Consumer complaint received 2026-05-26 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: MI

Complaint narrative:
I am the successor in interest for the mortgage serviced by Select Portfolio Servicing. My deceased mother, XXXX XXXX XXXX, was the original borrower. Since my mothers death, I have had ongoing and repeated problems with Select Portfolio Servicing regarding my rights as successor in interest. The servicer has repeatedly provided incorrect information, delayed the process, lost my successor in interest paperwork multiple times, and continued to tell me that no assistance is available unless I assume the loan into my own name first. Everything stated to me by Select Portfolio Servicing has occurred on recorded phone lines. I have also sent written correspondence, including registered letters, explaining my successor in interest status and the applicable federal regulations, court authority, and state law. Despite that, the servicer continues to take the position that I can not obtain loss mitigation assistance, mortgage assistance, or a loan modification unless I first assume the mortgage. My mother passed away, and rather than properly process me as the successor in interest, Select Portfolio Servicing initially represented that there was nothing they could do to help me. They attempted to force the issue toward foreclosure because the original borrower was deceased. They provided that position to me in writing. I responded by providing documentation, legal authority, federal mortgage servicing regulations, and written notice explaining that a confirmed successor in interest is entitled to be treated as a borrower for mortgage servicing purposes and may be evaluated for loss mitigation without first being required to assume the loan. Select Portfolio Servicing has lost my successor in interest paperwork four separate times. Each time, I have been forced to resend or readdress documentation that should already have been in their possession. This has caused delay, confusion, and unnecessary harm while the mortgage remains at risk. Now that the mortgage is behind, Select Portfolio Servicing is again attempting to force me to assume the loan before allowing me to obtain any assistance. I have repeatedly explained in writing that this position is inconsistent with federal mortgage servicing rules governing successors in interest. I have sent registered letters identifying the regulations in detail and explaining that a servicer may not require a confirmed successor in interest to assume the mortgage before being treated as a borrower for mortgage servicing protections, including loss mitigation review. Despite this, I have had numerous phone calls where Select Portfolio Servicing representatives continue to deny that I can receive assistance unless the loan is assumed in my name. On a recorded call today, a representative essentially stated that they know the regulations and believe they are following them. That response is not sufficient. I am requesting review and intervention because Select Portfolio Servicing is improperly conditioning loss mitigation assistance on loan assumption, repeatedly mishandling successor in interest documentation, delaying my access to available mortgage assistance, and placing the property at unnecessary risk despite repeated written notice of my rights and status.

Company response to consumer: Closed with explanation