Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Select Portfolio Servicing, Inc. ( SPS ) and its handling of the mortgage loan secured by my home located at XXXX XXXX XXXX, XXXX, California XXXX. The property was awarded to me through my divorce. A Final Judgment of Dissolution was entered on XX/XX/XXXX. A XXXX Deed was executed and notarized on XX/XX/XXXX, and recorded on XX/XX/XXXX, transferring title to me. A Court Order Re Execution of Quitclaim Deed by Court Clerk was later entered on XX/XX/XXXX. Beginning on or about XX/XX/XXXX, I repeatedly contacted SPS seeking information, payment options, and assistance regarding the mortgage loan. Between XXXX and XX/XX/XXXX, I communicated with numerous SPS representatives and managers. I repeatedly explained that ownership of the property had been transferred to me through the divorce proceedings. On or about XX/XX/XXXX, I submitted documents to SPS, including divorce records, quitclaim deed information, identification documents, and other supporting materials. On XX/XX/XXXX, SPS representatives discussed assumption and Successor in Interest procedures and requested additional documentation, which I provided. A Notice of Default was recorded on XX/XX/XXXX. A Notice of Sale was recorded on XX/XX/XXXX. On XX/XX/XXXX, my former spouse filed XXXX XXXX bankruptcy protection. Despite my continued efforts to communicate with SPS and resolve the delinquency, I continued to experience difficulty obtaining clear information and a path toward preserving my home. SPS later approved XXXX trial payment plans. The first trial payment plan began on XX/XX/XXXX, and continued through XX/XX/XXXX. I made the required payments under that plan. SPS then approved a second trial payment plan beginning XX/XX/XXXX. I made the XX/XX/XXXX payment required under the second trial payment plan. In XX/XX/XXXX, I submitted the next required payment, but SPS refused to accept it. Despite my efforts to continue performing under the plan and resolve the default, foreclosure activity continued. Another Notice of Sale was recorded on XX/XX/XXXX. Throughout this process, I have lived on the property in the XXXX and rented the remaining portion of the residence. I have maintained the property, paid property taxes, and relied on rental income, retirement income, and part-time employment income to support a reasonable mortgage solution. I believe SPS failed to properly address my status as a Successor in Interest, failed to provide complete and accurate information regarding foreclosure activity and available loss mitigation options, failed to provide a clear explanation regarding the outcome of my trial payment plans, and refused to accept a required payment that I attempted to make under the second trial payment plan. I am requesting CFPB assistance in obtaining : Recognition of my rights as a Successor in Interest. A full review of all available loss mitigation options. Disclosure of foreclosure status, trustee information, reinstatement figures, and payoff figures. An explanation of why a permanent solution was not offered after my participation in trial payment plans. A fair opportunity to preserve my home and avoid foreclosure. I have spent years attempting to work cooperatively with SPS, provide requested documents, make payments, and preserve my home. I respectfully request CFPB assistance in obtaining a fair and thorough review of my case.

Company response to consumer: Closed with explanation