Mortgage -- Trouble during payment process -- Complaint #18112354
Complaint Overview
Complaint ID: 18112354
Company: Select Portfolio Servicing, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Escrow, taxes, or insurance
State: Texas
ZIP Code: XXXXX
Date Received: 2025-12-03T12:00:00-05:00
Date Sent to Company: 2025-12-03T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am submitting this complaint regarding Select Portfolio Servicing ( SPS ) for failing to apply my 100 % XXXX Veteran Property Tax Exemption for my home located in XXXX XXXX, Texas. I am a XXXX veteran rated 100 %, which qualifies me for full property tax exemption under Texas law. I provided SPS with my official property tax exemption documentation in XX/XX/year>. Since then, I have contacted SPS on five separate occasions to confirm processing and application of my exemption. Despite repeated communication, SPS has failed to apply the exemption to my escrow account, and my monthly mortgage payments continue to reflect property taxes that I should not be charged. This has caused financial strain and unnecessary stress, especially as a XXXX veteran who relies on a fixed income. My concerns include : SPS has not applied a legally valid exemption that I provided months ago. My monthly payments continue to include incorrect property tax charges. SPS has provided no explanation, resolution, or timeline, despite multiple follow-ups. I feel this reflects negligence toward XXXX veterans and disregard for my financial wellbeing. Requested Resolution : 1. Immediate application of my 100 % XXXX Veteran Property Tax Exemption to my account. 2. A corrected calculation of my escrow and mortgage payment reflecting the exemption. 3. A full refund or credit of any overcharges resulting from SPS 's failure to process the exemption. 4. Written confirmation that the exemption has been permanently applied. I am providing all supporting documents, including my exemption letter from XXXX XXXX, prior communication records, and any escrow statements showing incorrect charges. Thank you for your attention to this matter. I respectfully request prompt action to ensure compliance with Texas law and correct handling of my mortgage account.
Frequently Asked Questions
What is Complaint #18112354 about?
Complaint #18112354 was filed against Select Portfolio Servicing, INC. regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2025-12-03T12:00:00-05:00.
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.