Consumer complaint received 2015-09-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Please see attached document entitled XXXX 2015 Consumer Financial Protection Bureau Initial Complaint, and attachments. 
1. The Lender and/or it representatives have made misrepresentations to me that were false and/or inaccurate, and I relied on those false and/or inaccurate statements to my profound detriment. Please see synopsis on page XXXX, and page XXXX letter XXXX et seq. ) 2. The Lender effectively forced me to default on my mortgage in order for a partial release to be considered, at a time when my payments had never been a day late or a dollar short. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) 3. The Lender disallowed, IN ERROR, a partial release that would have ultimately satisfied the entire mortgage. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) Copy of deposit check for this offer attached. 
4. The Lender has disallowed excellent offers that would have satisfied more than the principal balance owed at the time. ( Please see synopsis on page XXXX and page XXXX letter XXXX et seq. ) Copy of offer attached. 
5. The Lender has failed to even counter excellent ( cash, as-is, no contingency ) offers. ( Please see synopsis and page XXXX, letter XXXX et seq. ) A copy of XXXX such offer is attached, copy of deposit check for another, other offer evidence available ) 6. The Lender has made it difficult for me to defend myself in this case, After agreeing to a settlement ( deed in lieu ) which included, but was not limited to, my relocation, the Lender then failed to uphold the conditions of that agreement. Thus I was burdened with a move, and now have to come from out of state, request and be granted time off work, incur the travel costs- ( e.g. plane tickets, car, lodging, meals, pet care ) and difficulties of trying to work without an office/ printer etc. all to address a process which would have been resolved had they upheld the conditions of the deed in lieu. Furthermore, they locked me out of my home so I could not even stay in my own home while this process unfolds. They have further exacerbated the difficulties by telling me a motion was marked ready, and only after my informing them of my ticket purchase, time off work and plans to come up from XXXX did they notify that the motion would not be marked ready. 
7. The Lenders failure to respond to and /or counter excellent offers directly resulted in several realtors refusing to re-list or show the property, ( letters attached ) making it far more difficult to sell. ( Please see synopsis and page XXXX letter XXXX et seq. ) 8. By locking me out of the property, which they assured me they would not do, they also prevented the property from being shown by the sole realtor I could get to show the property. ( Please see synopsis and page XXXX letter H et seq. ) 9. The Lender has allowed the property to deteriorate ( e.g. allowing pipes to freeze and rupture ) after agreeing to maintain it, while simultaneously locking me out of the property, ( and also telling my caretaker to remove his equipment from the property, then failing to replace him ). Because I relocated, in substantial compliance with the agreement of the deed in lieu, I am no longer there to mow/maintain the property, and its subsequent deterioration has made it yet more difficult to sell. Please see Synopsis, and page XXXX letters XXXX et seq. ) The damage they allowed has rendered the primary residence uninhabitable. 
10. The Lender has failed to respond to multiple requests that would have secured a full resolution of the mortgage debt. ( Please see synopsis, and page XXXX letter XXXX et seq. ) In addition to- and /or more detail of- the above, I request consideration of the following synopsis and chronology. I have attached copies of deposit checks, offers from prospective buyers that The Lender refused, letters from The Lender and other supporting documents which are not included in this document, but are listed below as attachments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation