Consumer complaint received 2022-02-23
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Lost my job as a XXXX XXXX XXXX XXXXXXXX. Tried working with my servicing company SPS XXXXtrial mod set up for XXXX XXXX, and unable to make last payment.Just a bit shy of the XXXXThey won't accept anything but full payments.Started another trial mod XXXX XX/XX/XXXX .First required payment was to be bank check or XXXX XXXXXXXXI made the XXXX or so payment on the XXXXXXXX of XXXXXXXX.Went to make the second payment in XXXX from my checking and SPS stated I never made XXXX payment.Went down to XXXX XXXX and they had put in the wrong account number.SPS not willing to work with me on accepting next 2 payments.Submitted all XXXX XXXX paperwork with wrong account number visible. Loan mod taken off table. Another loan mod offered XXXX XXXX with a higher payment in the XXXX or so. Made all 3 payments and was called by SPS that I hD to sign acceptance of loan mod.They told me to sign online and guided me on how to do this since I am not computer savvy. I signed online and they told me " all set '' .I told them I was worried as there was a time deadline and she said '' I will also send this over by Email to my boss ''. Went to make XXXX payment and they said mod was withdrawn because I did not sign in pen and return papers.I said I signed online, they tell me no ... it has to be a hardcopy and returned.XXXX payment refused by SPS.Called Atty XXXX XXXX again and after a deposit and 3 more payments to her of XXXX her firm told me they could not help me.I said... well I had paid you over XXXX and you did not take me through to the final phase of hardcopy signing.They can not help me... and they told me good luck.Called Attny XXXX XXXX, XXXX office who was trying to guide me and I could not continue with him as I lost my job and am not collecting unemployment, even when I was collecting it was XXXX a week. 
So now I am getting another proposed mod with a payment of close to XXXX from SPS.I can not keep going up in payments as I lost my job due to Covid, and they won't refinance at a 30 year term.I am 16 years into a 30 year term now.Financing for another 30 would help tremendously in lowering my payments.SPS tells methods not what we are offering. '' I now have paperwork from their attny XXXX XXXX XXXX that her office has marked the short calender matter " ready '' for court. 
I feel that they have given me the run around, each time raising my payments monthly sometimes up to XXXX higher a month when I have no job secured as yet and not accepting XXXX XXXX as making an error, and them telling me that e signing on the computer I was all set. 
I feel I'm being punished here as much of this was not in fact my fault and now they want a payment close to XXXX more. .I have been trying to find a job, last night I went on Indeed and saw that I have submitted my resume 81 times. SPS is not really helping me when in fact I need the payment back down to the original amount of about XXXX. And I need to have the loan at a new 30 year re finance to really help me stay in my home.I have been here since XXXX.

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