Consumer complaint received 2026-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
FEDERAL CONSUMER PROTECTION VIOLATION NOTICE AND FORMAL DEMAND FOR SERVICING REVIEW Borrower : XXXX XXXX Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TO : Select Portfolio Servicing , Inc . Attn : XXXX Department XXXX XXXX Department RE : Notice of Potential Violations of Federal Consumer Protection Laws PLEASE TAKE NOTICE that the borrower, XXXX XXXX, formally disputes the foreclosure actions currently being pursued against the above-referenced property and provides this notice of potential violations of federal consumer protection laws. The property located at XXXX XXXX XXXX XXXX sustained a catastrophic residential fire on XX/XX/XXXX resulting in extensive structural damage and hazardous environmental contamination. Environmental testing conducted following the fire confirmed the presence of hazardous substances including asbestos, dioxins, and furans within the property. Due to the presence of these contaminants, the property has been rendered unsafe and uninhabitable for residential occupancy. The XXXX XXXX XXXX XXXX XXXX has reassessed the residential structure value of the property at approximately {$1000.00} due to the catastrophic damage and loss of functional residential use. The XXXX XXXX has further submitted a request to the XXXX XXXX XXXX seeking reassessment for the XXXX and XXXX tax years due to the hazardous and unlivable condition of the property. Despite receiving documentation confirming the environmental contamination and material impairment of the collateral securing the mortgage, Select Portfolio Servicing , Inc. has continued to demand mortgage payments and pursue foreclosure proceedings. These actions raise serious concerns regarding violations of the following federal laws : Real Estate Settlement Procedures Act ( RESPA ) including failure to properly evaluate borrower loss mitigation and failure to respond appropriately to borrower dispute and documentation. Fair Credit Reporting Act ( FCRA ) including the reporting of an alleged mortgage balance to consumer reporting agencies that materially exceeds the balance reflected on mortgage statements. Fair Debt Collection Practices Act ( FDCPA ) including attempts to collect disputed mortgage debt while the debt remains contested and under regulatory review. Proceeding with foreclosure under these circumstances may constitute unfair or deceptive servicing practices and wrongful foreclosure. PLEASE BE ADVISED that regulatory complaints regarding these matters have been submitted to federal consumer protection agencies. The borrower hereby demands the following : 1. Immediate review of the mortgage servicing file 2. Verification and reconciliation of the alleged mortgage balance 3. Suspension of foreclosure activity pending investigation 4. Correction of any inaccurate credit reporting 5. Written response addressing the issues raised in this notice Failure to address these matters may result in additional legal action including injunctive relief, claims for damages, and further regulatory complaints. This notice is provided in good faith in an effort to resolve these issues prior to further escalation. All rights and remedies are expressly reserved. Respectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation