Consumer complaint received 2016-05-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX XXXX XXXX XXXX from XXXX .stand behind what XXXX XXXX has stated in her complaint. When we got the verbal denial on XXXX XXXX XXXX XXXX and myself did a three way call and filed a formal dispute which no one got back to either one of us for days. When I finally called to find out where we were at I asked to speak to XXXX XXXX who was supposed to be the lead on this but in all the time we have been working on this the attorney or myself never spoke to him. They said that he had called me and discussed the situation which was an out and out lie. I asked to verify that with a recording of that conversation which I was told was not possible. If in truth they want to help people out of foreclosure than this house should not be going in that direction. We have a willing and able cash buyer that could close in 2 weeks. We submitted all paper work in the time frame asked which I and XXXX attorney XXXX XXXX have record of. I have a list of people I talked to never the same person twice. Select Portfolio kept switching time limits and not notifying us as to what was going on and than almost the final hour denied us instead of giving us the time needed to close this property. None of what they have done makes sense. We the consumer have bailed the banks out and now they are dictating unfairly the future of the same people that helped them out. The best thing and most sensible would be to let us move forward with the short sale. It would be a travesty to let this property go into foreclosure. XXXX health has progressively gotten worse through this whole thing forcing her to go stay with her daughter for the weather and no longer being able to do stairs. Her possessions are still in the house which she has not been able to come back for because of her ending up in the hospital and affordability. She had been approved for the HAFA money is what I and the attorney had been told. If they needed more time to go through the paper work why did n't they give us more time? I could ready with all my documentation if you want confirmation of any of this complaint. We have all worked long and hard on keeping this together which is best for the consumer who is the reason laws are being put in place to protect even better. 
SPS still will not send my client proper notification and again violate consumer protection law of 30 day notice in advance. Because SPS calls me and gives me dates and yet my client XXXX XXXX never receives anything until several days later which is unethical. I was told to rewrite the HUD-1 settlement as they only want to offer my client {$3500.00} instead of the {$10000.00} relocation assistance under HAFA because she has had to go into the XXXX. This undue XXXX and hardship on my client is horrible what SPS has made my client endure. A month ago etc., my client was only facing XXXX and other XXXX needs that were urgently needed as she is facing even more XXXX needs. Today XX/XX/2016, I spoke w/XXXX at XXXX. They reopen the short sale to get in to do the EPO appraisal.However my client has not been legally written informed and because of SPS negligence and playing w/miscommunication they want to offer this {$3500.00} at {$110000.00} of 3 % instead of the full {$10000.00} relocation assistance as this was SPS/XXXX intention all along regardless of the hardship endured on my client. This amount is the same as " cash for keys '. Now, my client XXXX XXXX has indicated they do n't have a problem going to court with a trial by jury if necessary.SPS wants to conduct business verbally by calling XXXX XXXX asking for XXXX XXXX in the Obsumden Dept. Client should respectfully receive adequate written notification in writing but SPS is unreasonable in meeting request.

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