Consumer complaint received 2026-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am submitting this new complaint regarding Select Portfolio Servicing, Inc. ( SPS ) based on recent and ongoing servicing conduct.

After previously disputing payment handling, fees, and loan status, SPS has now refused to accept my regular monthly mortgage payments and has conditioned any halt of foreclosure activity on payment of a lump-sum cure amount that is largely comprised of disputed fees and corporate advances. 
Specifically, SPS returned my XXXX payment of {$590.00} and stated that it would not be applied because it was less than the amount necessary to halt foreclosure proceedings. SPS demanded a lump-sum payment of {$6800.00} to stop foreclosure activity. More than 60 % of this amount consists of corporate advances and fees, not missed monthly payments. 
I have made repeated good-faith attempts to make my regular monthly payments, which SPS has rejected. SPSs refusal to accept payments while simultaneously advancing foreclosure activity has created a servicer-driven default and has prevented me from performing under the loan. 
I dispute the inclusion of inspection fees, broker price opinions, foreclosure attorney fees, and interest on advances in the stated cure amount. These charges arose during periods of inconsistent servicing and rejected payments and materially inflated the amount SPS claims is required to stop foreclosure. 
I am requesting that the CFPB require SPS to : Accept regular monthly payments without conditioning acceptance on payment of disputed fees ; Review, justify, and remove improper corporate advances and foreclosure-related fees ; Recalculate any cure amount after removal of disputed charges ; and Cease foreclosure activity that is based primarily on servicer-created default and disputed fees. 
This complaint is based on new conduct occurring after prior disputes and is submitted to document continued servicing errors and consumer harm. 
Sincerely, Revised Fee-Removal Demand Letter This letter serves as a formal demand regarding the cure amount recently stated on my account. 
I dispute the corporate advances, inspection fees, XXXX XXXX Opinions ( BPOs ), foreclosure attorney fees, and related interest included in the demanded cure amount of {$6800.00}. These charges arose during a period of inconsistent servicing and payment rejection and materially inflated the amount SPS claims is required to halt foreclosure activity. 
Notably, after I declined a proposed loan modification extending the loan term to XXXX, SPS began rejecting my regular monthly payments and conditioned any halt of foreclosure activity on payment of a lump-sum amount largely comprised of disputed fees and advances. I did not refuse to pay under the existing loan terms ; rather, I declined to modify the contract. Regular monthly payments were nevertheless refused. 
The majority of the stated cure amount consists of corporate advances and foreclosure-related fees rather than missed principal and interest payments. These charges appear to have been generated by SPSs foreclosure posture and internal servicing decisions, not by borrower nonpayment or abandonment. 
Accordingly, I am demanding that SPS : Review and remove improper inspection fees, BPOs, foreclosure attorney fees, and related interest ; Provide written justification identifying the triggering event for each disputed chart and Recalculate the cure amount after removal of fees and advances that resulted from servicer-created default and inconsistent payment handling. 
This demand is made without waiver of any rights or disputes. I am requesting a written response. 


Supplement statement I am submitting this supplemental statement to my recent CFPB complaint regarding Select Portfolio Servicing, Inc. ( SPS ). 
I wish to clarify the timing of events relevant to my complaint. SPS offered a proposed loan modification extending the loan term to XXXX, which I declined. After declining this modification, SPS began rejecting my regular monthly mortgage payments and subsequently conditioned any halt of foreclosure activity on payment of a lump-sum cure amount largely comprised of disputed fees and corporate advances. 
I did not refuse to pay under the existing loan terms. I declined to modify the contract. Despite this, SPS refused to accept my monthly payments and escalated foreclosure activity while demanding payment of disputed charges. 
This sequence of events demonstrates inconsistent servicing conduct and supports my complaint that SPS created a servicer-driven default by rejecting payments and conditioning foreclosure relief on disputed fees. 

I am submitting this clarification to ensure the CFPB record accurately reflects the full context of SPSs actions.

Company response to consumer: Closed with explanation