Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear SPS Team, Thank you for your response dated [ insert date of response ] regarding my complaint and ongoing loss mitigation application. However, your response fails to address the core concerns I raised namely, the continued double tracking and the deliberate, harmful delay tactics that have defined your handling of my loan over the past year. 

XXXX. Double Tracking Violation of RESPA You acknowledged receiving a complete application on XX/XX/year>. Yet this fails to address the critical fact that : A Notice of Default ( NOD ) was filed on XX/XX/year>, during a period where I was actively engaged in loss mitigation with your team. 

This isnt the first time I have submitted multiple applications, some of which were marked complete, but none resulted in meaningful review. 

Your own internal practices appear designed to slow-walk loss mitigation efforts while advancing foreclosure, a textbook case of double tracking in violation of Regulation X ( 12 CFR 1024.41 ). 

XXXX. Loss Mitigation Death Loop A Pattern of Delay and Bad Faith Over the past year, I have made every good-faith effort to resolve this, but SPS has created a never-ending loop of : Repeated document requests for materials already submitted. 

Marking files complete then expired due to SPSs own delays and hold periods. 

Restarting the review process multiple times effectively resetting the clock. 

Each time I call the assigned relationship manager, I speak to a different person. This further shows that SPS has no intention of providing the continuity or support your letters claim exist. 

This has been emotionally and financially devastating. Ive complied with all SPS requests, only to be caught in a rigged system designed to move the foreclosure process forward while denying me true assistance. 

XXXX. Failure to Address These Violations Your letter claims SPS has complied with applicable laws. That is flatly incorrect. You failed to address : Why the NOD was filed during a mitigation review window. 

Why previously complete files were reset with no clear cause. 

Why Ive been unable to reach a consistent point of contact for my case. 

Formal Requests I am requesting the following immediately : A written explanation of how SPS justifies initiating foreclosure while mitigation was ongoing. 

Confirmation that no foreclosure sale will be scheduled until : My current application is fully reviewed. 

SPS corrects its past procedural violations. 

A clear and actionable offer is presented. 

A complete application log history showing all submissions, completeness determinations, and any changes in status since the beginning of this process. 

If SPS continues with foreclosure without correcting these issues, I will escalate this to : The Consumer Financial Protection Bureau ( CFPB ), The California Department of Financial Protection and Innovation ( DFPI ), And my foreclosure defense attorney, who is now reviewing possible litigation for RESPA violations and injunctive relief. 

You have an opportunity to correct course and engage in meaningful resolution. I urge you to take it. 

Sincerely

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