Consumer complaint received 2026-04-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Hello, This is a follow-up regarding previously closed case # XXXX regarding mod assumption issues post FEMA Forbearance with the servicer and negative credit reporting. This was corrected but now reporting negatively again and the company is stating they will not fix the credit reporting even though all of these issues are a result of their mishandling. I am filing this complaint because the mortgage servicer continues to mishandle my account and is now improperly reporting negative credit information, again impacting my ex-spouse, while I am in an active loan modification assumption process. For context, I was placed in a FEMA-related forbearance due to property damage and immediately transitioned into a loan modification assumption trial in XX/XX/XXXX ( XXXX XXXX ) . At that time, this matter was already reviewed and addressed through a prior CFPB complaint. Despite that resolution, the servicer has continued to make repeated and documented errors : The account was never reported late ( prior lates were removed during prior CFPB complaint ) until XX/XX/XXXX, when the servicer mishandled my trial plan and forced me to restart it. I was then required to enter another trial plan effective XX/XX/XXXX, again due to servicer errornot borrower noncompliance. This is now my fourth trial plan since XX/XX/XXXX, solely due to the servicers failure to properly process the loan modification assumption. I have remained compliant at all times and am about to make my fifth payment under the current trial plan, yet I am still waiting on final assumption documentation. Meanwhile, the servicer has begun reporting negative credit information during an active loss mitigation process that has been prolonged entirely due to their own errors. This conduct raises serious concerns, including : Inaccurate credit reporting during an active loss mitigation review Failure to properly administer a loan modification/assumption process Unfair and deceptive servicing practices, given the repeated resets of trial plans caused by the servicer I have contacted both the investor and the servicer : The investor confirmed that credit reporting is the servicers responsibility The servicer continues to claim the reporting is accurate, despite the clear history of servicing errors There is no justification for negative reporting under these circumstances. The delays, repeated trial plans, and resulting credit damage are entirely the result of the servicers actions. At this point, it appears the servicer is unreasonably prolonging the process while continuing to report derogatory information, causing ongoing harm to my ex-spouses credit. I am requesting the following : 1. Immediate correction and removal of all negative credit reporting related to this issue 2. Expedited completion of the loan modification assumption without further delay or unnecessary trial restarts 3. A full review of the servicers handling of this account for compliance with applicable servicing and credit reporting regulations If this matter is not promptly resolved, I am prepared to pursue additional regulatory and legal remedies. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation