Consumer complaint received 2025-03-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
On XX/XX/XXXX, my parents paid {$30000.00} cash for their XXXX. The sale was advertised in the newspaper, and they still have a copy of the article. ( They purchased title insurance with the purchase. 

On XX/XX/XXXX, my parents applied for a personal loan from XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX for {$25000.00} XXXX They also purchased XXXX XXXX coverage, which was {$140000.00}. They paid {$630.00} for XXXX months, which is included in their bill ; the total amount paid at the end of XXXX months for the title insurance policy was {$6200.00}. 

On XX/XX/XXXX, XXXX member XXXX XXXX received notice of Cure Default, with a total amount due of {$11000.00}. On XX/XX/XXXX, the full amount was the only amount accepted. 

In XX/XX/XXXX, my parents filed for XXXX XXXX XXXX 

On XX/XX/XXXX, XXXX was included as a secured loan payment, with interest now included for the XXXX. The amount was {$18000.00}. Because the loan was now in XXXX, the title insurance policy no longer covered the XXXX, so they got an outside insurance XXXX ( XXXX XXXX ). This also did not cover them for title Deed insurance, leaving their property exposed to title deed fraud. 

On XX/XX/XXXX, someone XXXX filed a claim amount of claim was {$140000.00} ; the form, Account # XXXX. XXXX XXXX XXXX XXXX XXXX as servicing agent for XXXXXXXX XXXX XXXX  XXXX. as trustee for XXXX Master Participation Trust, by XXXX XXXX XXXX XXXX XXXX as its attorney in fact. 

In XXXX, XXXX XXXX XXXX was involved in a XXXX XXXX XXXX for deceptive lending practices. As a result, it had to sell all its loans and mortgages. It was closed by the government. 

XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$140000.00} On XX/XX/XXXX, Beneficial XXXX XXXX XXXX XXXX remaining loan to XXXX XXXX XXXXXXXX XXXX XXXX which has a balance due of {$10000.00}. 

On XX/XX/XXXX, XXXX XXXX XXXX XXXX was paid in full {$18000.00}, according to the Office of the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX, a Notice of Servicing Transfer, supposedly from XXXX XXXX XXXX was transferred to Select Portfolio Servicing , Inc., to collect payment on a nonexistent mortgage loan. The XXXX XXXX XXXX was paid on XX/XX/XXXX. 

On XX/XX/XXXX, all Secured claims were paid in full. This includes XXXX XXXX XXXX  and Select Portfolio Serivicing Inc. The amount paid {$18000.00} XX/XX/XXXX, Select Portfolio Servicing Inc. contacted XXXX XXXX XXXX And the Law office regarding payment. 

On XX/XX/XXXX, the United States XXXX XXXX advised Select Portfolio Servicing Inc. that the final cure Payment of {$18000.00} had been paid. 

On XX/XX/XXXX, a modification loan off fraudulent documentation was requested using my XXXX XXXX veteran father 's social security number from the XXXX and management company. They received some of my parents ' personal documents by accident, copied them, and returned some once my mother, who had XXXX XXXX, recovered and realized they were in the boxes that were transferred. This happened in XXXX. ( The personal documents mixed in the XXXX boxes ) took months for them to get them back. The company that did the modification loan does not have a signature from my father, and the signature they sent when requested is forged. My dad had a XXXX in XXXX, which altered his signature ; they copied a signature from XXXX. DONE ONLINE Online, IDENTITY THEFT AND FRAUD. 

XX/XX/XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX XXXX XXXX Plaintiff vs Defendants unknown owners and non-record claimants defendants started a XXXX XXXX XXXX Because of the modification loan that had not been paid from XXXX XXXX of {$59000.00} for the modification loan never requested by the defendant, it was IDENTITY THEFT AND FRAUD! 

THE DEFENDANTS DID NOT KNOW NOR WAS HE EVER SERVED. REGARDING THE FORCLOSURE! 

On XX/XX/XXXX, the deed for our property was gifted to our daughter 's business. and Recorded. Quick Claim deed and transferred all assessments caught up changed in XXXX. 

In XX/XX/XXXX, we hired an attorney to assist with the embezzlement, which involved harassment from the owner of the management company, XXXX XXXX XXXX, and to represent us in court. We were under the impression that the case concerned past-due assessments. 

On XX/XX/XXXX, we were told that the assessment dues, totaling {$1000.00}, for damages to a crawl space had been paid in full. 

on XX/XX/XXXX. The attorney we hired went to court and spoke with a plaintiff 's attorney, who advised our attorney that this involved foreclosure. At this time, they changed and said it was a foreclosure ; the attorney advised the XXXX that the deed was changed and recorded on XX/XX/XXXX. However, our attorney did not return to tell us it was in for foreclosure, so we did not go to court with him. He returned on XX/XX/XXXX, and again, he did not tell my parents, who are XXXX and XXXX XXXX XXXX no longer owned the property. 

On XX/XX/XXXX, the Judge released the property to XXXX XXXX XXXX XXXX, which purchased it and sold it to XXXX XXXX and XXXX XXXX. 

On XX/XX/XXXX, the buyer posted our property for {$120000.00} cash property unseen on XXXX. 

On XX/XX/XXXX, I contacted the police and XXXX to have the property removed from XXXX. Advised it was XXXX. 

On XX/XX/XXXX, did a motion to have the XXXX XXXX reopen the case to advise it was XXXX. The judge required all involved to be served On XX/XX/XXXX, all involved were served. 

On XX/XX/XXXX, case number XXXX was motioned back in court, The XXXX advised my attorney to make a new motion, the motion was not the proper motion, and the Attorney was advised not to follow the order, and no motion was redone, XXXX closed the order, and would not hear again. The attorney did not respond in a timely manner for the past XXXX months. 

XX/XX/XXXX, XXXX XXXX and XXXX XXXX sued the recorded XX/XX/XXXX, new owner and old owner for procession of property XXXX Judge advised my attorney to go back to XXXX XXXX to get a stay of release and bring it back to the Judge on XX/XX/XXXX. To show that they are aware it is XXXX. 

XX/XX/XXXX, the XXXX gave a procession to XXXX XXXX because my attorney did not follow up with the chancery court, nor the question for the plaintiff 's lawyer because he did not respond within XXXX days. Eviction order in XXXX weeks. 

On XX/XX/XXXX, we fired our attorney and hired a XXXX Attorney, a handy XXXX law firm. We have made an appeal to the judge to stop the eviction, as I have a tenant. We also sent all documents to XXXX XXXX and his XXXX. 

I have sent the documents to the Attorney General and complained to XXXX.

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