Consumer complaint received 2025-01-22 00:00:00
Product: Mortgage — Conventional home 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: FL

Complaint narrative:
Subject : Complaint Regarding Mortgage Servicer ( SPS ) Failure to Recognize Beneficiary and Provide Notice of Default Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) -- - Complaint Details : I am filing a complaint against SPS ( Specialized Loan Servicing, XXXX ) regarding their mishandling of my fathers mortgage and failure to provide adequate notice of default, as well as withholding information about available mortgage programs. Below is a detailed account of my situation. 


Contact Information : Property Address : XXXX XXXX XXXX XXXXXXXX FL XXXX Complaint Summary : XXXX. Death of Property Owner : My father, passed away on XX/XX/XXXX. 

I am a beneficiary of the property through probate, and an order transferring the homestead was issued by the court on XX/XX/XXXX. 

XXXX. Inadequate Notice of Default : Despite being named as a beneficiary in the probate case, I was never notified of the mortgage default on the property. 

SPS served me a summons for foreclosure but failed to notify me of the default prior to service. Immediately after service of the foreclosure complaint I promptly provided SPS the Order transferring interests in the property to me, my father 's death certificate and requested the opportunity to participate in mortgage relief programs. 


XXXX. Failure to Verify Death Certificate : I provided SPS with the death certificate and other relevant documents, including the probate order and homestead transfer. 

SPS claimed that the death certificate could not be verified and, as a result, refused to recognize me as a beneficiary and denied me access to mortgage relief programs. Death Certificates are public records and easily verifiable. Denying me access to available modification programs seems to be a deceptive practice on their part. Not only did the documents I provided substantiate my claims, SPS themselves new of my interests because they summons me as a beneficiary. Yet when it came time to establish my rights they arbitrarily denied them on what can only be reasonably viewed upon as business practices predicated on interior motives. 

XXXX. Foreclosure Process : SPS foreclosed on the property in XX/XX/XXXX, despite not properly notifying me of the default or giving me a chance to explore available programs or remedies. 

I have reached out to SPS multiple times to inquire about available mortgage assistance programs after hardships due to Hurricane Milton but have been told that I am not eligible because they can not verify my interests and rights due to issues with the death certificate. These deceptive practices are abhorrent and cause of financial and emotional stress. 

-- - What I am Seeking : I request an investigation into SPSs failure to provide proper notice of the default or subsequently recognize me as a rightful beneficiary of the property. 

I want a review of the denial of opportunity to explore available mortgage assistance programs, including any loan modification options, that SPS has denied me access to. Particularly in lieu of hardships after hurricane Ian and Milton. 

I ask that the CFPB review whether SPSs actions constitute a violation of consumer protection laws and if they have engaged in deceptive practices. There is no reasonable explanation for summoning me as a beneficiary than denying my rights to save my father 's house. The house has significant equity and I believe that equity has been targeted by abhorrent business practices taking advantage of not only the death of my father but hardships from natural disasters. 


-- - Supporting Documents if needed : Death Certificate Order of Homestead Transfer Emails/Correspondence with SPS Summons -- - I would greatly appreciate the CFPBs assistance in investigating this matter and ensuring that my rights as a beneficiary are respected. 

Thank you for your attention to this issue. I am available at your convenience. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation