Consumer complaint received 2025-01-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
XX/XX/XXXX : moved into new XXXX residence During the mortgage process, we paid a 40 % + down payment to keep the mortgage payments reasonable. 
We work from home. 

My husband is a XXXX  and XXXX XXXX XXXX. 

XXXX struck in early XXXX and lasted most of XXXX. 

XX/XX/XXXX, we had snow for about XXXX week with sporadic power outages. 
During XXXX of these outages, my husband XXXX XXXX XXXX XXXX XXXX 

We were not able to handle any work because of these outages and my husband 's hospitalization. 

XX/XX/XXXX Notice of Foreclosure received, arrears {$4000.00}. 
We asked if we could pay this amount off with our current mortgage payments. 
Documents were requested by our mortgage servicer, SPS ( Select Portfolio Servicing ). 
We were given a fax number to send all requested docs. 
We received a contact name via email. We put this name on all faxes. 

We continued to pay our mortgage monthly. 

We received a call from SPS, asking for more documents faxed. This was not the name we were provided. 
Requested docs were faxed, with a Hardship explanation. 

XX/XX/XXXX a letter rom SPS was received, without any contact name. This letter stated " we withdrew our XX/XX/XXXX request for a loan modification. '' This was and is FALSE. 
We sent SPS a letter, in addition to a phone call ( voice mail message ) that this is FALSE. 
We asked how they came to this conclusion. We did not receive an explanation. 
Since there wasn't any name on these letters, we didn't know who knew our file well. 

XX/XX/XXXX Notice of Default received from SPS. 
Arrears are {$5200.00} with fees. 
No contact name with this notice. 

We called SPS again to ask what about adding an additional amount to each month mortgage payment. 
SPS asked us to fax documents. 
This was done. 

XX/XX/XXXX someone from SPS called to ask if we faxed the requested documents. We let this person know these were faxed. 
It seemed like who called us wasn't aware of our file status. 

We waited. 

XX/XX/XXXX, XXXX A letter from SPS XXXX no contact name, dated XX/XX/XXXX is received stating we have the XXXX XXXX. 

A XXXX SPS letter is received, dated XX/XX/XXXX, without any mention of a XXXX XXXX. 
A XXXX SPS letter received without any info. 

XX/XX/XXXX we had to file a homeowner claim for water damage, We notified SPS. 

XX/XX/XXXX Notice of Foreclosure. Arrears {$5600.00}. 

XX/XX/XXXX, we received a call from SPS to say our mortgage payments would not be accepted because we were in Foreclosure. We were not aware of an Default other than from XXXX XXXX. We continued making mortgage payments. 

In XXXX, we were victims of ID XXXX, with letters received. We alerted our bank. 
We explained this to SPS. 

Our arrears built up of XXXX XXXX because of not accepting mortgage payments. Now an accelerated clause has been filed with the Foreclosure.

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