Consumer complaint received 2019-10-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
After falling behind with mortgage I reached out to the servicer, Select Portfolio Servicing, I was granted a trial modification. Once that was done, the payments increased even though I was granted the modification. Then they would say it's an escrow shortage so they needed to increase. I had my childcare expenses increase so I reached out for mortgage assistance again. They did give me a deferral. But later on that year my payments increased from {$630.00} to almost {$900.00} because yet again they said escrow shortage. Throughout this time they accelerated my loan but yet would charge late fees, and even send someone to my home to inspect the property even though they were constantly in contact with me. I asked them repeatedly why they kept sending someone out. And then they would charge me {$75.00} for the inspection. I then contacted a lawyer. I sent a QWR to them recently, to ask why the fees, and they said it was because the noteholder from time to time request inspections on the property. I have sent a QWR to XXXX XXXX XXXX who they say is the noteholder to see what their guidelines are and why they would go against the law and request property inspections if they have been in contact me or if I've made payments. Even when I try and to make a payment to SPS they keep raising the amount to bring in current so it's impossible to even pay! My home is set to sale on XX/XX/XXXX. As a single mother of XXXX, I have nowhere to go at this point. I am waiting until it sales and get evicted. My credit is destroyed because SPS. It will take me forever to get out of this to even buy a home again. I was caught up in the mortgage crisis ( predatory lending ) of XXXX. I bought my home and will lose it because of the new rules this President has enacted and the regulations he has stripped. My loan was with XXXX who went out of business not long after I signed the mortgage. In XXXX SPS tried to foreclose on myself without being the noteholder. I know for a fact I was not alone in that. Once they saw all of those were failing in the courts. They then tried again about 4 years later after increasing my mortgage, due to escrow shortage! But this time they forged an assignment of the mortgage saying XXXX XXXX was the noteholder. It was handwritten in and dated for XX/XX/XXXX. But yet, it wasn't filed with XXXX County until XX/XX/XXXX. That's 2 years after the " assignment. '' And that is against the law. According to the statues they have 30 days to file the assignment. Not only that, one of the signatures who is listed as a manager, has been contacted by myself and my attorneys, and they never held that position in the company. It's a fraudulent assignment and they are getting away with it. XXXX XXXX has even told me they have no record of me, my SSN, or address, but they are deemed the noteholder due to the big securities sales during the housing crisis and predatory lending. I just wish the government would put a stop to both XXXX XXXX and SPS. They continue to take homes for their personal gain and their bottom dollar. I have attempted to make payments. I don't know what else to do. Whoever does move into my home will be getting a home that myself and my children have loved for 13 years. The only house they have ever known. I have attempted everything I know how short of bankruptcy. Many lawsuits have been filed for these same reasons. I am a party of a class action suit. One day justice will be served. It might not be in the near future, but they will be held responsible for their greed, lies, and practices.

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