Consumer complaint received 2015-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
this began when XXXX told me the only way they could modify my mortgage was for me to be behind on my pymnts. This was back in XXXX. The loan person said that if I would miss XXXX payments, then I could apply for a modification, and they would then be able to help me.. But as long as I was current, they could not modify my loan. So, i missed the XXXX payments they told me to, and applied for the modification. I did everything they told me to do,, The paperwork was incredible,, and I have submitted XXXX times,, re- submitted,, re-supplied " lost documents '' to them,, they have given me nothing but a complete run around. Now, as of XXXX XXXX, they transferred me to SPS..I was assured by SPS that they would get the modification done quickly and effectively,, and they apologized about what XXXX had put us through,. Ok, It is no different with SPS.. they have asked over and over again for the same documentation,, and I have provided it. The only thing I can say is that SPS allows me to submit via e mail,, and that helps a lot,, it also gives me proof that they received the documents. It is much better than faxing over and over again. So, the amount of money they say I am behind is incorrect. The payment when it was with XXXX was figured wrong for about XXXX months, becuase XXXX messed up my escrow analysis. XXXX wrote me in XXXX of XXXX telling me finally, that they had messed up my payment amt,, and that I was correct, and that my payment was not {$1500.00} per mo,, but it was {$1000.00} per mo,, then,, they transferred it to SPS,, and sps is using the incorrect amt of {$1500.00} too.. Even thought hey can clearly see my statements from XXXX,,, and even the sps statements show the XXXX amt.. ok,, it has now been XXXX months with no modification. PLease help me.. This has ruined my credit,, I was at a XXXX credit score when this began,, the hardship lasted XXXX year,, we can make normal payments,, my credit score has gone down to XXXX because of this XXXX.. and clear violation of my rights. They are running rough-shod all over me,, and no one will listen.. We are good people.. I am not leaving my home,, my mom XXXX in this house,, I raised my XXXX boys in our house,, I just want a modification.. Now, they say that they need XXXX more months of bank statements. that the last batch I sent them, the underwriters could not decipher the income on the deposits.. even thought the deposit amounts match the XXXX income statements exactly. We are XXXX employed, ,have been for XXXX years.. have good income,, all our tax returns are in order, ,they have them all,, This is our primary home,, I am begging for you to help me, XXXX My files on XXXX and SPS are over XXXX " thick XXXX. I have kept all correspondence.. they have not filed foreclosure ... .they are asking me if we have a copy of the note,, they can not find it.

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