Consumer complaint received 2026-04-02 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: NY

Complaint narrative:
Subject : Formal Complaint Against Select Portfolio Servicing for Dual Tracking, RESPA Violations, and Bad Faith Servicing Detailed Description of Issue : I am filing this complaint because my mortgage servicer, [ Lender Name ], has engaged in predatory servicing and illegal " dual tracking '' in violation ofRESPA ( Regulation X ). Despite my performance on a loan modification agreement, the servicer has moved to foreclose on my home. The following violations have occurred : XXXX XXXX : The servicer served me with foreclosure papers while I was actively making payments under a modification plan, a direct violation XXXX C.F.R. XXXX. Failure to Provide XXXX XXXX : I signed a modification agreement 9 months ago, but the servicer has refused to return a fully executed copy despite multiple written requests. Conflicting Documents & Bad Faith : During the modification process, the servicer sent XXXX different agreements with conflicting terms and refused to clarify which one was correct, rushing me to sign without full disclosure and additional payment requirements that were not previously disclosed. Escrow Retaliation : Following an interaction with an attorney for XXXX, my escrow payment was " jacked up '' by approximately $ XXXX without the legally required XXXX prior written notice and an explanation as to why these payments were not included in the original loan modification plan. This increase appears to stem from 4 years of back-taxes that should have been capitalized into the modification principal, however I have no idea as I have not received papers pertaining to the unexplained increase in my montly mortgage payment. Ignored Correspondence & RESPA Violations : Since XX/XX/XXXX, I have provided a written notice withevery single monthly paymentstating that the servicer has failed to provide the fully executed modification agreement. Additionally, in XX/XX/XXXX, I sent a formalRESPA 'Notice of Error ' ( XXXX ) and a'Breach of Contract'letter via certified mail. As of XX/XX/XXXX, these remains unanswered. The servicer has verbally claimed they sent a response via regular mail, yet they have admitted they haveno proof of mailing ( no tracking, no bulk mail log, and no certificate of mailing ). This is a direct violation of the response timelines and delivery requirements set forth XXXX XXXX. XXXX. Their XXXX pattern of ignoring my oral and written inquiries while simultaneously pursuing foreclosure XXXX XXXX New York XXXX XXXX and XXXX XXXX. XXXX. XXXX of Partial Payments and XXXX of XXXX : Because the servicer provided XXXX conflicting agreements and refused to clarify the correct terms, I was forced to pay the interest-only portion to mitigate any loss to the lender. The serviceraccepted these paymentsfor months without providing a periodic statement or a breach notice explaining the 'shortage. ' Under XXXX XXXX XXXX XXXX, the servicers acceptance of these payments while withholding the finalized contract constitutes a waiver of their right to claim a default. I am willing and able to pay the full modified amount once the servicer clarifies the terms and provides XXXX escrow spreadfor the XXXX years of back-taxes they failed to capitalize. This is my assumption as the servicer has not provided me with any information pertaining to this increase in monthly mortgage amount.

Company response to consumer: Closed with explanation