Consumer complaint received 2026-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I am filing a complaint against Select Portfolio Servicing ( SPS ) regarding serious mortgage servicing errors, estate access issues, and foreclosure activity on the property located at XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. I am the XXXX and estate representative for my deceased mothers estate, XXXX XXXX. My mother was placed on the title after the original borrowers ( her husband XXXX XXXX XXXX death, and I have provided Letters of XXXX and other required probate documents multiple times over approximately XXXX ( XXXX ) months. During this time, SPS has knowingly been communicating and working with me regarding probate documentation, account access, and available options ; however, foreclosure proceedings were initiated while I was actively attempting to communicate, submit documents, and resolve the account issues. Under federal mortgage servicing rules, servicers are required to maintain procedures to facilitate communication with heirs and potential successors in interest and to clearly identify what documents are required. Despite this, SPS failed to provide consistent communication, repeatedly requested documents that had already been submitted, and sent vague response notices such as Document is incomplete without specifying what was missing or how to correct it. I have also been unable to speak with anyone consistently, despite being told multiple times that I would receive return calls and follow-up communication. Once I received foreclosure notes, I repeated requested documents, beginning in XX/XX/2026. Neither SPS nor foreclosure counsel provided proof of loan information or responded with the requested account details. On XX/XX/2026, SPS finally granted me authorization to discuss the loan and provided payoff information. Approximately XXXX week later, SPS removed my authorization, stating that the documents previously submitted were not correct. During the thirteen-month, I made a good faith payment of {$5500.00}, while communicating and being delayed. To date the mortgage arrearage increased to approximately {$28000.00}, and the property has now pending foreclosure. I am not financially able to make a payment in that amount, and SPS has stated that only after such payment is made would they consider me for XXXX XXXX XXXX representative XXXX and further loan options. This has effectively prevented me from moving forward, especially given that the arrearage increased during the prolonged period in which access and communication were inconsistent. I requested a continuance at the first hearing in XX/XX/2026 and have spent the last XXXX months repeatedly calling and emailing SPS in an effort to find an equitable resolve in this matter before the next court date. My hearing is scheduled for XX/XX/2026, and I still do not have consistent account access or clear communication regarding what is required. I have attached XXXX documents from SPS for review. The first document is a repeated form letter that I receive almost every time I call or submit information. The second and third documents are examples of the notices I continue to receive that contain only a vague one-line statement at the bottom, without any clear explanation of what information is missing, what needs to be corrected, or how to communicate with anyone for clarification. To date, I have received more than XXXX ( XXXX ) letters of this nature, all with the same unclear language and no meaningful guidance on how to resolve the issue. Also attached are my * * Letters of XXXX * * and a copy of the * * XXXX Deed * *, both of which verify my legal authority to act on behalf of my mothers estate and confirm her as the title owner of the property. Also attached is the * * reinstatement statement that SPS authorized and provided during the single day I had account access, along with the * * notice of foreclosure hearing / scheduled foreclosure date.

Company response to consumer: Closed with explanation