Consumer complaint received 2015-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Due to financial hardships I fell behind in my mortgage and defaulted on my mortgage on XXXX/XXXX/XXXX and was referred to a foreclosure attorney on or about XXXX/XXXX/XXXX without a foreclosure sale date scheduled. 
On XXXX/XXXX/XXXX, I completed and submitted a request for a modification. I included the following required documentation : - XXXX current paystubs- Complete Request for Mortgage Assistance form- Signed and completed XXXX formThey documented receiving my request on XXXX/XXXX/XXXX. 
On or about XXXX/XXXX/XXXX, I received XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide a hardship affidavit. 
On XXXX/XXXX/XXXX, I faxed a hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another XXXX letters from my mortgage servicer requesting me to provide income information. Since I already provided this information I called them and they told me that they did n't need income information, but I needed to provide my full tax returns and to date my hardship affidavit. 
On XXXX/XXXX/XXXX I faxed my XXXX and XXXX tax returns and the dated hardship affidavit. 
On or about XXXX/XXXX/XXXX, I received another letter from my mortgage servicer requesting me to again provide income documentation. At this time my father-in-law had, had a XXXX and I was unable to follow up within a timely manner. 
On XXXX/XXXX/XXXX, a notice of trustee sale was filed and a foreclosure sale date was set for XXXX XXXX, XXXX. 
On XXXX/XXXX/XXXX, I received a registered letter notifying me of the notice of trustee sale filing and called my mortgage servicer immediately. I was then told that I needed to provide a copy of a quit claim deed. I expressed to them that I had already provided a copy XXXX, once for my previous request for mortgage assistance in XXXX and when I requested they change my surname in XXXX. I was then told that, 'that was too much paperwork to look through and to provide another copy '. 
On XXXX/XXXX/XXXX, I faxed my quit claim deed. 
On XXXX/XXXX/XXXX, I emailed my mortgage servicer a request to confirm they received all my documentation and never received a response. 
On XXXX/XXXX/XXXX, I called my mortgage servicer to again confirm a full package was submitted. I was then told that they received the quit claim deed on XXXX/XXXX/XXXX ( which is amazing, considering my previous faxes took XXXX hours to post to my account records ) and then they confirmed the was recording of the quit claim on or about XXXX/XXXX/XXXX. Then the package was submitted to underwriting on XXXX/XXXX/XXXX for review. 
My issues are ; I provided a full package according the HAMP guidelines on XXXX/XXXX/XXXX and then provided all the additional documentation on XXXX/XXXX/XXXX, but they still scheduled a foreclosure sale because they could n't bother to review their document library to find the document they were 'missing '. Also they are now past the XXXX day deadline for providing approval or decline for the modification since receiving a full package on XXXX/XXXX/XXXX.

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