Consumer complaint received 2026-03-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XX/XX/year> Subject : Complaint Against Select Portfolio Servicing , Inc. Failure to Recognize Successor in Interest, Provide Required Information, and Improper Denials Dear Consumer Financial Protection Bureau XXXX I am submitting this complaint against Select Portfolio Servicing , Inc. XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, UT XXXX, for ongoing failures to comply with federal mortgage servicing requirements, including failure to properly evaluate documentation, failure to respond to written requests, and refusal to recognize my rights as a Successor in Interest. Summary of Issue For over two and a half years, I have made repeated attempts to resolve issues related to my mortgage account. The most recent attempt with SPS submitting was on XXXX, 2026. Despite submitting all requested documentation multiple times, the company continues to respond with vague statements of insufficient documentation, without providing any explanation or identifying what additional information is required. Failure to Recognize Successor in Interest The company requested documentation to establish me as a Successor in Interest. I submitted all requested documents, including : Death certificate of my father ( provided multiple copies and original ) Will Deed Property tax records Despite full compliance, I received a denial stating insufficient documentation with no explanation. This has prevented me from being properly recognized and from accessing or managing the account. Additionally : * The property is listed in my name at the county level * The company continues to refuse to communicate with me * An unauthorized party ( my fathers ex-wife ), who was not awarded property in the divorce decree and previously executed a quitclaim deed, has been allowed to interfere with account access and remove my authorization. * I have repeatedly requested that all correspondence and documentation be sent to the address on file ; however, the company continues to send documents to my fathers ex-wife. This has placed me at a significant disadvantage, as I am not receiving important communications and therefore remain unaware of critical updates regarding the account. When I inquire about documents I have previously submitted, I receive little to no assistance. Rather than properly reviewing and approving my status as a Successor in Interest, SPS has instead characterized this matter as a family dispute, thereby avoiding its responsibility to address the issue appropriately. Failure to Properly Evaluate Hardship and Assistance Requests I submitted a complete hardship application and supporting documentation, as well as a rental assistance application including approximately 28 required documents. Both were denied with the same vague statement : insufficient documentation. At no time did the company : Provide a list of missing documents Offer an opportunity to correct deficiencies Explain the basis of denial This lack of transparency and due process is unacceptable. Failure to Respond to Written Requests ( Potential RESPA Violation ) I sent a formal demand letter via certified mail, requesting : A breakdown of the mortgage account Clarification of my Successor in Interest status Providing information regarding account, received letter they are protecting my fathers ex-wife and can not provide information to me. The certified mail receipt confirms delivery ( signature card returned ). However, the company has failed to respond or to return signature card. This appears to be a violation of federal servicing requirements under RESPA, which require timely responses to successor in interest and written requests. Unprofessional Conduct and Communication Issues When attempting to resolve these matters by phone : Representatives refused to provide assistance or provide clarity to my questions. I was advised by XXXX to submit my fathers divorce decree to demonstrate that his ex-wife had no authority over the property, and that I would be recognized as an authorized individual to discuss the account. I complied and submitted the requested document ; however, I subsequently received a response stating that the documentation was insufficient. Once again, no explanation was provided, nor was I given an opportunity to submit additional or clarifying documentation. Staff appear inadequately trained and unable to provide accurate information Requested Resolution

Company response to consumer: Closed with explanation