Consumer complaint received 2017-07-15
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I got behind in my mortgage due to a XXXX. I was dealing with XXXX XXXX XXXX at this time. I missed a lot of work and could not get caught up. I notified them they told me I would be hearing from them through there loss mitigation department. In XX/XX/XXXXI had another XXXX that went terribly wrong. I went to the hospital they told me they were going to take out my XXXX XXXX when I woke up after the XXXX I was in XXXX  with XXXX all over me and a XXXX in my XXXX as XXXX as my XXXX. My parents told me that I XXXX on the table and they brought me back. This took me over six months to recover. During that time I was only receiving XXXX XXXX XXXX which was XXXX a week. In XX/XX/XXXX I had another XXXX due to myXX/XX/XXXX it was to fix the XXXX it caused. I once again was on XXXX XXXX XXXX. All this time I was keeping in contact with XXXX XXXX XXXX and they told me again someone would be calling me. In XX/XX/XXXX my account was sold to XXXX they tried to foreclose on me in XX/XX/XXXX. It was dismissed in court. However I received no notice that my account was back to active. InXX/XX/XXXX I had another XXXX this was to fix the XXXX that was coming apart in XX/XX/XXXX and repair the XXXX again. I only had a XXXX XXXX chance of surviving the XXXX. I was out of work for eight months were I received XXXX and XXXX XXXX XXXX. In XX/XX/XXXXI had another XXXX to XXXX my XXXX XXXX this XXXX ended my job at XXXX. Because not long after recovering from this XXXX I developed another XXXX. All the doctors and XXXX said I will not survive anymore XXXX. In XX/XX/XXXXXXXX tried to foreclose on me again. That Is when I hired XXXX XXXX. He went to court for me and told me after that I won my house. So I began paying him XXXX a month until I paid him off. I have not missed a payment since. In XX/XX/XXXXHe told me there was a new law allowing big banks to reopen these cases and foreclose again. So in XX/XX/XXXX we had a date to appear in court. XXXX decided to get rid of there attorneys and hire another firm which pushed my case toXX/XX/XXXX. InXX/XX/XXXX I was told after the hearing by my attorney that it was and I Quote a WIN WIN WIN. Then I found out I had to go to mediation. The reason I could not attend that hearing was due to the doctors finding XXXX in my XXXX  and I was having a procedure to remove it that day I thought I would have enough time to do both but due to the degree of the procedure it ran longer than they anticipated. So my attorney said I misunderstood him and that we had to go to mediation with XXXX. We went there and it was a complete waste of time and money because they were not willing to mediate in any way. Now in XX/XX/XXXX I have been subpoena for trial. To foreclose on me again. I won my XXXX XXXX  XXXX Hearing in XX/XX/XXXXwhich is dated back to XX/XX/XXXX. When XXXX XXXX told me I won my house in XX/XX/XXXX it was a great relief because I was able to focus all my attention on my health. Everyday I am in pain due to the multiple XXXX I have now. There is nothing anyone can due about them so I have to learn to live in pain. I was doing pretty good until XXXX inXX/XX/XXXXstarted this all over again. I think after not having enough information to foreclose on me the first time should be a win in my favor.

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