Consumer complaint received 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Servicer : Select Portfolio Servicing, XXXX ( SPS ) Borrowers : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Unit XXXX, XXXX, TX XXXX Loan Number : XXXX SPS is servicing our mortgage and has committed multiple servicing errors under both Texas foreclosure law and federal Regulation X ( 12 C.F.R. 1024.35 & 1024.41 ). 

XXXX. SPS has failed to mail legally required notices. 

We have not received ANY mailed notices required by Texas XXXX XXXX or XXXX XXXX, including : Notice of Default / Opportunity to XXXX Notice XXXX XXXX Notice XXXX XXXX XXXX XXXX responses to our loss-mitigation requests Any written adverse-action notices Any written explanation of short-sale denial SPS posts documents only inside the XXXX XXXX XXXX. 
Portal posting does not satisfy : Texas XXXX XXXX XXXX ( b ), ( d ) ( mailing required ) Regulation X XXXX & XXXX ( mailed written notice required ) We have not received a single notice by XXXX Mail. 

XXXX. SPS refused to provide the identity of the loans owner/investor. 

We submitted a written request ( RFI ). 
SPS did not comply with XXXX C.F.R. XXXX & XXXX, which require the servicer to identify : the owner of the loan the investor the master servicer SPS has not disclosed this information. 

XXXX. SPS denied or ignored loss-mitigation without providing any written decision. 

We submitted a short-sale request and requested assistance. SPS : did not send any written response did not explain denial did not provide a decision letter did not provide appeal rights did not evaluate our request under required timelines This violates XXXX XXXX XXXX, which requires a written determination and appeal opportunity. 

XXXX. SPS is moving toward foreclosure without complying with Texas law or XXXX law. 

SPS appears to be advancing toward acceleration/foreclosure without properly mailed notices, which is : legally invalid under Texas XXXX XXXX XXXX XXXX and a servicing error under Regulation X We can not cure, respond, or appeal when SPS refuses XXXX send legally required written notices. 

XXXX. We are requesting CFPB intervention. 

We request that the CFPB require SPS to : Provide all required notices by XXXX Mail, including Notice XXXX XXXX, Acceleration, and any Sale Notice Provide written documentation of all notices SPS claims to have mailed ( dates, addresses, proof of mailing ) Identify the actual owner/investor of our loan Provide a full written evaluation of our short-sale/loss-mitigation request Explain in writing why SPS denied our loss-mitigation or short sale Pause XXXX foreclosure activity until they comply with Texas and XXXX XXXX Correct all servicing errors and provide written confirmation Requested Outcome We request lawful servicing, proper mailed notices, investor disclosure, a full loss-mitigation review, and written explanation of XXXX decisions. 

SPS should not be permitted to pursue foreclosure without first complying with state law and federal servicing requirements.

Company response to consumer: Closed with explanation