to get letters from XXXX them mortgage collector XXXX about foreclosing on my property. My property address XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX. At that time I was married, My spouse is XXXX now. WE had purchased this home and moved in on XX/XX/XXXX. The cost was {$120000.00} with an interest rate of 8.85 %. We accepted this because we could not get a better deal at the time due to both our credit. And my spouse had his own business and was doing quite well at that time. 

In XX/XX/XXXX I had a company try to help me get the loan modified but the XXXX people would not return the calls from the company called XXXX XXXX XXXX XXXX XXXX ( XXXX ). The only thing they were able to do was to help get my spouses name removed from the deed and the city and county tax records, in case at a later date I was able to get XXXX to work with me.. Though they continued to send me letters threatening to foreclose, I made my mortgage payments and tried to find a way out. The way out was to refinabnce the property and get out from under XXXX. I was unable to get the property refinanced because I had a bankruptcy from XX/XX/XXXX. And because of the value of the property versus what was still owed on it. 

So I had an independent appraisal done and discovered the property was only worth {$72000.00} and I still owed {$100000.00}, and I had recommendations to try to get the company to do a loan modifcation, XXXX said no. Said the original owner would not agree. So short sale or deed in lieu, pay it off. I could not pay it off. So the collection attempts continued. 

Anyway before they passed my contract to my current collectors XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I had them to send me a copy of all my payment records, I had only been late once in the 20 years. Which is why I could not understand them trying to foreclose and take my home I was not behind or ever late. But I finally agreed to a Deed in Lieu, and then everything changed when XXXX took over. 

I had already purchased a new home by the time they told me in XX/XX/XXXX that they would not agree to a deed in lieu. I tried to have the realtor who sold me my current home to do a short sale on the property, but my realtor got back to me and said XXXX would not work with them. They asked what should they do. I said nothing I could do. 

Eventually they said we could try to do a deed in lieu. I was bombarded with forms with the same forms to fill out and to send to them. At first their main sticking point was my spouses estate. My spouse had no other heir but me, so his name was removed from the the property. But XXXX insisted on 'paperwork '. Finally after many attempts to get them to accept his XXXX XXXX ( They had asked that when I send it in to them the third and fourth times to make sure I put the account number was on the certiciate,. But when I asked specifcally what was wrong with the certificate, why they were not accepting it. I was told by writing on it that made it a voided document ). I sent 7 copies to XXXX of my husbands XXXX XXXX to them and I was only told on XX/XX/XXXX that the issue of the XXXX XXXX was resolved. 

Yet we proceeded on with the deed in lieu, And at one time after several people showed interest in buying the property I contacted XXXX gave them the names and information they requested on 2 separate realtors, but no one was ever allowed to work with XXXX toward a short sale. Then back to the deed in lieu because you can not have someone try to short sale if you are working a deed in lieu. So we tried to do a deed in lieu again and I was bombarded with forms to fill out. However when I sent in the forms the main sticking point was my spouses estate. For months I tried to get a lawyer but just could not afford one to get me in court to get the estate probated. Fimnally I was advised to call the court and explain my situation the fact that I could not afford a lawyer and ask if I could get in court. But probate court clerk said the process had been completed, there was nothing else to be done and there would not be a court date. The XXXX people told me at one time they had spoken to my souse and that 's how the knew I was a fraud. Thats why after I finish speaking to them some of the people there do n't want to speak to me again. Anyway the process that had been done is sometimes done when there is only one heir. They told me where I could find information about the type of procedure that had been done on line and give it to XXXX. I found the information and sent it to them but since they never acknowledge exactly what they responded too when I 've sent them information. And they never said anything else about it I did not know til now that the issue is resolved. I only found out because they keep calling me sometimes twice a day, they send me uninformative letters sometimes 3 a week. But after contacting the better business bureau the Onbudsman from XXXX did contact me and said at least the issue of my spouse is resolved. But all the forms that I have sent by mail, FAX email and on their site has a shelf life and may have to be done over, I explained that my tax returns form XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX will not change no mater how long they keep them. And I have filled out so many Form XXXX XXXX, & XXXX for my tax info from the IRS, I can not believe they will send them again. Likewise my income information, All my income is from the XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. I have sent them the printed information directly from these agencies and they will not change in a year. This too is harassment. Whatever info on Home Affordable, or HUD forms will not change. The reason I am at this point in my life will not change. I still do n't have anyone who is obligated to help me pay my bills, I am still XXXX XXXX XXXX and not self employed The only thing that will change is my bank information. If they ask for a copy of a statement on the first I might have {$8000.00}, but on the second or third not so much because I have to pay my bills. So there might be {$1000.00}, but I am not interested in putting one red cent into that property. But effective XX/XX/XXXX I will send them a copy of everything I have signed inlast 60 days every tax form, bank statement and copis of the 10 pages of info I sent on line. Have it copied and ready to drop in the mail as soon as post office opens. By regular mail I caanot afford certified mail just to have them tell me ythe initial on the form does n't belong to anyone who works there. 

Recently ( XX/XX/XXXX ) while working on refinancing my new home XXXX was contacted about the amount owed on my property that they are managing, XXXX had my mortgage Co. get me on the phone before they would give them the information. That was fine except while the mortgage company was clearly still on the phone XXXX rep told me that my property was in foreclosure and the date of foreclosure was being sent to me as we spoke. When I asked what about the new deed in lieu we were working on? That I just completed the paperwork online the night before. since the paperwork from XX/XX/XXXX was decided they could not do the deed in lieu. He said 'oh yes I see we have an application ''. So my new mortgage company representative asked that person point blank " Sir do you have an application on file for the deed in lieu and is that package complete ''. The XXXX representative said 'let me verify ' then came back and said 'yes we have everything we need '. On XX/XX/XXXX I was asked for another hardship letter, a new Request for Assistance form. Thats the last letter I have received but the phone calls keep coming always some scare tactics or just hangup when I answer. 

I am not the first last or only person they have done similar things too. I t seems whenever a loved one XXXX thats when the problems start. This company should be stopped from the way they are handling cases. I know each case is different but I like every peson they are swindling know their case is individual. They can not or should not be allowed to handle ever case by thhe same standards. I am only concerned about this one my case. Before I moved I was never late or missed a payment with this mortgage from XX/XX/XXXX-XX/XX/XXXX. I bought another house and can not afford two homes and have no desire to manage a rental property. I have too much invested in that property and do n't want it ruined by a renter. 

I have paid my own insurance and taxes on this property and still pay them now for 22 years and I still owe {$100000.00} I personally paid for a private appraisal before I decided to vacate my property and discovered it 's only worth {$72000.00}, that 's when despite of a {$12000.00} bathroom for XXXX I had put in in XX/XX/XXXX, brand new stove dishwasher and Refrig I put in in XX/XX/XXXX. New Hard wood floors in XX/XX/XXXX, security system furnace and Air conditioner. I decided I had to move on. I have been trying to unburden myself with this property actually since my spouse XXXX, that 's when they first started to talking about taking my home. Now all I want to do is give it to them and they are harassing me and delaying and checking my credit reports and making sure my credit is ruined and still have not done a thing to move forward. I am so sick tired, my medical problems are starting to increase from XXXX  suffering over this process, I just need help. PLEASE. I do n't want to XXXX and leave this burden on my children.

Company response to consumer: Untimely response