Consumer complaint received 2015-11-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was approved for a HAMP TPP in XXXX and made all XXXX trial payments but never received the loan modification. I got my loan with XXXX in XXXX which makes it the most fraudulent of all mortgages. XXXX then proceeded with 2 years of wrongful foreclosure action. They maintained a trustee sale on calendar for 12 months at a time and I had to endure massive stress to compel them to postpone the sale 30 days at a time. I was being sued in Superior Court for $ XXXX while XXXX proceeded with 2 years of foreclosure action. 
I filed a complaint with the OCC and XXXX responded with fraudulent letters. I exposed this fraud and the Executive Analyst who was responsible retaliated against me by continuing to refuse to underwrite my application for mortgagee assistance. XXXX violated Supplemental Directive XXXX by not determining XXXX way or the other if I qualified for the HAMP when it was obvious that I did not. Instead XXXX ( XXXX ) continued to require that I send documentation and information by contending the application was not complete. The application was indeed complete but XXXX refused to accept this. 
In XXXX of XXXX, XXXX placed me back in foreclosure. I filed a complaint with the CA Attorney General who referred the matter to the CA Monitor at the XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. The CA Monitor had a XXXX ATTORNEY CONTACT THE XXXX LEGAL DEPARTMENT AND MYSELF BECAUSE XXXX WAS IN VIOLATION OF THE NATINAL MORTGAE SETTLEMET CONSENT JUDGMENT. I informed the XXXX legal department that I wanted the name of the person responsible and an explanation for why my application was not allowed into underwriting. I received XXXX totally fraudulent letters from XXXX ( XXXX ) dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which were a desperate attempt to cover up how she violated the National Mortgage Settlement Consent Judgment and deprived me of my CA Homeowner Bill or Rights to foreclosure on my home. 
XXXX then transferred the servicing of the loan to Select Portfolio Servicing. I disputed the transfer of the servicing of the loan as it was under fraudulent conditions but SPS ignored this. SPS has refused to provide information regarding an Affiliated Business Arrangement which I requested in a Qualified Written Request. SPS is concealing this affiliated company and will not inform me as to who it is that is ion control of my application. Senior Legal Specialist for SPS, XXXX XXXX allowed my application into underwriting as is, in XXXX of XXXX ; the day before the foreclosure sale date. SPS had been preventing the application from entering underwriting by contending it was not complete when it was. After XXXX XXXX allowed it into underwriting as is, SPS fraudulently withdrew it from underwriting. It is obvious to me that the very same person form XXXX who was in control of my application, is still in control of my application at SPS and continues to retaliate against me for exposing her for her crimes. 
I have a Cease and Desist Order attached to my account with SPS which they have acknowledged and complied with. However NOW SPS is requiring that I call THEM. Whenever I call SPS I am informed that they are a DEBT Collector and all information will be used for that purpose. Al the Required Information Notices I receive say the same thing and I am receiving several a month before the previous ones are even due. However other letters state that it is not an attempt to collect a debt. If I do not respond to these SPS can initiate foreclosure and when I do they will not underwrite the application. 
I have informed SPS that at this point my sole source of income is to rent the property as a vacation rental. SPS refuses to provide assistance to enable me to accomplish this but also has not foreclosed. So SPS obviously could provide such assistance because they have not foreclosed on the home.

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