Consumer complaint received 2019-02-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I received an offer for Mediation through the State of Oregon Foreclosure Prevention program. 

I filled it out and sent it back there was some confusion with my understanding of this process. I do have a XXXX XXXX XXXX as a result of an accident. This s part of the problem. 

The concern I have is that I sent in the reply for mediation, without the fee, as I don't have the money. I explained on the phone to XXXX. XXXX a case manager for the State Program. 

She told me they never received my reply with the money by the deadline. Okay, I told her I had read on the form that if I was low income or having financial difficulty the fee could be waived. She told me No, it could be reduced. 

I asked why they didn't respond to my request for a waiver. Then she said they never got the reply. I asked since they are an earlier file why did they email me. She told me they can not email people without permission. How baffling, I can't believe it. 

She emailed a copy of our conversation which I will include. I need to get a mediation for my situation. I have a job as a XXXX XXXX XXXX now but due to a XXXX XXXX problem, I am undergoing a test to address it. Therefore, I am not able to XXXX XXXX XXXX until it is corrected. 

Also, I am on appeal for the Stolen Car Hit and Run while on the job. I do not expect to lose my appeal but who knows. The date is XX/XX/XXXX. I am trying to find another job in the meantime. I have been doing XXXX XXXX XXXX for 20 years until my XXXX and lost my income. I am a XXXX XXXX with a XXXX daughter. I have 19 years of education and I am plan on working more, I just need to get more time to get back on my feet and this is why I needed the foreclosure avoidance. I can't believe this rationale from the State of Oregon that there is nothing they can do. I was in the meeting that  created the program. The people who are maning the mediation program seem all to ready to throw the homeowner under the bus and give the banks a run on homeowners, again. 
Thank you XXXX XXXX CASE # XXXX XXXX XXXX XXXX Attachments XXXX XXXX   ( 37 minutes ago ) to me Dear XXXX. XXXX : Thank you for contacting Mediation Case Manager in regards to receiving a copy of the Certificate of Compliance for your file. 

I am truly sorry that you are dissatisfied with the OFA Program. To be  clear, Oregon law requires MCM to issue a certificate of compliance to a beneficiary that meets certain narrow requirements. The beneficiary met those requirements in this case. MCM does not have any legal authority to reopen your case. 

Per our conversation today, as I understood you, you stated you were not informed that you had to send a fee. You also told me that you mailed our notices back. You feel that a Certificate of Compliance should not have been issued and you feel that since you did not understand the notices and the requirement to pay a fee by the deadline of XX/XX/XXXX, that you should be allowed to participate in the Oregon Foreclosure Avoidance Program and meet with Select Portfolio Servicing , Inc .

Per your request I have attached the notices, the State of Oregon Foreclosure Avoidance Program Notice of Resolution Conference dated XX/XX/XXXX and the Final Notice dated XX/XX/XXXX. Those notices were mailed to you as of the date on the notices. I have included the additional documents that were included in your initial notice, the Notice of Resolution Conference. As you can see, the information on how to participate and the deadline date are there as well as our contact information. 

I am sorry that you missed your deadline. Please continue to work with XXXX who can assist you to evaluate your options and work with you and your lender. 

You may also reach out to the Oregon DOJ. You may do so online at : XXXX XXXX XXXX. 



You can also contact XXXX XXXX at XXXX or email at XXXX at the Department of Justice. XXXX is my point of contact for consumer complaints in the OFA program. 

Kind regards, XXXX XXXX

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