Consumer complaint received 2015-11-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent a letter to Select Portfolio regarding my denial for loan modification : XXXX XXXX, XXXX XXXX XXXX XXXX or XXXX XXXX XXXX, I am not sure why I was denied for my modification it was because of my DTI ratio. Your processor gave me a hard time insisted that I had to circle my wife 's because she was considered a roommate. I knew with all the hassle that was given that they was going to refuse me of the modification. 
The first modification you guys gave me messed me up so bad it took approximately 6 months. Calling back and forth for you guys to assist me regarding of the insurance issue by that time I was rejected and you add your insurance and it was difficult for me to get ahead of my mortgage.I have a copy of the letter that I sent to your company and also spoke to the same law office that remove my name and wife name from deed. They advised me the reason that this is taking so long to add me back to the loan was because the mortgage company did not put in the proper paperwork.I have a XXXX son and I gave them all the necessary paperwork so I am not sure why you stated on your letter due to my debt to income that I was unable to get modified. For loss mitigation you offer me Short Sale or Deed in Lieu of Foreclosure. That is your solution. This is the letter that I sent you 2 years ago and never received a follow-up : XXXX XXXX, XXXX XXXX XXXX, To whom it may concern : This is an ongoing issue with your company. I am being penalized due to your bank error ( Select Portfolio ). I obtain insurance with XXXX per my loan modification request. If you look at my loan history you will see that I have been sending my payments out on time. I contact the insurance dept. at XXXX before the cancelation to let them know what was going on. I was told that I am showing ownership on the account not sure what I was talking about. Well my Insurance was cancelled in XXXX when I called the insurance company again I told them the same thing that I am looking at XXXX County Appraiser 's website and Owner Name is XXXX. I was given the ATTY for Select Portfolio I have to contact them and let them know what had happened. Really ok I will do your job no problem. I contacted the Attorney ( Actually your attorney that filed the foreclosure ) I was told that Select Portfolio never filed the appropriate paperwork so the courts can not reverse the name.I did receive a letter from the court that they have filed " MOTION TO CANCEL XXXX XXXX, XXXX FORECLOSURE SALE, VACATE FINAL JUDGEMENT, DISMISS CAUSE OF ACTION, DISCHARGE LIS PENDENS AND TO DIRECT CLERK TO RETURN ORIGINAL LOAN DOCUMENT.I was told that this process would take 30 to 45 days. Well I received a letter from select charging a ridiculous amount on my mortgage telling me that I refused to get insurance. Well technically is due to your negligence not getting the paperwork to the courts to remove your name as the property owner and taking their name off. I am paying for it and I pay big for it so that is why I fell so behind.Today its XXXX XXXX, XXXX spoke to XXXX my loan no updates or actions were taken to get this loan back on track. So I was transferred to XXXX XXXX customer service department. I am not sure what is going on with you guys on your end. Not only you are taking your sweet time getting this resolve you are charging me a tremendous amount. I would like the late fee waived off my account. Looking at my credit SPS still have not updated my credit report. It seems that your company it setting up for failure. Please contact me once the outcome has been taking care of.This is the letter that I sent to your company and so I decided to file for another modification I have a steady job so does my wife and I was denied for the modification. I want to keep my home and make it affordable.

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