Consumer complaint received 2017-07-06
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

During the Country recession I was unable to work many hours and my income was reduced and I was unable to comply with all my financial responsibilities. I got behind on my mortgage already like 50 months. I requested assistance at a Non-profit agency XXXX XXXX XXXX on XX/XX/XXXX. My Counselor XXXX XXXX XXXX recommended to continue making my mortgage payments however the lender did not received payments my counselor explained that usually after 3 months some of the lenders do not accept payments instead they accepted total amount due with late fees or attorney fees is the loan incurred on a foreclosure process. My counselor then submitted a loan modification application on XX/XX/XXXX thru the Loan Portal then on XX/XX/XXXX received a message via Loan portal about the Denied for the HAMP program. My Housing Counselor submitted an appeal letter since then the Select Portfolio Servicing , Inc. ( SPS ) Started to ask different documentation all the time from different people sometimes the same documentation over. During this process at the end of XX/XX/XXXX they approved me by phone for a trial payment plan and I authorized them to take the money directly for my checking account I then realized that they stopped to take the payments and they I called and they told me that the loan was under review for loan modification and. Then I contact my Counselor he called and talked to SPS representative and as told that I stopped making the trial payment 's. How I was able to stop them if they were taking money from my checking account and I never call to cancel the payments they stopped getting the payments. We started the process again submitting applications and documentation over and over. Then on one of my employers paystub do not show the year today income this issue was a request from SPS on some of their letters ( attached one ) they stated that if ca n't provide the year today income borrower can send bank statements or a letter from my employer stating the ready today incomes. For several months this was the issue I have provided ban k statements, Pay stubs from my 2 employers, letters and statements from my employer showing the year today income. SPS denied the modification again after they kept requesting the same information over and over. On XX/XX/XXXX my Housing Counselor recommended to contact XXXX XXXX XXXX XXXX I did however I did not qualify for their services because my income exceeds of their income eligibility. My counselor contacted them and stated the same because my income I was not able to qualify for their services. However they were able to give my counselor a print out with the calculations and according with those calculations I qualify for the HAMP tier 2 (  Attached a copy ) I then asked my Counselor to submit the Water Fall calculation to proving that I qualify for a HAMP tier 2. Counselor submitted the documentation and also submitted update bank statements and pay stubs and the same thing happened again SPS started to ask same documentation over again finally my Counselor was told to submit a verification of employment to prove my year to date income. More documentation provided and they denied again stating that I do not have enough income to keep paying my mortgage, before I was denied because the amount own was too much. I decided to write and submit an appeal letter to SPS and CC to Metro Fair Housing and the Georgia Department of Law Consumer protection Unit. They replied I attached their letter as well. I believe that SPS have been taking long time to get an approval first because they upset that I get behind too much time I having letting them know that I 'm aware of my debt with them and I want to pay. I also let them know that I have some money I have been saving for any payments affront that they may require. I also believe that they are taking on me because I submitted a complain to the Customer Protection Unit and to the Metro Fair Housing. As I explained to them my wife XXXX XXXX   last year on XX/XX/XXXX she left with the worry of us losing our home. I hope they can give us the opportunity to keep our home I want to have the opportunity to keep proving a roof for my family ids why I have been working so hard in two jobs. I do have the income to continue paying my mortgage. Please let me know if you have any questions you can contact me at XXXX or my Housing Counselor XXXX XXXX XXXX at XXXX or XXXX. I requested my housing counselor with his notes better explain my case with SPS. Attached also Housing Counselor notes. Thank you and I will appreciate any assistance you can provide. I have received a letter stating the foreclosure Date on XX/XX/XXXX.