Consumer complaint received 2020-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OK

Complaint narrative:
I've been working with my attorneys and my servicer SPS on reinstating my mortgage. SPS sent me a letter in XX/XX/2020 stating I have until XX/XX/2020 to reinstate my loan buy paying $ XXXX and that they replied to the complaint that I submitted here where they stated that phone call I had with XXXX on XX/XX/2020 did not violate any of their rules. The conversation I had with XXXX is where he suggested I pay $ 16k+ and he would try and reinstate the loan but couldn't make any promises. But he couldn't put that in writing. How is that not questionable? I make a large payment but that means nothing because he doesn't and/or can't put it in writing. Then I check my county 's website and there are documents filed by SPS ' attorney 's selling my home on XX/XX/2020. Their attorney also sent me a letter which I received XX/XX/2020 for a payoff quote, and the date to submit the payoff quote was XX/XX/2020! I had less than 24 hours to even send in a payment. Today, XX/XX/2020 I check the website again, and their attorney 's have filed paperwork again to submit a sale date! I have until XX/XX/2020 to reinstate according to SPS 's letter. I also received a phone call from SPS today, XX/XX/2020 asking me if I would like to reinstate, I told them I would and my attorney 's would contact them shortly. Nevermind that they called me while I am at work. Every time they do this, my credit gets dinged. I am trying to rebuild my credit so I can refinance. I would like to get away from this servicer. If you would read the numerous complaints and federal court cases, you will see their tactics. As I continue to state, their parent company, XXXX XXXX continues to get in lawsuits especially with the US government. I can't have people calling me several times a week every time their attorney 's set a sale date ( I question how they even received my phone number. I'm pretty sure their attorney has something to do with it ). They violate numerous consumer protection laws. And then they 'll drive by my house slowing down and taking pictures. They will always say they have a right to inspect my home, but based on the law, if they are in contact with me and know the home is occupied, they are not to inspect the home or charge for those. They have charged me {$75.00} for this inspection, and they always state it's for the noteholders interest. We have no clue who the noteholder is. We know that XXXX XXXX is the trustee. I've repeatedly asked for the policy that they refuse to submit. They simply say they have that right as the servicer. According to the law, they don't have that right. I am interested in reinstating my mortgage as I am a single mother of XXXX and don't want to be homeless. This company clearly has no intentions of helping anyone since this administration took office. They are dead set on taking my home and no way of helping me. If XXXX XXXX  is merely the trustee, then why is their name on every foreclosure? They aren't the trust or the note holder.

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