Consumer complaint received 2016-05-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, I hereby file a complaint/dispute against Select Portfolio Servicing , Inc. on behalf on the grounds of violating my Consumer Protection Rights under the law of the FDCPA and FCRA. On XX/XX/2016 I spoke to XXXX XXXX XXXX of SPS regarding the short sale of XXXX XXXX XXXX, XXXX, IL. in a recorded conversation I was faced w/a nasty attitude and told me it was set for foreclosure. I then called back on XXXX/XXXX/16 along with my realtor XXXX XXXX of XXXX XXXX and spoke w/XXXX who then transferred me to a XXXX XXXX, Loss Litigation & her Supv. XXXX XXXX of SPS in a recorded conversation that said the short sale was denied because my attorney 's office along w/my realtor did not get proper change of buyer forms in by XXXX/XXXX/16. This was untrue as all of this information was submitted accordingly. They went on claiming that we could not close and have a short sale in which I was entitled to {$10000.00} under the HAFA which is in writing. Proof of funds was there by XX/XX/2016. My attorney 's office ( at that time ) also called SPS & explained everything was presented accordingly. SPS continued to give all of us the runaround purposely. SPS kept pursuing " Cash for Keys for {$3000.00} instead ''. Prior to this, SPS had faxed to XXXX XXXX, XXXX XXXX, Realtor that the Short Sale had been approved by XXXX XXXX XXXX, Senior Vice President of Select Portfolio Servicing, Inc., and all they needed at that time was hardship letter which was submitted XX/XX/2016. For approximately 2 weeks I did not hear anything from SPS and neither did my realtor since XX/XX/2016. Then I received multiple letters DATED XX/XX/2016 but not RECEIVED UNTIL XX/XX/2016 postmarked XX/XX/2016 ( pre-dated on letter ) that SPS and their attorneys XXXX XXXX XXXX had scheduled another Foreclosure date of XX/XX/2016 instead of a Short Sale although SPS would tell my realtor differently as she spoke to several different individuals at SPS and had her resubmitted paperwork including current utility bills for a short sale. I went into the hospital on XX/XX/2016 to have a procedure as I am a XXXX XXXX. On XXXX I called and finally got this alleged XXXX XXXX at XXXX XXXX and tried to explain to him I was in the hospital which was relayed by my realtor, I was disputing the foreclosure and wanted to know what I could do since I was told they needed 38 days for a Short Sale, XXXX XXXX was very nasty and short with me and said it was nothing for me to do but to accept the " Cash for Keys for {$3000.00} '' ), I told him this was wrong because I did not even received all XXXX letters until XX/XX/2016 and that was LESS THAN 30 days notice for me the consumer and property owner notification of a foreclosure and it was n't fair and violated my consumer rights. He said he did not care and that was not his concern or problem and SPS would give me 30 days to vacate and kept saying it was my realtor 's error in which it was not as different ones gave her the runaround and told her a short sale could be pursued. I asked to speak to XXXX XXXX 's Supv he REFUSED to allow me to speak to his Supv named XXXX XXXX. I asked for XXXX XXXX ext. again I was REFUSED by XXXX XXXX, Relationship Manager of SPS and was very nasty. I spent a hour on the phone with SPS in a RECORDED conversation. I told him that SPS was Extortionists and I wanted to file a suit in Federal court he told me he did not care and do what I have to do. I told him that records from SPS needs to be subpoena and recorded conversations as well because SPS gives the consumer, the realtor and attorney the runaround when trying to get a resolution of the situation for a delay and extra time for the short sale. XXXX XXXX told me again, he did not care and do what I had to do. I wish that an Investigation of deceit, fraud, mishandling, fake people can be open up by the Federal government on SPS. I just need more time for Short Sale.

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