Consumer complaint received 2019-03-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ

Complaint narrative:
Continual bait and switch pertaining to documents, dual tracking while in active modification, fraudulent behavior pertaining to offering an outrageous re-payment plan after I paid the TRIAL PAYMENTS which was long ago but never gave me the modification, even though I was told it was " in the mail '' and to please be patient with them as they were running behind. It never came in the mail and I was told to continue making the TRIAL PAYMENTS, which I did for 2 more payments until a representative asked me why I was still making the Trial payments when I was only supposed to make a total of 3 payments? I said because I was told if I stopped I wouldn't get the modification papers. This Rep. said that was not true, that according to my Trial Plan only 3 payments were necessary to fulfill the terms. He said to stop making payments and to wait for the modification documents in the mail. Those documents never came. No explanation came either. Then months later after MANY calls they asked me to submit new documents again. Now this is the offer given, an enormous repayment plan not a modification as promised! 
These are the behaviors, deceptive and unfair business practices that the general public has to wade through in order to not have your home taken away. Select Portfolio Servicing INC., is laden with harassment, corruption and fraudulent displays of incompetent lies. The C.F.P.B. must hold these debt collectors accountable for Dual Tracking and other deceptive practices or else we will be turning our country over to complete lawlessness, which we are pretty close now. My request is that you investigate this company and hold them accountable. 

XX/XX/XXXX- Select Portfolio Servicing ( SPS ) Representative XXXX XXXX-XX/XX/XXXX sale date/transferred to ( ombudsman ) XXXX  XXXX . I was told SPS received my documents for modification and reviewed on XX/XX/XXXX and that my file was in ACTIVE MODIFICATION. I requested that the XX/XX/XXXX sale date be cancelled as this constitutes violations of DUAL TRACKING. 

XX/XX/XXXX-SPS Rep. XXXX XXXX XXXX I called to verify that SPS had received my financial documents for modification, now SPS is telling me  that they never received my documents, even though I was told on XX/XX/XXXX, 2 days earlier that my documents had been received and verified and reviewed on XX/XX/XXXX. This activity of BAIT AND SWITCH should never be allowed. SPS figures that if they can lie and convince homeowners that they have never received the ACTIVE MODIFICATION DOCUMENTS that it will put them in a position to foreclose on the XX/XX/XXXX sale date and not be DUAL TRACKING. I requested the XX/XX/XXXX sale date to be postponed/cancelled and explained that the documents were received and in review as stated on XX/XX/XXXX by Rep. XXXX XXXX, as this constitutes DUAL TRACKING. 

XX/XX/XXXX-SPS Rep. XXXX XXXX He requested the new 2 page RMA form and verified that all of my documents had been received and in review back on XX/XX/XXXX but did not have all of the documents needed, even though I had complete verification that SPS received all financial documents for Active Modification. SPS has again denied that they have not received all my documents, trying to disqualify my file for modification, so SPS can put themselves in a position to foreclose on XX/XX/XXXX. Once again, I requested postponement/cancellation of XX/XX/XXXX sale date as this constitutes dual-tracking violations since XX/XX/XXXX my documents were verified received and in review. 

XX/XX/XXXX-I emailed the new 2 page RMA requested on XX/XX/XXXX since they no longer were excepting the regular 7 page RMA that I sent in and was accepted on XX/XX/XXXX. This is now the second time I am sending the same documents in but now SPS wants it on a different format. SPS uses these strong-arm tactics to discourage homeowners from keeping and trying to keep their homes. As if you dont, repeatedly send the redundant documents, they will not postpone the sale date and take your home. DUAL TRACKING is in serious violations!!!! SPS has clearly  received and verified my documents and is now still pretending that they have not received them, this is corrupt to say the least!!! 

XX/XX/XXXX XXXX-verifed SPS received 2 page RMA I just emailed in. 

XX/XX/XXXX-SPS Rep. XXXX, XXXX- Quite unbelievable at this point, SPS pretended that they did not receive my new 2 page RMA verified on XX/XX/XXXX at XXXX. Once again incompetent dual tracking violations and just all out pathetic behaviors! I requested XX/XX/XXXX-sale date to be postponed/cancelled. 

XX/XX/XXXX SPS Rep. XXXX XXXX XXXX-Once again, after reviewing file, and again saying that SPS did not receive it ( what do these clowns do? ) They now are lying and saying they never received it even back on XX/XX/XXXX and again on XX/XX/XXXX! WOW! What a great strategy to steal properties! Just keep denying that any documents have been received! I requested that the XX/XX/XXXX sale date be postponed/cancelled again. 

XX/XX/XXXX-Yes, again I emailed my FULL PACKAGE to SPS-this constitutes ( 3 ) three times emailing the same documents. 

XX/XX/XXXX SPS Rep. XXXX XXXX He verified that SPS received the new 2 page RMA yesterday. Sale date was finally postponed to XX/XX/XXXX, as documents were finally received and verified again. Must this be the fraudulent actions and process to in good faith get your documents processed? 

XX/XX/XXXX SPS Rep. XXXX XXXX- Now tells me that the sale date of XX/XX/XXXX will be postponedreally?. This is after a day before, XX/XX/XXXX SPS Rep XXXX XXXX told me the sale date of XX/XX/XXXX was postponed and moved to XX/XX/XXXX. These people at SPS are delirious! Once again, conflicting messages! And out of nowhere offers me a horrendous fraudulent repayment Plan, really? Yes, make 12 payments of {$5300.00} per month, then on month 13, deposit {$320000.00} for the arrears. This is not a repayment plan, but a forced down anchor. No help here, just a good ol cram-down. 

XX/XX/XXXX SPS rep. XXXX XXXX XXXX- He advised me of a NEW sale date of XX/XX/XXXX. Dual tracking while my documents are still pending my review, as I have not received by mail yet. 

XX/XX/XXXX SPS rep. XXXX XXXX XXXX-I requested the XX/XX/XXXX sale date to be postponed/cancelled as per the CFPB Dual Tracking law violations. 

XX/XX/XXXX SPS rep XXXX XXXX XXXX- Verified documents were in review since XX/XX/XXXX. She threatened that if I do not accept the cram-down Repayment Plan that there would be no further review. Serious Dual Tracking! And Rep. XXXX acknowledged that since XX/XX/XXXX my  documents were in review which constitutes Dual Tracking. I filed a Dispute letter regarding these issues and file now in DISPUTE STATUS. 

XX/XX/XXXX SPS Rep. XXXX-I requested XX/XX/XXXX sale date postponement/cancellation stating Dual Tracking violations while in Dispute Status and Active Modification process.

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