Consumer complaint received 2017-02-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Good afternoon, I 'm desperate to reach you regarding an issue with a mortgage bank who has been extremely predatory ... so much so, that I am on the cusp of losing my home. To make a long story short, my husband passed away after a XXXX year illness that took nearly everything from us. We were foreclosed upon, and thankfully XXXX from the XXXX saved our home. In the process though, our interest rate was elevated to nearly 10 %! 
My husband died XXXX years ago this coming XX/XX/XXXX, and I 've desperately tried to refinance, qualify for other financial programs to no avail. My credit was destroyed by delinquencies related to medical bills, medical treatment, bills going unpaid so we could purchase my husbands medication, travel cost out of state for his treatment, etc. I am unable to refinance because of my credit score. 
In XX/XX/XXXX I started the process with my bank to qualify for HARP ... I 've submitted the required documentation over XXXX times, by fax, certified mail, regular mail, and mostly - electronic upload directly to them. 
EVERY TIME, despite filling out this required paperwork ( XXXX sections ) with representatives of the company, who took pity on my situation after multiple uploads .... who assured me every I was dotted and every T was crossed ... .that there was " no way they can say you do n't have all the required documentation turned in '' ... THEY DID! 
For 14 months now I have called, faxed, uploaded, mailed, filled out, re-filled out, re-re-filled out, re-re-re-filled out forms, the same ones over and over and over and over again .... and 14 months later I have not had any success in qualifying, being approved, being helped, or reaching any relief for my family and I. I 'm paying nearly {$1900.00} a month for my house not including taxes and insurance! I owe more now than I did when my husband and I refinanced it 14 years ago! We 've owned our property since XX/XX/XXXX ... it 's all my children and I have left ... my husband and I worked so hard for what we have, and because of predatory lending/banks ... .I 'm about to lose it all! 
XX/XX/XXXX the HARP program ended .... I was no closer to being approved on XX/XX/XXXX than I was when I started the process in XX/XX/XXXX. Now into XX/XX/XXXX I 'm nowhere closer to ending this nightmare than I was in XX/XX/XXXX I 've had two relationship managers, the 2nd seems to be a little better than the first, but it still has not helped me. When I call his direct extension he has NEVER answered and he does not ( I 've been told multiple times ) have voicemail. On a request for a callback from him dated XX/XX/XXXX - I finally received a call back, NOT from him, but a representative who knew nothing more than I did ... on XX/XX/XXXX 
I 'm now desperately trying to qualify for the HAMP, but I 'm fearful that if this continues, I will be losing my home to foreclosure before that ever happens. It 's evident the bank DOES NOT want to help me, and I 've run out of options. I 'm raising my family alone, I 've tried everything I know to do to get this done and frankly, I 'm losing. I need help. Please, please tell me you know how to get this mortgage company to do what they 're morally, ethically and federally required to do. I 've about reached the end of my rope ... .. I ca n't take anymore struggle, stress and continued disappointment and worry. This is not the American Dream - it 's a nightmare. 
Thank you and Best Regards, XXXX XXXX XXXX

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