Consumer complaint received 2017-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is in regards to claim number # XXXX for your site would not let me enter my dispute. Per the attached letter dated XX/XX/XXXX, states the modification offered on XX/XX/XXXX w/payments in the amount of {$1100.00} to be honored. When in fact per the docs I uploaded previously, I was approved for a trial modification starting XX/XX/XXXX for {$1100.00}. SPS has the wrong date and amount which draws concern. In addition, they provide a XXXX tracking # along with stating that it was left by my front door. This draws even a greater concern that docs of such importance were sent with the instructions to be left at my front door, which could have been taken or blown away. Why is it acceptable for my final modification which is time sensitive. This goes right along with all the other additional mail SPS claims they sent, in which I never received. It is upon poor judgment that these docs were sent. Therefore, SPS clearly expressed that they have no knowledge or record of me receiving several documents from them, but received all documents that were required by me for I sent them via XXXX with signature being required for I knew I needed verification they received such. To send my final modification in such a manner only leaves me with the impression that SPS hopes I do n't receive it. Any and all formal documents should always be sent with a returned receipt. I can not be held responsible nor should I be penalized for not receiving something XXXX says they left at my front door. XXXX/XXXX have been notorious for logging deliveries in which were never delivered. In addition, I know that both offer a service that if no one is home to sign they leave a notification on your door to either come back or you can pick up from a sub station. I have expressed on numerous occasions with SPS that if documents are being mailed other than USPS than they should be sent to my work address so that I can obtain them or sign for them as needed : Once again the address for overnight, priority or certified mail should be sent to XXXX c/o XXXX, XXXX # XXXX, XXXX, NV XXXX. To continue with additional issues I have never stated that SPS is to cease verbal communication with me and I always request when I call in or agree to the conversation being recorded. Again, here is another act of SPS trying to deflect blame on the homeowner. Now because the final modification was n't signed/returned in a timely manner they are unable to honor the modification but yet will offer me a new trial modification for {$1.00}, XXXX or offer me an alternative option if I can not afford. This is a bait and switch. The modification program in which I went through loss mitigation and spoke with SPS attorney 's not once but twice and my approved amount was based on my monthly income in which as of today remains the same. Based on the all the records SPS determined I could afford the {$1.00}, XXXX therefore {$1700.00} is setting me up to fail. SPS needs to send the final modification to my work address so that I am guaranteed to receive it. Finally, if payments where to begin on my final modification XXXX/XXXX/XXXX, why is it that I continued to pay {$1100.00} which was not returned but the bank applied. It was n't until XX/XX/XXXX when I called in for a status of my final modification was I informed that I never returned the final modification which resulted in SPS returning the XXXX 's payment. Question, if I would have never called in for a status its likely that my payment would still be to this day being applied. These are malicious acts upon SPS and I have complied with all required of me so why would I have jumped through all these hoops and get to the final stage and ignore it? I would n't, and my continue payments are proof of that. I 'm sure SPS would not except if I said well I have a tracking # that XXXX delivered a payoff check.

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