Mortgage -- Struggling to pay mortgage -- Complaint #18410481
Complaint Overview
Complaint ID: 18410481
Company: Select Portfolio Servicing, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-Issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
State: Texas
ZIP Code: 77040
Date Received: 2026-01-01T12:00:00-05:00
Date Sent to Company: 2026-01-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company Name : Select Portfolio Servicing , Inc. ( SPS ) Product : Mortgage Issue : Trouble during payment process / Struggling to pay mortgage ( Loss Mitigation ) Complaint Description : I am XXXX XXXX, and I am filing this complaint against Select Portfolio Servicing ( SPS ) regarding two properties : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Loan No. XXXX ) and XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX. XXXX ). I have been attempting to obtain mortgage assistance for both loans. However, SPS is systematically preventing my applications from being deemed " complete '' through a cycle of conflicting and contradictory instructions. The pattern of abuse is as follows : I am requested to provide specific documentation. I provide the documentation exactly as instructed by an SPS agent. A different agent then informs me the document is incorrect and gives new, contradictory guidance. When I follow the new guidance, the next agent reverts to the original requirement or identifies a new " error. '' This " run-around '' has led to repeated denials for incompleteness, forcing me to restart the application process while the foreclosure clock continues to tick. This is a clear violation of RESPA ( 12 CFR 1024.41 ), which requires servicers to exercise reasonable diligence in obtaining a complete application. By providing conflicting instructions, SPS is obstructing my right to a full evaluation for loss mitigation options. I have already sent a formal Notice of Error ( NOE ) to the company on XX/XX/year>. I am requesting that the CFPB intervene to ensure SPS : Ceases foreclosure activity immediately while this is investigated. Consolidates my files under a single point of contact who can provide consistent, lawful instructions. Reviews my applications for all available loss mitigation options as required by law.
Frequently Asked Questions
What is Complaint #18410481 about?
Complaint #18410481 was filed against Select Portfolio Servicing, INC. regarding Mortgage specifically about Struggling to pay mortgage. It was received by the CFPB on 2026-01-01T12:00:00-05:00.
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.