Consumer complaint received 2018-07-29
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

This all started with my job loss in XX/XX/XXXX when I reached out to XXXX XXXX to reduce my mortgage payments. I literally chased XXXX for almost a year before finally signing papers in XX/XX/XXXX and secured a much needed mortgage modification. After making my first payment, a few weeks later the sheriff was at my door with foreclosure papers. I told him everything was already taken care of and I just made my first mortgage payment. He told me to call the attorney 's office listed on the paperwork. I called immediately ; the girl told me that it looks like they forgot to remove my name from their " list '' and that it was an oversight, she assured me it would be taken care of and not to worry. That was the LAST I heard about any foreclosure until XX/XX/XXXX when the Sheriff taped the notice of Sheriff Sale to my door! 
At that time in XX/XX/XXXX I, of course contacted XXXX but couldn't get a live person. ( This was the time XXXX was taking over XXXX and it was pure chaos ) I kept calling for weeks and only receiving voice mail, until one day I was provided a XXXX phone number. I called XXXX and was told they knew NOTHING about this modification and that I needed to move forward and apply again. This was a very difficult time in my life as my father had suffered with XXXX for years and unexpectedly passed away in XX/XX/XXXX. I'm a fighter and usually would have fought for the signed modification/ I already completed with XXXX but I took the mortgage rep 's advice to move on. This is a decision which I regret to this day but I was vulnerable, grieving and traumatized by my dads passing. 
I had to reapply for a modification once again, this time with XXXX XXXX XXXX. Their careless and negligent practices were enough to drive someone over the edge. I had to send in the SAME paperwork over and over again, reapply over and over again, my representative changed continuously. It was horrible. In XXXX XXXX XXXX XXXX offered me a new modification thru the XXXX XXXX XXXX, this modification was to reduce my principal and monthly payments significantly, I signed the documents to proceed ( 2 or 3 times! ), faxed what they needed and the next thing I knew, they transferred my mortgage to a servicing company who knew ABSOLUTELY nothing about this modification program! 
After constantly calling and sending letters to this servicer, I was AGAIN transferred to another servicing company, then another ... ..now they have a Sheriff 's Sale on XX/XX/XXXX from a foreclosure that was filed 10 years ago that I didn't even know existed and I am going to lose my home! I had a HUD Counselor involved and called SPS on Friday, XX/XX/XXXX to ask them to postpone the sheriff sale so I can continue to work with my HUD counselor but then they said, sorry there is NO MODIFICATION OPTION FOR YOU, only the sale ... ..What??? Is this even legal??? I'm devastated ... I bought my house in XX/XX/XXXX and have my son and my XXXX grandchildren here that are XXXX and XXXX. I contacted SPS as I have the other servicers quite a few times and even mailed a copy of the XXXX XXXX XXXX Modification offer under the XXXX XXXX XXXX but they do not seem to care ... they just want to move my house into Sheriff Sale ... they are cold and calculating ... .they are a collection company or that is what they act like ... I have folder upon folder of letters I have written, modification offers just everything ... .I need someones help on this ... ..it doesn't make sense ; they are NOT complying with the XXXX XXXX XXXX and NO ONE SEEMS TO CARE!! I beg someone to help me ... .I 'm in tears every minute of every day and can not concentrate on ANYTHING ... ... .This is unfair and I can not believe it is even legal!!