Consumer complaint received 2017-03-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: DE
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
CFPB is closed when I called and I ca n't log into my account to view and respond to my previous complaints about the mortgage servicing company I have now, so I have to open a new complaint. 
I received a response to my complaint by mail from Select Portfolio Servicing, that I have been going back and forth with for months, trying to get my loan modified. I questioned the amount of fees from " inspections '' that were supposedly done of my house and how many times they " allegedly '' came to inspect my house. They responded how these " inspection '' fees work but my issue is I do n't believe anyone was here and as many times as they charged me. There has never been any communication between us about someone coming to inspect the property. Am I supposed to take their word that someone was here and so many times? I think not. The customer service rep said it was to make sure the property was occupied. The property being occupied by us was never an issue as our address was confirmed many times. 
In the response from the company I received via mail they addressed another part of the complaint about my setting up a few monthly payments to show good faith and them returning them. The Select Portfolio rep took the payments with no issues or comments. The response states the reason they returned the payments is that our loan was in " foreclosure status. '' SINCE WHEN?? We 've NEVER received information that we were in foreclosure status. EACH WEEK we received several mailings from Select Portfolio stating how we can make payments and that they 've received our request for assistance but still needed the tax documents, which we could n't provide at the time so we asked for other " help '' options. Select Portfolio states that there is several options available but no one could provide any other option to us. We finally were able to send the documents needed, last week and received the confirmation that all documents were received and now we wait for a decision of what type of help is available. We do not feel confident of the outcome for any help from this company, especially after reading the other complaints on the CFPB website about them. All we have been asking for is the past due amount put to the end of the loan and the account brought current. We have made financial plans to never fall behind again but we ca n't seem to get anywhere with Select Portfolio. I 'm hoping that the CFPB is monitoring this company as we have never had this much difficulty getting help with the house we have lived in for XXXX years, raising our children and building our life. Difficult times happened that were out of our control and we 're just asking for a little assistance! Believe me we wish we never refinanced in XX/XX/XXXX. Plus, our mortgage has been " sold '' several times in the last XXXX years. Just unacceptable and ridiculous. We do n't feel we will ever get this house paid off at this rate. Someone has to help the multitude of people struggling in this country and it 's failing economy. PLEASE

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