Consumer complaint received 2019-05-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (OK)

I have continuously asked SPS what all of these fees are? I signed a deferral in XX/XX/XXXX. But for some reason, I continue to get fees. When these fees appeared on my account, there were no late payments. I have tried to contact my relationship Manager XXXX, but she must no longer work there. I have been assigned several different relationship managers, but they never call me. It's always some random employee. They call me at work during the day. I have asked that they not. I have reached out to XXXX XXXX who is the supposed note holder, but they have no record of me. On XX/XX/XXXX, I had them become an authorized third party to show that they do not have any information regarding my loan, or my name or my SSN. So how are they they foreclosing party? What benefit are they getting out of it? What are their modification guidelines? There is no record of my XX/XX/XXXX payment that shows on this statement, but does not show on the SPS transaction history report SPS has submitted to you all in the past for complaints. One XX/XX/XXXX I received an escrow analysis for an escrow shortage. It says I have a shortage of {$120.00}, however, property taxes and insurance did not increase during that time. I will provide documentation from my insurance company to verify. It shows an E for estimated amounts, but the amounts have not occured, but yet they charged me for that! I would like to know why my mortgage is an extra {$190.00} each month even when I'm not behind. In the past when they attempted foreclose and even had a sale set in XXXX, they didn't have the assignment attached, but they later went back and attached it. How ironic huh? They supposedly assigned in XXXX of XXXX, but it was not recorded in my county records office until XXXX of XXXX. They only have 60 days not 2 years, but yet this handwritten forged documented was allowed to be used. And a judge let them do it. But it was withdrawn. I fell behind in XXXX and have attempted to get assistance, and all I hear is from SPS saying I can't afford my home. 

I also have an agreement in my mortgage that shows I do no want an escrow account, but SPS went ahead and escrowed w/out notice to me. If I signed that notice, please send me a copy so I can get it to my attorney. 

I never received a rejection letter of my request for mortgage assistance. On XX/XX/XXXX the sheriff sale information was updated and showed my name and address. However, I had until XX/XX/XXXX to bring my account current. I was planning on making that payment before I left town for the holiday, but I thought it would be rejected since the sheriff sale is set. 

I'm at a loss. My children have seen me cry so much in the past dealing w/ this company. I communicated with SPS that my $ XXXX/month child support payment had stopped because the non-custodial parent left town and child support enforcement can not find him. This happened in XX/XX/XXXX. I've been scared to death every since then. I need assistance. 

If it comes to it, I will sell my home a week before the sell to a cash buyer, or I will file bankruptcy to keep this company from getting my home and to keep me from being homeless.