Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
I had an assumption agreement with my mortgage company that was due by XX/XX/XXXX. I Faxed the assumption agreement in on XX/XX/XXXX but I turned it in 2 days to late. I sent in an appeal and a notice of error and I owned up to it being my fault that the assumption agreement was late. I also sent in the first months payment on XX/XX/XXXX. I was told that the assumption agreement had been terminated. I requested for a reinstatement of the assumption agreement. I received a letter stating that if I turn in the wet ink copy of the assumption agreement and the payments that they would reconsider to reinstate assumption agreement. I sent in the assumption agreement 2 day express and paid the {$70.00} fee to send it. I paid the XXXX payment and called the mortgage company to tell them I made the payment and was going to make the other payment when i could get a ride to my bank to put the money in the bank but i was told that they could not accept anymore payments. The second payment that I made was by XXXX XXXX and I had to pay a {$50.00} fee to send as well as when i sent the first payment because I paid them both online. The second payment was sent back to me but the first payment was never sent back and they still have it. I had assumed that since they had never sent the first payment back that they would reinstate the assumption agreement. I am now still in a foreclosure sale date of XX/XX/XXXX of this year 2025. I have been struggling with all of this hardship and grieving with the passing of my husband for over 4 years now. I was relieved thinking that everything had been worked out with the mortgage company with the assumption agreement and trying to get my finances in order with the help from family so that I would be able to make my monthly payments and pay my other bills. Now XXXX told that the assumption agreement can not be reinstated and I am in a Foreclosure sale date again and I am desperately requesting help to please reinstate my assassumption agreement or have a new XXXX drawn up, whatever it takes to save my home that my XXXX grandchildren and I live in and they have been raised in their whole lives as well as my husband and our own children. My husband XXXX up the plans for this home and built it as he made the money. I ask for a chance to show my mortgage company that I can and will make the monthly payments that would be drafted from my bank account each and every month. There is no way that I could afford to get a place to stay with the growth in XXXX XXXX. Since the mortgage company never sent back the money from the first payment from the assumption agreement, again let me just add that I assumed everything was good. I truly want this to workout with my mortgage company and they will see that I have my mentality state of mind back even though I will forever grieve the loss of my husband. Now I am just in a better state of mind for the past few months finally since losing my husband and I just want to be able to move forward with my grandchildren living in our home that was meant for us to live out our lives in and pass on to our children and grandchildren. Thank you for your time in reading this and for any and all help that you can assist in on saving our Home.

Company response to consumer: Closed with explanation