Consumer complaint received 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
CFPB Complaint Narrative I am submitting this complaint regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX ongoing violations of mortgage servicing laws, including failure to properly respond to statutory requests, improper debt collection, escrow accounting errors, recording irregularities, and violations oXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Between XX/XX/XXXX, and XX/XX/XXXX, I submitted multiple Notices of Error ( NOE ), Requests for Information ( RFI ), and Qualified Written Requests ( QWR ) pursuant to RESPA and Regulation X. These requests sought correction of servicing and escrow errors, verification of balances, production of complete loan and escrow histories, and chain-of-title documentation. 
SPS repeatedly misclassified my requests as hardship or loss mitigation inquiries, which I did not request, thereby evading their obligation to provide proper servicing responses. SPS issued duplicative responses, including a XX/XX/XXXX letter identical to a prior response uploaded on XX/XX/XXXX, failing to conduct a good-faith investigation. 
The XX/XX/XXXX letter contains a critical inconsistency : it states the next payment due date as XX/XX/XXXX, yet demands proof of insurance for a lapse from XXXX XXXX XXXX. This contradiction renders the disclosures unreliable and incomplete, as SPS failed to provide full escrow disbursement and calculation histories. 
Escrow analyses allege shortages without reconciling known payment misapplications and improper charges dating back to XXXX, mirroring misconduct by prior servicers. The analysis does not reconcile prior misapplications, suspense balances, or improper charges, consistent with similar misconduct by prior servicers XXXXXXXX XXXX and XXXX XXXX XXXXXXXX. Despite these unresolved issues, SPS demands payment exceeding {$14000.00}, threatening late fees effective XX/XX/XXXX, without verifying the principal balance or providing a full payment history. This constitutes improper debt collection during an active statutory dispute. 
I do not consent to the loan assignment to SPS dated XX/XX/XXXX. That assignment was recorded publicly without honoring my ACP protections, despite SPS having prior notice. I received a county fraud alert the same day the unredacted assignment was recorded, before SPS mailed it to me.

Due to SPSs continued noncompliance, I escalated the matter to the investor level and filed a complaint with XXXX XXXX. I have received no communication from the identified investors, and the only documentation I possess consists of publicly recorded assignments obtained independently. 
I request that SPS be required to : Properly process and respond to all statutory requests ; Provide a complete loan and escrow accounting from origination to present ; Verify and itemize the unpaid principal balance ; Produce full chain-of-title documentation ; Cease collection, fees, and adverse credit reporting on disputed amounts ; Fully comply with ACP requirements ; Provide proof of continuous insurance coverage and lender-placed insurance details ; Correct all accounting and reporting errors for full compliance with federal law.

SPSs conduct has caused ongoing harm and regulatory violations. I reserve all rights and remedies under law

Company response to consumer: Closed with explanation