Consumer complaint received 2026-02-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
It is my allegation that I have been victimized by XXXX XXXX and XXXX as well as XXXX, XXXX ( XXXX XXXX XXXX now d/b/a XXXX ) and SPS by their creating false documents that have me paying money on a 'debt ' that possibly was discharged in XXXX. The original crime that made me a victim of fraud that affected my credit, started in XXXX when XXXX XXXX and XXXX ( XXXX ) created fake documents and stated they loaned me XXXX on XX/XX/XXXX. For the last thirteen-fourteen years, the three companies soon to be four listed above has requested/enforced repayment on a debt, that has not been proven to exist. Most recently, SPS violated several FDCPA rules during the pre-foreclosure & post final judgement process. SPS filed a foreclosure complaint in XX/XX/XXXX, without properly notifying the attorney or HUD counselor of it while they were counseling me in seeking a modification. SPS was aware of my team but violated the laws by claiming to have communicated their intentions and served the foreclosure directly to my attention, which was untrue. According to FDCPA, SPS violated my rights when they failed to serve the attorney, that they were made aware was assisting me from XX/XX/XXXX-XX/XX/XXXX. SPS violated RESPA several times. They failed to provide paperwork as they documented. They submitted manufactured forms after I provided my opposition. The paperwork was falsified to fit their narrative and cover up their illegal actions. Dates on paperwork was changed and despite my evidence documenting differently, the court ignored it all and allowed SPS to proceed in XX/XX/XXXX. In researching the case of XXXX, XXXX and XXXX, whose XXXX and five-six members of his team including bank employees was sentenced in late XXXX, to federal prison. XXXX XXXX was sentenced to XXXX years for mortgage, bank and wire fraud. Unbeknownst to me these court hearings were occurring because from XX/XX/XXXX-XX/XX/XXXX, I continued to pay XXXX despite their bankruptcy and suspended operations in XX/XX/XXXX. Each time a document was requested SPS provided the forms with the XXXX number or MIN and XXXX XXXX acct number were redacted. After SPS advised XXXX assigned the mortgage to XXXX, and was owned by XXXX XXXX, the necessary numbers were located. According to XXXX, my account was purged and deactivated on XX/XX/XXXX. Despite this occurrence, XXXX managed to provide paperwork to offer a modification six months later on XX/XX/XXXX. Another type of fraud was created in XX/XX/XXXX, but not aware until XX/XX/XXXX. XXXX made an agreement with the trial period in XXXX. The way XXXX explained it to me was after three years of satisfactory standing with all mortgage payments made on time, the XXXX would be discharged. If I failed to maintain or sold the house before that time, then I would be responsible to repay it upfront. In XX/XX/XXXX, XXXX presented a modification that still documented I owed the XXXX. There was an opposition but because of the 'pending foreclosure ' and pressure to not lose my home, I signed the modification but also added * all rights reserved *. After the modification, I continued requesting paperwork to prove this was a valid debt and they had the standing to enforce. In XXXX, I was switched to SPS with an inaccurate balance. I filed a complaint in XXXX with CFPB against SPS ( XXXX ). SPS offered mediation because it could not be proven, SPS followed policy. There were no proof they made attempts to resolve the matter prior to filing for foreclosure. In XX/XX/XXXX, SPS tried again to create a scenario to cause a reason to foreclose. SPS returned a payment, refused four repayment plans, then filed a foreclosure as I awaited on their decision to a modification request with a fifth repayment plan that was rejected in XX/XX/XXXX. In XX/XX/XXXX, SPS refused a lump sum payment to address the outstanding balance from XXXX XXXX. They refused stating it was not a full payment. This is when I learned SPS changed my mortgage payment from XXXX without my knowledge six months prior. There is a reason the court neglected to intervene and uphold laws. My tgeory it is retaliation due to a lawsuit filed against the state of NJ. It's documented but the court denies any connection to their lack of assistance. Complaints have been filed with XXXX and the AG 's office. The matter was quickly covered up and dismissed. Then two days later, XXXX court disregarded my evidence and judicial notices to rule, I lose my home so 'SPS can recoup the money I owed '. In a recorded call on XX/XX/XXXX, SPS advised XXXX XXXX was the owner/investor of my loan. However, according to the XXXX XXXX website, my name, address nor account number came up in any record. On or around XX/XX/XXXX, SPS sent paperwork stating the account was sold to another investor on XX/XX/XXXX, but SPS would remain the servicer. Proof of the sale/transfer was requested with not just an assignment but the XXXX County record summary sheet. On XX/XX/XXXX, but dated XX/XX/XXXX, postmarked XX/XX/XXXX, SPS finally mailed the QWR that had been requested four previous times ( XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX ). Inside of the packet was a Borrowers Application including an offer to help with retention or XXXX towards relocation if I did a short sale. On XX/XX/XXXX, SPS and XXXX XXXX sent correspondence. SPS advised they transferred the loan to XXXX, so I owed them XXXX dollars. XXXX put a note on my door requesting contact. Later, a welcome packet came stating they acquired my loan for XXXX. On XX/XX/XXXX, after selling/transferring my account to XXXX and XXXXXX/XX/XXXX XXXX XX/XX/XXXX, and XX/XX/XXXX, SPS submitted the request for a final judgement to proceed with a foreclosure knowing they had no right to the property to request a foreclose. SPS was not ordered to provide discovery to dispute my proof, despite the laws not being followed, judicial notices with claims of fraud from the servicers to other homeowners and forgeries ignored. According to SPS, they had no rights to my account effective XX/XX/XXXX, to provide feedback or documents, but they applied for a final judgement the prior day. On XX/XX/XXXX, an informal brief was sent to the court clerk to advise of SPS violations with proof to support claims SPS can not prove they have rights. I advised the court, in early XXXX, SPS sold the loan to another investor, and they would remain the servicer. However, once proof of sale/purchase with county records was requested. They transferred the account and had zero rights when they requested to proceed with a foreclosure. Details regarding their actions of changing investors and servicers approximately three times between XX/XX/XXXX-XX/XX/XXXX, was provided to the court were ignored. On XX/XX/XXXX, despite SPS not establishing they have standing or the debt was valid, the court granted a foreclosure. On XX/XX/XXXX, XXXX advised the XXXX debt was purchased and they are willing to offer a modification to address the default. I voiced issues with the validity of the amount due. XXXX advised in the paperwork received from SPS, it shows a loan for XXXX was provided by XXXX, but it was not applied to the account. XXXX was unaware it was XXXX from the loan on XX/XX/XXXX. These types of actions are a direct reflection of SPS continuing to perpetuate the fraud in an effort to cause harm to me by stealing my home. In XXXX, SPS received XXXX in Covid relief State funding to address a default they created by refusing payments. SPS repeated the same actions in XXXX. SPS falsified a reason to foreclose, refused five repayment plans until the balance was high, then advised me to file bankruptcy or do a short sale then violated my rights during that process again. SPS transferred the loan on XX/XX/XXXX, without crediting the cancelled debt, nor did they report the XXXX loan was discharged to the court. The final orders reflect I still owe that money. SPS provided zero documentation during pre-foreclosure in XXXX, that could prove they had standing to foreclose or enforce this debt. SPS could not provide the requested documentation, so they transferred the inaccurate balance on XX/XX/XXXX, to XXXX, who is also XXXX, a previous servicer I already alleged was committing fraud. SPS failed to establish standing when they filed for the foreclosure in XXXX, and they did not have legal standing in XXXX, when they requested for final judgement on XX/XX/XXXX. SPS was not the owner/servicer of the 'debt ' when they submitted a second request for final judgement on XX/XX/XXXX nor XX/XX/XXXX, when the XXXX XXXX of XXXX County granted their order. In researching the case of XXXX, XXXX and XXXX, whose XX/XX/XXXXwas sentenced to federal prison for mortgage, bank and wire fraud. He was sentenced to XXXX years in late XXXX. According to XX/XX/XXXX, my account was purged and deactivated on XX/XX/XXXX. Despite this occurrence, XXXX managed to provide paperwork to offer a modification six months later on XX/XX/XXXX. It is likely, the debt was unable to be proven it existed in XXXX, so it was discharged and my account was declared inactive since XX/XX/XXXX. In XXXX, there should be no way, I am about to have to agree to repay XXXX, which includes XXXX that should be cancelled due to agreements in XXXX and XXXX, from this unable to be validated debt. XXXX claimed to have loaned me {$94.00}, XXXX in XXXX. The amount due can not be accurate, especially after paying on time from XXXX to a company that ceased operations in XXXX. I paid from XXXX to XXXX, XXXX paid from XXXX without issue but needed help in XXXX and has been in turmoil ever since. My account has been deactivated, but I have been duped into paying for a loan for over thirteen years, and I possibly according to the law did not have to do because legally this debt should be cancelled because it did not exist according to court documents.

Company response to consumer: Closed with explanation