Consumer complaint received 2018-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MA

Complaint narrative:
I submitted new profit & Losses and loan mod documents again in XX/XX/XXXX though attorney. Told today by SPS that nothing was provided to them so they closed my account permanently for any review of a loan modification in the future. I complained to CFPB & was told by SPS that the foreclosure was postponed for me to submit new docs for review in XX/XX/XXXX which I did through my account online with SPS & I was emailed document received from SPS stating XX/XX/XXXX they had them.Today XX/XX/XXXX I was told by SPS that they never looked at any of the new loan modifications in XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX nor again in XXXX even though I was told that they were reviewing them. SPS also knew that by adding fees & interest to my loan totaling {$39000.00} that the home value would not appraise with the previous mortgage broker who was also trying to refinance the property with my husband on the loan this time. The Relationship manger I just spoke to the 2nd time today said they would rather foreclose on me and have me file bankruptcy to stop the sale date of XX/XX/XXXX at XXXX XXXX on the property a few days before XX/XX/XXXX. My income has increased and I'm willing to take on the debt of the home as it stands now SPS would end up taking us to evictions court and paying cash for keys. I filed BK in XX/XX/XXXX and the house was put in it because they refused to honor a proposed trail loan mod from XX/XX/XXXX that I couldn't pay until we got an IRS Levy released that was put on us mistakenly by a new IRS Agent who was not qualified for her job and ended up being fired for the hardship she caused my family by placing levies on our bank account, my two jobs, my husbands we had to go on food stamps until my parents loaned us money to get Attorney XXXX XXXX to step in and demand that the IRS release our funds back to us. If the FC goes through on XX/XX/XXXX it will not go on my credit but all the time and effort and our home will be gone unless I waste money to go file BK just to make SPS give me a loan mod I know they way they do them now that my income is enough to qualify. They have been saying since XX/XX/XXXX that I'm missing documents or that they never received them. I uploaded them to their website under my account and I can log on and see them still and I also have all the emails where they send you a verification that documents have been received. This company doesn't even want to try they tell CFPB one thing and actually do nothing. DO NOT REPLY - Select Portfolio Servicing, Inc. ( SPS ) XXXX has received your request via email. *** ( This email address is for the receipt of communications only. You will not receive a reply via email. All responses will be sent in writing by U.S. mail or a return phone call from SPS. If you have any questions or concerns please contact us at ( XXXX ) XXXX. Representatives are available XXXX-XXXX XXXX Monday through Thursday, XXXX-XXXX XXXX on Friday and XXXX-XXXX XXXX on Saturday, Mountain Time. You may also visit our website : www.spservicing.com. This message has been sent automatically. Please do not reply. )

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