Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Eventhough I filed a complaint earlier in regards to Select Portfolio Servicing, Inc., ( SPS ) new details have come to light as to their blantant disregard for federal guidelines during XXXX. 

My mother passed away, followed by a diagnosis of stage XXXX XXXX XXXX. I had XXXX, and XXXX started in XX/XX/XXXX, at the start of the pandemic. I was unable to work as a substitute teacher. Plus schools had shut down. I was not eligible for XXXX. I eventually received some unemployment funds. After XXXX was XXXX. I completed preliminary treatment in XX/XX/XXXX. My husband and I accepted a forebearance plan from Select Portfolio Servicing , Inc . I returned to work as a co-teacher for XXXX, working over XXXX. 

In XX/XX/XXXX, my husband became ill. He had XXXX XXXX  which eventually progressed to advanced XXXX XXXX. He was hospitalized XXXX times during the fall and winter of XXXX. He was denied a double XXXX transplant in XXXX and died XX/XX/XXXX. He was not a XXXX  patient and his pulmonlogist was pulled into the covid wards. His medical care was not given a priority due to XXXX. 

I continued to work as a co-teacher over XXXX until XXXX, XXXX. XXXX schools returned to in-person teaching. As I was still in recovery from XXXX, my doctor did not allow me to return to in-person teaching. I applied for unemployment but was denied. 

The forebearance plan was coming to an end so I reached out to SPS to apply for a remodification. I requested adding the forebearance amount to the rear of the loan. 

SPS denied my remodification stating I do not make enough money to grant a remodification. 

SPS was aware of my circumstances leading up to forebearance and requesting assistance in repaying the forebearance. 

I was told by SPS that the entire amount of forebearance, approximately {$45000.00} was due in full by XX/XX/XXXX. Otherwise, my home would go into foreclosure. 

At no time did SPS offer any other resolution or options. 

I now find out there were several options that SPS, according to federal guidelines and the California Homeowners XXXX of Rights afforded me, as well as a federal XXXX to aid in the payment of the forebearance. 

According to federal guidelines XXXX. I did not have to repay the forebearance amount in full, but would be allowed to make monthly payments. 

XXXX. Threatening foreclosure instead of a workable solution. 

XXXX. Extending the loan was not presented to me. 

XXXX. Violating SB XXXX XXXX XXXX XXXX of Rights. 

XXXX. Federal covid relief grants from the XXXX XXXX XXXX XXXX None of these options were presented to me as per federal guidelines and XXXX XXXX. 

I was forced to sell my home of XXXX  years, and uproot my entire life. I did not have {$45000.00} as a lump sum to pay back the forebearance. The only choice I was given was to sell the house or face foreclosure. 

With the little money I had left from the sale of my home, the only area I was able to afford was a house in rural Georgia. My life was turned upside down as I had to adjust to a small, rural town, coming from XXXX XXXX. It was not my choice to sell my home, but it was the only choice I was given by SPS.

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