Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
On XX/XX/2016 I submitted my XXXX complaint against Select Portfolio Servicing ( SPS ) and n - Due to fact that they need to respond within 15 days. The following sequences of events by SPS occurred from XX/XX/2016 to XX/XX/2016. I have also included documents that were sent by Select Portfolio reflecting this same time period. 
XX/XX/2016 I submitted my XXXX complaint re : The demand to produce legal verification of Assignment due to continuous incorrect information, ( deeds, notes, etc ) and inconsistent amounts, Wrongful foreclosures ( XXXX have been postponed or cancelled, Multiple unethical and fraudulent procedures, as well as elderly abuse and many more issues. Along with that complaint I sent numerous supporting documentation which was passed along to SPS as part of the CFPB protocol. 
XX/XX/2016 I checked foreclosure website provided to me and the sale was still set for XX/XX/2016 XX/XX/2016 I checked the website and the foreclosure had been postponed 30 days with the reason stated : Beneficiary request XX/XX/2016 Received XXXX separately mailed letters dated same date XX/XX/2016 from SPS 1 ) Acknowledging the receipt of the complaint and written response to be provided by XX/XX/2016 ( enclosed ) 2 ) Notice stating they are responding to our request on name of owner of note-this was not the question and we have recieved this same notice in the past but it has not been sent to CPFB XX/XX/2016 Received notice from XXXX ( Company hired by Select Portfolio and? lender to do foreclosures ) that foreclosure was postponed to XX/XX/2016- ( enclosed ) XX/XX/2016 I recieved a call from XXXX XXXX SPS ombudsman department at XXXX from phone number ( XXXX ) XXXX - she stated that she was calling to inform me that she was requesting a 60 day extension on the foreclosure due to the complexity of the complaint - I had to stop her and advise her I COULD NOT TALK AS I JUST LOST MY SON. Literally I had just found out my son was deceased, and I was XXXX-I asked her if I could call her back the next day which would be XX/XX/2016 she stated of course and was very kind and compassionate she gave me the # to call her at XXXX then press # XXXX she was there Mon-Fri XXXX. 
XX/XX/2016 I called the above ref # and hit # XXXX and was connected to XXXX in the Sps Obudsmen Department. I asked for XXXX XXXX he asked for my information brought up my account asked to record the conversation of which I agreed- he then said he would check for XXXX- I was placed on hold numerous times which was ok however he said XXXX was not available -I advised why I was calling her back and he then told me that XXXX did not call me that I called in-When I quickly corrected him and advised of my situation he stated his condolence 's and asked to put on hold to see what he could do- he came back and asked what I wanted- was it a modification -what did I plan on doing-Needless to say I was taken back as I have been in this nightmare loop for over 2 1/2 years with these people and have done everything they demanded and still they have attempted to foreclose 2 previous time and now a 3rd attempt -I explained all of this as well all the other horrible issues I have gone thru with them-he asked to put me on hold again -he came back to tell me modification would not work and no hamp -I quickly advised I have XXXX units and I do qualify and he said OH! 
He then put me on hold again and came back and said the only thing he could offer was : " Non home retention options, We can assist you to receive up to {$10000.00} in relocation assistance. '' I was so disgusted I advised no I would not agree - I then clarified XXXX XXXX postponing 60 days forclosure and hung up They know ofmy husbands death ( original hardship ) My sons death ( 2 DAYS AGO ) hand over home for " CASH FOR KEYS '' lose my husband then my son and my home- will they be using my heartache to buy time to answer CFPB? i do n't think they can answer

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