Consumer complaint received 2022-08-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Please be advised of our former complaint # XXXX submitted on XX/XX/XXXX. My husband I were in a XXXX  XXXX from XXXX until dismissal until XXXX. While in the XXXX we continued to make our regular monthly payments and paid the trustee. After the dismissal in XXXX we continued to make our regular monthly payment. Select Portfolio Servicing ( SPS ) began requesting the deferred amount and we were offered a repayment plan in XXXX monthly mortgage was increased by {$500.00} more than my regular monthly payment, and there was a balloon payment at the end of the plan of approximately {$60000.00}. *I want to make note here, that during this time we also began to feel the affects of XXXX in our household and family beginning in XXXX of XXXX. * We were told by more than one SPS representatives, not worry about the balloon payment, because SPS would provide us another workout option. We were told to call back the 12 month of the last payment. However, my husband and I called back several times prior to the end of the plan to be reassured that SPS would have another plan. At the plan we called and we were told, SPS has no workout plan. There were no options for us. Due to XXXX, the present opportunities my husband had to make money was stopped suddenly. The type of work would be inside work, and the XXXX shut down caused him to loose out. Afterward his XXXX XXXX XXXX ( I do have proof ). My husband and I sought other ways to take care of the balloon payment. We connected with XXXX and began the process of refinancing the home. The appraisal was completed on the property, the title search was done. At this point the only thing saving our property from foreclosure was XXXX relief. And, it stopped. We made our XX/XX/XXXX payment and SPS held it and would not apply the payment. We were told by a SPS representative to submit the XX/XX/XXXX payment. We did, and SPS would not take the payment. Neither would they take XXXX - XXXX. The underwriters needed to see 12 monthly mortgage payments and we could not do so because SPS stop taking the payments. As a result, XXXX could not refinance the property. We were in a XXXX with SPS pulling all the strings. In XXXX, we were offer a XXXX forbearance, and SPS started taking the payments again. We were offered another XXXX  forbearance plan. We have paid continually throughout each forbearance/repayment plan. SPS act as if they want the consumer to keep their home and not go into foreclosure, but that can't be true. I have appealed and appealed. I am no closer to knowing exactly who the investors are. We are working with the Homeowners Assistance Program ( 'HAF '' ) through the Department of Community Affairs , XXXX XXXX XXXX HAF is in the final stages of approval for a cap of {$50000.00} which they are likely to provide, and we would like to finalize a potential workout with SPS for the remaining arrearage of approximately {$22000.00}. The HUD approved counselor, along with me and my husband, have tried to reach out the OMBUDSMAN department concerning this matter. I have pleaded with SPS many many times to provide a workout option with me. On XX/XX/XXXX, I received a message from SPS stating, SPS is pleased to inform me that I have been approved for a work out a temporary repayment plan to assist in making payments against the lien on the property. I have uploaded the repayment agreement that has been offered to me. I really don't appreciate SPS treating me as a joke. They know the repayment plan ( which is attached ), is absolutely ridiculous. This not a company who is trying to help.

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