Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
RE-FILED FORMAL COMPLAINT : SELECT PORTFOLIO SERVICING ( SPS ) Case Reference ( Original ) : XXXX Complainant : XXXX XXXX XXXX XXXX XX/XX/XXXX PRELIMINARY STATEMENT : BAD FAITH RESPONSE BY SERVICER This is a re-filing and escalation of a previous complaint. On XX/XX/XXXX, Select Portfolio Servicing ( SPS ) issued a response that was factually false and demonstrably negligent. SPS claimed " no merit '' to the allegations of unlawful entry. However, physical evidenceincluding a letter left inside my residence by an SPS agentproves that a trespass and unauthorized entry occurred. 

STATEMENT OF FACTS & EVIDENCE OF PHYSICAL BREACH On XX/XX/XXXX, at approximately XXXX PM EST, an agent acting for SPS bypassed five ( 5 ) " No Trespassing '' signs, opened the front door of my private residence without consent, and entered the home while a minor was home alone. 

The " SPS XXXX XXXX '' Evidence : Physical Contradiction : SPS claims in their response that they " did not enter the property '' and " did not complete any door-knock inspections ''. 

The Physical Letter : I possess the physical letter that was left on the floor inside my home by the agent on XX/XX/XXXX. It is physically impossible for this letter to be inside my home if the SPS agent did not enter. 

Law Enforcement Record : A sheriff 's report was filed with the XXXX XXXX XXXX XXXX XXXX ( Case Number : XXXX ) immediately following the incident. 

LEGAL VIOLATIONS FDCPA 1692d ( Harassment and Abuse ) : The aggressive banging and unauthorized entry into a home where a minor was alone constitutes abusive debt collection. 


FDCPA 1692f ( Unfair/Unconscionable Means ) : Trespassing past visible signage to perform a " hand-delivery '' of a late notice is not an authorized servicing action under the Note or Mortgage. 


Breach of Security Instrument : Section 7 of the Mortgage requires the lender to give notice " at the time of or prior to '' an interior inspection. No such notice was given ; the entry was a surprise breach. 

Florida Statute 810.09 ( Trespass ) : Willful entry into a structure despite " No Trespassing '' notice. 

DEMAND FOR RELIEF AND COMPENSATION The previous response from SPS was an insult to the regulatory process. I demand the following : Identity of the Agent : I require the name of the third-party vendor or employee who performed the " delivery '' on XX/XX/XXXX, to facilitate the ongoing criminal investigation with the Sheriff 's Department . 

XXXX XXXX XXXX XXXX : I demand SPS produce the " field report '' or " delivery log '' for my account ( No. XXXX ) for the dates of XXXX XXXX XXXX 

Compensation for Tortious Conduct : I am seeking monetary compensation for the reckless endangerment of a minor, the severe emotional distress caused to my child ( who hid in a closet fearing abduction ), and the violation of my family 's physical security. 

Cease and Desist Physical Contact : I formally revoke any " implied consent '' for agents to step foot on my land. Any future presence will be met with immediate law enforcement intervention.

Company response to consumer: Closed with explanation