Consumer complaint received 2026-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
Dear Sir or Madam, I am writing to file a formal complaint regarding the conduct of Select Portfolio Servicing ( SPS ) and XXXXXXXX XXXX XXXX XXXX. 

On XX/XX/year>, I contacted Select Portfolio Servicing after receiving a letter stating that a repayment plan had been offered to me, that I had not accepted it, and that my home would therefore proceed to foreclosure. I explained to the representative that I had never received any such letter about a repayment plan. She informed me that she would send a message requesting that my relationship representative return my call. 

Later that day, my relationship representative, XXXX, called me back. After reviewing my account, she stated that a repayment letter had been mailed in late XXXX and that SPS had received confirmation from the postmaster/post office showing it had been delivered to my address. She then informed me that, because I had not acknowledged the plan, XXXXXXXX XXXX had moved forward with foreclosure. She further stated that the only circumstance under which they would consider reviewing a new repayment plan would be if I were unemployed. Feeling desperate, I asked if she would contact the investor ( XXXX XXXX ) to request reconsideration. She said she would submit the message. 

Confused and concerned about why I never received this repayment letter, I visited my local post office to inquire. They searched their system and informed me that they had no record of any such delivery. I was told that the only types of mail that include verifiable delivery confirmation to a company is a certified mail, priority mail, express mail, or any other service requiring a signaturehad not been used by Select Portfolio Servicing. This directly contradicts the information I was given by XXXX. It appears that the information she provided to me was inaccurate, leaving me without any clarity or resolution. 

On XX/XX/year>, I called SPS again to check the status of the request that XXXX claimed she had sent to XXXXXXXX XXXX  The representative who answered informed me that no such request had been sent on my behalf. This means I was misled a second time. During both the XX/XX/XXXX and XX/XX/XXXX calls, I attempted to make a payment, but was told the only acceptable payment would be {$26000.00}, unless I was unemployedat which point alternative assistance might be possible. 

On XX/XX/year>, I received yet another letter demanding payment of {$26000.00} or I would lose my home. I have lived in my home for XXXX years, and I am actively attempting to secure a repayment plan. The way Select Portfolio Servicingacting on behalf of XXXX XXXX handled my case, including providing false or inconsistent information, has denied me a fair opportunity to resolve this matter and save my home. 
Explaining this situation to my XXXX children has been extremely difficult. I am respectfully requesting your assistance to ensure I am given a fair chance to retain my home and to address the mishandling and misinformation I have received from Select Portfolio Servicing. 

Thank you very much for your time, attention, and assistance with this complaint. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation