Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT

Complaint narrative:
XXXXXXXX XXXX XXXX successor trustee to XXXX XXXX XXXX XXXX, on behalf of the holders of XXXX XXXX XXXX XXXX XXXX I XXXX XXXXXXXX, Asset-Backed Certificates Series XXXX is the Noteholder of the account, and SPS is the mortgage servicer. 

Its not only " what happened '' but what has continued to happen to this very day, inherently causing a systemic hardship which has chronically denied us all opportunity to reinstate our mortgage/repay arrears despite that our financial hardship which caused the default in XXXX was SOLVED and documented as such during XXXX XXXX in XXXX. We were denied all assistance options at the last court mediation session on XX/XX/XXXX via the personal statement by the attorney representing the above entities, XXXX XXXX of XXXX XXXX XXXX XXXX. Attorney XXXX followed the " bad news '' with the following statement : 'but the income they used in arriving at their decision ' " is OUTDATED ''. Despite following through with Attorney XXXX 's advice to re-submit our most current employment status and proof of income in a letter of appeal, we were informed that the denial stood with no explanation of why our most recent favorable employment changes and income documents, which were provided during XXXX XXXX and re-submitted with our letter of appeal were IGNORED. Since XXXX we have repeatedly applied for assistance from the above entities, retained XXXX attorneys to assist us and exhausted all other resources i.e XXXX and XXXX XXXX XXXX. We were denied assistance at every turn, which has caused our current hardship of lack of access to remedy a longstanding default which WOULD NOT EXIST but for the wrongful denial of ALL assistance options by the above entities in XXXX. Foreclosure was imminent in XXXX until l filed a similar complaint with CFPB and I received a phone call from SPS informing me I was now eligible to apply for assistance and was granted a XXXX  month repayment plan on the arrears, which were now at approximately {$150000.00} compared to {$50000.00} in XXXX when we had proven we had resolved our financial hardship. Upon successfully completed that plan in XXXX we were required to apply for assistance again and were again DENIED until I filed another complaint with CFPB. Another XXXX month plan was granted and successfully completed on XX/XX/XXXX. Select Portfolio Servicing on behalf of the other entities listed above communicated another denial for continued assistance in response to what they claim as a request dated XX/XX/XXXX, for which I had not yet applied. They also communicated in writing that I am ineligible because I did not complete the payment plan, which is incorrect. I asked in writing via email for details regarding the discrepancy of non completion of the plan vs. my records and I received no response except for another letter of ineligibility for further assistance, with no explanation as to WHY on XX/XX/XXXX. 
Our quality of life since XXXX has been severely compromised by this chronic denial of access to a permanent remedy to a default caused by hardship that we RESOLVED in XXXX. We Love our home, yet lack the peace of mind to move forward with updates, improvements and even repairs that prevent us from obtaining our own homeowners insurance, specifically re-paving our driveway. More importantly, because of this perpetual refusal to offer a permanent solution, we have lived with the fear of homelessness for close to a decade.

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