Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
sps servicing XXXX I have been impacted by XXXX back to back NATURAL DISASTERS FLORIDA HURRICANES XX/XX/XXXX, XX/XX/XXXX. and XX/XX/XXXX. I was able to make the XXXX payment. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - XX/XX/XXXX Major Disaster Declaration declared on XX/XX/XXXX ( Hit XX/XX/XXXX ) Mandatory evacuation. Had flooding, damage to home right side XXXX had flooding, downed power lines. no water as treatment plant offline and & underwater. Sewage backed up into the home. No electric or water for 2 weeks. Damaged included roof damage fence, sofit and fascia damage front door damage, screen damage gutters and power pole mass damage when power line snapped. I called and spoke to male think his name is XXXX XX/XX/XXXX and completed a form online to request XXXX deferment he said I could get instead of the repayment. He held online while I completed the form. I also left due the repayment plan on acct for XXXX mo @ {$1200.00} due XX/XX/XXXX in place, which I could afford & planned to honor. However, as a backup if declined deferments. He also added the disaster forb to the account for XXXX and XXXX ) for XXXX deferment. 

After 3rd HURRICANE hit less than 2 weeks later things changed for me again. This was also a MANMANDATORY Evacuation. INSURANCE CLAIM FILED # XXXX FILED and awaiting additional damage to be reflected on the claim. XX/XX/XXXX PENDING, XXXX INSPECTION DONE XX/XX/XXXX PENDING XXXX. Florida Hurricane # XXXX XXXX ( XXXX ) Incident Period : XX/XX/XXXX - XX/XX/XXXX Major disaster declared XX/XX/XXXX ( Hit XX/XX/XXXX ) MANDATORY EVACUATION ordered XX/XX/XXXX thru XX/XX/XXXX. I did evacuate out of state with my pets. Employer did not pay for entire time out of work. I drove XXXX hours to get out of Florida XX/XX/XXXX, ran out of gas etc. no gas /food in the area ) I called in to advise of my situation XX/XX/XXXX spoke with my XXXX  XXXX we got off to a very rocky start as she was having difficult day & I was having bad day too. She rushed me the entire conversation to the point I asked multiple time to stop rushing me. She was cancelling things right n left defm req, forb, and the rpp. SHE WAS CANCELLING it all. I was trying to explain 3 back-to-back hurricanes and the financial impact it was having on my ability to pay plus the expense of being displaced I needed info to get options, we were finally getting there and call dropped. She failed to call me back. I called back immediately and repeatedly and left message for her to call me back today or tomr. NO CALL BACK that day or the next. from my SPOC.. I called in on I think the XXXX and left another message with XXXX who was not HELPFUL at all. Stated I was not being reviewed for anything? Previous rep cancelled everything, WOW! I sent a letter of complaint immediately and was again called XX/XX/XXXX by XXXX XXXX we both apologized and tried to move forward. She did advise she canceled everything and was going to go in and uncancelled it. Thought I wanted it all cancelled? No, I didn't I just had question on what to do, as my assistance for repayment plan & previous rep also told me I qualified for 2 Mon deferment, and I filled out 1 page application online with this guy on the phone. She told me I would get letter n mail with decision Meantime I make it back to XXXX XX/XX/XXXX Home smells like seaweed. Some flooding in the home had dried up. Trees up rooted front and back yard laying on neighbors ' fence in back with giant palm tree across my driveway in front. My shed and all tools destroyed, tiles popping up in front door area as well and bottom faceplate messed up torn. Laundry room flooded ruined my washer and dryer and caused tile to pop up. Patio also popped up tile. Screens have holes due to flying debris. No electric for 2 weeks and no water usage due to treatment plant offline, Area infostructure made it unsafe to return to area no gas no food no water. This home was unlivable and not safe for an elderly person me. 

Once I returned, I reached out again and was told no help for you? Then I get some bogus evaluation in the mail ( to SELL MY home, with lots of picture from the angle of my home you can't see the roof pealed up on the right side or the dilapidated fence and the palm tree XXXX my driveway ad my shed and fence destroyed. They are stating a very large, inflated value and ( XXXX ) XXXX REPAIRS needed ) XXXX XXXX scam inspector person didn't have ANY PHOTOS OF. how suspicious. INSURANCE CLAIM FILED # XXXX FILED XX/XX/XXXX. They have no pictures XXXX the right side of my home all the damage. 
I am requesting an appeal, for assistance. I have even received my insurance funds yet. HAVE SOME EMPATHY FOR HURRICANE SURVIVORS It could be you next. 
Is this just a LAND GRAB ATTEMPT? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX call before NOON Mon thru FRI XXXX I work XXXX daily

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