Consumer complaint received 2019-12-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA

Complaint narrative:
We are submitting this complaint as a follow-up complaint to our discrimination complaint submitted on XX/XX/2019 regarding Select Portfolio Servicing , Inc. account # XXXX. On XX/XX/2019, I returned a phone call at the request from a Select Portfolio Servicing Representatives ( Ms. XXXX XXXX ) voicemail that I had received from the Select Portfolio Servicing Consumer  Onbuzzment Department. The customer service representative that I spoke with informed me that Select Portfolio Servicing has a foreclosure sale date of XX/XX/2019 and that our account Reinstatement Good To Date is : XX/XX/2019. I asked the representative if the Reinstatement Good To Date could possibly be extended, as we are still just a little shy of obtaining the full amount of money quoted me over the phone to bring our account current. The representative begrudgingly stated that, it is uncertain whether or not your home will be foreclosed on, on XX/XX/2019, because you filed a complaint with the Consumer Federal Protection Bureau ( XXXX-XXXX ) on XX/XX/2019, and Select Portfolio Servicing Management is still trying to decide how they are going to respond to your complaint, and whether or not Select Portfolio Servicing will foreclose on your on XX/XX/2019 is a day-to-day Select Portfolio Servicing Management decision. The representative also stated that we can expect to receive resolution regarding the recent inquiry ( CFPB complaint ) by 10 XX/XX/2019.

Next, the Select Portfolio Servicing Customer Service Representative stated that three documents ( 1 ) regarding our CFPB complaint ( # XXXX-XXXX ), ( 2 ) a Relocation Assistance Agreement, and ( 3 ) an Account Reinstatement Quote was mailed out to us on XX/XX/2019, and asked if were in receipt of these documents. I informed the Select Portfolio Servicing, Inc. rep that we have not received any documents from Select Portfolio Servicing , Inc . It is now XX/XX/2019 and we still have not received the documents that Select Portfolio Servicing , Inc. alleges to have mailed to us back on the date of XX/XX/2019. However, this kind of consumer intimidation and stonewalling is indicative of the quality of customer service that weve received throughout our experience with our exotic predatory loan with Select Portfolio Servicing , Inc . 

Prior to our loan being sold by XXXX XXXX XXXX to Select Portfolio Servicing , Inc., our attorney had identified various violations of the Real Estate Standards and Procedures Act and the Truth in Lending Act was also violated when our XXXX XXXX XXXX XXXX XXXX contract loan was originated. We believe that the findings of our forensics audit could give us recourse up to and including the hypothetical invalidation of our loan. We believe that the findings of our forensics audit could give us recourse up to and including the hypothetical invalidation of our loan. In addition, on numerous occasions, we respectfully requested Select Portfolio Servicing , Inc. and the investor ( s ) : XXXX XXXX, XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX Trust 2007-3,  Mortgage Pass-Through Certificates, and Series 2007-3 provide us a copy of the investor 's Pooling and Servicing Agreement ; however, Select Portfolio Servicing Inc. refused to provide that requested documentation as well. 

Our questions and concerns are : Is Select Portfolio Servicing allowed to lawlessly make up rules as they go and make decisions based on whatever works to Select Portfolio Servicing , Inc.s advantage? Are there any laws, rules, or standards by which this unlawful mortgage broker is required to operate? Clearly we should have had all of those documents for review before Select Portfolio Servicing Inc. could legally be allowed to proceed with any adverse action regarding our property. 

We believe Select Portfolio Servicings primary goal set forth by XXXX XXXX XXXX was to foreclose on our home all along. Select Portfolio Servicing will not even allow us to Short Sale our home instead of foreclosure because theyre only looking forward to reaping the benefit of the home equity while also collecting the government insurance funds too. Select Portfolio Servicing, Inc. should not be allowed to deny our requests for mortgage assistance simply because of race and the color of our skin. My wife is also a XXXX XXXX survivor and I am a retired, XXXX veteran and I honorably served this great country for 22 years. 

Please do not allow these disingenuous predatory lenders to do what they have intended to do all along, and that is carry out XXXX XXXX XXXX dirty work by foreclosing on our home and getting away with taking advantage of us by reaping the benefit of seizing our home equity and collecting the government insurance. 


Very Respectfully, XXXX XXXX XXXX XXXX. 
XXXX VETERAN

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