Consumer complaint received 2015-10-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
SPS is trying to foreclose on my house and not reading the documentation given to them by the short sale lawyers and the closing company. 

XXXX : A voicemail message was left by a XXXX XXXX with SPS which uploaded over the weekend to my voicemail. His phone call was returned this morning after I called the short sale department. The documentation has been confirmed received but not reviewed or accepted. This was confirmed by the short sale team, XXXX in Customer service and by XXXX XXXX in the complaint department. In addition, XXXX has placed a stop on calls to the borrower and to be directed to me. However, all communication can not be interrupted, so you will still receive communication by mail. 
I will follow up on Wednesday to see if have finally accepted the buyers bank statement as proof of ability to purchase. 
I will be reaching out to you at this time. 

Yours, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, VA XXXX Efax : XXXXXXXXXXXX : XXXX, XXXX XXXX XXXX : XXXXXXXXXXXX ] Sent : Monday, XXXX XXXX, XXXX XXXX XXXXTo : XXXX XXXX XXXX & lt ; XXXXXXXXXXXX XXXX ; Cc : XXXX XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; Subject : RE : SPS problem please give them what they need gthis urgent!!!!! ASAPPlease keep me updated and if SPS has contacted you or if you made contact. 

ThanksXXXXFrom : XXXX XXXX XXXX [ mailto : XXXXXXXXXXXX ] Sent : Sunday, XXXX XXXX, XXXX XXXX XXXXTo : XXXX, XXXXCc : XXXX XXXX XXXXSubject : Re : SPS problem please give them what they need gthis urgent!!!!! ASAPFollowing. I will contact XXXX tomorrow am. 

Sent from my iPhoneXXXX XXXX, XXXX XXXX = direct XXXXXXXXXXXX XXXX XXXX, XXXX, at XXXX XXXX, " XXXX, XXXX '' XXXX ; XXXXXXXXXXXX XXXX ; wrote : I have filed a formal complaint on SPS over this mess I need you both, to work with the buyers and have them send everything to both of you. 

Both of you send it to SPS i need to prove that SPS is in the wrong next step is to sue themThanksXXXXXXXXFrom : XXXX, XXXXSent : Sunday, XXXX XXXX, XXXX XXXX XXXXTo : XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXXSubject : RE : SPS problem please give them what they need gthis urgent!!!!! ASAPStatusCompany respondedSPS Select Portfolio Servicing , Inc said : Explanation of closureSPS began servicing your account on XXXX XXXX, XXXX, when it was service transferred from XXXX XXXX. Your account was modified on XXXX XXXX, XXXX, through the U.S. Treasury 's Home Affordable Modification Program ( HAMP ). SPS reviewed your account for all foreclosure prevention option, but we offered you XXXX Repayment Plans, which you did not accept ; however, we were unable to offer you a modification. 

On XXXX XXXX, XXXX, SPS submitted your account for a short sale review. On XXXX XXXX, XXXX, we completed our most recent review and it was noted that we need additional documentation to complete the review : Proof of Funding : We received proof of {$180000.00} ; however, as the offer is {$250000.00}, we need proof of the remaining {$62000.00}. 

To expedite the review, you may have the documents faxed to ( XXXX ) XXXX or emailed to XXXXXXXXXXXX. We attempted to reach your real estate agent on XXXX XXXX, XXXX, to advise her of the remaining documents. We called the number listed for your realtor ; the call went to you and not your realtor. You provided us with your realtor 's phone number. We updated our system with XXXX XXXX 's phone number. We called her after contacting you and left her a voicemail. 

Per the Fair Credit Reporting Act ( FCRA ), SPS is required to accurately report to the credit bureaus. XXXX

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