Consumer complaint received 2025-07-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Loan Number : XXXX Date : XX/XX/year> Subject : QUALIFIED WRITTEN REQUEST and Formal Complaint under RESPA Request to Cease Foreclosure and Provide Full Documentation Loan Number XXXX I am writing to formally submit this Qualified Written Request ( QWR ) and to lodge a formal complaint under the Real Estate Settlement Procedures Act ( RESPA ), specifically 12 U.S.C. 2605 ( e ), and its implementing regulations, including 12 CFR Part 1024 ( Regulation X ). This letter concerns the servicing of my mortgage loan and includes an urgent request for immediate action to address serious concerns regarding documentation, medical hardship, and ongoing foreclosure proceedings. 
1. Request for Account Documentation and Transaction History Since the servicing of my mortgage loan, Account Number XXXX, was transferred from XXXX to your company, I have not received any of my historical account statements or transaction records that were generated by XXXX or transferred to you. This lack of documentation has significantly hindered my ability to understand and verify my account status. 
I am hereby requesting : * All monthly mortgage statements and account activity records generated while my account, Loan Number XXXX, was serviced by XXXX. 
* All documents, notes, correspondence, and complete servicing history that were transferred from XXXX to your institution concerning XXXX XXXX XXXX, including any loss mitigation discussions, hardship correspondence, payment history, and escrow analyses. 
* Any and all internal documentation or analysis used by Select Portfolio Servicing, Inc. to assess my account status following the servicing transfer, including any internal communications, system notes, or underwriting decisions related to Loan Number XXXX. 
Furthermore, I am requesting that physical copies of all of the above documents be sent directly to my mailing address : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, in addition to any digital or online access you may offer.

2. Complaint Regarding Failure to Consider Health-Related Hardship I am also submitting a formal complaint regarding your institutions failure to adequately consider my serious medical conditionnamely, XXXX XXXX has a direct and profound impact on my financial capacity and ability to communicate or respond to rapid legal action. This progressive neurological condition significantly impairs my motor skills, cognitive function, and ability to manage complex financial documents or respond to time-sensitive legal proceedings. 
Despite my previous communication regarding this condition ( I have not been extended any of the following appropriate considerations : * Forbearance or temporary hardship options. 
* Compassionate servicing review tailored to long-term medical XXXX. 
* Any tailored mitigation options for individuals with verified long-term medical XXXX. 
This failure may represent a violation of fair servicing guidelines and a failure to uphold your obligations under RESPA, CFPB guidance ( including 12 CFR Part 1024, Subpart C, regarding servicing policies and procedures ), and potentially the Americans with Disabilities Act.

3. Request to Cease Foreclosure Proceedings Pending Full Review In accordance with RESPA and its implementing regulations ( 12 CFR Part 1024.41, concerning loss mitigation procedures and prohibitions on foreclosure ), I request that you : * Immediately cease and postpone any and all foreclosure activity related to Loan Number XXXX, including trustee sale actions, legal filings, public notices, or eviction notices, while this Qualified Written Request and hardship complaint is under active review. 
* Provide written confirmation that no foreclosure sale or further foreclosure-related action will occur while you investigate and respond to this request in full. 
I understand that under CFPB mortgage servicing rules, a mortgage servicer generally can not initiate a foreclosure action or move for a foreclosure judgment or order of sale until a borrower is more than 120 days delinquent. Furthermore, these rules address a servicer 's obligations when a borrower submits a complete loss mitigation application more than 37 days before a foreclosure sale. Proceeding with foreclosure while this dispute remains unresolved would violate the protections afforded to me under federal law. 
Summary of Requested Action : * Provide full and detailed physical copies of : * All prior monthly mortgage statements from XXXX for Loan Number XXXX. 
* All documents, data, and servicing notes received from XXXX concerning XXXX XXXX XXXX. 
* Any internal servicing records or decisions made by your company related to XXXX XXXX XXXX. 
* Investigate the servicing and foreclosure activity on my account in light of my XXXX diagnosis, and explain in detail why no hardship or loss mitigation options were proactively offered or discussed despite my communications. 
* Provide a written, comprehensive list of available loss mitigation, hardship, and medical accommodation options, with clear instructions on how to apply for each, specifically tailored to my situation. 
* Cease all foreclosure activity immediately, pending full resolution of this Qualified Written Request and complaint. 
Please acknowledge receipt of this request within 5 business days, and provide a full written response within 30 business days, as required by RESPA. 
Sincerely, XXXX 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