Consumer complaint received 2023-06-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IA

Complaint narrative:
In XXXX my husband and I took out a heloc. We paid on it but a payment has not been made since XXXX. The original amount was XXXX but we only owed XXXX. My husband got sick and we fell behind. So in XXXX my husband declared bankruptcy. The heloc was originally with XXXX but then in XXXX of XXXX it was sold to XXXX XXXX XXXX. I don't know how it happened but the attorney represented us in the bankruptcy forgot to place XXXX as one of the creditors so I was told to make payments to them on my own. To be honest the bankruptcy payments were high enough that I was lucky to be able to make them. So in XXXX of XXXX my husband passed away and I still had three more years of payments. I did make them and in XX/XX/XXXX the debt was discharged through the courts. In XXXX of the following year I get a letter from XXXX telling me I owe them XXXX due to interest. I contacted an attorney and was told not to do anything. In XXXX my credit dropped like XXXX points but in XXXX it went back up and XXXX was removed from my Credit Report. XXXX who was the first lien holder granted a release in XX/XX/XXXX. So I'm not seeing any mortgages on my credit report and foolishly thought everything was okay. Actually XXXX wasn't even recorded as being on assignee until XX/XX/XXXX. It was always US Bank XXXX XXXX XXXX As Trustee For XXXX XXXX XXXX XXXX And then they decided to make XXXX part of this. So I hired an attorney and he wasn't very enthusiastic but I really didn't have the money for another one. In XXXX I obtained Financing from XXXX XXXX XXXX and they paid XXXX on the XXXX of XX/XX/XXXX. Here is that conversation, XXXX has joined the chat. 
[ XXXX ] XXXX : Hello XXXX XXXX, thank you for contacting us! How may I help you? 
[ XXXX ] XXXX XXXX : I have a home equity loan with you. How do I get the settlement letter that was paid to the prior lender [ XXXX ] XXXX : I'd be happy to look into that for you. 
[ XXXX ] XXXX XXXX : What do you need from me?. 
[ XXXX ] XXXX : Can you clarify what you are needing related to the home equity? 
[ XXXX ] XXXX XXXX : Yes, I need to know what wa paid to my prior lender who was XXXX. 
[ XXXX ] XXXX : I see! Thank you for clarifying. Give me just a few minutes to look into this for you. 
[ XXXX ] XXXX XXXX : Thank you [ XXXX ] XXXX : I'm happy to help! 
[ XXXX ] XXXX : I apologize for the delay! I am reaching out to a lender regarding the requested information on the loan. 
[ XXXX ] XXXX XXXX : Okay. Thank you. 
[ XXXX ] XXXX : Of course! I appreciate your patience. 
[ XXXX ] XXXX : It looks like the payoff sent to XXXX XXXX XXXX was for {$54000.00}. 
[ XXXX ] XXXX : Is there anything else that I can help you with at this time? 
[ XXXX ] XXXX XXXX : Thank you so much! Can you tell me when? 
[ XXXX ] XXXX : That payoff was sent on XX/XX/XXXX. 

Today I received a notice my house is being sold on XX/XX/XXXX. I don't understand if they were paid, how this could happen. I feel like these companies took the money and still want my home. I have been making payments to XXXX because I really feel they are the company that now owns my house. On my land records they are listed as the mortgage company. I will get whatever documents you need but can you please help me? I'm XXXX XXXX XXXX and work because I have to and thought to live out my life in the house where I have spent 36 years.

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