Consumer complaint received 2026-05-19 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: FL

Complaint narrative:
I applied back in XXXX of XXXX before i fell behind, as i lost my job they asked for no documents send me without a review higher payment which i declined of course i need lower for temporary, i was told i dont qualify. I was told re apply in a few months, i did after being hit with XXXX hurricanes had damage, that was in XX/XX/XXXX up till XXXX with them asking for unemployment which i was back to working i kept telling i was working, finally was told to mark off XXXX spot on the application for it to be processed. I did was given a higher payment was told i dont qualify for loan modification at that time. I was told to appeal it which i did. I was still paying what i could. They refused they rejected my payment for XXXX of XXXX, but accepted my payment for XXXX of XXXX, because i appealed a much higher payment they all of sudden stop accepting any payments after XXXX of XXXX, i reached out several times on what to do i was then told to send in another application for loan modification that i now qualify for it. So i submitted it XX/XX/XXXX, I submitted all documents requested by middle of XXXX, they immediately rejected my divorce paperwork stated they need all income for who pays towards the mortgage, i responded 5 times as they repeatedly sent request that they have all income my ex does not live or pay towards the home could mot be removed unless i refinance which I couldnt. After XXXX minutes they made send a new application with him signing i did he told them he doesnt live there nor pay anything, i told them i wasnt asking fir them to remove him from the mortgage i just needed a loan modification to help catch up. But he again doesnt live there i sent multiple times my divorce agreement. End of XX/XX/XXXX i was sent a letter with them apologizing for the error that my divorce agreement was efficient is acceptable, that they now clarification on if anyone is self employed when i responded as we work full time me and my current husband as they have our paystubs and rax return to explain why, calling gets me no where, they went on from XXXX till beginning of XX/XX/XXXX on this over a XXXX credit deposit from a refund, i had to show proof of what the XXXX was for, i submitted receipt and proof it was a return from a store nothing with self employed extra funds, it made no sense, then end of XXXX they sent a letter stating i am to far behind that they cant offer no loan modification or assistance now, i could appeal. I did as they refused all payments causing me to far so far behind i could catch up, i went for little XXXX to XXXX behind because of there XXXX months or repeated asking for exact documentation they had received, them refusing divorce agreement etc, it took XXXX months! They refused my escrow payment, my mortgage payments, rejected them with letters stating it would be destroyed as they cant accept any payments from me at this time, they knew dragging this out and refusing would push me to far behind, they rejected my appeal said they made no error, I re appealed end f XX/XX/XXXX, with no response as of yet when i call i am told its still in review with again my payment still being rejected. SPS Servicing Portfolio service has been a nightmare to deal with, i reach out for temporary assistance to get back on track after loosing my job and being hit by hurricanes, my mortgage was sold to them as this wasnt a choice to have them. I tried to get them to help they now are causing me to loose my home its not ok, i did and provided everything they asked for.

Company response to consumer: Closed with explanation