Mortgage -- Struggling to pay mortgage -- Complaint #5203999
Complaint Overview
Complaint ID: 5203999
Company: Select Portfolio Servicing, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
State: California
ZIP Code: 92128
Date Received: 2022-02-09T12:00:00-05:00
Date Sent to Company: 2022-02-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I requested assistance from my lender and have been verbally advised that they are refusing to even acknowledge my documentation. They say I have no options. I do not have the covid assistance option even though my immediate family has passed and I am out of town as I write this up. Even though per the website, I qualify for the streamline, they stated they will NOT look at my 2 page applications that does not even require any documentation.. I am being denied any assistance based on the opinions of someone who is sitting at home collecting a paycheck. I have called numerous times and each time I was told " your home is selling and next time you call in just call the REO department. '' I was told " your home is selling stop calling us we are not going to help you. " I was told " XXXX XXXX XXXX ( the investor ) wants your home and they are not helping you. '' I was told " XXXX XXXX has not even looked at your paperwork, they do not help people like you. '' I can't believe that I call SPS and am treated this way. At this point I think I feel as if I am being discriminated against based on my race, ethnicity, language, and national origin. There is no valid reason why I should be denied any type of assistance. I did also advise SPS that I was approved for a new loan. I did request the payoff back in XXXX as I started the refi process, however it has since expired and I was told it was " too late we are taking your home ''. I should have been advise bank when I first started looking into the refinance, etc, that I could have applied for a loan modification to keep my home.. Civil Code section XXXX states-Guaranteed single point of contact : If you ask for a loan modification or other foreclosure-prevention option, your servicer must assign you a specific person or team who can walk you through application requirements and deadlines, knows the facts and status of your application, including missing documents needed to complete your application, and can get you a decision on your application. I was never advised of the streamline 2 page package. I found it on my own! I have called numerous time regarding attempts to retain my home. In CA, as long as my package was in 7 days before the sale date I should have been reviewed. Also, Please see attached loan approval that I finally received. Escrow is also open ( see attached ) My main goal was to try to keep the property, however, SPS flat out refused me every time Ive called. Who are these people to make such accusations or comments on any of those things. The blatant disregard, the rudeness, and the lack of compassion for my situation is horrid. Why would SPS/ XXXX not to want to be paid in full. The number of times that I have called in should extinguish any excuse for the type of behavior I had to endure. There is no tangible reason why I can't receive assistance. I have asked why I am being denied assistance and never once got a clear reason and was told nothing other than the insults regarding my situation by SPS employees. I have asked for a supervisor on numerous occasion and I was always told there were in a meeting or that the employee was unsupervised at the time. The way I have been treated is unacceptable.
Frequently Asked Questions
What is Complaint #5203999 about?
Complaint #5203999 was filed against Select Portfolio Servicing, INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2022-02-09T12:00:00-05:00.
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.