Mortgage -- Trouble during payment process -- Complaint #18572143
Consumer alleges fraud and wrongful foreclosure after expired eviction order.
Complaint Overview
Complaint ID: 18572143
Company: Select Portfolio Servicing, INC.
Product: Mortgage
Sub-Product: Conventional home mortgage
Issue: Trouble during payment process
Sub-Issue: Loan sold or transferred to another company
State: Illinois
ZIP Code: 60068
Date Received: 2025-09-30T12:00:00-05:00
Date Sent to Company: 2026-01-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Risk Assessment
Risk Level: high
The allegations of fraud, wrongful foreclosure, and the bank's actions after an expired eviction order present a significant legal and reputational risk.
Consumer Sentiment: negative
Topics: Wrongful foreclosure, Fraud, Eviction, Loan servicing
AI Analysis
CFPB complaint 18572143 was filed against SELECT PORTFOLIO SERVICING, INC. regarding Mortgage (Conventional home mortgage), specifically about "Trouble during payment process". A consumer is alleging wrongful foreclosure and fraud against U.S. Bank, N.A. after an eviction order expired and the bank initiated another foreclosure while attempting to sell the property to an unregistered company. The complaint was received on September 30, 2025 from Illinois. The company responded with "Closed with explanation".
Consumer Narrative
Eviction was ordered XX/XX/year>. Eviction order could not be legally enforced even after two extensions. Enforcement period has expired. Currently a wrongful foreclosure lawsuit is pending against U.S. Bank, N.A. There are seven counts of fraud against foreclosure attorneys which they have not denied in State and Federal courts. U.S. Bank, N.A. having not being able to enforce an expired eviction order is now trying to sell the property to an unregistered company and initiated another foreclosure. The filed documents are phony. Fraud on several counts just like the original foreclosure,
What You Should Do -- Consumer Action Plan
Consumers facing foreclosure or eviction should seek legal counsel immediately and document all communications and actions taken by the lender.
Legal Context & Consumer Protection Laws
This case involves potential violations of foreclosure laws, consumer protection statutes, and possibly fraud statutes.
Regulatory Insight
This situation highlights the importance of proper legal procedure in foreclosure and eviction processes and the potential consequences of procedural errors.
Resolution Likelihood
likely
State-Specific Consumer Protections
The consumer is located in Illinois, and state-specific foreclosure and eviction laws will apply.
Industry Comparison
This is a serious allegation that, if true, would indicate severe misconduct by the lender and its legal representatives, far beyond typical servicing errors.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18572143 about?
CFPB complaint 18572143 involves Mortgage (Conventional home mortgage). The consumer reported an issue with "Trouble during payment process", specifically "Loan sold or transferred to another company". This complaint was filed against SELECT PORTFOLIO SERVICING, INC. on September 30, 2025.
Which company is complaint 18572143 filed against?
Complaint 18572143 was filed against SELECT PORTFOLIO SERVICING, INC.. You can view all complaints against this company on their profile page at /company/select-portfolio-servicing-inc.
What was the company's response to complaint 18572143?
SELECT PORTFOLIO SERVICING, INC. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 18572143 filed?
Complaint 18572143 was received by the CFPB on September 30, 2025. It was sent to SELECT PORTFOLIO SERVICING, INC. on January 8, 2026.
What state was complaint 18572143 filed from?
Complaint 18572143 was filed from Illinois. You can view all complaints from this state at /state/IL.
Was the consumer satisfied with the resolution of complaint 18572143?
Dispute information is not available for complaint 18572143.
What product category is complaint 18572143 about?
Complaint 18572143 is categorized under "Mortgage", specifically "Conventional home mortgage". This is one of the product categories tracked by the CFPB.
How was complaint 18572143 submitted?
Complaint 18572143 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18572143?
This case involves potential violations of foreclosure laws, consumer protection statutes, and possibly fraud statutes. This relates to a Mortgage complaint against SELECT PORTFOLIO SERVICING, INC. involving "Trouble during payment process".
How likely is complaint 18572143 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18572143?
This complaint is rated as high risk. The allegations of fraud, wrongful foreclosure, and the bank's actions after an expired eviction order present a significant legal and reputational risk.
What regulatory actions apply to complaint 18572143?
This situation highlights the importance of proper legal procedure in foreclosure and eviction processes and the potential consequences of procedural errors. The CFPB tracks complaints like this one to identify patterns of misconduct across the Mortgage industry.
What should the consumer do about complaint 18572143?
Consumers facing foreclosure or eviction should seek legal counsel immediately and document all communications and actions taken by the lender.
Are there state-specific protections for complaint 18572143?
The consumer is located in Illinois, and state-specific foreclosure and eviction laws will apply. This complaint was filed from Illinois.
How does complaint 18572143 compare to industry norms?
This is a serious allegation that, if true, would indicate severe misconduct by the lender and its legal representatives, far beyond typical servicing errors.
What specific legal basis is the consumer using for the wrongful foreclosure lawsuit?
The narrative mentions seven counts of fraud against foreclosure attorneys, suggesting the wrongful foreclosure claim may be tied to these fraudulent actions or other procedural irregularities in the foreclosure process.
What is the significance of the property being sold to an 'unregistered company'?
Selling to an unregistered company could indicate an attempt to circumvent legal requirements or transfer the property in a manner that is not transparent or legally sound, potentially adding to the fraud allegations.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.