Consumer complaint received 2026-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: NC

Complaint narrative:
My dad died on XXXX XXXX and then my mother killed herself on XXXX XXXX. I contacted the servicer immediately. From the start I was given access once I provided documents to prove That I am their XXXX and the home that is mortgaged is my primary residence. SPS servicing refused to accept any payments from the start. I opened both estates got a probate attorney and got papers of administration. The aervice wanted all sort of documents. As They had me apply for mortgage assistance, modification assumption etc. Even as I uploaded more and more of the documents that they kept adding and would say this one I didnt get loaded when I had uploaded the document many times. The whole time that they were offering me assistance and I applied to the assistant they were refusing to accept any payments from me XXXX  months trans went by after XXXX months went by I tried it I tried it again to make payments this lady on the phone from SPS told me no XXXX XXXX if you had the full XXXX to pay off the loan we wouldn't accept it. They refused all along my home has a XXXX sell date of XX/XX/XXXX. That's dual tracking and unethical debt collection. They refused to accept payments even after I received papers of administration. Dead set on stealing my XXXX 's life work. So distasteful and unethical stealing from a XXXX man and woman 's children. I told them about at. Garmin act. Federal law. My y probate attorney not the clerk of court ever bothered to tell me I need to file grievance with CFPB to ask for help. Only XXXX XXXX owed on the mortgage. XXXX months ago I had offers of $ XXXX and I kept them. That servicer is stealing my XXXX and XXXX XXXX life work and I just found the article that said I need to file grievance with CFPB. I know it's probably to late to save the house because I would have to sue them at state lvl. And don't even have an attorney for that. Only thing anyone says is file bankruptcy in ut no time for that either so I have to sell for pennies on the dollar because the servicer is forcing me out. St. Garmin 's act says they have to accept payments from me and allow me to assume my parents mortgage at the same interest rate as they had. It's says they have to grant forbearance. The entire time they were claiming to offer assistance they forced a default of mortgage not accepting any payments. Which triggered substitute trustee and foreclosure. Please help me to save my house if you can. And if you can't save the home I want compensation for my lose. No way I can get my homes true value. This quick for cash as is sell to not loose all. SPS is a bunch of criminals liars and shady XXXX sneak thieves slipping through the cracks of our judicial system because the clerks hands are tied and she couldn't advise me rather instruct in procedurural I lost both parents and a grand mother in between. XXXX close relatives in XXXX weeks and these theives were planing to steal my home before their ashes were even in a box. The probate attorney should have known what to do also but I am going to the bar on his XXXX and sueing him also but he needs his license to practice probate law taken from him. I retained him and XXXX months after that he decides to tell me he doesn't handle the real estate side of probate and just withdrew from both estates leaving me with a $ XXXX bill. I told him from day XXXX that the only asset.. Of value is the house and if I loose the house all is lost and no one gets paid. He should have disclosed that lie he passed off on me. I think it is highly unethical for him to withdraw after being the attorney for XXXX years of both estates. Please help me this isn't right it's illegal what the servicer ( SPS ) did and what the probate attorney did. Legal malpractice .. only XXXX days left to save my home of almost XXXX years that my myself and my y parents paid on for all these many years. XXXX I no out in ith roofs in it myself. Servicer dual tracking and ignoring completely the st. Garmin 's act. My XXXX XXXX XXXX XXXX was a Veteran of the XXXX war. Which is why I checked that section and noted his basic training base. He worked his entire life providing for my mother, brother and myself. XXXX retired from the city of XXXX and fell ill a very short few years after. He passed right here in the living room at home with my XXXX and myself at his side. XXXX XXXX stricken and scared to death how she would even be able to afford her bills and eat and terrified it this mortgage servicer trying to take the house from her. When her XXXX my XXXX died shortly after XXXX it was more than she could bare and she took her own life on XXXX XXXX, her birthday.

Company response to consumer: Closed with explanation