Consumer complaint received 2024-07-01 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Multiple complaints in connection with servicing and debt collection on mortgage account.

1. Denial for a work out option which entails staying in my home. Correspondence read I can request an appeal to my assistance review but fails to give specific reason on why modification was denied. It only reads ... according to the mortgage service agreement ... and there is nothing in the mortgage service agreement which set forth a reason for not modifying the loan.

2. Every single call to mortgage servicer was met with your account may be refer to an attorney for legal action. This threat has been recited to me ever since XXXX of XXXX when federal funds expired for assistance on the account. 
3. At the time home assistance funds ran out from the federal government in XXXX I asked for a deferral or a forbearance and I was told I was ineligible in spite of the fact the account was current ; except for negative escrow balance. Yet, The reason why they are telling me I am ineligible for a deferral or forbearance now is because the account is too far behind. It seems that they are coming up with reasons just to say no. 
4. When the federal government was assisting people during COVID the underwriter of this mortgage changed from a government backed federal loan to a seasoned trust which was specifically designed to subvert federal regulations for assisting homeowners who were in jeopardy of losing their homes.

5. This mortgage servicer specifically violated an order and stipulation from the Federal Trade Commission and where they were to list every single dollar owed on the account on statements. They failed to do this when I was getting HAF assistance and as a result {$4000.00} which would have been paid through federal assistance was not paid. This is a direct result of SPS not following federal guidelines. When confronted by this detail SPS claims that it is my responsibility that HAF were not received for the escrow shortage. They it is because I supplied the statement to HAF However, SPS provided the statements to me which lacked all the money due on the account as provided in the stipulation and agreement of XXXX with the federal government. 
XXXX. This servicer debt collector also calls quite often XXXX and XXXX times per day and has even called at XXXXXXXX XXXX. 
XXXX. Part of the reason I am in this predicament is because I have become XXXX since losing my job just prior to COVID. I am awaiting approval of XXXX benefits and have been in constant contact with the lender servicer to let them know the updates. 

This account would be in a better position if SPS had abided by the Stipulation entered into with the Federal Trade Commission. 

They have provided some information which was requested but not all. They refuse to take responsibility for monies not being paid to them to bring the account current as a direct result of them violating the Stipulation and Order entered into with the FTC in XXXX.

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