Consumer complaint received 2025-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I refute the information that is included in Select Portfolio Servicing 's XX/XX/XXXX letter to me and response to the CFPB. In reviewing the XX/XX/XXXX documents from Select Portfolio Servicing it contains a lot of untruths. I have talked to countless people with Select Portfolio Servicing since initially sending in my XXXX application and required documents and every phone call is recorded. Also that on XX/XX/XXXX, SPS made an exception to proceed with the documentation received and they were reviewing my account for all eligible loss mitigation options and the results will be provided under separate cover within 30  days of XX/XX/XXXX. There weren't any exceptions made by Select Portfolio Servicing as they had everything that they needed from me in the early part of XX/XX/XXXX. I sent in my XXXX  day P & L statements on XX/XX/XXXX for the months of XX/XX/XXXX to XX/XX/XXXX. When I initially sent in my P & L statements for both my Life Insurance Agent and Insurance Adjuster occupations I was told that the XXXX & XXXX statements for the dates of XX/XX/XXXX to XX/XX/XXXX was only for XXXX  days and not XXXX consecutive days. Please reference my rebuttal to the time line and information by Select Portfolio Servicing. 

XX/XX/XXXX. XXXX - Bank statements showed payroll deposits from XXXX XXXX XXXXXXXX in which SPS required the XXXX most recent pay stubs within 90 days showing gross pay. I provided the pay stubs for XXXX XXXX which was during the XXXX  day time frame. I also sent an email to SPS advising of XXXX other Insurance Adjuster deployments that I worked in XXXX. Those dates were XX/XX/XXXX to XX/XX/XXXX. XXXX and XX/XX/XXXX to XX/XX/XXXX. As well as XX/XX/XXXX to XX/XX/XXXX. 

XX/XX/XXXX - XXXX provided my P & L forms for the timeframe of XX/XX/XXXX to XX/XX/XXXX on XX/XX/XXXX. The P & L statements I uploaded were for both occupations and I indicated the same at the top of both P & L statements and there was nothing confusing about that as the employees of SPS seemed to be confused about. 

XX/XX/XXXX - My P & L statements certainly didn't lack income type as I wrote Life Insurance Agent on the appropriate line since I am an Independent Life Insurance Agent. I then uploaded an updated copy of my P & L that reflected my ownership as 100 %. As a life insurance agent I am paid commissions. In the Revenue/Income Type ( Business Income Only ) I listed the amounts of the commission checks that I received during the time period of XX/XX/XXXX to XX/XX/XXXX as requested. 

XX/XX/XXXX - A P & L received on XX/XX/XXXX had a blank expense column and SPS required an updated quarterly I have provided everything that was requested of me. The updated P % L statements dated XX/XX/XXXX didn't include business expenses because I didn't have any during XX/XX/XXXX to XX/XX/XXXX. I work from home. And I didn't include any personal expenses because SPS 's P & L form specifically says " Expenses - Business ONLY ) Exclude personal expenses ). The last time I checked he definition of exclude hasn't changed.

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