Consumer complaint received 2020-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
Yesterday XX/XX/XXXX SPS called me while I was at work asking what my intentions were for the property. I informed XXXX I thought XXXX was the one who is supposed to communicate with me since she is my relationship manager. He asked me if I wanted to have XXXX call me back. I told him I thought it was the law and their policy to have relationship manager to contact me. He said it is not their policy, he said nothing about the law. So I talked to XXXX and let him know I would record the call. He said that was OK. He said the account had been referred to an attorney which I knew because they keep setting sheriff sale dates. I told him every time I try and make a payment they send it back unless it's the full amount of $ XXXX. He then told me if I could pay $ XXXX then he could look into reinstating the loan but he couldn't guarantee. This was after I told him about a letter dated XX/XX/XXXX from SPS that said if I pay $ XXXX then they could look into reinstating it. I asked him if he could put the $ XXXX arrangement in writing and he said he could not. He said because there's no guarantee that he could get it done. So honestly, I don't know how much I need to try and scrape up to pay. Is it $ XXXX, $ XXXX $ XXXX. This morning, Saturday XX/XX/XXXX I see a couple stop in front of my house to take pictures. When I went outside they sped off. I then go back and check the XXXX County website and see that their attorney has yet again filed paperwork for another sheriff sale. I asked XXXX yesterday if I happen to win the lottery or even pay off the house who would get the money since XXXX XXXX is only the trustee and they have repeatedly said they are not the owner even in writing and on a 3 way call with SPS back in XX/XX/XXXX. They have repeatedly denied being the owner. I last got a letter from XXXX XXXX stating they are merely the trustee in XX/XX/XXXX. But yet SPS still says they are the owner. And XXXX says that since XXXX XXXX is the trustee then they will distribute the funds to the owners. I asked who are the owners. He couldn't and wouldn't give that information. I said who would get the money since XXXX ( who I assigned the loan with in XXXX right before the housing crisis ) went under and is no longer operating. They keep saying it's the assist backed securities, but their is no proof or trace of my loan in those. They just lumped them and sold them. And XXXX XXXX, SPS ' parent company was in a lawsuit against XXXX XXXX for their misleading practices. XXXX wouldn't not give me the information on who would receive the money from my home. Sounds like a scam to me. He asked me why I needed to know that information and what am I trying to get at. I just told him I was curious at where my money is going. Do I not have the right to know where my money ends up as the person trying to make payments to ultimately own my home? Or is it truly a scam that you preyed on innocent people and they are doomed to lose their home and you all pocket the money? Is it a scam? Why can they not put an agreement in writing? Did SPS try and still my title? Because the assignment that is filed in the court clerks office not accurate and yes, I keep going back to this, it was filed 2 years after it was supposedly dated, 2 years after them losing payments in XXXX and XXXX and trying to foreclose. They realized they couldn't foreclose without having it assigned, so they forged the document and filed it in XX/XX/XXXX. The lady that signed it has agreed to be subpoenaed and say she was never a manager with XXXX. She signed documents and they later filled that portion in. She was a customer service representative. I have no choice at this point other than file for bankruptcy to stay in my home. I am a single mother and need my home. SPS has ruined my credit so much I have no hopes of ever renting or owning a home for several years to come. SPS only apologizes saying they are sorry I wasn't happy with their service. When is the US government going to wake up and see what this company is. They are frauds. They and their parent company XXXX XXXX are always in trouble with the US government for fraud. Their CEO just resigned for spying on people. Something SPS does when they send people to my home to " inspect it '' and then illegally charge {$75.00} for inspection fees. They know I live in the home. And when I ask for their policy they do not submit it and XXXX asked me why would I want that information. Because I have a right and they are violating my rights. Why will they not submit a policy? Why are they allowed to lie to consumers and violate their rights? I am not the only person this has happened to. Read all of the complaints. And just having them reply to these requests and complaints on here does no good. This company needs to be stopped. How many people are they allowed to kick out of their homes even when they try and make payments? Will the government not stop them until another housing crash happens? SPS and XXXX XXXX has lawsuit after lawsuit for violating consumer rights, misleading and questionable practices. They get a slap on the wrist and just like in XXXX say they are supposed to help home owners so they then offer programs but then raise the rates after about another year claiming escrow shortage to almost double the other rates. CFPB I beg you to look into this company further. Check out the Justice Department and their cases against SPS and XXXX XXXX. Consumer after consumer has the same complaints and same stories. This can not be a coincidence.

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