Consumer complaint received 2017-01-24
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello- I have been trying to do a loan modification for over 7 months with Select Portfolio Servicing. When the process started I submitted all of the documentation they needed ( I 'm a XXXX, its my job ) so that is why I know exactly what they need. My packet was over XXXX pages including more information than they needed to make sure that any and all questions would be answered. I called them multiple times after they received the packet to verify they had everything, every time I would call I was never able to actually talk to my relationship manager, I got a different rep every time and every time they told me something different. One would tell me they were missing something that I already sent them so I would send again then call to verify it was received and the next rep would say oh I do n't know why they told you that we dont need that we need something else. This has gone on for months, I would re-send anything they needed same say or next day even though they already had it. They then slapped me with a foreclosure date saying I did n't get then the correct profit and loss statement, I told them I did it exactly how they told me to and they said I did n't put my business name on it, I told then for the 3 time ( XXXX separate phone calls ) I 'm a XXXX, I do n't own the business and that I ca n't put the business name on it because do n't own it, they said they sent me a letter in the mail stating that, which I never received and they just verified that it was sent back to them because they sent it to an old address for some reason when everything else they have sent me has been to my home address which only leads me to believe that it was done on purpose so I could n't correct and they could foreclose. I saw that my foreclosure date was n't postponed and called them to see what was going on and that when they told me again about the Profit and loss statement, I explained again I do n't own the business and told them I did n't get any calls or mail from then stating they needed anything, thats when they verified that they sent it to another address but could n't give me an explanation as to why. Even though it has been totally there fault, they would n't stop the foreclosure date so I had no choice but to start a BK. They told me my modification was still open though, which if that 's the case, they could n't legally foreclosure because that would fall under the Dual Tracking law but she did n't care she called my bluff that I would do the BK and would n't put a stop to it. I filed for BK and have been speaking with Lender since and they told me that they resubmitted the reason for the profit and loss not stating business name and it was in underwriting again, I called again 2 x to follow up and was told it was in underwriting and then called again yesterday and was told that they could n't proceed because the mod was closed out, I was dumbfounded, They said I need to start over agian. I can send you all of the paperwork because everything has always been sent to them via e-mail showing I sent them everything reqeusted months ago, but they pass you around and mess with your because their only intention is to foreclose. I have no choice but to start again because I 'm just trying to save my home for my son and I, but this time I need help to make sure that they follow thru. I 'm contacting HUD and Attorney General also, I have since done research on this Lender and they are doing this to hundreds of people all seeking help to save their home all the while this lender is spinning them in circles. This is effecting my health XXXX because of my frustration with doing everything I was asked to do by them and send to them only to still sit here scared I 'm going to lose my home because of there fraud.

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