Consumer complaint received 2022-04-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing this letter to get support and help to stop the foreclosure on my mortgage. Until XX/XX/XXXX I was unemployed due to XXXX. I lost my job in XXXX of XXXX. I received unemployment compensation for XXXX year, which ended in XX/XX/XXXX. During the time I received unemployment, I was unable to pay the full amount of my mortgage which was {$1000.00}, so I paid the interest/escrow on my mortgage which was {$650.00}. In XXXX of XXXX, I informed the mortgage Servicing Company ( Select Portfolio ) that my unemployment ran out and I was not able to pay the interest/escrow on the mortgage. 

They offered me a request for Mortgage Assistance during this time. As I explained to them, I did not have any income and could not provide banking statements because they would not show any income information. I could provide an electricity bill and water bill. The relationship XXXX that I spoke to at that time told me my best option would be to apply for a XXXX relief forbearance. I was granted forbearance from XX/XX/XXXX to XX/XX/XXXX. However, that did not cover the entire span of time for which I needed assistance. I needed assistance from XX/XX/XXXX to XX/XX/XXXX. The forbearance allowed me to temporarily suspend my payments, but it did not allow me, as the borrower, a chance to benefit from other XXXX relief programs. Most people who were in this situation were given money towards their mortgage or their payments were put on the back of their loans. Instead, the mortgage servicer for my account took the 7 months of past-due mortgage and put my house in foreclosure. It didn't matter that I requested or applied for Mortgage Assistance, and I handed in all my documentation. It didn't matter that I showed them I was adversely affected financially by XXXX, and I did not have work during that time. It didn't matter that when I got a job in XXXX of XXXX that I paid my mortgage every month on time. Additionally, since I've taken out this loan in XXXX, my mortgage balance has not decreased from {$170000.00}. That said, I believe this mortgage XXXX XXXX his charged me fees for things that I should not have been charged for. I feel like I have been taken advantage of, to the degree that I believe I am the victim of fraudulent practices being levied against me. There is no way that I should owe {$170000.00} for an original loan that was {$90000.00}. I took a second mortgage out on this home in the amount of {$130000.00}. Again, I am not understanding how I now owe almost double what the original loan was. I would like to file a formal complaint against this servicing company, and I no longer want my loan managed by this company. I also need assistance in finding another lender to refinance this home for a better interest rate. I do not want to be under a mortgage XXXX XXXX. I really need some help and support to manage this situation as I am in NO WAY attempting to default on my debt. I fully intend to pay my debt, as has been shown by my attempts to continue to pay even when unemployed, as well as my resumption of full payments once I resumed employment. It is egregious for this company to be gouging me the way they are, putting myself and my daughter in jeopardy of being homeless and being unwilling to work with me when the entire country was negatively impacted by this horrible pandemic. Any assistance you can lend would be greatly appreciated. 

I was discriminated against because they put my house in foreclosure while I was working on a mortgage assistance program. The mortgage lender did everything they could to take my house instead of providing programs to support me. The mortgage lender would not provide me with a copy of the taped conversations I had with them so I could prove they treated me unfairly by not providing me with the resources that I need to keep my house. Plus, I asked for past documentation/recordson XX/XX/XXXX to try and figure out why the total cost of the house has almost double and I still have not received it

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation