Mortgage -- Struggling to pay mortgage -- Complaint #4448969
Complaint Overview
Complaint ID: 4448969
Company: Select Portfolio Servicing, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: Pennsylvania
ZIP Code: 17055
Date Received: 2021-06-10T12:00:00-05:00
Date Sent to Company: 2021-06-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
The problem with in XXXX when SPS ( Select Portfolio Servicing ) issued a foreclosure notice. This resulted because I lost my job in XXXX and had to wait 9 months before being re-assigned by the company to a new location so there was a loss of income and the new position was for a lower salary and I could not keep up with the payments of my mortgage Eventually, a payment plan was worked out and I made some payments but it fell behind again in XXXX because I lost my job due to the fact I had to take care of my brother with a XXXX XXXX ( see attached letter Hardship circumstances XXXX XXXX. In XXXX I called SPS to request an Act 91 so I could go to a counseling agency to try to see if I could get a loan from XXXX ( XXXX XXXX XXXX XXXX XXXX ) but what should have take 2 to 3 day by fax per representative at SPS turned into two weeks to get the Act 91 ( I called multiple times to get the Act 91 faxed ) which would have made SPS foreclosed on my home so to avoid foreclosure before the foreclosure date I had to file for bankruptcy in XXXX. It was then I was given a plan to start making payment on XXXX XXXXbut the initial payment was too much and I struggled to make some payments and then COVID-19 hit and I indicated to SPS that I am going to need help ( see letter dated XX/XX/XXXX ). I was told my a rep that I was given 9 months and the new payment date on the plan would be the XXXX XXXX ( this has also been recorded ). I called back in XX/XX/XXXX and was told the plan was close out as I was to have been making payment during the 9 months although I was told by a rep that my first payment would be in XX/XX/XXXX. I did a temporary application on the phone with the rep and was sent, through my bankruptcy attorney, a fulll RMA ( remodification mortgage assistant ) package to be returned by XX/XX/XXXX. On XX/XX/XXXX I sent the application to them but on XX/XX/XXXX, without waiting for the information to be sent SPS sent a letter on XX/XX/XXXX to the bankruptcy attorneys saying they do not have any help for me and I had to appeal. I called SPS again and asked about it and the rep told me that it was indicated on my file that they are not looking at any new information but I should but all this information in writing to SPS with the documents I had send previously so that they can either re-instate the payment plan or issue a new one. During that time SPS asked their attorney to seek motion of relief in the courts ( court hearing was set for XX/XX/XXXX XXXX so that they can foreclose on my home. My bankruptcy attorney informed me that she would seek an extension so I had to wait for the extension date before I could resend the full application to SPS as I did not know if an extension would be granted. An extension was granted for 30 days now set for XX/XX/XXXX. I gather all the documents and wrote a letter detailing all the inconsistences and errors and emailed it to SPS on XXXX XXXX and they received it on XX/XX/XXXX but in the interim again SPS made a decision on XX/XX/XXXX indicating that there was no further help they could give without taking into consideration the new information sent to them pointing out the errors and send a letter to my attorneys on XX/XX/XXXX regarding this. I received the letter from my attorneys on XX/XX/XXXX via mail and I again sent information to SPS asking them to re-evaluate my situation. SPS states in its correspondence that it has a policy of nondiscrimination in ALL its mortgage decision but at the same time SPS is discriminating against me and not following it own rules and procedures. I am URGENTLY appealing to CFPB to look into my case for me so I can get a fair and reasonable decision. I have attached all documentation that I have previously sent to SPS for you to look at and use.
Frequently Asked Questions
What is Complaint #4448969 about?
Complaint #4448969 was filed against Select Portfolio Servicing, INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2021-06-10T12:00:00-05:00.
How did Select Portfolio Servicing, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Select Portfolio Servicing, INC.?
Yes, visit the Select Portfolio Servicing, INC. company profile at readthecomplaint.com/company/select-portfolio-servicing-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.