Consumer complaint received 2024-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX I was previously with fifth third bank and I asked him to investigate why I was done in the foreclosure over {$.00}. I was made to fill out 16 hardship forms. Ive never seen anything like this. They discriminated against me until they sold my mortgage to SPS. Select portfolio got my information in XX/XX/XXXX. I had to fill out several hardship forms until one of the representatives called me and told me that I was missing the little small box that I needed to check because my husband was in the military. He died in XXXXXXXX XXXX XXXXXX/XX/XXXX. I simply wanted to be reinstated instead of them trying to make me pay this big large amount because of them discriminating against me and not wanting to give me the opportunity to have that reinstatement straightened out over {$.00}. SPS mortgage company is being discriminatory against me because they refuse to reason with me listen to the problem that I have a fifth third and how fifth third sold my mortgage to them in the middle of them, straighten out the situation that they threw me into. There should be a law against this people discriminating against you because of your raise your XXXXolor because of your age, disability, etc.. they are trying to steal my home. Theyre trying to take my home. Theyre trying to auction my home off without answering any questions I have, but just trying to steal my home. My loan number is XXXX. My address is XXXX XXXX XXXX, XXXX OH XXXX. My phone number is XXXX Their address XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX, XXXX XXXX XXXX, UT. XXXX In the three months that they claimed they were going to work with me and help my mortgage to be reinstated. I got nothing absolutely nothing done with XXXX 

I tried reaching out to my relationship manager, his name was XXXX and Ive been with this company for XXXX months. They drug out my situation now theyre trying to sell my home in foreclosure is just not right. Its not there and I feel I am being discriminated against in a number of ways. Im being preyed on. This feels like predatory lending to me. I am a senior citizen, XXXX one at that and Ive been in my home for 23 years and now they dont want to talk to me when I called in there. Every representative is saying that the screen is XXXX so they cant really tell me anything.. I try to talk with the higher authority theyre in there, refusing to reinstate my mortgage. How can you lose your house over {$.00} that you forgot to put on your paperwork I dont understand. I want this investigated. In the three months that they were supposed to been working with me to reinstate my mortgage I got nothing done. They wont explain to me why they wont work a solution out, and they have been acting with discrimination towards me. I am seeking to get resolved with fifth third damage for me. I talked to one of the representatives and she told me the fifth third bank, which is not supposed to have anything to do with this bank called them on XX/XX/XXXX so that I would not be able to be reinstated unless I came up with an exuberant amount of money. Thats not right. This company should be investigated for manipulating the SPS select portfolio company. They need to just reinstate my mortgage back so that I can continue to pay what I was paying. XXXX a senior citizen and my husband was in the military. He died in XXXX he wouldnt be able to understand or believe this. Discrimination is very toxic and it causes health problems and everything else. I need them to be investigated, and I need them to answer questions and I need them to reinstate my mortgage the way it shouldve been when it was sold to SPS. Fifth third bank is still causing problems and they dont even have anything to do with this company. The company told me that they had their own company and they dont have nothing to do with the third but yeah fifth third called them XX/XX/XXXX to manipulate them into not reinstating my loan, unless I was able to pay money.. please help me resolve this problem. Im devastated, particularly dealing with this discrimination and being taken advantage of because Im a senior citizen in the XXXX of my skin. Thank you, XXXX XXXX XXXX XXXX XXXX XXXX OH. Today is XX/XX/XXXXXXXX XXXX

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