Consumer complaint received 2016-06-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Loan Mod history as of XXXX/XXXX/XXXX All of the calls listed below were prefaced by a verification of who I was, the last XXXX digits of my SSN, & the property I was calling about -- regardless of me calling Select Portfolio or them calling me -- followed by a statement that foreclosure was scheduled for XXXX XXXX, XXXX ; then the customer service rep would ask how they could help. 
Friday, XXXX/XXXX/XXXX, XXXX XXXX a completed Form XXXX & Form XXXX, along with 2 months of bank statements and 1 month of husband 's paystubs ( XXXX which are in zipped files ). XXXX had informed me earlier in the week this was needed for a loan mod request. She did not say anything about deposit amounts being circled, or needing Social Security award ltrs ( I specifically asked about the award letters & she said I did n't need them ). 
Friday, XXXX/XXXX/XXXX, XXXX Emailed a list of itemized expenses, tax returns for XXXX and XXXX, annuity statements for myself & husband, and a hardship letter. 
Friday, XXXX/XXXX/XXXX, XXXX Emailed an updated Form XXXX with updated monthly household expenses. 
Tuesday, XXXX/XXXX/XXXX, XXXX Emailed an updated Form XXXX with the " Keep the property '' box checked, after speaking with XXXX XXXX XXXX ( did not have an offer for the property, which she said she understood ). 
Friday, XXXX/XXXX/XXXX, XXXX ( email date & time ) I spoke with XXXX XXXX this afternoon, & she requested the following attached documents : a signed itemized monthly expenses breakdown, Social Security benefit award letters for myself and husband ( XXXX XXXX XXXX XXXX, & a signed hardship letter. 
Friday, XXXX/XXXX/XXXX, XXXX I spoke with XXXX XXXX again this afternoon ; she requested signed monthly expenses and a hardship letter that were not signed via computer. 
Friday, XXXX/XXXX/XXXX, XXXX I spoke with a customer service rep this afternoon who said the underwriter requested bank statements with circled deposit amounts. The customer service rep also requested a death certificate for my mother in law, who passed away XXXX/XXXX/XXXX which required us to pay her funeral expenses. I resent the bank statements with the deposit amounts circled, & the death certificate in a separate email at XXXX. I asked how I would have known unless I had called -- he said they would have sent a letter ( they 're located in Utah ; the mail would have arrived after XXXX or 5 days ). He also suggested that if they had to request anything else, the loan mod would be dropped. 
Saturday, XXXX/XXXX/XXXX, XXXX Emailed a XXXX bank statement with the pension deposit amount circled as requested. Apparently none of the statements I sent on XXXX XXXX had the pension and SSI deposit amounts circled ( I was not asked to circle them initially ). When I called on XXXX, I was informed the amounts needed to be circled, and I have circled all pension & SSI deposit amounts. I forwarded all of the bank statements yesterday XXXX XXXX XXXX, and this XXXX statement, which is attached, has my pension deposit amount circled. 
Tuesday, XXXX/XXXX/XXXX, XXXX pm Called to see if anything else was needed & ask how long the review for a loan mod would take. 
Friday, XXXX/XXXX/XXXX, XXXX Received call from XXXX XXXX asking what the US Treasury deposit was on the XXXX XXXX bank statement I had emailed. I told her that was my government pension. She asked why my husband 's name did not appear on the XXXX and XXXX statements I had sent ; I told her they were not joint accounts. ( The account holder name appears in the upper left-hand corner of each of the statements. ) Thursday, XXXX/XXXX/XXXX, XXXX Called & spoke to XXXX XXXX about the status of the loan mod request. She informed me that it was closed out as of Monday, XXXX/XXXX/XXXX, because they would not have enough time to process it before the foreclosure sheriff 's sale scheduled for XXXX/XXXX/XXXX. I asked about a deed in lieu ; she said they would need 30 days to process it, & would not have enough time to complete it before XXXX

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