Consumer complaint received 2026-01-24 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: CA

Complaint narrative:
COMPLAINT AGAINST : Select Portfolio Servicing , Inc. ( SPS ) COMPANY ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ISSUE TYPE : Problems with the mortgage company 's process when you applied for help to avoid foreclosure ( loss mitigation ) I am filing this complaint against Select Portfolio Servicing , Inc. ( SPS ) for multiple violations of California 's Homeowner Bill of Rights ( HBOR ) and federal mortgage servicing regulations in connection with the wrongful foreclosure of my primary residence.

TIMELINE OF EVENTS : - XX/XX/XXXX : I submitted a complete loan modification application to SPS. 

- XX/XX/XXXX - XX/XX/XXXX : I received NO communication from SPS regarding my application status. No Single Point of Contact ( SPOC ) was ever assigned to my case. No one from SPS contacted me by phone or in person to discuss foreclosure prevention options. 

- XX/XX/XXXX ( approximate ) : SPS allegedly denied my application. However, I NEVER received : A written denial letter Specific reasons for the denial Notice of my right to appeal Information about the 30-day appeal period Information about alternative foreclosure prevention options- XX/XX/XXXX : SPS conducted a foreclosure sale of my property WITHOUT my knowledge. I was not properly notified of the sale date. 

- XX/XX/XXXX : I called SPS to inquire about my loan status and was informed that my home had already been sold at auction TWO DAYS EARLIER. This was the first time I learned about the sale.

- During the XX/XX/XXXX call ( recorded ), the SPS representative " XXXX '' confirmed : My application was denied She could not provide specific reasons for the denial " No options '' were available to me She did not deny that no one had contacted me before the foreclosure SPECIFIC VIOLATIONS : 1. NO SINGLE POINT OF CONTACT ( SPOC ) : SPS never assigned a SPOC to my case as required by California Civil Code 2923.7. I did not even know what a SPOC was because SPS never informed me of this right.

2. NO PRE-FORECLOSURE CONTACT : No one from SPS contacted me by phone or in person to assess my financial situation or explore foreclosure prevention options before initiating foreclosure, as required by California Civil Code 2923.55.

3. NO WRITTEN DENIAL : I never received a written denial of my loan modification application with specific reasons, as required by California Civil Code 2923.6 ( d ).

4. NO APPEAL OPPORTUNITY : I was never informed of my right to appeal the denial within 30 days, as required by California Civil Code 2923.6 ( d ).

5. NO INFORMATION ABOUT ALTERNATIVES : SPS never informed me about other foreclosure prevention alternatives ( short sale, deed in lieu, forbearance, etc. ) as required by California Civil Code 2923.6 ( f ).

6. DUAL TRACKING : SPS proceeded with the foreclosure sale while my loss mitigation application was pending review, in violation of California Civil Code 2923.6 ( c ).

7. INADEQUATE NOTICE : I was not adequately notified of the foreclosure sale and only learned about it two days after it occurred.

HARM SUFFERED : - Lost my primary residence without any opportunity to appeal the denial or explore alternatives - Property sold at auction for approximately {$600000.00} when market value exceeds {>= $1,000,000} - Lost over {$400000.00} in home equity - Currently facing displacement from my home - Severe emotional distress DESIRED RESOLUTION : 1. Investigation into SPS 's compliance with California HBOR and federal mortgage servicing regulations 2. Rescission of the foreclosure sale 3. Fair review of my loan modification application with proper SPOC assignment 4. Written explanation of why my application was denied 5. Opportunity to appeal the denial and/or pursue alternative foreclosure prevention options EVIDENCE AVAILABLE : - Audio recording of XX/XX/XXXX phone call with SPS - Loan modification application submitted XX/XX/XXXX - All correspondence with SPS - Proof of owner-occupancy - Documentation showing lack of written denial or SPOC assignment I am willing and able to make mortgage payments if given a fair opportunity to obtain a loan modification. SPS 's systematic failure to comply with California law has deprived me of this opportunity and resulted in the wrongful loss of my home.

Company response to consumer: Closed with explanation