Consumer complaint received 2022-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
I purchased my home in XXXX. I refinanced my mortgage with XXXX XXXX  XX/XX/XXXX. XXXX bank merged with XXXX XXXX  shortly after the refinance and I was notified within 15 days of XXXX XXXX taking over the mortgage. I called the mortgage agent at XXXX and XXXXXXXX XXXX when I received the certified mail from XXXX XXXX  within the company taking over my mortgage with the merger with XXXXXXXX XXXX XX/XX/XXXX. Nothing changed, my mortgage bill, escrow amount and the XXXX insurance policy that I had included in my mortgage payment when I initially purchased my home was never changed. XXXX XXXX continued to draft my mortgage payment from my bank, kept everything exactly the same way and active by taking my mortgage payment out, my XXXX insurance policy payment out, insurance and property taxes out of my monthly payment that was drafted every month since XX/XX/XXXX. My XXXX insurance policy was included in the mortgage payment from day one of the signing to purchase my home and unknowingly I continued to work full time for the state of South Carolina until I was diagnosed with XXXX XXXX and my XXXX, the XXXX XXXX XXXX XXXX XXXX, my United States Senators, US Congressman, my state Governor and I discovered a few months after that President Trump all told me that they knew that after 18 years of service working for South Carolina and later I was also put over North Carolina, I was pushing myself to continue to work but they didnt ask, they told me that I was retired and with full South Carolina state benefits. I continued to pay XXXXXXXX XXXX  my payment and a representative of XXXX reminded me in XX/XX/XXXX that I had been paying for the insurance policy since I bought my home in XXXX, I am 100 % XXXX because of XXXX and I asked the representative to make sure that this insurance policy covered my health issue of XXXX XXXX and did that qualify me for my mortgage to be paid in full. She told me that I needed to send my verification information into XXXX XXXX stating that I was 100 % XXXX, I did, and she told me that once they received that and it was processed, my mortgage payment was paid in full but I would have to continue to pay my property taxes and pay my homeowners insurance policy on my own. I have done that but I was going to refinance my house with XXXX XXXX and I had an XXXX or XXXX credit score, I was going to update my home but make my home accessible to what I needed to do for my quality of life and also for others that would come to my home that may be XXXX and my home would be handicapped accessible for others as well as anyone that came to my home. I contacted XXXX XXXX in XX/XX/XXXX to inquire about the title to my property and they couldnt tell me why I didnt have the title to my property and they began trying to help me locate the title. I was in the final stages of refinancing my mortgage with XXXX XXXX to make these necessary accommodations and I had a XXXX credit score but then XXXX XXXX, I am told that a mortgage company named XXXX XXXX had obtained my mortgage that was paid off. I contacted the company to ask who they were, where was my title, why had I never been notified within the Federal law that required him to notify me within 15 days of his company allegedly purchasing my mortgage when I never had one and asked him exactly why was he reporting that I was months behind on my mortgage and my credit score was dropping dramatically because of his mortgage company that I didnt know existed. I disputed his company from the research that I obtained from my SCAG office when South Carolina and numerous other states filed lawsuits against that company XXXX. XXXX and South Carolina was doing it again for XXXX. I have a 45 minute conversation with representatives of the company XXXX XXXX recorded with the representatives consent in XX/XX/XXXX and the representatives told me numerous times that I owed XXXX XXXX nothing and my mortgage was paid in full but they didnt know where the title to my property was at? Now Monday XXXX, I was going to look at buying myself a more dependable truck when to be manager at the dealership called me into his office to tell me that he had been hearing about people loosing their homes and they didnt understand why but he understood why when he saw my cedit report. My credit report has XXXX mortgage companies stating that they all took over my mortgage in XX/XX/XXXX and XXXX and XXXX XXXX  were correct but this XXXX XXXX and now another mortgage company that I have never heard from and know nothing about the mortgage company SPS saying that they bought my mortgage in XX/XX/XXXX also. They are lying because thats impossible to do and this has become XXXX Discrimination and XXXX Discrimination and I owe these companies XXXX XXXX and SOS Mortgage that I have discovered are tied in with each other and by-God I am tired of being discriminated against by 2 companies that are committing MORTGAGE FRAUD and scaring citizens into paying them money for something that they have no evidence of owning. I can prove everything that I have stated and I have contacted the United States Civil Rights Division and filed a complaint with that Federal Agency for XXXX XXXX and this SPS mortgage company violating my rights protected by the ADA Act, threats to my livelihood and causing stress to me because of their lies and fraud that is amplifying the horrific things that XXXX XXXX does to my body but I am not going to let people treat me like I dont have a clue about what they are doing illegally. 4 year degree from XXXX XXXX XXXX in XXXX XXXX and I can only say that I had Federal jurisdiction and I am not going to let criminals like this bully and discriminate against myself and my family, I am wanting the title to my property because I owe no one anything on my property and I have already filed complaints against this SPS company for XXXX and XXXX Discrimination and I want my credit score back to XXXX immediately because I have never missed a payment on anything 23 years after I graduated from College. I want their response immediately because I am finding out more everyday from other citizens who are having the same issues that I am having with these people.

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