Consumer complaint received 2025-01-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against Select Portfolio regarding the mishandling of my late XXXX XXXX XXXX mortgage loan, unauthorized signatures on loan documents, and improper foreclosure proceedings on his property located at XXXX XXXX XXXX, XXXXXXXX XXXX 

Background Details : In XX/XX/XXXX, my father, XXXX XXXX, an XXXX veteran, was hospitalized and passed away shortly thereafter. At the time of his passing, he held a current loan on the property at XXXX XXXX XXXX, XXXX, XXXX All payments on the loan were made on time prior to his hospitalization. 

After his passing, I took over his estate in the state of Texas and contacted the mortgage servicer regarding the loan. The servicer claimed that payments were behind and the house was facing foreclosure. However, during this time, unauthorized payments had been withdrawn from his XXXX XXXX account, which I believe contributed to the alleged delinquency. 

Key Issues : Unreasonable Payment Demands : Despite my efforts to pay what I could to bring the account current, the servicer refused to accept partial payments and demanded a lump sum of {$XXXX} or nothing at all. This unreasonable demand made it impossible for me to prevent the foreclosure process. 

Unauthorized Loan Documents : In XXXX, I worked with a short sale representative to settle the matter, and the property was supposedly sold. However, I later discovered that my credit profile now lists me as a signer on a conventional loan associated with the property. Additionally, there is a special warranty deed on file with the XXXX of Texas that contains my signature, but I never signed any such documents. 

Inaccurate Credit Reporting : To this day, the loan remains on my credit profile as though it were my debt, despite repeated attempts to verify with the servicer that I did not assume or agree to any responsibility for the loan.

Improper Foreclosure and Emotional Harm : As a grieving daughter and a single mother at the time, the foreclosure and subsequent move-out process caused significant emotional and financial strain. The rushed move forced me to dispose of many belongings, further compounding the stress during an already difficult time. 

Alleged Violations : Unauthorized Signatures : If my signature was falsified on the loan documents or warranty deed, this constitutes a serious violation of both federal and state laws, including potential fraud. 

Unfair Servicing Practices : Refusing to accept partial payments and demanding an unreasonable lump sum of {$10000.00} likely violates consumer protection laws under the Real Estate Settlement Procedures Act ( RESPA ) and other applicable regulations. 

Inaccurate Credit Reporting : Reporting a loan as though I were a signer when I never authorized or assumed responsibility for it is a violation of the Fair Credit Reporting Act ( FCRA ).

Failure to Protect Estate Rights : The mishandling of my late fathers loan disregarded the rights of his estate and may violate protections afforded to veterans and their families.

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