Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
Consumer Complaint Against : Select Portfolio Servicing ( SPS ) Subject : Improper Forced-Placed Insurance I am filing a new complaint regarding forced-placed insurance charges on my loan with SPS. Although I previously submitted a complaint to the CFPB on this matter, that claim # XXXX, was closed. Since then, I have obtained substantial new official documentation proving SPS has been improperly charging me for forced-placed insurance on a structure that no longer exists. 

Background : The original house that secured this loan was demolished in XXXX due to severe deterioration. A family member subsequently installed a double-wide mobile home on the parcel, which is separately titled and not part of my loan collateral. Despite this, SPS has continued to place and charge for hazard insurance as if the original house were still standing. 

New Evidence Obtained : Because the CFPB portal has not allowed me to upload attachments in the past, I am quoting directly from the official records I have in hand and also sent all copies to SPS Certified Mail.

1. XXXX XXXX XXXX XXXX Department Letter ( XXXX ) : The original house on the property was demolished and is no longer present. A double-wide mobile home has been placed on the lot in its place. 
2. XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Based on our records the original house structure was removed, and the property owners let a family member install a double wide. The parcel number PIN has been changed to a leasehold to show the property owners are only responsible for the land. 
3. XXXX XXXX XXXX XXXX ( XXXX ) : Shows only land ownership in our names, with no dwelling listed. 
4. Inspection Reports ( XXXX ) : XXXX XXXX XXXX  Approved Electrical Final Approved Key Location Approved These reports confirm that the mobile home was newly installed and approved in XXXX, after the original house was demolished. 
5. Current Photos ( dated XX/XX/XXXXXXXX  ) : Clearly show only the double-wide mobile home present on the parcel, no house. 
6. Certified Mail Receipt : Proof that SPS received my original dispute letter dated XX/XX/XXXX, yet failed to correct their error. 

Issue : Despite overwhelming, official proof, SPS has failed to remove forced-placed insurance. This insurance is being applied to a non-existent dwelling, and the charges are improper and unlawful. 

Requested Resolution : 1. Immediate cancellation of all forced-placed insurance on my account.

2. Full refund of all forced-placed insurance charges previously assessed.

3. Written confirmation that no further forced-placed insurance will be placed on this account. 

I request that CFPB review this case in light of this new, verifiable evidence. Because the online system will not accept my attachments, I am happy to provide my full documentation packet directly to a caseworker via email or mail upon request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation